Restricted business categories expand, reserve policies change, and compliance requirements shift — all without prominent notice. ConductAtlas monitors the processors your revenue flows through and archives the evidence.
343 platforms monitored daily · archived with cryptographic evidence · free to browse, no account.
When processors expand prohibited and restricted business categories that can get your account reviewed or terminated.
Rolling reserves, fixed reserves, and fund-hold rules that lock up the cash you need to operate.
Identity-verification, documentation, and underwriting requirement changes that gate or freeze accounts.
Chargeback handling, liability, and dispute-window changes that shift cost and risk onto you.
Processing rates, payout timing, and fee-policy changes that reshape your unit economics.
Acceptable-use and termination-clause changes that determine how and when an account can be closed.
Your revenue flows through rules you do not control. The crowdfunding campaign whose processor funds were held mid-raise is exactly the scenario ConductAtlas is built to warn you about.
A reserve or hold-policy change can lock up your revenue for weeks. Businesses run on cash flow, and a hold can be existential.
Holds can last 30–120 daysWhen a processor expands restricted categories, an account that was fine yesterday can be flagged or terminated today.
Restricted-category lists expand quietlyA new rolling reserve can withhold a percentage of every transaction, draining working capital with little notice.
Reserve terms change without alertsKYC and documentation requirement changes can freeze accounts mid-operation until you remediate, sometimes during your busiest period.
Requirements tighten under regulatory pressureStripe's terms authorize fund reserves, payout withholding, and account termination. Here is what the agreement states and what business owners should review.
Read the analysis →Coinbase's User Agreement includes a mandatory arbitration clause that most users may not have reviewed. Here is what the clause states and how the opt-out process works.
Read the analysis →Automated pipeline captures policy documents daily. Snapshots archived with SHA-256 verification.
Provision-level diffs identify exactly what changed — not page-level, clause-level detection.
Each change classified by severity, direction, affected groups, and operational domain.
Structured alerts with governance analysis, available actions, and compliance implications.
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Follow unlimited companies, monitor the clauses that matter across every platform, and get the full institutional analysis on what each change obligates you to do.
Governance intelligence for payments and fintech operators across Stripe, PayPal, Coinbase, Square, Plaid, and more. The archive is free to read.
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Companies change their terms without announcing it. We capture governance documents, compare each new version with the last, and publish what changed, with the source text behind it. One email a week on what we found and what we could not reach.