Immediate termination without meaningful advance notice or appeal rights can leave a business without a payment processor overnight, and the combination of termination with fund reserves can simultaneously cut off both revenue collection and access to earned funds.
Businesses using Stripe may have their payouts withheld or placed in reserve for up to 180 days based on Stripe's unilateral risk assessment, potentially disrupting cash flow with limited recourse. Stripe can terminate or suspend accounts immediately, cutting off access to payment processing and potentially funds held in reserve. You can review and negotiate reserve terms before signing, and should maintain alternative payment processing arrangements as a contingency.