Business account closed? Pick your processor.
When Stripe, Wise, Revolut, Mercury or PayPal close your account, the playbook is processor-specific. Pick yours below for the real reasons accounts get closed there, what happens to your funds, and what banking infrastructure actually replaces it.
Radar risk engine closes accounts when MCC drifts or chargeback rate ticks above 0.75%.
Compliance engine closes accounts on pass-through patterns and crypto-adjacent counterparties.
Section 40 holds freeze the full balance when transaction monitoring flags counterparty risk.
Permanent limitation freezes funds for 180 days and almost never reverses on appeal.
Partner-bank de-risking via Choice or Evolve closes accounts with a non-negotiable 30-day notice.
Thread Bank or Evolve issue the de-risking call; Relay just delivers the notice.
Personal-use patterns and crypto-exchange counterparties trigger immediate freezes.
60-day notice, no negotiation; FOS won't force Starling to keep a customer it has exited.
ClearBank-driven batch reviews freeze accounts and take 30 to 90 days to resolve.
Strict end of UK SME banking; closures driven by KYB refresh failures and risky inbounds.
Ongoing de-risking programme exits offshore-linked SMEs with a non-negotiable 60-day notice.
Risk-appetite portfolio reviews close non-fitting SMEs on a fixed 60-day notice.
Portfolio-cycle exits hit crypto-touching and offshore-linked SMEs on 60-day notices.
Commercial Banking risk-appetite exits typically affect SMEs with offshore links or restricted MCCs.
BSA/AML-driven exits with a 30-day notice; no commercial appeal route.
Risk-policy exits with 10 to 30 day notices and no commercial appeal.
BSA/AML-driven exits with a 30-day notice and no commercial appeal route.
Compliance reviews freeze multi-currency balances when MCC drift or card-acquiring spikes appear.
Marketplace freelancer exits driven by MCC restrictions and KYC refresh failures.
Legacy TransferWise closures stem from the same tightened Wise compliance posture.
90-day payout hold and a single-pass appeals form; appeals rarely succeed.
Powered by Stripe — same 120-day hold and same appeal failure rate.
Termination usually triggers a 5-year MATCH listing — a bigger problem than the held balance.
Enterprise acquirer; closures are contractual exits with 30 to 90 day notice and 180-day reserves.
Scheme-threshold breaches close merchants and hold rolling reserves for 180 days.
Closures hit small retailers and tradespeople; 60 to 90 day fund holds typical.
PayPal-owned; closures often cascade to the linked PayPal Business account too.
Enterprise acquirer; iGaming and crypto exposure are the most common exit drivers.
Corridor-focused; high-risk remittance patterns trigger compliance exits.
Stripe closure cascades to the Atlas partner bank — the whole US stack collapses in days.