Business bank account frozen. Industry playbooks.
When a bank or payment provider freezes or restricts your business account, the evidence needed depends on your activity. Choose an industry guide below, or start with the general first steps. Xavion reviews alternative banking options; we cannot lift a freeze or release restricted funds.
Inbound from international brokers triggers de-risking even on personal trading capital.
Challenge-fee MCC mismatch and trader-payout patterns trigger automated de-risking.
Payer descriptors and MCC codes flag adult inbound even when the activity is legal.
MATCH-list exposure and rebill cadence make nutra one of the hardest verticals to keep banked.
21-day China shipping plus INR disputes is the textbook dropshipping de-risking trigger.
Even compliant Shopify stores get de-risked when chargebacks drift above scheme thresholds.
Ad-spend pass-through patterns read like money transmission to automated screening engines.
Network payouts plus traffic-vendor outbound trip the round-trip layering signal.
Self-excluded-player chargebacks plus MCC 7995 strain even fully licensed operators.
Event-driven volume spikes plus sharp-player outbound look like layering to screening engines.
Forward liability and post-cancellation chargebacks make travel structurally hard to keep banked.
EDD-jurisdiction inbound plus government-fee outbound mark immigration files for de-risking.
Vertical adjacency in your customer base is now the leading SaaS de-risking trigger.
Dunning-retry patterns plus 'unauthorised recurring' chargebacks drive subscription-box churn-outs.
Mainstream PSP catalogues automatically purge accounts with any CBD or hemp SKU.
MCC 5993 plus missing age-verification at checkout is an instant termination trigger.
Correspondent banking cuts hit MSBs first when sanctions regimes tighten.
Regulators force client-money segregation but banks are pulling the trust-account product.
Treasury wallets with even indirect mixer exposure are the leading NFT de-risking signal.
Synapse-style BaaS collapses force fintechs to find a sponsor bank in weeks, not months.
Sanctions screening on trade counterparties is now the dominant de-risking trigger.
Crypto-to-metals adjacency is now the dominant bullion-dealer de-risking trigger.
Cash-deposit limits and AML programme demands push pawn shops out of mainstream banks.
Operation Choke Point legacy attitudes persist at most mainstream PSPs.
MCC 5967 and 'unauthorised purchase' chargebacks make telemarketers structurally hard to keep.
Consumer disputes and FDCPA scrutiny make debt-collection one of the hardest verticals to bank.
MCA adjacency and state-by-state disclosure rules make loan brokering hard to keep banked.
CROA non-compliance and tradeline-rental adjacency are the dominant de-risking triggers.
Singapore and Hong Kong correspondent cuts are the dominant BVI-company de-risking trigger.
Tier-1 Cayman banks now reserve onboarding for funds with credible managers and auditors.