Fund Freezes & Holds

Stop freezes before they happen.
Skip the underwriter roulette.

MerchantGreat is the content + Finder hub that shows you how to prevent fund freezes, rolling reserves, and payout holds. Get a shortlist of PSPs, platforms, and fraud tools that fit your risk profile, then run a free GuardScore to make approvals stick.

Try the FinderGet Your GuardScore

Recommendations are informational, not underwriting advice.

How it works

  1. Use the Finder to see your freeze risk score (0-10) and understand why processors might reject you.
  2. Get a preview of solutions available through GuardScore (processor types, compliance tools, estimated costs).
  3. Run your free GuardScore to unlock exact processor names, warm intros, RDR/VAMP setup guides, and a shareable report for underwriters.
Tip: If you've already been frozen, see The Fund Holds Playbook first.

Built for high‑risk & grey‑area verticals

CBD, adult, events/ticketing, digital goods, dropshipping, supplements, coaching/education, niche travel, and more.

Deterministic first, AI second

Finder uses vetted rules and cached playbooks. AI is only used on edge cases with strict spend caps.

Underwriter‑friendly next steps

Every result includes a GuardScore link—get processor matches, RDR/VAMP setup guides, and a shareable compliance report.