Comment by MelkerWendelbo

The bulk of payments happened within the last 30 days, so we're well within any standard chargeback window — which is exactly why a temporary hold would make sense. We have no objection to Stripe holding funds as a chargeback reserve for 90-120 days as per their standard policy. The issue is that Stripe explicitly stated in writing that funds will "not be made available" — not that they will be held temporarily. They also stated they will begin issuing refunds to all customers within 5 days, meaning they intend to reverse all payments regardless of whether those customers have actually disputed anything. That's not a hold — that's reversing legitimate completed transactions and returning money to customers who received and used the service. We have delivery proof for 37,938 successfully completed jobs and refund records showing we proactively refunded every customer who asked. The concern isn't the hold itself — it's the active reversal of funds to customers who never complained.