5
Stripe has a rolling hold of 20% of all funds for 60 days, messes with my current business model
r/Entrepreneur
7/21/2025
Content Summary
The author discusses the impact of Stripe's 20% rolling hold on funds for 60 days on their business model, especially after a large sale. They seek alternatives and tips for better cash flow management.
Opinion Analysis
Analysis of different viewpoints, mainstream opinions, and debates from post and comments in English: The mainstream opinion is that Stripe's fees and hold policy are problematic. There is a debate on the best alternatives, with some recommending Adyen or a bank merchant account. There is a conflicting opinion from u/bake-canard who criticizes Stripe but does not provide a clear alternative.
SAAS TOOLS
| SaaS | URL | Category | Features/Notes |
|---|---|---|---|
| Stripe | https://stripe.com | Payment Processing | Rolling hold of 20% of funds for 60 days, high fees |
| Adyen | https://adyen.com | Payment Processing | Alternative for high revenue businesses |
| Revolut Business | https://revolut.com/business | Payment Processing | Instant access to funds, lower fees for specific regions |
| Merchant Account from Bank | - | Payment Processing | Traditional banking solution for payment processing |
USER NEEDS
Pain Points:
- 20% hold on funds for 60 days by Stripe dampens cash flow
- High fees from Stripe
Problems to Solve:
- Need a payment processing solution with better cash flow management
- Seeking alternatives to Stripe with lower fees
Potential Solutions:
- Consider Adyen for businesses with high revenue
- Obtain a merchant account from a bank
- Explore Revolut Business for instant access to funds and lower fees
GROWTH FACTORS
Effective Strategies:
- Evaluate and switch to payment processors with better fee structures
Marketing & Acquisition:
- Not directly discussed in the post
Monetization & Product:
- Optimize payment processing costs to improve cash flow
User Engagement: | Merchant Account from Bank | - | Payment Processing | Traditional banking solution for payment processing |