Why are my funds on hold?
A hold is always tied to a specific, reviewable reason — a payment risk check, a compliance review, or a new bank account being verified. It's not an arbitrary freeze, and you can always find out where it stands.
If money is on hold, it’s tied to a specific, reviewable reason — not an arbitrary freeze. A hold happens for one of a few reasons: an incoming payment was flagged by a risk check, a payment or payout is in a routine compliance review, or a new bank account is being verified before its first use. Whatever the reason, you can see which it is and find out where it stands.
Find the reason
Where the money is tells you what kind of hold it is:
- An incoming payment is held. A risk or compliance check paused it. Legitimate payments usually clear on their own; if one stays held, contact support and we’ll look at it with you.
- A payout is waiting. It may need approval by a teammate, be in a compliance review, or be in normal bank processing. Each has a different fix — see Why is my payout pending or on hold?
- A new payout account is pending. First-time bank accounts are reviewed before use — see Why is my new payout account “pending approval”?
How Fynex is different
The stories people dread — an account frozen overnight, no explanation, no one to ask — come from platforms where a hold is a black box. Fynex isn’t built that way. Your money is held under FCA safeguarding rules, holds are tied to a named check, and there’s a real support team you can reach who can tell you exactly what a hold is waiting on. See Where is my money held and how is it protected?
What helps
If a hold is reviewing a large or unusual payment, having the backing paperwork ready speeds things up — the invoice, the signed order or estimate, and who the customer is. You can send these to support to help clear a review faster.