payment processor froze account with $15k in pending transactions

Had this exact thing happen last year with a different processor — learned my lesson.

This time around my processor froze the account with $15k in pending transactions. They're asking for 'additional documentation' but won't specify what they need.

This is a liquidity crunch because that $15k is customer money, not mine.

Which processor?

PayP

The $15k is gone. Treat it as a loss and move on.

Processors that freeze accounts without specifying what they need are doing a fishing expedition. They're looking for a reason to keep the funds permanently.

For what it is worth, engage a lawyer immediately. The longer you wait, the less likely you are to recover anything.