Plisio wants "source of funds" on a frozen invoice balance — logging it week by week

Hosted balance is frozen at $6,740 as of Thursday. Posting it as it happens rather than after, because every thread I found while searching was written by someone who already knew the ending and had stopped recording dates.

Setup, since it matters: Plisio, hosted balance rather than auto-forward, invoicing for a B2B service. Steady $4k to $8k a month since last autumn. No disputes, obviously, because there is no card in the chain. Same withdrawal address every time for seven months.

Thursday's withdrawal went to pending and stayed there. Friday I got a ticket reply asking for "source of funds" and nothing else. No form, no list of acceptable documents, no timeline.

I think in failure modes for a living and I have no model for this one, because there is no failure. Nothing broke. A queue somewhere decided something. I will post every state change with a date.

FWIW deposits are still clearing normally, which I am told is the good sign.

hosted balance. seven months. you know what you did

same thing happened to me in feb, mine came back

"Source of funds" with no document list usually means a human wrote the ticket rather than a template firing, which is better news than it feels like.

What they are almost always looking for is a story that ties the deposits to a business rather than to a person. Contracts, invoices you issued, anything that shows a counterparty existed. They are not, at this stage, asking who you are.

Send the smallest thing that answers the question and see whether the next request escalates. That is the signal, not the wait.

Anything unusual about the last deposit before the freeze? Amount, chain, anything.

Been through it twice. Largest single deposit of the account's life came in on the 15th — $2,900 against a usual ceiling of about $900. New client, first payment, entirely legitimate.

If I had to bet, that is the rule that fired. It is also the only thing I could not have avoided without turning down work.

3x your normal ticket size landing in a custodial balance you were already parking money in. that's two flags stacked, not one.

nothing you can do about the client. everything you could have done about the parking.

Source of funds. From the invoices. That you sent. Through their product.

Day 6. Sent four issued invoices covering the last quarter, redacted down to counterparty name, date, amount. Reply within a day acknowledging receipt.

Second request this morning: they want the contract for the client whose payment was the $2,900, and a description of what the service actually is. So it escalated, but along the business axis rather than toward me personally. Going by hana_v's rule that is still the survivable direction.

Watch what you are handing them about a third party.

You are about to send a contract containing a client's name to a company that has already demonstrated it will act unilaterally on your account. That client did not agree to a compliance review at a payment processor in Estonia, and if this ends badly you have created a record linking them to you that neither of you controls.

Redact the counterparty to an identifier and offer to produce more only if they insist. If they insist, tell the client before you send it. That is the part everyone skips.

Six thousand is not worth this much reading. But i keep reading. Post more.

Day 14. Contract sent on the 29th, counterparty redacted to an initial and a jurisdiction per the above. No objection to the redaction.

Since then: nothing. Ticket still open, last agent message on the 29th. Balance now $7,810 because invoices keep resolving and I have not moved the checkout yet.

I know. Moving it this week.

move it TODAY not this week

The point about the client is the most important one in the thread and it is going to be ignored, so let me put a second frame on it.

If you are invoicing businesses, at least one of your clients has an obligation of their own about where their money went; a payment that was made, acknowledged, and then sat in a frozen intermediary balance for a quarter is a fact that may eventually appear in someone else's records as well as yours. You are not the only party with an exposure here.

Tell them early rather than late. It costs you an awkward email now instead of a lost account later.

any news