A reserve was added after refund liability increased
🚨 FINAL OUTCOME
Status: RESERVE Time to impact: 10 days Recovery: PARTIAL Payout control within 10 days after first signal.
Where are you right now?
Your next step depends on this.
⚠️ RISK SIGNALS
- Refund rate: 9.8% → liquidity risk
- Payout delay: same day → 14 days
- Open liability: last 60 days still unsettled
❌ WHAT MADE IT WORSE
- Kept processing while payout release was blocked
- Sent screenshots without transaction-level proof
- Explained the hold before isolating refund and dispute triggers
⚠️ Escalation Pattern
Most cases followed:
review → payout hold → closure
Typical window:
7-14 days after first signal
Intervention after this stage rarely reversed the outcome.
Most users only realize this after it's already too late.
🧠 What people usually get wrong
- Waiting too long to respond
- Submitting documents after review started
- Continuing to process payments
🔍 Does this match your situation?
- Have your disputes recently approached or crossed ~1%?
- Did refunds increase shortly before disputes appeared?
- Did your account enter review without a clear reason?
- Have payouts slowed or stopped unexpectedly?
If so, it's worth checking before taking action.
⏱️ Timing matters
In similar cases, outcomes were decided within days after signals appeared.