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<b>Why High-Volume E-Commerce Businesses Encounter Payment Holds and How to Navigate Them</b>

Why High-Volume E-Commerce Businesses Encounter Payment Holds and How to Navigate Them

by JJS Global | March, 2024 

Have you significantly grown your business, only to find you’re now stuck with a frozen account from PayPal, Square, or Stripe?

You’re not alone. Many businesses find themselves unexpectedly grappling with account holds and service interruptions, just as they're hitting their stride. The reason? Standard payment processing solutions, like those offered by Stripe, PayPal, and Square, are often ill-equipped to handle the complexities and nuances of high transaction volumes. 

In fact this is a massive issue clients often come to us with. Absolutely, these platforms served their purpose well, especially when your business was just in its foundational stages - they’re quick and relatively easy to use. However, they lack the foresight and personalized support necessary for scaling businesses.

Why do payment processors hold or freeze accounts for high-volume transactions?

The success of a high-volume e-commerce business often triggers unintended consequences with traditional payment processors like Stripe, PayPal and Square. Once your transactions exceed $100,000 a month, these platforms may hold or freeze your account. 

This action, meant as a risk management strategy, can critically disrupt your business flow by locking you out of your funds just when you're scaling up. 

The reason they do this is due to the standardized risk protocols of these processors. They're programmed to flag high transaction volumes as potential risks, irrespective of the business's actual security measures or its history of legitimate transactions. 

This automated response lacks nuance, failing to distinguish between genuine growth and genuine risk. It's a precaution against fraud but ends up penalizing successful business operations instead.

How Can I Prevent My Account from Being Frozen Due to High Transaction Volumes? 

There are generally a few things you can do to prevent this from happening, such as:

  • Communicate Proactively with Your Processor: Before hitting high sales volumes, inform your payment processor of expected spikes in transactions, especially if these are linked to promotions, seasonal peaks, or business expansion.

  • Maintain Transparent Business Operations: Ensure that your business operations, transaction patterns, and volume projections are transparent to your payment processor. Providing detailed information about your business model and growth strategies can build trust and understanding.

  • Implement Robust Fraud Prevention Measures: Adopting advanced fraud detection and prevention tools demonstrates to processors that you're actively managing risk, making them more comfortable with higher transaction volumes.

However, off-the-shelf payment processors often lack the capacity for such personalized interaction or preventive measures.

The most frustrating part is, of course, it’s next to impossible to find anyone to speak to. The lack of direct communication exacerbates this issue, leaving many business owners blindsided and unsupported. 

There’s probably a strong chance you’ve never been told this could or would happen until it does. 

It’s a shared experience among many business owners that these issues are only met with inadequate support through chatbots and automated emails, leaving you pretty high and dry for extended periods of time

What Alternative Payment Processing Solutions Are There?

The limitations of mainstream payment processors highlight the need for bespoke solutions that can adapt to the unique demands of high-volume businesses. 

Essentially, you’re going to need something custom.

What Makes a Payment Processing Solution 'Custom'?

Unlike off-the-shelf options, a (decent) tailored service delves into the intricacies of your business model, crafting a payment processing strategy that aligns with your growth trajectory. 

Such personalized services not only anticipate the challenges of scaling up but also offer robust support and flexible solutions to mitigate them. 

They provide personalized underwriting, scalable and flexible integrations and advanced features and services, especially when it comes to fraud detection and multi-currency support. 

Any service provider worth their salt will also provide you with dedicated support and expertise.

JJS Global

Navigating High-Volume Transactions with JJS Global

We strongly believe in building a partnership with our clients, beyond just facilitating transactions. Every business is unique, and it’s essential that you have the necessary infrastructure and support in place to ensure your business can grow uninterrupted. 


JJS Global assigns dedicated account managers and provides access to experts who understand the nuances of your industry, offering real-time support and strategic advice.


Our thorough underwriting process plays a critical role here, identifying potential risks before they materialize. Additionally, our custom solutions are designed to adapt to changing business environments, ensuring that your payment processing capabilities evolve in line with your business.

It’s clear that standard payment processors, despite their ease of initial setup, often will fall short when your business reaches a certain scale. Their one-size-fits-all approach can lead to critical disruptions at the very moment you're poised for significant growth.

Choosing JJS Global means opting for a service that not only grows with you but also celebrates your success.

Taking steps toward a custom payment processing solution means moving away from the frustrations of automated customer service and inadequate support, and stepping into a realm of dedicated account managers and tailored solutions. 

Our custom payment processing solutions are designed around the unique aspects of your business, ensuring that as your transaction volume increases, your ability to manage and process these payments does so too.

Discover Your Ideal Payment Processing Solution

Curious about how a custom payment processor can revolutionize your business operations? 

Take a moment to answer a few quick questions below to determine a solution that aligns perfectly with your business.

Or, if you're ready to speak to someone today, get in touch below. 

Get Started Contact Us

Discover your ideal payment processing solution.




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