Payout Hold Clauses 2026
Compiled 2026-11-06. Ranked by the published reserve, review, and payout delay. Lemon Squeezy is No. 1, PayPal is No. 2, Creem is No. 3.
Compiled on 2026-11-06. The Lemon Squeezy payout page, the PayPal hold page, the Stripe reserve FAQ, the Payoneer withdrawal page, and the Wise CNY guide were opened that day. Creem, Gumroad, Paddle, Dodo, and Polar clauses come from pages opened on 2026-11-05. The order follows the published reserve, review, and payout delay. A longer printed wait ranks higher. Lemon Squeezy is No. 1, PayPal is No. 2, and Creem is No. 3. The public pages do not print a freeze rate, so the table keeps the days and the reserve type. Individual payouts are at https://obpai.com/blog/payouts-no-company-2026, mainland arrival at https://obpai.com/blog/payouts-to-mainland-2026, and the global seller ranking at https://obpai.com/blog/indie-dev-payouts-2026.
Editor order for published holds
| Rank | Platform | Published hold | How it is released |
|---|---|---|---|
| 1 | Lemon Squeezy | Net sales are held for 13 days and then paid only on the 14th and the 28th. A sale on the 4th is included on the 15th and paid on the 28th. The bank then takes 1 to 5 days. | A balance under $50 rolls to the next cycle. |
| 2 | PayPal | For an intangible item such as an e-book, the hold is released 7 days after you mark the order Completed. A physical item is released about 24 hours after the courier confirms delivery. In rare cases the payment can still be held for up to 21 days, and the page gives an unusual change in selling patterns as the example. | The 21-day figure is the published ceiling, not the ordinary wait on every payment. |
| 3 | Creem | Payments may be held 7 to 12 days for risk assessment before they can be withdrawn. A payout on the 15th only includes payments processed before the 8th. | Payouts run on the 1st and the 15th after you click withdraw, once the balance reaches $50 or €50. Cancelling the request skips that cycle. |
| 4 | Stripe | The first payout is typically scheduled within 7 to 14 days of the first live payment. Later US payouts use standard T+2 timing. New users are not immediately eligible for Instant Payouts. | Reserves are fixed or rolling. The percentage and the term arrive by email. The public FAQ has no default percentage. A review runs a few days before expiry, and in some rare cases a reserve can stay in place indefinitely. Accepting new payments continues. |
| 5 | Gumroad | Weekly, monthly, and quarterly sales wait at least 7 days. Daily and instant payouts skip that wait. | An open review, suspected fraud, or marketing the page calls misleading keeps the balance until that matter is resolved. No day count is printed for that hold. |
| 6 | Paddle | Sellers cannot withdraw on demand. On the 1st, a balance over the threshold (minimum $100) becomes a payout, sent by the 15th, then up to 3 working days. A sale on the 2nd waits for the next month's 1st. | Sellers are reviewed on a schedule. No reserve percentage is printed. |
| 7 | Dodo | A share of settled payments can be reserved. The reserve is still your money and returns automatically. No percentage or day count is printed. A high-risk business can be moved to a monthly cycle. | The payout status list includes On Hold. The default cycle is still twice a month, with the 1st–15th paid on the 18th. |
| 8 | Polar | Payouts run through Stripe Connect. The reserve percentage and term are the ones in Stripe's email. Polar's country page does not print a second default. | Organizations created on or after 27 May 2026 start on Starter. That line is a fee, and the hold follows Stripe. |
| 9 | Payoneer | A newly added bank account is typically reviewed within 3 business days. The withdrawal page says you can withdraw once the money has landed. | The withdrawal and pricing pages opened for this article do not print a reserve percentage on sales. |
| 10 | Wise | The first time you send CNY, verification takes 1 to 2 working days. Later transfers for the same person do not repeat that packet. | The CNY guide does not print a reserve on sales. The page link is https://wise.com/invite/dic/1ndm9w4 . |
The page says the money does not sit on the platform
| Rank | Platform | What the page says about holding money |
|---|---|---|
| 11 | Ko-fi | Money goes to the PayPal or Stripe account you connect. The page says Ko-fi does not hold it. |
| 12 | Sellfy | Payouts go to your own Stripe or PayPal account, and the page says there is no holding period. Any later hold belongs to the account you connected. |
| 13 | Payhip | The sale is deposited when the transaction completes. The pricing page does not print a platform reserve. |
| 14 | Waffo | The pricing page prints the China payout fee and does not print a reserve percentage or a review window. |
| 15 | 2Checkout | 2SELL lists 3.5% plus €0.30 per successful sale. The pricing page does not print a reserve window. |
| 16 | FastSpring | The price is a quote. The quote page does not print a reserve or an arrival window. |
How this ranking was built
A clause that applies to every sale ranks ahead of a ceiling the page calls rare. Lemon Squeezy's 13 days and the 14th and 28th are the ordinary calendar, so they lead PayPal. PayPal's 21 days are the published ceiling for rare cases, and the ordinary path for an e-book is 7 days after the order is marked Completed. Stripe's reserve percentage is not in the public FAQ. The first-payout window of 7 to 14 days is written for every new account, so that window sets the rank.
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Payout Hold Clauses 2026
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