Stripe or any merchant bank for that matter will freeze funds, or extend rolling payout intervals if your refund and chargeback metrics indicate a need to hedge against your losses via refunds and chargebacks. Stripe is pretty up front about it: https://stripe.com/docs/payouts#payout-schedule while PayPal buries it in the click-wrap TOS. Maybe that's why people get totally unglued when PayPal impounds their funds. PayPal Capital has also been known to solicit loans to companies that had their funds impounded...we just swiped your cash, can we loan it back to you for an extra charge?