mollie.com

Joined to Expand My Business, Instead Faced Destruction

I joined the service to help my business grow, but instead, it has been detrimental. Rather than offering support, they are jeopardizing my business and personal life. Their documentation states that card payments have a 5-day payout period, which was a key reason for my choice. However, once I started receiving payments, I realized I had to wait over 20 days. There was no notification about this change, no explanation, and no valid reason provided. Just yesterday, without warning, they extended the payout period by an additional 2 months. This is completely unmanageable for any business. I have daily expenses like inventory, shipping, advertising, and operational costs. Without timely access to my funds, I cannot purchase stock or ship orders on schedule. This will inevitably lead to delays, dissatisfied customers, and chargebacks, which is precisely what they claim to prevent. Instead, they are creating the problems they profess to avoid. My business is legitimate. I have submitted all necessary documentation and personal information as requested. I have always operated transparently. Yet, I am treated as if I’ve done something wrong. This is unethical and should not be permissible. No company should hold someone's money for months without a valid reason, jeopardizing their financial stability and personal life. I have communicated all these concerns to the service, but I still don’t receive clear answers or solutions. --------UPDATE (ISSUE STILL UNRESOLVED)--------- They stated: We understand how crucial timely access to your funds is for your operations and expenses. We wish to be transparent about your account's status. Due to identified risk factors through our automated systems, controls have been enforced on your account to meet regulatory and risk management standards. Unfortunately, these measures cannot be lifted at this time. They had never mentioned this before and imply that I am involved in illegal activities due to one chargeback from a customer attempting to scam. A customer made a purchase and requested a chargeback two days later without any justification or prior contact. This is abusive. The processing time displayed on their website is 5–10 days before shipping (which takes an additional 3–7 days). They request proof, but it is impossible to have delivery or tracking information at that stage. Nevertheless, the customer initiated a chargeback without basis, and instead of supporting a compliant merchant, the service acts as if I am at fault. Past shipments are documented, and all transactions are legitimate. Yet, the repercussions fall solely on me—the honest business owner trying to operate correctly. Meanwhile, the fraudulent customer faces no consequences. What is even more shocking is their refusal to resolve the issue and the lack of real answers. Each time I seek clarification, I receive vague responses or no explanation at all. They have simply extended my retention period from around 20 days to 90 days, again without justification. This is crippling my ability to function. I cannot pay suppliers, ship orders, or cover daily expenses. They are holding my money hostage while expecting me to continue fulfilling orders and risking further losses. I am striving to build something with dedication, and this situation is genuinely tearing me apart. No business owner deserves this treatment. The lack of transparency, support, and refusal to adequately address the issue demonstrates a complete disregard for small businesses that place their trust in them. You are actively harming my business and my life. I have responsibilities, bills to pay, and orders to fulfill. Without access to my own funds, no business can survive. You should be ashamed of how you treat honest merchants. I will not rest until this issue is resolved and my funds are released. What you are doing is unethical and should not be tolerated.

Date of experience: Dec 04, 2025