Thaw monitors your merchant accounts for the warning signs that precede freezes, holds, and rolling reserves — so you're never blindsided by the email.
Founding members lock $99/mo for life. Fully refundable — we're validating before we build.
The problem
"Stripe froze over $50,000 across our two accounts. Over a year later, still nothing."
— eCommerce merchant, r/stripe"60,000 SEK frozen for 120 days. No chargebacks, no fraud, no warning."
— SaaS founder, r/stripe"PayPal has held £22,364 of our business funds for four years."
— UK business owner, r/paypal"We ramped marketing, volume spiked, and they seized $20,000 during our best month ever."
— Store owner, r/stripeHow it works
Link your Stripe or PayPal account in 2 minutes. Read-only access — we can never touch your money or your customers.
Payout schedule changes, volume anomalies, card-testing attacks, dispute activity and fraud warnings. Your payout schedule is the one signal Stripe never explains. When it stretches from 2 days to 7, their risk model has re-rated you, and nothing in your dashboard says so.
"Your payout schedule moved from 2 days to 7 on Tuesday, and your volume tripled last week. Both point the same direction. Here is what to send your processor before they ask." Weeks of lead time, with the exact steps to take.
We're validating Thaw with a small cohort of merchants before we build. Reserve a founding spot with a fully refundable pre-order — if we don't ship, you pay nothing.
Refundable anytime, no questions asked. Cancel with one email.
FAQ
No. Thaw is independent — that's the point. Processors' own warnings are designed to protect them, not you. We work for the merchant.
No one can. What we do is surface the same risk signals processors use, weeks before they act — so you can fix the problem, document your case, or diversify before it's existential.
Read-only API access to charges, disputes, refunds, and payouts. We never see full card numbers, never move money, and never touch your customers.
Online businesses processing $20k–$300k/month — especially in categories processors treat as risky: supplements, digital products, courses, subscriptions, events, travel.
We're founders validating a real problem before writing code. If enough merchants reserve a spot, we build. If not, you get every cent back and we share everything we learned.