Is your payment provider holding your money?

If a card acquirer, payment institution, e-money provider or bank licensed in the EEA or the UK is holding money that belongs to your business, we can look at the file. It costs you nothing up front. Whether we take it on is decided after we review your documents.

Tell us what happened

The quick check takes about five minutes. We reply within five business days with our initial view. There is no cost and no commitment.

What happened (required)

Choose the one closest to your situation. We work out the legal basis of the claim when we review your documents.

The provider is holding back settlement payments A reserve was not paid out when it should have been The provider took deductions or fines it has not explained Chargeback or card-scheme credits were not passed on to you The provider stopped replying or only says “under review” Something else, or you are not sure

Choose the situation closest to yours.

The merchant and contact

Legal name of the merchant

Enter the company’s legal name.

Contact name

Enter a contact name.

Contact email

Enter an email address, for example name@company.com.

The provider and the dispute

Payment provider holding the money (PSP, EMI, bank or acquirer)

Enter the name of the provider holding the money.

Country where the provider is licensed, if you know it

Approximate amount withheld

Short description of the dispute

By sending the quick check you confirm that you are authorised to share this information, and that J. van Huuksloot Asset Management B.V. may process it to make a first assessment of the claim. See our privacy notice.

We reply within five business days.

Does one of these sound familiar?

The provider ended the contract and kept your final settlement balance.
A reserve was not paid back on the date in the contract.
Deductions, fines or chargeback charges appeared that you never agreed to.
Money the card schemes paid back for you never reached your account.
Months of “risk review” with no account of what is being reviewed.
The provider went insolvent or lost its licence while holding your money.

Any of these can go through the quick check. Seven worked examples are on the scenarios page. If your provider has entered insolvency or lost its licence, see the question about it below.

What happens after you send it

We read what you send against the contract and the records. You receive our initial view in writing within five business days.
If we decide to take the file on, we send you the terms in writing, including your share of any money recovered, before you sign anything.
Once you sign, the claim is ours to pursue and the provider deals with us, not you. You pay nothing up front, and if nothing is recovered you do not pay our fee or the legal costs we fund.

Each step in more detail is on the process page. Fees are explained on How we work.

Questions

What does this cost me?: Nothing up front. We carry the legal costs, and our fee is a share of the money recovered. You receive your share in writing after our review and before you sign anything. If nothing is recovered, you do not pay our fee or the legal costs we fund.
What does assigning the claim mean?: You transfer the claim to us under our agreement with you (the Claim Assignment and Recovery Agreement), and we pursue it in our own name. You keep the right to your agreed share of any money recovered.
Is my claim too old?: Time limits apply and vary by jurisdiction; assess early. Send the quick check and we will tell you what we see.
Which countries do you cover?: Providers licensed anywhere in the EEA or the UK. Your business can be based elsewhere.
What if the provider is insolvent or has lost its licence?: The claim does not go away. Insolvency or the loss of a licence does not end the claim on its own, and it says nothing yet about whether money can be recovered. Safeguarded money and claims in a wind-down follow their own procedures. We look at the procedure, your records and the available assets in our review.
Can the claim be bought from me instead?: In selected cases, an outright purchase of the claim for a fixed price, by a specialist recovery fund the firm cooperates with, may be offered; it is not assured. Eligibility is decided by our review, not by request.

Who we are

J. van Huuksloot Asset Management B.V., Herengracht 433, 1017 BR Amsterdam. Chamber of Commerce (KvK) 76675602. You can also write to inquiries@jvham.com.

If you have the contract and a few statements to hand, that is enough to start. Go to the quick check.

This page is for information purposes only and does not constitute legal advice.