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I have money stuck in a merchant account. ;-\ I also have several payments my payroll person did the day/night of the freeze that never made it to performer accounts.
I was told that once the freeze was lifted (can legally be there up to 90 days) FCP plans on getting everyone's money back. No idea what will happen with the money that was being transferred when the freeze went into effect though. If it'll get pushed to the card, bounced back to my account or be lost in limbo.
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