DISABLED_REASON under_review CONFIDENCE WHEN SET: HIGH
Recoverable state

My Stripe account is under review. How long will it take?

Account is under Stripe review (not rejected). Stripe has paused parts of the account while its risk team reviews it. Reviews resolve in days, faster when requested information is supplied.

What this state actually is

A review is a question, not a verdict, and it is the state where your own actions change the outcome most. Stripe has paused something, often charges and sometimes only payouts, while a human or an automated process examines the account. The clock is largely yours: reviews stall far more often on an unanswered questionnaire than on Stripe's queue. The merchants who come out of this quickly are the ones who answer the same day, completely, with attachments, and then stop touching the account.

How to confirm this is your code

Stripe exposes the code in the requirements.disabled_reason field of your Account object. Check it with a direct API call, GET /v1/accounts/{ACCOUNT_ID}, or connect Opsidion read-only and it reads the field for you, along with the verification errors, capability state, and 90 days of risk signals that explain why Stripe set it. The dashboard banner usually paraphrases this code, but the field itself is the source of truth.

What puts an account in this state

Roughly in order of how often we see each one:

  • A dispute rate approaching or crossing the ~0.75% intervention threshold, or a run of early fraud warnings.
  • A volume pattern that broke from the account's own history: a launch, a seasonal spike, a viral moment. Sudden growth is one of the most reliable review triggers there is.
  • A periodic website re-screen that surfaced category-adjacent language or a missing refund, terms or contact page.
  • A change to the account: new products, a new country, a new director, an altered business description or bank account.

The playbook

  1. Answer any open questionnaire in the dashboard immediately. Reviews wait on you, not on Stripe.
  2. Prepare evidence of fulfillment (tracking numbers, service logs) and inventory/supplier proof; these are the most-requested items.

What to have ready before you respond

Every round trip with Stripe costs days, so the goal is to make the first reply the complete one:

  • Fulfilment proof: shipping and delivery confirmations, access logs for digital products, contracts or statements of work for services.
  • Your refund, cancellation and shipping policies as published, plus working contact details on the site.
  • Supplier invoices or inventory records that show you can actually deliver what you are selling.
  • A short written explanation of anything anomalous, with dates. Reviewers are trying to distinguish real growth from a bust-out, and a plausible dated story does that quickly.

What makes it worse

The avoidable mistakes. Each of these turns a slow problem into a harder one:

  • Answering the questionnaire partially, or promising documents 'shortly'. The case parks until it is complete.
  • Making changes mid-review: new products, a changed business description, a new bank account. Each one resets the reviewer's picture and can extend the hold.
  • Routing customers to another processor while the review runs without saying so. It reads as evasion and it is visible in the volume drop.

Typical timeline

Days; faster when you answer the questionnaire

Get the full diagnosis, not just the code

The code tells you the category; it doesn't tell you which charge pattern, website issue, or verification field caused it. Opsidion's $49 diagnosis ranks every probable cause from your account's own signals, and auto-refunds if it finds nothing assessable.

Diagnose my account Explore the demo

Frequently asked

What does under_review mean on a Stripe account?

Stripe has paused parts of the account while its risk team reviews it. Reviews resolve in days, faster when requested information is supplied.

How do I fix a Stripe account with disabled_reason under_review?

Answer any open questionnaire in the dashboard immediately. Reviews wait on you, not on Stripe. Prepare evidence of fulfillment (tracking numbers, service logs) and inventory/supplier proof; these are the most-requested items.

How long does under_review take to resolve?

Days; faster when you answer the questionnaire

What causes a Stripe account to get under_review?

A dispute rate approaching or crossing the ~0.75% intervention threshold, or a run of early fraud warnings. A volume pattern that broke from the account's own history: a launch, a seasonal spike, a viral moment. Sudden growth is one of the most reliable review triggers there is. A periodic website re-screen that surfaced category-adjacent language or a missing refund, terms or contact page. A change to the account: new products, a new country, a new director, an altered business description or bank account.

What documents do I need for a under_review restriction?

Fulfilment proof: shipping and delivery confirmations, access logs for digital products, contracts or statements of work for services. Your refund, cancellation and shipping policies as published, plus working contact details on the site. Supplier invoices or inventory records that show you can actually deliver what you are selling. A short written explanation of anything anomalous, with dates. Reviewers are trying to distinguish real growth from a bust-out, and a plausible dated story does that quickly.

What should I avoid doing after getting under_review?

Answering the questionnaire partially, or promising documents 'shortly'. The case parks until it is complete. Making changes mid-review: new products, a changed business description, a new bank account. Each one resets the reviewer's picture and can extend the hold. Routing customers to another processor while the review runs without saying so. It reads as evasion and it is visible in the volume drop.

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