Why was my payment held?

Banks and payment providers must understand the payments they handle, under anti-money-laundering rules. A first payment from a new payer, an unusual amount, or a reference that doesn't say what the payment is for are common reasons. Align isn't told the exact question, so it asks for the documents that usually answer it.

From A payment you received is in review: what it means and what to send, by . Updated .

The wider picture

The key points from the guide this answer comes from:

  1. A payment shown as In review has arrived, but Align's banking partner is holding it until you explain what it's for. This is a routine check, common with a first payment from a new payer or an unusually large one.
  2. Answer from the payment's page: upload at least one document, such as the invoice or the contract behind the payment, and write a short note on what it's for and who sent it.
  3. Once you've sent them, the payment reads In review · We have your documents, and the reminders stop. Align passes your documents to its banking partner.
  4. Answer promptly. An information request left unanswered can lead to your account being paused.

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The full guide

The money has arrived, but Align's banking partner holds it until it knows what the payment is for. Upload the invoice or contract behind it and a short note on who sent it, and answer promptly.

Read A payment you received is in review: what it means and what to send, with its sources.

General information, not legal, tax or financial advice. Rules and providers' terms change; check the sources in the guide and take advice on your own situation.

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