Wise · Payoneer · Mercury

Payout frozen. We write the review letter from their email.

Wise under review, Payoneer limited, Mercury account restricted or closed — these are KYC and source-of-funds letters, not marketplace POAs. We quote the email, describe the business in one page, list the documents you are sending, and ask for a review. You send it. They decide. We do not promise the balance moves.

Paste the notice Standard $79 · Plus $129 · Rush $149 · Not legal advice

Honest limit. If they asked for specific PDFs (passport, invoice, contract, bank statement), upload those even if you also send a letter. A letter without the file they named does not move a compliance queue. If the activity is something they prohibit, we will not write that it was something else.

What the letter contains

Issue as they stated it: frozen, under review, limited, restricted, closed.
Who you are: legal name, country, what the account is for, counterparties, typical amounts.
Source of funds / source of wealth in plain sentences that match the invoices you attach.
List of documents in the same packet, named.
Review request. You remain the account holder. We do not call ourselves your bank.

How you submit

The secure message center or the reply path in their email. Never a random URL from a chat. We will not ask for one-time passcodes, card numbers, or remote access.

What we refuse

A story that the funds came from a business that is not yours.
Help opening a replacement rail to skip an AML review.
IBAN collection — you pay Merchantfile on Stripe, not to an account we put in this letter.

Drafts in English, German, Spanish, French, Portuguese, Italian, Dutch, or Polish. Match the notice.

What it costs

Standard

$79

Review letter from the freeze / limit / close email. 24h. 1 revision.

Plus

$129

Letter plus submit checklist. 24h. 2 revisions.

Rush

$149

Same as Plus. 12h after paid notice.

Clock starts when the notice and Stripe payment are both in. A platform “no” is not a refund. The product is the document.

Start intake Impressum

Will this unfreeze my Wise / Payoneer / Mercury account?

No promise. We draft the review letter. They decide. Compliance holds can last weeks regardless of the letter.

Do you need login access?

No. Paste the email and a one-line description of the business. You send the letter.

Can I pay you by IBAN or Wise?

No. Stripe invoice only for this product.

Is this legal advice?

No. Document drafting. Nick Schäfer / Nick’s Advisory, Frankfurt am Main.

Other platforms

Amazon POA · Stripe · PayPal · Google Ads · Meta Ads · Shopify Payments · KDP · Wise / Payoneer / Mercury

Merchantfile drafts documents. Not legal advice. Not affiliated with Wise, Payoneer, or Mercury. We do not log into your account and we do not promise reinstatement. Nick Schäfer / Nick’s Advisory, Frankfurt am Main. Impressum · nick+merchantfile@nicksadvisory.com