Credit card processing

I had the same problem with square. I used then to process all my credit card pmts and it is the blue they said they were " protecting my company" from canceled card pmts. I had to cancel those payments refund that to the customer and collect payment again through an alternate source. It definitely sucks but waiting for a return to be credited back for 2-3 days then reprocessing payment which may take a few days if you are using a new system. It's easy better than losing 25% of your invoice ( which is usually the profit from that job) for up to 6 months. All they are doing with that money is using it to lend out in shirt term loans and earning interest from those loans before they let you have access. I use my business banking account to process all my pmts and I've never had to wait for more than a couple days for large pmts to be processed. That may be an option for you. Good luck it can definitely make or break a newly started business. For sure.