This sucks, but plenty of companies don't get paid when they want to. If they hold 25% for 28 days and that's a huge issue, you can either switch providers or

This sucks, but plenty of companies don't get paid when they want to. If they hold 25% for 28 days and that's a huge issue, you can either switch providers or get a line of credit to give you some cushion for these events. Credit is is a reasonable and even conservative option if you know your chargebacks are temporary and you're only using it for costs you will be able to eventually cover when the 25% is released. Such is the life of being a business owner, but luckily there are plenty of solutions to these common problems if you ask your peers. This is by no means a crisis for someone who's been in business for a while, just an annoyance.