PayPal Holding $12K for 21 Days — Need the Money for Payroll

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Illustrative scenario prepared by my practice.
For informational purposes only. This is not legal advice.
Hypothetical question

Looking for advice on this situation. PayPal Holding $12K for 21 Days - Need the Money for Payroll What are my options here?

Details: I'm in a situation where I need to understand my legal options. Has anyone dealt with something similar?

Illustrative response

Keep in mind that payment processor disputes are governed by the contract you signed, not consumer protection law (since you're a merchant). Read your merchant agreement carefully for the dispute resolution process.