Frequently Asked Questions

Holdy is a buyer protection platform for B2B online deals. When a buyer commits to a deal via a Commit Link, their payment is held securely by Stripe until the seller delivers the agreed work. No contracts, no chasing invoices.

Holdy is not escrow. We operate as a marketplace using Stripe Connect. Funds flow through Stripe's regulated payment infrastructure. We provide buyer protection through delivery verification and a dispute process, but we are not a licensed escrow agent.

Holdy is designed for B2B transactions: freelancers, agencies, consultants, and their business clients. Both parties must be businesses or sole traders. Consumer transactions are not supported.

Holdy charges a percentage fee per deal based on the deal amount: 8% for deals under €250, 6.5% for €250–€1,000, and 5% for deals over €1,000. The fee can be paid by the seller, the buyer, or split between both parties. See our pricing page for details.

Funds are released to the seller once the buyer accepts all deliverables, or automatically after 7 days of buyer silence. Stripe then pays out to the seller's bank account on their normal payout schedule (typically T+2 business days).

Buyers can pay with credit/debit cards (Visa, Mastercard, Amex) and iDEAL (for Dutch buyers). All payments are processed by Stripe.

If the buyer is not satisfied with the delivery, they can open a dispute during the review period. Both parties submit evidence, and Holdy reviews the case based on our Dispute Policy. Resolutions include full release to seller, refund to buyer (minus the non-refundable platform fee), or partial resolution.

Yes. Before the seller uploads deliverables, the buyer can request a mutual cancellation. After delivery, if the buyer rejects a deliverable twice (2-strike cap per deal), the deal auto-refunds. On all refunds, the non-refundable platform fee is retained — it covers escrow, verification, and dispute infrastructure services delivered upon payment.

Yes. Funds are held by Stripe, one of the world's largest payment processors. Holdy never has direct access to your funds. Stripe is PCI DSS Level 1 certified and regulated as a payment institution.

Holdy is a product of Basepay B.V., a company based in the Netherlands. We serve businesses across the EU and UK.

All sellers complete Stripe's identity verification (KYC). Payments are screened by Stripe Radar for fraud. Suspicious accounts are flagged and reviewed. Learn more on our Security page.