In public security, judicial and bank risk control measures, stop payment and freezing are important means to control the flow of account funds, but the two are very different.
Nature and duration: In the public security and judicial fields, payment suspension is mostly temporary and emergency. For example, once an account is related to upstream criminal funds, payment suspension will be carried out immediately for the purpose of investigation. The duration is often two or three days. If multiple agencies suspend payment in succession, the time will be accumulated. Emergency payment suspension is a "quick and decisive" move by the anti-fraud center in response to reports from victims. If the report is true, the account will be basically locked and frozen, and payment suspension is just a prelude. Freezing is a formal control of up to half a year implemented by the public security organs after they have finalized that the account has received the funds involved in the case. If the case is not over and the nature of the funds is in doubt, the freeze can be extended indefinitely.
Unfreezing conditions: The end of stop payment depends mainly on the results of the investigation. If the card is not involved in the case, it will be lifted. Whether the freeze can be unfrozen depends on whether the cardholder can provide strong evidence of the transaction involved in the case based on his or her own transaction situation. It will be verified by the public security organs. It is not that everything will be fine after half a year. In reality, it is not uncommon for the card to be unfrozen for one or two years. Only when the account transactions are clean, the funds involved in the case are properly handled, and the case is closed, will the unfreezing be put on the agenda.
Operation process and timing: Stop payment is simple and quick, without red tape; freezing requires complicated procedures in accordance with regulations. If the funds are abnormal just after they are deposited into the account, in order to prevent the outflow of funds in time, the payment is often stopped first and then frozen later; if the problem is discovered after a long time of receiving the payment, the funds are likely to have been transferred, so they are frozen directly.
Banks also have payment stop measures in their risk control, which are designed to limit the transfer and withdrawal of risky accounts. In this case, cardholders can ask the bank for the reason and explain the transaction details truthfully, and there is hope that the risk control payment stop will be lifted.
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