Why This Happens
Shopify Payments monitors your chargeback (dispute) rate against card network thresholds. When chargebacks exceed 1% of transactions or a specific count threshold, Shopify restricts your payment processing to protect against card network fines. High chargebacks often stem from unclear billing, shipping delays, or product quality issues.
Example Notification
"Your Shopify Payments account has been restricted due to an elevated chargeback rate that exceeds acceptable thresholds."
Compliance Steps
Calculate your exact chargeback rate and identify root causes
Respond to all open chargebacks with compelling evidence
Implement clear billing descriptors and order confirmation emails
Add tracking with delivery confirmation to all shipments
Create a proactive refund policy to prevent disputes
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