Payment Radar
Shopify Chargeback Fees, Response Deadlines, and Payout Reserves for US and Canadian Merchants
The guide outlines the operational framework for Shopify merchants handling chargebacks. It specifies a $15 fee for US and Canadian merchants, which is refunded upon winning a dispute.
Payment RadarOriginal source: Chargeback Gurus · linked publisher media; native reuse rights require confirmation 
What changed
The source is a tier-2 publisher (Chargeback Gurus) providing a guide on Shopify chargebacks. The content details the operational mechanics of chargebacks for Shopify merchants, including fees, response deadlines, evidence submission rules, and specific program enrollments (Shopify Protect, Network Dispute Resolution Program). This provides direct, concrete value to US and Canadian merchants using Shopify Payments by outlining exact costs ($15 fee), required actions (evidence submission within 7-21 days), and operational consequences (10% payout reserve for high chargeback rates).
Why a business should care
Failure to manage chargebacks effectively can lead to direct financial losses (fees, lost revenue) and operational disruptions (payout reserves). Understanding the specific rules for evidence submission and program eligibility is critical for maintaining healthy payment operations.
Who it affects
US and Canadian merchants using Shopify Payments, particularly those with high chargeback rates or those selling physical goods via Shop Pay.
What to consider doing
US and Canadian Shopify merchants should review their chargeback response procedures to meet the 7-21 day deadline. They should ensure evidence files comply with the 2 MB/4 MB limits and accepted formats. Merchants should monitor their chargeback rates to avoid the 1.5% threshold that triggers the 10% payout reserve. US merchants using Shop Pay should verify if their orders qualify for Shopify Protect.
Uncertainty and risks
None identified. The information is factual and operational. chargeback: A forced reversal of a card sale initiated by the cardholder’s issuing bank, governed by network rules from Visa, Mastercard, Amex, or Discover. Network Dispute Resolution Program: A program that can automatically enroll merchants with high chargeback rates, resulting in a 10% payout reserve. Shopify Protect: A program offering reimbursement for eligible fraudulent or unrecognized chargebacks for US merchants using Shop Pay, excluding digital goods and in-store pickups. No new product launch or policy change is announced. The content serves as a definitive guide to existing Shopify chargeback operations, fees, and programs (Protect, NDRP) for merchants.
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