The comments under this post tell you the real story.
The top reply says "this is the first time we are hearing about this." Every operator under it is describing the same broken escalation. Form responses, no human, months of waiting while their business burns.
At this point, no one running serious volume should relying entirely on a platform where:
- The signals deciding their survival are hidden until they are used against them
- The escalation process is broken by the public testimony of the people using it
- They will never be large enough to ever make any of this change
To be clear, Shopify Payments has its place. The problem is depending on it as your only rail.
The brands we have taken past 7 figures still use Shopify Payments, but they also own their payment infrastructure underneath it. They see every signal in real time and have direct access to their banks. When something goes wrong they walk in with proof and handle it like an adult business instead of waiting on a form email from a risk team that does not know their company exists.
If you want to escape the Shopify Payments dependency trap, we wrote a step by step guide on how to get started. Link is in the comments.
We get a lot of questions about why Shopify Payments are disabled after risk reviews, so I want to be direct about what we do, why we do it, and what the data shows.
We often hear "My chargeback rate is only X… why is Shopify acting on my store?"
While chargeback rates are one signal, fake reviews, buried subscription terms, products that never arrive – these are just a few of the other signals that trigger action. When buyers have to dispute a transaction from a merchant because they never shipped a product or the product was different from what was promised, the trust degrades in all independent businesses on Shopify.
We also closely look at when we get this wrong: 99.9% of merchants in good standing have never experienced a wrongful termination or rejection. In the rare cases we get it wrong, there is a defined escalation path, and we have invested in making it faster, more transparent, and more self-serve.
This is what it means to build a platform merchants and their buyers can trust. 👇