Resources
Practical guides to prevent chargebacks, respond to disputes and choose payment providers.
A chargeback can challenge only part of a Shopify order. The disputed amount is the value identified in the bank case; the order total is the value of the purchase record. They answer different questions, and neither…
Read articleA chargeback does not, by itself, prove fraud. It proves that a payment has entered a dispute process. Even a reason labeled Fraudulent communicates an allegation about authorization; it is not a complete finding about…
Read articleA void releases an authorization before the payment is captured. A chargeback challenges a captured card payment through the bank dispute process. The difference is the transaction stage: a temporary authorization is not…
Read articleA chargeback fee is a cost associated with handling a disputed payment. A payment processing fee is a cost associated with accepting the original payment. They can both relate to one order, but they are separate cost…
Read articleShop Pay is an accelerated checkout experience. Shopify Payments is a payment processing service. Seeing Shop Pay on an order does not, by itself, tell you everything about the dispute route; the relevant transaction and…
Read articleCanceling a Shopify order does not, by itself, cancel the bank chargeback associated with its payment. Order cancellation changes the store’s operational record. The bank dispute has a separate lifecycle and must be…
Read articleA Shopify chargeback reason is a routing label for the customer’s allegation. Use it to identify the business question that needs review before deciding what the merchant’s position should be. The label does not…
Read articleShopify cannot overturn the bank’s final chargeback decision. Shopify Support can investigate technical and account issues within its workflow, but disagreement with the result does not transfer decision authority from…
Read articleA Shopify inquiry and a chargeback both begin with a cardholder raising a concern through their bank, but they do not have the same immediate financial effect. An inquiry asks for information while the disputed funds…
Read articleA refund is initiated by the merchant through the payment workflow. A chargeback is initiated through the cardholder’s bank. Both can return money to a buyer, but they travel through different processes, create different…
Read articleIn a Shopify card dispute, the merchant supplies facts and chooses available merchant actions, the payment infrastructure carries the case, and the cardholder’s bank makes the dispute decision under the applicable…
Read articleChargebacks run on three different clocks: the cardholder’s filing window, the merchant’s response deadline, and the bank’s review period. Confusing them can make a merchant believe a case is too late to exist, that…
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