Shopify Payments guide
Declined by Shopify Payments? When and how you can reapply
By the GetBackMyShop editorial team · Sources checked
Short answer
Shopify says you might be eligible to reapply once you've processed payments through a third-party provider for 6-12 consecutive months with a chargeback rate below 1%; an earlier review may be possible after at least 4 months with no Shopify Payments chargebacks. To request reconsideration, use the appeal form described in the rejection email, or reply to that email. Meeting the conditions doesn't guarantee approval, and a reserve may apply.
What this guide covers
This guide is for merchants whose Shopify Payments application was rejected. If an existing Shopify Payments account is on hold or was deactivated, start with the notice and the hold guide instead.
Conditions Shopify lists
- Process payments through a third-party gateway for 6-12 consecutive months after the rejection.
- Keep your chargeback rate below 1% during that period.
- Fulfil orders promptly, include tracking on all shipments, meet advised fulfilment timeframes and communicate clearly with customers.
- Clear pending balances, avoid negative balances and comply with Shopify's Terms of Service.
- Be ready to prove you meet these requirements if asked.
How to request reconsideration
- Find the rejection email sent to the account owner's address.
- Submit the appeal form the email describes.
- If there is no form, reply to the email and explain your situation.
- If you can't find the email, contact Shopify Support to have it resent.
- Keep using your current payment provider while the request is reviewed.
Shopify says reviews consider processing history, business model, product category and overall risk, and that approval may come with a reserve.
Source: help.shopify.comCommon mistakes
- Reapplying before meeting the processing-history conditions.
- Letting chargebacks rise above 1% on the third-party provider.
- Stopping your current provider before Shopify Payments is approved.
- Changing the business description to fit, instead of describing it accurately.
Official support and appeal routes
- Reapplying to Shopify Payments
Conditions and how to request reconsideration.
- Risk evaluation process
How Shopify assesses and monitors risk.
Need help with your own Shopify Payments case?
We help Shopify merchants whose Shopify Payments account is on hold or deactivated, or whose store has been restricted, understand which of these they are facing. That includes untangling “Shop Pay is suspended” messages: Shop Pay is part of Shopify Payments, so the real question is usually underneath. We then help you prepare the information or appeal Shopify asks for; Shopify makes the decision.
Shopify Payments restriction and appeal supportOfficial sources
- Reapplying to Shopify PaymentsShopify Help Center
- Acceptable business practices and risk evaluation for Shopify PaymentsShopify Help Center
Sources checked on: . Platforms update their help pages; check the current version before you act.