I have been very happy with Shopify as a platform & primarily use Shopify Payments for 98% of our orders. I have been happy with the quick payments, the platform in general.
I have been teetering at the 1-2% chargeback line off and on since starting with Shopify and most of the time the chargebacks are customers trying to get out of our return policy which is clearly spelled out.
I had a message from Shopify a few days ago that my chargebacks are too high and they were going to restrict my account to a 30 day payout or cut me off. I cannot run a business getting payouts monthly - this is not an option.
This is what I don't get - You don't loose any money - WE DO - you immediately recoop 100% of the chargeback directly from your customer AND your fee of $15. We loose everything every time and you loose nothing and have been fully reimbursed in full. We then may or may not ever see that money again - AND now in my case I have my shopify payments account limited and maybe cut off - I don't get it. I don't see how this is a WIN for your customers at all ?
I read all the posts on this forum and I have accepted paypal, amazon and a bunch of other platforms over the past 10 years and they all have their drawbacks ... it's just part of doing business online to KNOW you are going to loose money here and there.
I have found Shopify to be very fair in the past and they have overturned many chargebacks when I have provided proof of delivery or circumstances. Lately that is just not working anymore and I don't feel it is fair to expect or FORCE online retailers stay at 1% when it is just about impossible to keep every transaction from filing or every customer happy no matter what.
I run a fair business treating customers as I would want to be treated myself as a buyer. I do have special order items which people chargeback on for no good reason, I have customers that don't like the color and don't want to pay to send it back or pay the restocking fee, I have customers that keep the product and file a chargeback stating they never received it or did not approve it... many reasons. I sell specialty items for the most part - not run of the mill things.
I would love a real solution so I can keep receiving payments & focus on my business and products. I don't want to be cut off I am very happy with Shopify and would highly recommend and HAVE. I just need a solution so I can focus on making great products and keeping my business operating.
SHOPIFY ... just charge me more ... why is there not a higher risk checkout option? I have a stable track record and I am a long term customer - you know my volume and my percentages. If you feel the need to penalize me and charge me more then let me know ... give me some options. I need to keep getting paid, paid quickly and keep trucking.
SHOPIFY ... Would it not be more realistic to expect online retailers to have a certain % of chargebacks and if necessary just put a small rolling reserve on accounts or something fair to you and managable to the customer ? If their chargebacks are 3% you could put a rolling reserve of 5% which would more then cover any and all potential losses.
I KNOW I can't be the only retailer going through this and would love to find out what others have found as a viable solution.
I must say it is a real kick in the teeth to have BOTH chargebacks and totally lost revenue AND potential to loose your merchant account over people that just don't want to pay for their order - and in my case HAVE THE PRODUCT.
Any advise greatly appreciated and I would be happy to give any help I can to anyone else.
I also am currently having a really financially significant chargeback issue. We make custom high quality animal cages and completed a custom design to a lady who received the product and asked for one modification to which we said yes and yet she filed a chargeback for $4500 which was immediately taken from our small business account. I had tons of documentation to present in my defense but when I went to upload it, found that there is a 2MB limit on any paperwork and so I had to cut my defense against this fraudulent chargeback in half and submitted it anyway feeling confident given we have an airtight terms & conditions that clearly states no returns of any kind on custom items. Shopify let us know that the bank had decided to side with the customer and that we had no further options. So the customer has the very expensive cage in her home using it for her pet monkeys and we lost all the money for the order, were charged for the experience (and I let the customer pay in 3 installments and so I was hit with 3 chargeback fees). At this point, I am super frustrated as to not have any way demonstrate a large body of evidence that proves that this lady deliberately wanted this expensive cage at no cost and there is absolutely no damage or defect at all. All she had to type was PRODUCT UNACCEPTABLE and I submitted pages of proof. Can you please tell me who the actual Merchant Services provider is? Why can I not get a Merchant ID# or a Case Number for this huge loss from Shopify? Surely this cannot be my only option. I have no information with which to even go outside of Shopify with to pursue the money that was taken from my account. Please...any help would be very helpful as this is happening in real time.