I am in the same situation. Shopify has turned off my payment gateway. I have loved shopify until this point however it is not worth the risk unless you enjoy losing thousands of dollars as much as you enjoy building the site with shopify's user-friendly options.
Cian H reply is obviously anecdotal because I am proof that they are still turning off your store when they feel like it with no explanation. I understand mitigating risk but I have 0 chargebacks and process 300-1000 dollars every day. my customers are happy and I know this because I talk to them every day.
Shopify should be held accountable to the cost and customer relationships that I have built and should not be allowed to do this to others.
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