Main issue: The “automatically collect payment” setting captures payments even on orders flagged as high fraud risk, exposing merchants to chargebacks, fees, and operational cleanup. The request is for more granular control so high-risk orders aren’t auto-captured.
Workarounds discussed: Initially, cancel high-risk orders via Flow after capture, which is risky and messy. A better workaround is switching to manual capture and using Flow to automatically capture only low-risk orders.
Official clarification: Auto-capture applies to all orders regardless of fraud analysis results. Shopify’s fraud analysis is advisory and does not block payment capture.
Suggested solutions: Use third-party fraud prevention apps that can hold or cancel orders pre-capture or provide guarantees, such as Signifyd, Riskified, and NoFraud. These tools offer automated screening and may include chargeback protection.
Status: No native setting currently exists to exclude high-risk orders from auto-capture. The thread functions as a feature request and remains open without a built-in resolution.
It seems to me that the “automatically collect payment” setting has a pretty major design flaw, in that it captures payments for orders known to be high fraud risk. The workaround is to create a flow that cancels high-risk orders AFTER knowingly accepting them, which exposes us to chargebacks and processing fees, plus the extra mess, and it’s just obviously a bit backward. It’d sure be lovely to see more granular control over this setting.
Merry Christmas!
Apologies. I guess the workaround would be to set that to manual capture, then use a flow to capture only low-risk items. Still, it seems that this little flaw makes the auto-capture feature basically useless.
Hey @11x!
sorry to hear that.
This is an expected behavior on Shopify. When automatic payment capture is enabled, Shopify will still capture the payment even if the order is marked as high fraud risk.
Probably the best recommended step you can do is to switch to manual payment capture. This lets you review fraud analysis first and only capture payments for orders you’re confident are safe. It gives you full control and avoids charging high-risk orders by mistake.
Using a fraud prevention app that can automatically hold or cancel high-risk orders can also help, but keep in mind that it may come with an additional cost.
One long-term solution is to automate actions based on fraud risk using Shopify Flow (if available on your plan). If interested, I have a beginner-friendly YT video that walks through how to create automations using Shopify Flow: https://youtu.be/edym2_mCj2I?si=UXIYnratSw6KrGEr
Hope this helps you out! 