Shopify Payments disabled after 1 fraudulent chargeback — bank ruled in our favour, funds held until October

[long.bear]

Honestly the part I can’t get my head around is what actually triggers the disablement, because it doesn’t seem to line up with anything. There’s another thread where someone’s at 2,500 orders and a 0.4% chargeback rate, well under the 1% line everyone treats as the danger zone, and they got the exact same Payments disabled plus 120 day hold:

Shopify Payments disabled + 120-day payout hold, only 10 chargebacks on 2,500+ orders (0.4%)

Hi everyone, hoping someone here has been through this and can point me in the right direction. Situation: Shopify Payments was disabled on our store due to “elevated risk of customer disputes,” and Shopify is holding our payouts for 120 days. What’s confusing is our dispute volume is low relative to our order volume: We’ve had 2,500+ orders Only 10 chargebacks total That’s about a 0.4% chargeback rate (well under the 1% threshold I always hear referenced) Timeline / what we alread…