Why are my payouts failing with Chase bank?

Payments + Shipping & Fulfilment

Topic summary

Merchants are experiencing failed payouts from Shopify Payments to Chase bank accounts, specifically business accounts. The issue appears related to ACH debit blocking settings on Chase business accounts.

Primary Issue:

  • Payouts fail despite correct account information being entered
  • Other payment platforms (Etsy, PayPal) work fine with the same Chase accounts
  • Problem seems isolated to Chase business checking/savings accounts

Reported Solutions:

  1. Temporary workaround: Switching deposits to a Chase personal account instead of business account

  2. Proper fix: Adding Shopify’s ACH IDs to Chase’s allowed payee list:

    • Access Chase’s ACH Debit Block settings
    • Manually add Shopify-provided ACH ID codes
    • Support must escalate the case to receive these specific codes
    • Payouts resume within 24 hours after configuration

Support Experience:

  • Initial support tickets may not resolve the issue
  • Escalation to specialized Accounts team required
  • Response times reported as 5+ days
  • One merchant waited 17 days without payouts

Status: Multiple merchants continue experiencing this problem. The ACH allowlist solution appears most effective when support provides the necessary codes.

Summarized with AI on November 2. AI used: claude-sonnet-4-5-20250929.
4

I absolutely understand your concerns and frustrations, @rachaustin2000 .

I know this isn’t what you’d like to hear, but if your ticket has been escalated then rest assured that our specialized teams are working hard to investigate your issue as quickly as possible. They are best equipped to assist with account-specific situations and will provide an update for you as soon as they can.

Again, we appreciate your patience and understanding during this process.