Mame 2nd Acc

Shopify just took me down again, CB rate was about 0.2-0.3% for CNP and digital wallets, was about 2% thanks to paypal wallet being so lenient with the inquiries, I've had 5-6 chargebacks in a few thousand orders I've spoken with their support team and they told me themselves that paypal wallet doesn't count for your overall chargwback rate and that's other division (allegedly verified by the payments team), took their advice, lost $350k (of profit) last 3 months, im not even a millionaire, but I wouldn't be very far away if this guys wouldn't be ruining my dreams, was on pace of doing my biggest day ever too, so fucking unfair man. Not expecting anything man, just want to quit at this point ngl, will disappear for a few months, 3 months since I haven't had a single shopify payout investing multi 6 figs in adspend without getting a cent back, it took them 50 days to reply me why my first ever payout was cancelled (have also other $210k on hold) I swear somwthing, If I don't get this solved in the next 24h, I will never be using shopify payments again, that's for sure, living in fear with a 0.2% chargeback rate is not normal, other friend was down too with the same cb rate recently, please tag them so they can see this and hopefully something happens, im not expecting anything good tbh, anyways, see you soon. The miscommunication by shopify team costed me a third of an M, nobody is gonna be held responsible or accountable for this, just me, it's actually fucking wild Take me as an example of what not to do; I've gone bankrupt because I had PayPal Wallet activated following the advice of the Shopify team. If I hadn't listened to them and if they had left the legacy PayPal option activated, I would be operating peacefully (they're going towards a monopoly model where you can only use them and their integrations). Right now, I wouldn't have to deal with any of this and these headaches. Anyways, happy scaling to everyone @tobi @harleyf @ShopifySupport

I’ve now gone through two separate payout holds on Shopify Payments this year. First one: lasted ~4 months (end of 2024 → early 2025). I didn’t pressure support, even with a low chargeback rate, because I understood policies are policies. Second one: 15% hold for 3 months, set to end October 1st. Already hard to scale when you run on ~20% margins and lose 5% to holds. But a few weeks ago Shopify added another 100% hold until I “verified my business address.” My address was legit (not a registered agent). I submitted bank statements + lease agreements. Not accepted. So I prepaid a 1-year office lease to solve this. Support even confirmed it was “resolved”, you can see the image below. Yet the red banner never disappeared and the hold stayed. For months now I’ve been forced to fund the business out of my bank balance without my cashflow. I’m not VC-backed. I’m close to $200k frozen by Shopify. This lack of cashflow dropped my credit limits from multiple 6 figures to barely 5, my bank now sees me as distressed, I will basically start from 0 if this is not solved in the next weeks... I’ve raised 5+ tickets with Shopify Plus support. Nothing. Just the same canned lines we all been through: “I understand, I’m also a business owner”. Shopify keeps marketing itself as “the place to build your dreams.” But for small merchants, it feels more like a pawn shop holding our money hostage while pushing their usurious credit products. If I don’t get this hold lifted before my next payout, I’m heading straight toward collapse. PS: This is not even a quick scaled store, this store is over a year old with over 10.000 orders. Tag @ShopifySupport @harleyf @tobi @Shopify please, this is killing real businesses.