Marwane

Shopify Payments can freeze your account tomorrow morning. No warning. No appeal. Just an email that says "your funds are on hold." If your Shopify store does $50K+/month and you're 100% on Stripe, you're one dispute spike away from losing everything. Here's how to protect yourself in 5 steps 🧵

@artiumecom @Shopify These guys just don't care about your business, you need to stop relying on just one payment processor. This will kill your business eventually. We can help with that

🚨 @Shopify just froze $55,000.00 of MY money until September 2026. 🚨 A real small brand I built with my own two hands. My own product. My own custom formula. Manufactured under my own name. Customers who keep coming back because the product actually works. And then a form letter killed it in 48 hours. No human spoke to me. No one will tell me what I did wrong. No appeal. No reason. No recourse. Meanwhile in real life: My bank account is at zero. My suppliers are unpaid. My delivery companies are unpaid. My team is unpaid. My rent is unpaid. I cannot buy food for my family this week. I am writing this after a war that already broke so many small businesses around. I have nothing left. Genuinely nothing. I do not know what I am going to do tomorrow. We are just people who wanted to build something real. Late nights. Every formula test. Every customer email at 2am. Built from absolutely nothing with our own hands. And @Shopify is taking it all away with an algorithm that signed its name "Merchant Trust." Please. @tobi @harleyf, one human, ten minutes, look at my file. That is all I am begging for. If @Shopify has frozen your money, reply with your number. Let us show the scale of what they are doing. RT this. Please. You might be next. @Shopify @ShopifySupport @ShopifyEng @ShopifyDevs @harleyf @tobi @jzazove @atleeclark @gilgNYC @rohitmishra @Drewch @jessicarhertz @eytanseidman @maggiefost @rousseaukazi @benjaminsehl @fnthawar @liam_at_shopify @MParakhin @katarinabatina #Shopify #ShopifyPayments #ShopifyHolds #SmallBusiness #DTC Shopify Payments

@iamkevinkrieg That's why you need alternative payment processors, and high risk ones if you want to scale without headaches

"He started scaling? Take away his payment processor"

@EcomJawad @Shopify @ShopifySupport @harleyf @tobi This isn't a risk problem — it's an ownership problem. The Shopify Payments account was never yours, which is why they can hold €39k. Fix: a merchant account opened in your name, funds settle straight to your bank.

🚨@Shopify just KILLED my business. 🚨 They're holding €39,311 of MY money hostage until September 2026. → 3,162 orders delivered → 0.15% chargeback rate (6x BELOW industry "high risk") → Every proof submitted → Every customer happy Their answer? "Final decision." No human. No reason. No recourse. Meanwhile: my suppliers unpaid. My employees unpaid. My ads off. My stock frozen. A clean, profitable business — destroyed in 48 hours by an algorithm. 🇫🇷 @Shopify vient de TUER mon entreprise. 39 311€ de MON argent retenus en otage jusqu'en septembre 2026. 3 162 commandes, 0,15% de litiges, tous les justificatifs fournis. Réponse : « décision finale ». Aucun humain. Aucune explication. Aucun recours. This is happening to thousands of merchants. It needs to stop. @tobi @Shopify @harleyf — review my case. With a human. Now. If you read this: TAG @Shopify @ShopifySupport RT this. Save a business. 🙏 #Shopify #ShopifyPayments #ShopifyHolding

@4KL4K Just add MRR do your store, you'll get there in no time

i need a 10k profit day bro im going fucking insane.

@sammgrowth ugc

this ad is 100% ai 8 minutes to make $0.60 in compute no creator. no studio. no actor. the realism layer keeps getting cleaner if you saw this scrolling tiktok tonight you wouldnt clock it as ai we're past the "is this real" phase we're in the "does this convert" phase brands running ugc and dtc campaigns on Affiliate Network are paying $2-3 per 1000 views for this exact format right now real ugc creators charging $400 per clip are about to find out drop "ugc" and ill dm you the realism stack im running this week (must follow so i can dm)

This is exactly why relying 100% on Shopify / platform processors is risky — even with clean metrics.0.2% CB on $5M+ and still getting paused shows it’s not just about performance, it’s about control. If you want to recover fast + protect your MRR long-term, you need: > independent merchant accounts (not tied to one platform) > your own token vault (so subs aren’t locked) > processor redundancy Happy to help you get this back up + make sure it never happens again. DM me.

‼️URGENT HELP NEEDED‼️ $1,000,000 in recurring revenue DELETED! 0.2% chargeback rate after processing over $5.5M on Shopify over the last 5 months. We’re doing $150K a day losing the MRR we've worked so hard to build puts us in a very tough position @ShopifySupport @harleyf @tobi @Shopify , we need urgent assistance! Any retweets and likes would be appreciated. If anyone can help me resolve this or put me in contact with anyone that can resolve this we will pay $$$

@jackedguyy We can help you setup MRR but not BH

One more facebook ban and im switching bh mrr

You built a $500k/month store. Meta Ads optimized. Email flows running. Products converting. Then one morning, you open your laptop and see this: "Your Shopify Payments account has been suspended." No warning. No appeal process that actually works. Just — frozen. Your ads are still running. You're still paying for inventory. Customers are still checking out. But nothing is processing. Here's what nobody tells you when you're scaling: Shopify Payments is not your payment processor. SP is a technology company that tolerates processing payments for you — until it doesn't. The moment your chargeback rate ticks above 0.9%... (or even lower for some cases) the moment a competitor reports you... the moment an algorithm flags your product category — you're done. And if you have zero fallback processor? Your business stops. Entirely. Most 7-figure Shopify merchants have redundancy in every part of their business except the one that literally moves money. Diversify your processors like you diversify your ad spend. One termination should be an inconvenience — not a death sentence.

@varunoshi Consistent 1k days with creatives-first focus = right priority order. Just worth knowing: a sub layer isn't a focus-stealer, it's a back-end mechanism that raises your ROAS ceiling so the same creatives scale further. Adding it at 1k/day consistent is actually peak timing

consistent 1k days no subscription yet but just focused on keeping up w high quality creatives

@JurrianEerden No recurring revenue. Every day resets to zero, so scaling = running faster on a treadmill. Add a sub layer or VIP membership and yesterday's customers become today's baseline — the 10k day stops requiring 10k of fresh acquisition

What do you think is the main reason you can’t scale towards 10K days with ecom?

Shopify Payments holds on new stores can drag 60–90+ days depending on your volume and risk profile. The merchants who get through it cleanly have two things in place before the freeze hits: a backup processor on standby, and recurring revenue so cash isn't 100% tied to new orders.

Shopify payments takes ages to give out our payouts because we're a new store When does this lift and go away?

@EcomSapo Of course, there is always improvement on the merchant account side. You need to negotiate with these payment processors if you have the volume to back it up

@MarwaneResub To be honest I don’t think they would benefit on a VIP sub on this case… They already have MRR with the subscribe and save and adding another layer on top of that would cause massive CB%.

If you use Shopify Payments… Your biggest problem isn’t getting suspended. It’s being miles behind your competition. Let me break it down: Most DR brands you see scaling on Facebook? They’re NOT using Shopify Payments. Not just because of shutdown risk… Because of customization LIMITS. Take Rosabella as an example. Check their ads. They all lead to a CheckoutChamp funnel. And guess what? You can’t use Shopify Payments there. Why does that matter? Customization. Their checkout is built to PRINT. → Pre-selected “Subscribe & Save” → Bigger bundle already selected → Prices framed to feel like a steal → $9.95 shipping protection pre-checked → FAQ removing last-second objections → No “order summary” on mobile That’s free AOV. Every single order. And upsells? Different league. Shopify + Aftersell? Not even close. And it’s not their fault. Shopify limits what you can do. And that… Limits your profits.

@hamilton90ecom @Shopify @ShopifySupport @ShopifyEng @tobi This happens every week to 7-fig Shopify merchants and nobody sees it coming. One processor = one chokepoint. Every ecom store past $100k/month needs multi-payment stack built before they decide to shut you down. Hope Shopify unblocks you fast @hamilton90ecom

🚨Mes paiements Shopify Payments ont été suspendus du jour au lendemain sans aucun explication. Des dizaines de milliers d'euros sont bloqués. Et des factures à payer … S'il vous plaît, veuillez escalader mon cas d'urgence. DMs open @Shopify @ShopifySupport @ShopifyEng @tobi

@francowu_ @Shopify @harleyf @ShopifySupport 7 figures/month at 0.1% and they still cut you. That's not a performance issue — that's a single-processor dependency issue. DM us, we'll set you up with a fallback stack before your next payout cycle.

Hi @Shopify, our Shopify Payments was shut down. We’re doing 7 figure month at 0.1% chargeback rate. Support team has not been helpful, can you please take a look? @harleyf @ShopifySupport

@ecomTrevor The low-ticket problem isn't the ticket — it's treating every buyer as a one-shot. Those 47 orders become $280 today + $280 next month + $280 the month after. The ticket size isn’t the issue. The business model is.

Low ticket ecom day: - 47 orders to process - 12 customer complaints - 3 returns to handle - $280 total profit High ticket ecom day: - 2 orders to process - 1 phone call - 0 returns - $1,400 total profit Same hours. Different life.

@John20791 @Shopify @harleyf @tobi @ShopifySupport Brutal. And way too common. We’re building exactly against this — multi-processor setup, no platform dependency. DM open 👊

Hi @Shopify you just terminated one of my stores. It has a lifetime chargeback of 0.5% and processed over 4mil across 11 months. Need help asap, appeal already submitted. @harleyf @tobi @ShopifySupport

@Brenimneves Come DM =

@MarwaneResub What payment gateways could I test so I don’t rely only on Shopify Payments, and that are high-risk friendly?

MATCH List: The Payments Industry’s Dark Secret If you're an ecom owner accepting credit cards, this could silently kill your store in 2026. The MATCH List (Mastercard Alert to Control High-Risk Merchants) is the payments industry's secret blacklist. Once you're on it, majority of processors (Stripe, Shopify Payments, banks, etc.) won't touch you for up to 5 years. The MATCH List doesn’t just flag your store. It blacklist your entire LLC (or business entity) and the personal information of the principal owners/guarantors. No new merchant accounts. No card processing. Game over for scaling. How do you end up there? > Excessive chargebacks (even 1-2% can trigger in some niches) > Fraud spikes from bad traffic or shady offers PCI compliance slips > Transaction laundering (selling on stores that were not approved by the processor) > Sudden account termination by your processor You often don't even get notified properly. You just apply for a new processor one day... and get rejected everywhere. Here is how to protect your store right now: > Monitor your chargeback ratio weekly — Keep it under 0.9% if possible. Use tools like Ethoca & RDR and check your processor dashboard. > Implement rock-solid fraud prevention - 3D Secure (3DS) on all transactions - AVS + CVV checks - Velocity rules (block rapid same-card buys) - Device fingerprinting > Clean up your offer & traffic - Avoid "too good to be true" claims Vet ad sources — low-quality clicks = refunds = chargebacks - Strong refund policy + easy customer service (prevents disputes) > Have backup processors ready — Don't put all eggs in one basket (Stripe/Shopify). Build relationships with high-risk friendly ones early if your niche demands it. We can help you with that. > If you're already rejected everywhere — Check with your old processor for the exact reason code. Sometimes you can fight erroneous listings, but it's tough. Real talk: I’ve watched multiple 6- and 7-figure stores die from this. Low chargebacks + honest practices are your best defense. Save this thread if you run an ecom store. What’s your biggest payment headache right now?

@nowkiro @Samuel_Ecom1 Come DM

@MarwaneResub @Samuel_Ecom1 Which high risk merchant do you recommend

PayPal will permanently BAN your account if you look like a dropshipper. Here's how to avoid it: (I've done $20mil+ doing this)

@torqmrr Hot take but 100% right. The whole point of recurring revenue is to escape the acquisition treadmill. But you can't escape it if your checkout still forces you to re-acquire. Subcription-first checkout. That's the build.

MRR is the only business where the lower your returning customer rate is, the better. It should be 0% returning customer rate. And for meta this is strange, they think because someone bought that they will buy again. Wasting adspend on dishing out impressions to your existing subs or canceled subs But in this business, you don’t want that. You want to make sure they never see your ads again. You don’t want to remind them about your offer. You can exclude buyers with a custom audience from your campaigns And you should obviously black list anyone who’s bought from you from buying again from another store.