- Short answer
- Get your NDRP-inclusive chargeback rate over the last 90 days below 1.00% and keep it there for 30 consecutive days on Shopify Payments.
- Who might not exit
- Stores suspended or terminated from Shopify Payments might not be eligible to exit.
- Won disputes count
- The NDRP-inclusive rate counts standard chargebacks, disputes resolved automatically through an NDRP, and disputes you win.
- Rate to read
- The NDRP-inclusive rate; the standard rate leaves out disputes the program resolved, so it can read lower.
- Earliest exit (example)
- About day 120 after a bad week, steady volume: 90 days to age out, then 30 days under 1.00%.
- Exit notice
- Shopify notifies you on enrollment; no Shopify page we read describes a notice when you exit.
- The 10% reserve
- Can be lifted early if you exit; no Shopify page we read says how many days after.
- 90-day rate still above 1%
- Past the initial reserve expiration date, additional consequences may apply, including further reserves or payout holds.
What does Shopify require to exit an NDRP?
Shopify's network dispute resolution programs page sets the exit rule:
To exit an NDRP, your NDRP-inclusive chargeback rate over the last 90 days must drop below 1.00% and stay below 1.00% for 30 consecutive days while you continue to process on Shopify Payments.
That rate counts standard chargebacks, disputes resolved automatically through an NDRP, and disputes that you win.
If you've been suspended or terminated from Shopify Payments, you might not be eligible to exit.
The entry line sits higher: merchants with an NDRP-inclusive chargeback rate of 1.5% or higher over the last 90 days can be automatically enrolled.
How do you track your rate against the exit rule?
In Analytics > Reports, search for and open Chargeback rate, then set the date range to the last 90 days. One reading below 1.00% isn't enough: the rule asks for 30 consecutive days below it. The default rate your admin displays includes disputes resolved automatically through an NDRP.
Analytics shows two chargeback rates, and only one of them is the exit test. Shopify's guide to chargeback rates defines the standard chargeback rate as leaving out disputes resolved automatically through a network dispute resolution program, whereas the NDRP-inclusive chargeback rate keeps them in. Read the NDRP-inclusive figure: the standard rate can look lower than the number the exit rule tests, because every dispute the program resolves is missing from it.
What counts toward each rate
| Dispute or payment | NDRP-inclusive rate (the exit test) | Standard rate |
|---|---|---|
| Standard chargebacks | Counts | Counts |
| Disputes resolved automatically through an NDRP | Counts | Left out |
| Disputes you win | Counts | Counts |
| Payments through a third-party provider, such as authorize.net | Not in the rate | Not in the rate |
Shopify Help Center pages on network dispute resolution programs, chargeback rates and chargeback monitoring, read October 4, 2026.
The last row cuts both ways. Sales you take through another provider add no disputes to the rate, but they don't dilute it either: the rate counts only payments processed through Shopify Payments, and the exit rule asks you to keep processing there.
The NDRP-inclusive figure also drives account warning banners, reserve thresholds, account standing and eligibility for features such as the Shop app — so the number you watch for exit is the one behind your account standing too.
Shopify notifies you when you're enrolled, but no Shopify help page we read on September 23, 2026 — on NDRPs, chargeback monitoring or reserves — describes a notice when you exit. Check your current chargeback monitoring status under Settings > Payments > Chargeback monitoring.
How long does exit take after a run of disputes?
The rule reads "the last 90 days", so every dispute stays in the rate until it falls outside that window.
For example, say one bad week of disputes pushed your rate over and your Shopify Payments order volume stays the same. If those disputes alone keep the rate at or above 1.00%, it won't drop below until that week is more than 90 days behind you — call that day 91. The 30-day count starts there, so day 120 is the earliest the rule can be met: about four months after the bad week, and only if no new disputes lift the rate back over in between.
The rule asks for 30 consecutive days, so a single day back at or above 1.00% breaks the run and the count starts again.
What lowers the rate while you wait?
Contesting doesn't move it. The rate is based on the number of disputes filed, not the outcomes, so a dispute you win stays in — the work is preventing disputes, not winning them. Each one prevented also saves the fee Shopify charges for every dispute the program resolves.
Shopify's chargeback monitoring page suggests starting from patterns in your recent dispute reasons, and its guide to preventing chargebacks pairs the common reasons with fixes:
- Product not received: ship as soon as you can after collecting payment, give the customer tracking from the shipping company, and tell them when a shipment is delayed.
- Fraudulent or unrecognized: set your billing statement text to your store's name or domain so customers recognize the charge, and send a receipt on payment.
- Subscription canceled: cancel right away when a customer asks, confirm the cancellation, and make clear on your sign-up page that the charge recurs and that you send a reminder before each charge.
What happens to the 10% reserve when you exit?
For stores enrolled because of a high chargeback rate, a 10% reserve applies to Shopify Payments payouts; it "can be lifted early if you exit the program." Its terms arrive by email.
No Shopify help page we read on September 23, 2026 — on NDRPs, chargeback monitoring or reserves — gives a number of days between exit and release.
If your 90-day chargeback rate remains above 1% after the initial reserve expiration date, additional consequences may apply, including further reserves or payout holds.
For how reserve expiry works in general, see what happens when a Shopify Payments reserve reaches its expiration date.
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