- 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.
- 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.
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.
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.
This article was written entirely by AI under human editorial direction. The editor sets the topic and structure, runs multi-stage validation on facts, links, and interactive elements, and verifies the output is useful from a business perspective. All claims are checked against official Shopify sources. Details may change — always confirm critical data at shopify.com.
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