Most merchants find out their Shopify Payments account is suspended after it happens. PayGuard shows you your exact chargeback rate every day — and alerts you before Shopify acts.
Free plan available · No credit card required · 7-day trial on paid plans
ACTIVE MONITORING
Traditional gateways update you when it's already too late.
The moment your rate crosses the threshold, Shopify Payments freezes your payouts. No warning. No grace period. A $30K/month store can lose $15,000 in cash flow overnight.
Shopify shows you "At Risk" — not your actual number. Not your trend. Not how close you are to the threshold. By the time you see it, it may already be too late to act.
Getting reinstated means submitting evidence, waiting for review, and resolving disputes manually. Meanwhile your store runs on a different processor with higher fees and lower trust.
One-click installation from the Shopify App Store. No code changes required to your theme or checkout.
We calculate your exact chargeback rate — the same number Shopify uses to evaluate your account. See where you stand in seconds.
Get an email alert the moment your rate crosses your warning threshold — with enough time to investigate and act.
ACTIVE MONITORING
Shopify shows you "At Risk." PayGuard shows you 0.41% — exactly how far you are from the Visa VAMP threshold (0.65%) and the Mastercard ECP threshold (1.5%). Check in anytime. Or just wait for the weekly email.
30-DAY TREND
↑ Rate increasing this week
Chargebacks don't spike overnight. They creep up over weeks. PayGuard's 30-day trend chart shows you the direction of travel before you cross into dangerous territory. If your rate is climbing, you'll know — with time to act.
FROM: PayGuard Alerts <alerts@payguard.io>
SUBJECT: PayGuard Alert: Your chargeback rate reached 0.51%
Your rate is 0.51% — above your warning threshold.
You are 0.14% below the Visa VAMP limit of 0.65%. Log in to review your trend.
Configure your own warning threshold. Get an email the moment your rate starts climbing toward it — before you cross it, not after. And every Monday, a plain-English summary of the past week.
DISPUTE BREAKDOWN
Every disputed order in one table. Reason codes, amounts, statuses. Spot patterns: Is one product causing most disputes? One country? One sales channel? Fix the source, not just the symptom.
Insurance for your payouts, priced for your growth.
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Know before Shopify does
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Full visibility, full control
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A store doing $20K/month loses $10,000 in a payout freeze. PayGuard costs $228/year. The math isn't hard.
No — and we won't pretend otherwise. PayGuard monitors your rate and alerts you early so you have time to investigate and act. Think of it as a smoke detector, not a firewall. What you do with the information is up to you.
Yes. On the Monitor and Protect plans you can set custom warning and danger thresholds. The defaults are 0.3% for warning and 0.5% for danger — well below the Visa and Mastercard limits — but you can adjust them to any level you want.
No. PayGuard requires Shopify Payments as your active payment processor. If you use a third-party processor like Stripe or PayPal, we won't have access to your dispute data. When you install, we check automatically and let you know immediately.
Zero impact. PayGuard runs entirely on the backend. No scripts are loaded on your customer-facing storefront. Your store speed is completely unaffected.
Yes. Cancel directly from your Shopify billing settings. No emails to send, no calls to make. Billing stops at the end of your current period.