Shopify chargebacks are an operations problem. The $15 fee is the visible cost. The $195.20 real cost per dispute is what damages margins. The 1.5% Visa VAMP threshold and Mastercard's July 2026 scam monitoring program are what can end your ability to process payments altogether.

Start where the impact is highest: update your billing descriptor, activate Shopify Protect, configure tracking notifications at every fulfillment stage, and display your policies at checkout confirmation.

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