Shopify tracks two chargeback rates. The standard chargeback rate excludes disputes resolved through Rapid Dispute Resolution (RDR). The chargeback rate including RDR counts every dispute your customers file, whether or not RDR refunded it. Since January 28, 2026, the rate shown in your Shopify Payments settings includes RDR-resolved disputes, and Shopify uses that rate for account monitoring.

This article applies to merchants using Shopify Payments. It does not cover Stripe or other processors, and it does not cover how to respond to individual chargebacks.

The standard chargeback rate is the percentage of your transactions that became formal chargebacks. A dispute that RDR refunded before it became a chargeback is left out.

The chargeback rate including RDR adds those RDR-refunded disputes back in. It measures how many disputes your customers filed in total.

Winning or refunding a dispute does not remove it from this number, because the count is based on disputes filed rather than their outcomes.

Visa and Mastercard monitoring programs do not read the rate in your Shopify admin. They calculate their own ratios from network records.

Under the Visa Acquirer Monitoring Program (VAMP), a non-fraud dispute that RDR resolves is excluded from the VAMP ratio, because the refund stops the dispute from becoming a chargeback record.

RDR still protects you at the network level for these disputes.

Fraud-coded disputes are the exception. The issuer files a fraud report (TC40) whether or not RDR refunds the transaction, and that report counts toward Visa's fraud monitoring. RDR cannot remove fraud reports.

Shopify's Help Center states that the displayed rate, which includes RDR-resolved disputes, determines Shopify Payments account monitoring: warning banners, reserve thresholds, account standing, and eligibility for features such as the Shop app.

You can read Shopify's documentation in Understanding your chargeback rate.

A high RDR-inclusive rate puts your account at risk of these actions even when your standard rate is low. Possible actions include a reserve on your payouts or enrollment in a network dispute resolution program.

Shopify releases these actions once your 90-day chargeback rate falls below 1.00% and stays there for 30 days, and the rate Shopify checks includes RDR-resolved disputes.

RDR does not lower the rate Shopify monitors. It protects you in other ways.

When a dispute becomes a formal chargeback, Shopify withdraws the disputed amount immediately and charges a fee, such as $15 USD or £10 GBP depending on your country. RDR resolves the dispute before the chargeback is filed, so no fee applies.

RDR also removes the representment workload. A formal chargeback gives you 7 to 21 days to gather evidence, and the bank can rule against you even with strong evidence. RDR closes the dispute automatically.

At the network level, RDR keeps non-fraud disputes out of your Visa VAMP ratio, which is the ratio Visa uses for fines and enforcement.

Shopify counts every dispute filed, so the rate only comes down when customers file fewer disputes. Refunds issued after a dispute is filed, through RDR or manually, do not reduce it.

Ethoca and CDRN alerts operate earlier than RDR. They notify you when a customer first contacts their bank, before a formal dispute is filed. A case refunded in time does not create a dispute record in Shopify, so it stays out of both chargeback rates.

Ethoca covers Mastercard and part of the Visa network, and for many stores Ethoca alone is enough at this stage.

CDRN can complement Ethoca by adding coverage from Visa issuers that Ethoca does not reach.

A few things to know before adding CDRN:

Alerts aside, the largest reductions come from fixing why customers dispute in the first place: a billing descriptor customers recognize, proactive shipping updates, visible refund and cancellation policies, and fast replies when customers reach out.

Before Shopify documented this in its Help Center, our support team told merchants that the RDR-inclusive rate was for reporting only and that Shopify excluded RDR-resolved disputes when evaluating account risk.

That guidance came from statements Shopify support gave us at the time, and we also advised merchants to escalate with Shopify if a warning cited the RDR-inclusive rate.

Shopify's Help Center now states that the RDR-inclusive rate is the rate used for account monitoring. Our earlier guidance no longer matches Shopify's documented policy, and this article replaces it.

If you received a warning or reserve notice citing your chargeback rate including RDR, that is the number Shopify is acting on.

Focus on bringing the RDR-inclusive rate below 1.00%, and contact our support team if you want help reviewing where your disputes come from.

The standard rate remains useful for seeing how many disputes became formal chargebacks:

The report now shows your rate excluding RDR-resolved disputes. Keep in mind this filtered view is not the rate Shopify checks for account monitoring.

If the Is rapid dispute resolution filter does not appear, confirm you opened the Chargeback rate report and selected the Freeform tab. If it still does not appear, contact our support team.