Is your store trending toward a suspension or a payout freeze?
Shopify can hold your payouts for 120 days or close your store with little warning. Payout Guard scores your account-health risk — chargeback trajectory vs the 1% line, refund spikes, and prohibited-product red flags — and shows you exactly what to fix, before it happens.
Launching on the Shopify App Store. Free plan available — Pro from $29/mo with a 7-day trial. Read-only access; we never touch your customer data.
Shopify shows you a number. It doesn't warn you.
Your chargeback rate sits in an analytics report — but nothing tells you you're trending toward the 1% suspension line, that a newly-restricted product is now a red flag, or that a refund spike could trigger a reserve. Payout Guard turns those silent signals into a health score you can act on.
One account-health score
A single 0–100 score across the signals Shopify actually watches — chargebacks, refunds, catalog compliance, and store-policy completeness — so you know where you stand at a glance.
Chargeback early-warning
We track your dispute rate against the ~1% Shopify line and Visa's 1.5% VAMP threshold, project when you'd cross it at the current trend, and flag the trap that disputes count even when you win them.
Prohibited-product scan
We scan your catalog against Shopify's Acceptable Use Policy and the restricted lists it can change without notice — supplements with health claims, vape, weapons, counterfeit wording — and tell you what to change.
Fixes & appeal help
Every risk comes with prioritized, specific remediation steps. Already flagged? Payout Guard helps you assemble an appeal packet that names the likely cause and your corrective actions.
From blind spot to early warning, in three steps
Everything runs inside Shopify. One click to install, read-only access, no developer needed.
Connect
Install Payout Guard. It reads your products and Shopify Payments dispute and refund totals — read-only, and never your customers' personal data.
Score
We compute your account-health score, plot your chargeback trajectory against the danger lines, and surface every red flag in your catalog and policies.
Fix & track
Work the prioritized fix list, then watch your score recover over time — with Pro, get alerted before any signal approaches a dangerous threshold.
What we monitor — and what we can't
We're honest about the limits. Payout Guard is an early-warning layer built on what Shopify's API actually exposes — not a guarantee against every cause of suspension.
What we monitor
- Chargeback rate vs Shopify's ~1% line and Visa VAMP 1.5%Source: Shopify Payments disputes + balance transactions
- Refund-rate spikesSource: Shopify Payments balance transactions — no customer data
- Prohibited / approval-required products & risky claimsSource: Products API, checked against Shopify's AUP
- Store-policy completeness (refund, privacy, shipping, terms)Source: store policy settings
- Sales-volume spikes & new-store reserve triggersSource: transaction velocity
What we can't monitor
- Shopify's internal risk scorePrivate — not accessible to any app
- The exact payout-hold / reserve statusNot exposed in the API — we infer risk from leading signals
- Business-verification requestsVisible only in your email, not the API
- Copyright / trademark complaintsShopify doesn't expose these via API
Simple pricing
- On-demand health checks
- Account-health score + risk breakdown
- Prohibited-product (AUP) scan
- Chargeback rate vs the suspension line
- Everything in Free
- Continuous monitoring + trend history
- Chargeback time-to-threshold forecast
- Full remediation steps + appeal-packet help
- 7-day free trial
Protect your payouts before they're frozen
Install Payout Guard and see your account-health risk the way Shopify does.
Get Payout Guard on Shopify