Shopify Payments Rejected

I’ve been working in my spare time to launch a new e-commerce website. My GPU rigs that mine Ethereum have been selling on eBay and I figured it was time to branch out and open up a couple more sales channels.

I bought the domain, and looked for an easy to setup e-commerce solution. I somehow managed to settle on Shopify, after some conversations with a friend of mine that runs a guitar builders online store on Shopify.

I signed up, opted for the $30 a month plan, and spent more than a few hours getting used to their interface, layouts, theme customization, product creation, collections, and the usual stuff you would do to set up your online business. After a couple weeks, I revised my eBay listings to reflect the new domain and branding. Things were looking good, SEO was taking effect and I was generating organic search results from Google.

A couple of days ago, I received an inquiry on eBay from a customer that wanted to purchase a rig where he worked, his employer did not want to go through ebay so he pointed out shipping problem with my Shopify cart. I fixed the calculation error and signed up for a better processing plan with a rate of 2.6% + $0.30 for each transaction, ┬áplan costs….$79 per month. Shopify billed me and collected their fees. Two days ago, I logged my first sale. A rig sale for $2495.00 + $99 shipping. Sweet.

Not so fast cowboy, it seems that the instant merchant account is not really instant after all. I got this email today.



Thanks for signing up with Shopify Payments.

I’m afraid that after reviewing your information and website we believe your business presents a level of risk for customer disputes that we will be unable to support with Shopify Payments.

We will transfer your existing payments to you, but will be unable to accept any additional payments on your behalf from Shopify Payments. I’m sorry we won’t be able to help with your business, and if you have any questions, please let us know.

In the meantime, you can simply switch to one of our other payment gateways. Your Shopify account will remain active even though we can’t set you up with Shopify Payments.


Risk Operations // Shopify

Really? I fired off an email to see what was up, basically asking if there was something missing, or a policy that needed updating or inclusion. Their response? “Unfortunately, your product base and order patterns present a level of risk that our banking partners are not willing to support.”

Order patterns? WTH is that? I had one order, how can that form a pattern?

So, I cannot accept payments to using Shopify payments, even though I paid their inflated fees, have been processing payments with Paypal for five years, and for three years. They cannot get behind me selling high end mining rigs. Let’s just say I was dumbfounded, Had I known this from the start, I never would have set it up. I would have stuck with WordPress and WooCommerce and my trusty Payment processors that I have been with for years. I can still use shopify with a third party billing solution like Paypal, but whats the point? They are going to whack me another 1-2% on top of Paypal fees. Why would I need Shopify? I can host a site myself, and since I only sell a handful of products, setting up another store is only a few more hours work. Good bye, Shopify.

Hopefully this post will save someone else the heartache and time I wasted on Shopify