Shopify Payments hands you the dispute but not the win. Shopify Protect only covers eligible Shop Pay fraud cases — digital goods, international orders, and non-fraud claims (13.1, 13.2, 13.5) are all excluded, and those are precisely the disputes where good evidence wins 60–90% of the time. Aurai fills that gap: connects to Shopify in two minutes, builds reason-code-specific evidence, submits before the deadline, and screens incoming orders for fraud before they turn into chargebacks. 25% only on wins.
The Shopify Protect gap
Shopify Protect is genuinely useful — it covers eligible Shop Pay orders for fraud and "unrecognized" chargebacks. But its scope is narrow:
| Dispute type | Shopify Protect | Aurai |
|---|---|---|
| Fraud on eligible Shop Pay orders (US, physical, tracked) | Covered | Skipped (Protect handles it) |
| Fraud on non-Shop-Pay Shopify Payments orders | Not covered | Fought with evidence + CE 3.0 when qualifying |
| Non-fraud disputes (13.1, 13.2, 13.5 — the majority) | Not covered | Fought with reason-code-specific evidence |
| Digital goods disputes | Not covered | Fought with access proof + device fingerprint |
| International orders | Not covered | Fought with same evidence stack + cross-border adjustments |
| PayPal / Klarna orders on your Shopify store | N/A (different provider) | Fought via direct PayPal / Klarna integration |
The industry data is clear: non-fraud disputes are 60–70% of all ecommerce chargeback volumeper the MRC Global Fraud Survey. If Shopify Protect is your only line of defense, you're leaving the majority of your winnable disputes on the table.
What Aurai covers for Shopify merchants
Shopify Payments disputes end-to-end
Aurai detects every Shopify Payments dispute, builds evidence, and submits inside the admin's 7–21 day window — automatically.
Reason-code-aware evidence
13.1 gets carrier tracking + POD images. 13.2 gets product photos + policy. 10.4 gets IP + device + CE 3.0. Different playbook per reason.
Shopify Protect coordination
When Shopify Protect covers a case, Aurai stands down to avoid duplicate work. When it doesn't, Aurai takes over.
Aurai Prevent (fraud screening)
Scores incoming Shopify orders for fraud risk and flags the high-risk ones before fulfillment — reducing chargeback volume upstream.
Compelling Evidence 3.0
Checks every dispute against Visa CE 3.0 qualification (2 prior undisputed transactions + matching IP/device/address) and includes it when it qualifies.
Ethoca & Verifi alerts
Optional pre-dispute alerts let you refund an incoming dispute before it becomes a chargeback — cheaper than losing the $15 fee.
Setup — about two minutes
No code, no developer, no data migration.
Install Aurai
From the Aurai signup page, click "Connect Shopify" and authorize your store in the standard Shopify OAuth flow.
Aurai backfills & goes live
Aurai pulls your recent order history to build CE 3.0 baselines, then starts detecting new disputes in real time.
Track ROI
See recovered revenue, win rate by reason code, and Aurai's success fee — all in one dashboard.
The Shopify-specific playbook
Shopify Payments disputes have a few quirks that generic chargeback automation misses:
- 7–21 day admin window.Shopify Payments compresses the network's 30-day deadline. If you rely on manual response, you'll miss deadlines during high-volume weeks. Aurai submits within 48 hours of detection.
- Shop Pay + Shopify Protect signals. Aurai reads the Protect coverage flag from the dispute object and skips covered cases — no wasted evidence work, no duplicate submissions.
- Order metadata.Aurai pulls Shopify's order-level metadata (tags, notes, customer history) directly, so evidence includes VIP/repeat-customer context automatically.
- Fulfillment integrations. If you use ShipStation, ShipBob, or a 3PL that syncs to Shopify, Aurai reads the tracking status from the Shopify order — no extra integration needed.
- Multi-payment-provider stores. If Klarna or PayPal share your store, those disputes route through their own provider process. Aurai connects to each directly, so you get one dashboard across all three.
Pricing
25% of disputes Aurai wins for you. No monthly fee, no setup fee, no per-dispute charge.Shopify's own $15 chargeback fee (refundable if you win) is set by Shopify and separate from Aurai's pricing.
Concrete example: a Shopify merchant with 25 disputes/month at $120 AOV. Aurai wins ~78% of them (Shopify book average). That's ~19 disputes × $120 = $2,340/mo recovered + $285 in refunded Shopify fees = ~$2,625/mo. Aurai's 25% fee: ~$656/mo. Net keep: ~$1,970/mo. That's ~$23,600/year that would otherwise have stayed lost.
Frequently asked questions
How is Aurai different for Shopify merchants vs. Stripe-only merchants?
Shopify merchants have a specific dispute workflow (Shopify admin, Shopify Protect coverage, multi-provider stores). Aurai handles all of that automatically — Shopify Protect coordination, admin-window compression, multi-provider disputes in one dashboard.
What does Shopify Protect not cover?
Digital goods, international orders, non-fraud disputes (13.1, 13.2, 13.5), and non-Shop-Pay Shopify Payments orders. Non-fraud is 60–70% of chargeback volume — Aurai fights all of it.
Will Aurai affect my Shopify Payments standing?
Only positively. Winning more disputes doesn't lower your chargeback rate (rate is counted at filing, not outcome), but recovered revenue reduces the financial impact, and Aurai Prevent reduces upstream volume.
Does Aurai work with Shop Pay?
Yes. Shop Pay orders route through Shopify Payments. When Shopify Protect covers a case, Aurai stands down; when it doesn't, Aurai takes over.
What if my store uses both Shopify Payments and PayPal?
Aurai connects to both processors and handles both from one dashboard — no context-switching between admin panels.
How long does setup take?
About two minutes. OAuth into Shopify, Aurai backfills recent orders for CE 3.0 baselines, and it's live.
What does Aurai cost?
25% of disputes Aurai wins. No monthly fee, no setup fee. Shopify's $15 fee is separate.
Shopify, Shopify Payments, Shop Pay, and Shopify Protect are trademarks of Shopify Inc. Aurai is independent and not endorsed by or affiliated with Shopify. Platform details and fees reflect publicly available information as of July 2026 and may change; check Shopify's official documentation for current specifics.