Furniture chargebacks: how UK Shopify stores handle damage, size and bulky delivery disputes

The sofa arrives on a Saturday. Two men carry it to the front step, the buyer is out, a neighbour signs, and the driver leaves. On Monday the buyer finds a torn corner on the back panel and a fortnight later their bank writes to say the item was "not as described". Your proof of delivery is a signature from someone you have never heard of, on a handheld screen, with no note about the damage.

Furniture chargebacks are card disputes over sofas, beds, wardrobes, tables and other bulky items sold online, usually because the cardholder says the item arrived damaged, was the wrong size or colour, did not fit through the door, arrived late or incomplete, or could not be returned and refunded. This guide shows UK Shopify merchants how to prevent furniture chargebacks, set up bulky delivery so you can prove condition on arrival, handle returns and collections and respond to each reason on the notice, with templates, worked sums and a day-by-day plan.

Last updated: 9 October 2026. Written by the ChargeFix team.

The 30-second answer (TL;DR)

• Furniture chargebacks cost more than most disputes because the goods are big, the order value is high and returning an item means arranging a collection. Preventing the dispute is cheaper than winning it.
• Most furniture chargebacks come from five places: damage on delivery, dimensions or colour that were not as expected, missing parts, late delivery and a return or refund that stalled. Each needs different evidence, so read the reason on the notice first.
• Prove condition on arrival. Ask the carrier to unwrap and check at the door where the service allows, record a note of any damage on the proof of delivery and photograph the item on the day. Carrier services for bulky items differ and were not covered in the sources we reviewed.
• To prevent furniture chargebacks, make the buyer's decision easier with exact dimensions, stairs and entrance advice, colour samples and a delivery-day checklist.
• UK rules give most distance buyers 14 days to cancel, and a refund within 14 days of you getting the goods back or evidence of return. The buyer pays return costs only if told beforehand. The information required for bulky goods that cannot be returned by post was not verified in the extracts we reviewed, so ask an adviser.
• Shopify gives you 7 to 21 days to respond, and the card review can take up to 75 days after you submit. Winning does not remove a dispute from your chargeback rate.
• General information, not legal advice. Where the sources we reviewed do not cover something, the post says so.

From dispute to decision

Stage	What happens	What you do	What you keep
Product page	Buyer reads size, colour and delivery terms	Give exact dimensions, colour samples and delivery advice	Dated page capture
Order	Buyer pays and picks a delivery option	Confirm the address, access details and contact number	Order data, access notes
Booking	Carrier and buyer agree a delivery window	Send a booking confirmation with the window	Booking emails
Delivery	Item arrives or does not	Photograph, check at the door, record any damage	Proof of delivery, delivery photos
Complaint	Buyer reports damage, fit or missing parts	Reply the same day, ask for photos	Messages, photos
Return or collection	Item goes back	Arrange collection, record the date	Collection booking, inspection photos
Dispute notice	Bank or Shopify tells you	Note the reason and due date	The notice
Response	You submit evidence	Answer the stated reason, strongest first	Dated copy of the response

What causes furniture chargebacks?

Furniture chargebacks come from damage in transit, dimension and colour mismatches, missing parts, late or failed delivery, difficult returns and ordinary fraud. Because the goods are heavy and expensive, a single lost case can cost hundreds or thousands of pounds, so each cause deserves its own control.

Furniture is unlike most online goods, and furniture chargebacks reflect that. It is large, it needs two people to deliver, it may need assembly and it cannot go back in a jiffy bag.

Cause	What the buyer says	What it looks like on the notice
Damage	"It arrived damaged"	Defective, or not as described
Size	"It is bigger or smaller than I expected"	Not as described
Colour or fabric	"It does not match the photos"	Not as described
Missing parts	"Screws or panels were missing"	Not as described, or incomplete
Late	"It came weeks after the date"	Item not received, or not as described
Failed delivery	"Nobody came"	Item not received
Return	"You will not collect it or refund me"	Credit not processed
Fraud	"I did not place this order"	Fraud

The general process is in our Shopify chargebacks UK guide. This post covers what is specific to bulky goods.

A word on tone. A buyer with a damaged sofa in the living room is stressed, and furniture chargebacks often follow. They have rearranged their home and may be waiting in for a replacement. Treat the first contact as customer service, and do not argue about fault before you have apologised for the disruption.

How do you prevent furniture chargebacks with exact dimensions, swatches and a doorway guide?

Give exact dimensions in centimetres, including packaging and the narrowest point, add doorway and stairs advice, offer colour samples and show photos in more than one light. Clear information stops most "wrong size" and "wrong colour" claims, and gives you a dated record of what you promised.

Prevention is the cheapest part of managing furniture chargebacks, and bulky delivery disputes ease when the page is exact. With furniture, the buyer cannot try the item, so the page and the sample do the work.

Page element	What to include	Why it helps
Dimensions	Height, width, depth, seat height, weight, in centimetres	Avoids "bigger than expected" claims
Packaging size	The size of the boxed or wrapped item	Helps buyers check entrances and stairs
Doorway advice	A short guide to measuring doors, hallways and stairs	Reduces "would not fit" returns
Colour and fabric	Swatch offer, photos in daylight, a note that screens differ	Reduces colour disputes
Assembly	Whether assembly is needed, how long, tools, one or two people	Avoids "I did not expect to build it"
Delivery details	Carrier type, room of choice or kerbside, window, what to expect	Sets the delivery experience
Returns	Link to your policy, including collection	Shows the terms

Use this checklist when you publish or update a furniture product:

• Are the dimensions given in centimetres, with the weight?
• Is the packaging size shown?
• Is there an access measuring guide?
• Can the buyer order a swatch before buying?
• Are the photos shot in daylight, with a colour note?
• Does the page say whether assembly is needed and how long it takes?
• Does the page say how delivery works, including room of choice or kerbside?
• Does the page link to the returns policy, including collection?
• Have I saved a dated capture of the page?

The dated capture matters. Pages change and products change. If a buyer says the page promised something, a dated capture of the page as it was on the order date settles it in seconds.

Colour samples are cheap and powerful. A £2.00 swatch posted before the order costs far less than a £900.00 sofa returned because the grey was "too blue". A buyer who ordered a swatch and then bought the sofa cannot easily say the colour was not as described. Keep the swatch order in the record.

What should a bulky delivery window look like?

Tell the buyer exactly what happens: who delivers, how many people, whether they take it inside, whether they unwrap it, how the window works and what the buyer must do. Agree a delivery window, confirm it by email and ask for access details. Clear delivery terms prevent most late and failed-delivery disputes.

Bulky delivery has more moving parts than a parcel, and bulky delivery disputes grow from them. Each one is a place for a misunderstanding.

Delivery element	What to decide	What to tell the buyer
Service level	Kerbside, threshold, room of choice	What the crew will and will not carry
Crew	One or two people	Whether the buyer needs to help
Window	A day, a time band	The window and how you confirm it
Access	Stairs, lifts, parking, narrow doors	The details you need before booking
Waiting in	Someone over 18 present	Who must be present, and the consequence of no one being in
Unwrapping	Whether the crew unwrap and check	What the buyer should check before signing
Packaging	Whether the crew take it away	What happens to packaging
Failed delivery	Re-delivery, storage, charges	Costs and how to rebook

Carrier services for bulky and pallet deliveries differ, and their proof-of-delivery options were not covered in the sources we reviewed. We have not verified DPD's proof options for large items. Ask your carrier what it records: a signature, a photo, a note of condition and the time.

Dates matter, and the delivery window is the promise the buyer remembers. Suppose a buyer orders on Friday 9 October 2026 and you promise delivery in a window on Saturday 17 October 2026. Confirm the window by email a few days before, and again the day before. If the carrier rebooks, tell the buyer the same day. A buyer who is told promptly is a customer. A buyer who is not told is a disputant.

Here is a booking confirmation you can adapt:

Hi [FIRST NAME],

Your delivery window is set. Your [ITEM] is booked for delivery on [DATE], between [TIME] and [TIME], by [CARRIER].

Please make sure someone aged 18 or over is in. The crew of [NUMBER] will carry it to [KERBSIDE / THRESHOLD / ROOM OF CHOICE]. [They will unwrap it so you can check it before signing. / Please unwrap it and check it before signing.]

Please check that the entrances, stairs and parking are clear. If the access has changed, tell us by [DATE] on [PHONE / EMAIL].

You can call the delivery team on [PHONE] on the day.

[YOUR NAME]
[STORE NAME]

Notice the instruction to check before signing. It is the most useful sentence in the message, and we return to it below.

How do you prove condition on delivery for furniture chargebacks with dispatch photos and a condition note?

Ask the crew to unwrap and check at the door where the service allows, record any damage on the proof of delivery and photograph the item and packaging at once. Tell the buyer to note any damage before signing. A dated note and photo from the day are your best evidence in damage disputes.

Damage is the commonest cause of furniture chargebacks and bulky delivery disputes. The difficulty is the gap between delivery and discovery. A buyer who signs "unchecked" and finds damage two days later is in a weak position with the carrier, and you are in a weak position with the bank.

Under UK rules, risk passes to the buyer on delivery. That is general information. Who carries the risk for damage found after delivery, and how a signature "unchecked" affects a claim, were not covered in the sources we reviewed, so ask an adviser. In practice, the quality of your evidence on the day decides most cases.

Moment	What to record	Why it matters
Before dispatch	Photos of the item and packaging	Shows condition when it left you
At the door	Driver's photo, note of condition, buyer's signature	Shows condition on arrival
Within 24 hours	The buyer's photos of any damage	Starts the claim while it is fresh
On report	Your reply, the carrier claim reference	Shows you acted quickly

Use this checklist for every furniture dispatch:

• Photograph the item before it is wrapped, front, back and any fragile corners.
• Photograph the wrapped and labelled item on the pallet or in the van.
• Record the carrier, service level and window.
• Ask the crew to unwrap and check at the door where the service allows.
• Ask the buyer to note any damage before signing.
• Save the proof of delivery, including the name of the signer.
• Email the buyer after delivery asking them to report any problem within [NUMBER] days.

That last line is worth adding. A clear reporting window, such as "tell us within 48 hours of delivery if anything is damaged", helps you act fast. Whether such a window is binding on the buyer was not verified, so word it as a request, not a condition, and ask an adviser before you rely on it.

Here is a reply template for a damage report:

Hi [FIRST NAME],

I am so sorry your [ITEM] arrived damaged. Thank you for telling us.

To sort it quickly, please send photos of the damage, the packaging and the label, and tell me the date and time it arrived. I will start a claim with the carrier straight away.

Once I have the photos, I will offer you one of the following within [NUMBER] working days: a replacement [PART / ITEM], a repair, a partial refund or a collection and full refund. Which would you prefer?

[YOUR NAME]
[STORE NAME]

The remedies for faulty or damaged goods were not covered in the sources we reviewed. Do not tell a buyer that a carrier's terms are their only route.

What about missing parts and assembly problems?

Check parts before dispatch, include a parts list in the box, send missing parts fast and record the shipment. A missing screw is a small issue that becomes a dispute if the reply takes two weeks. Photograph the contents and the parts list at packing.

Flat-pack furniture is full of small parts, and missing parts feed furniture chargebacks. A missing bag of fittings makes a £400.00 wardrobe unusable.

1. Pack with a parts checklist, and photograph the box contents before sealing.
2. Include a parts list and a contact number in the box.
3. When a buyer reports a missing part, ask for a photo of the contents and the part number.
4. Send the part by tracked post the same day, and email the tracking number.
5. If the part cannot be sent quickly, offer a fair route, such as a partial refund.
6. Keep the messages, the photo and the tracking number.

A prompt reply nearly always prevents furniture chargebacks here, and slow replies create them. A buyer who receives a missing part within three days is rarely upset. A buyer who waits for weeks is.

Assembly instructions matter too in furniture chargebacks. Unclear instructions lead to "defective" claims that are really assembly errors. Test your instructions with someone who has not seen the product, and include a link to a short video. We did not review any rules on assembly services, so state clearly whether you offer one and what it covers.

How do returns and collections work for bulky goods?

State before the order how returns work: how long the buyer has, how a collection is booked, who pays and how fast the refund follows. UK rules give most distance buyers 14 days to cancel, and a refund within 14 days of you getting the goods back or evidence of return. The buyer pays return costs only if told beforehand.

Returns of bulky goods are expensive, and furniture chargebacks about returns are common, and the cost is where the argument starts. A buyer who learns at the point of return that a collection costs £90.00 will feel misled. State the cost before the order.

Return element	What UK rules say	What to write
Cancellation window	14 days under the Consumer Contracts Regulations 2013	At least 14 days from receipt, stated plainly
Refund timing	Within 14 days of getting the goods back or evidence of return	A shorter promise, for example 5 working days from collection
Return costs	The buyer pays only if told beforehand	State the collection cost before the order
Bulky goods that cannot go by post	Information requirements were not verified in the extracts we reviewed	Ask an adviser what you must say
Condition	The buyer must take reasonable care	Say what a reasonable try-out looks like
Risk	Passes to the buyer on delivery	Not covered for returns in transit in the sources we reviewed

A collection also needs a record, because furniture chargebacks over returns turn on dates. Photograph the item when the carrier collects it, note the date and time and keep the booking reference. If the buyer disputes, you want to show the item was collected and when.

The 14-day refund clock runs from the return or evidence of return. A collection on Monday 19 October 2026 gives a latest refund date of Monday 2 November 2026 under the 14-day rule. A refund that waits for the item to reach your warehouse, then waits for inspection, can drift past that date. Plan the process so refunds happen quickly, and tell the buyer the date.

Here is a collection-and-refund message you can adapt:

Hi [FIRST NAME],

Your collection is booked for [DATE] between [TIME] and [TIME]. Please have the [ITEM] ready at [LOCATION], wrapped in its original packaging if you have it.

As agreed, the collection cost is £[AMOUNT] [and will be taken from your refund / paid by us]. Once the carrier collects it, I will refund £[AMOUNT] to the card you paid with within [NUMBER] working days, and email you the date.

[YOUR NAME]
[STORE NAME]

If the item comes back used, marked or damaged, see our post on used or worn goods returns, which covers how to explain a deduction. We did not review the exact rule on reduced value after handling, so ask an adviser before you deduct.

What if the furniture is made to order?

Made-to-order furniture adds lead time, approval and cancellation questions. Record the specification, show a proof or fabric choice, state the lead time and log when production starts. Do not assume made-to-order items cannot be returned. The exceptions were not verified in the extracts we reviewed.

Furniture chargebacks also arise where stores sell sofas and tables made to the buyer's choice of fabric, size or finish. That brings the same issues as other personalised goods: what exactly was ordered, what was approved and when production started. Our guide to personalised goods chargebacks covers the form, proof, lead time and production record in detail.

Three points are specific to furniture:

1. Fabric and finish choices should be confirmed in writing, with the sample code, because a "grey" is not a grey.
2. Lead times for furniture can be many weeks. Confirm the estimate on the order date and update it if it slips.
3. State the cancellation position before the order and ask an adviser to check it.

What evidence answers each reason in furniture chargebacks?

Match the pack to the reason in furniture chargebacks. Damage needs dispatch photos, the proof of delivery with any note and the buyer's photos. Size and colour need the dated page and the sample record. Late or not received needs the booking emails and the delivery record. Credit not processed needs the collection and refund record.

Shopify's help centre says Shopify Payments auto-fills order, addresses, tracking, IP, refund records, order history and previous disputes on the response form. Screenshots are preferred, labelled, strongest first. The furniture-specific proof is yours to add.

Reason on the notice	Strongest evidence	Supporting evidence
Damaged or defective	Dispatch photos, proof of delivery with condition note, buyer's photos	Carrier claim reference, messages offering a remedy
Not as described (size)	Dated page with dimensions, order record	Doorway guide, messages
Not as described (colour)	Dated page, swatch order record	Photos, messages
Missing parts	Packing photo with parts list, tracking of the replacement part	Messages
Late or not received	Booking confirmation with window, proof of delivery	Carrier updates, messages about delays
Credit not processed	Collection record, refund confirmation with date and amount	Policy, messages
Fraud	3D Secure result, delivery to the verified address	AVS and IP details, order history

Here is a template summary for a damaged goods dispute on a furniture order:

Order [NUMBER], £[AMOUNT], placed [DATE], paid by [CARD TYPE].

Reason shown: product damaged.

The item was photographed before dispatch on [DATE], showing no damage (exhibit 1). It was delivered by [CARRIER] on [DATE] at [TIME] to the address on the order, and the proof of delivery shows [SIGNATURE FROM NAME] [AND THE NOTE: "..."] (exhibit 2).

The cardholder first reported damage on [DATE], [NUMBER] days after delivery (exhibit 3). We replied on [DATE] and offered [REPLACEMENT PART / REPAIR / PARTIAL REFUND / COLLECTION AND REFUND] (exhibit 4). [We opened a carrier claim on [DATE], reference [NUMBER] (exhibit 5).]

Keep claims in furniture chargebacks to what the exhibits show. If the damage is plain in the buyer's photos and your dispatch photos were clean, the honest answer is often to settle. A response that denies visible damage looks poor to a reviewer.

How much do furniture chargebacks cost? Two worked examples

Furniture chargebacks cost the lost sale, the £10 fee when you lose, the goods if they cannot be recovered and your time. Condition checks at delivery and clear dimensions cost far less. The examples below use invented numbers, so run them with your own.

Both examples are illustrations with invented numbers. The arithmetic is checked.

Example 1: a check at the door. A store sends 400 furniture orders a year at an average of £650.00. Without a check at the door, damage disputes run at 10 a year and 6 are lost. With a check and a condition note, they fall to 5 and 2 are lost. A lost case costs the £650.00 sale and the £10.00 fee. Each dispute takes 1.25 hours, valued at £25.00 an hour, which is £31.25. The carrier charges £4.00 a delivery for the unwrap-and-check service, an invented figure.

Item	Without check	With check
Disputes a year	10	5
Cases lost	6	2
Cost per lost case	£660.00	£660.00
Loss from lost cases	6 × £660.00 = £3,960.00	2 × £660.00 = £1,320.00
Time cost	10 × £31.25 = £312.50	5 × £31.25 = £156.25
Service cost	£0.00	400 × £4.00 = £1,600.00
Total a year	£4,272.50	£3,076.25

The check saves £1,196.25 a year on these invented numbers, a clear gain in furniture chargebacks. If the carrier fee were higher, the saving would shrink, so test it on your own figures.

Example 2: a doorway guide. A store sells sofas at £800.00. Eight a year are returned because they will not fit through a door. Each return costs a £90.00 collection plus a 20% loss on resale, which is £160.00, so £250.00. A doorway guide and checklist take four hours to write at £25.00 an hour and cut returns to three.

Item	Calculation	Result
Cost per return	£90.00 + (20% × £800.00) = £90.00 + £160.00	£250.00
Returns without the guide	8 × £250.00	£2,000.00
Returns with the guide	3 × £250.00	£750.00
Saving	£2,000.00 minus £750.00	£1,250.00
Cost of the guide	4 × £25.00	£100.00
Net first-year saving	£1,250.00 minus £100.00	£1,150.00

The guide pays back in the first year on these assumptions and cuts furniture chargebacks over the doorway. The figures are invented. Use your own return rate and resale loss.

Day-by-day plan: set up a furniture chargebacks routine in a week

You can have a sound routine for furniture chargebacks in a week, an hour or two a day. The plan covers the product page, delivery terms, the check at the door, missing parts and the return process.

Day	Task	Output
Day 1	Audit your best-selling product pages against the checklist	A list of gaps
Day 2	Add dimensions, packaging size, a doorway guide and colour samples	Updated pages
Day 3	Capture each page with a date and save it	A page archive
Day 4	Write the delivery terms, the booking message and the checklist	A delivery process
Day 5	Ask your carrier what it records on bulky deliveries, in writing	A service note
Day 6	Write the damage reply, the missing-parts reply and the collection message	Three templates
Day 7	Test the routine on an old order from start to finish	A tested routine

Our chargeback SOP for small teams shows how to give each step an owner and a backup. Add the pre-dispatch photos and the delivery checks to it, so they happen even when the usual person is away.

Quick rules for furniture chargebacks

Keep these near your desk. They sum up how to run furniture chargebacks and bulky delivery disputes with a short, repeatable routine.

1. Give exact dimensions, packaging size and access advice, and offer samples.
2. Photograph every item before it is wrapped, and save the images with the order.
3. Agree a delivery window, confirm it by email and tell the buyer immediately if it changes.
4. Ask the crew to unwrap and check at the door where the service allows, and ask the buyer to note damage before signing.
5. Reply to every damage and missing-part report within one working day.
6. State collection costs and return terms before the order.
7. Refund inside your promise and inside 14 days of receipt or evidence of return, and email the buyer the date and amount.
8. Log every dispute, including wins, because winning does not remove it from your chargeback rate.

If the notice says	First action
Damaged	Pull the dispatch photos and the proof of delivery
Not as described	Pull the dated page with dimensions or the sample record
Late or not received	Pull the booking emails and the delivery record
Credit not processed	Pull the collection and refund record
Fraud	Pull the 3D Secure result and the delivery proof

What's different for UK merchants

This section is general information, not legal advice.

• Cancellation: the Consumer Contracts Regulations 2013 give most distance buyers 14 days to cancel, with a refund due within 14 days of getting the goods back or evidence of return. The buyer pays return costs only if told beforehand, and risk passes to the buyer on delivery.
• Bulky goods that cannot be returned by post: the information you must give before the order was not verified in the extracts we reviewed. Ask an adviser.
• Damaged or faulty goods: remedies were not covered in the sources we reviewed. Ask an adviser.
• Furniture chargebacks: MoneyHelper describes chargeback as a voluntary card-scheme arrangement, usually claimed within 120 days.
• Section 75: for credit card purchases between £100 and £30,000, the card company is jointly liable with the merchant. UK Finance gives a six-year time limit, which matters for higher-priced furniture.
• Fees: on furniture chargebacks Shopify's UK fee for card chargebacks is £10, charged by your bank and returned if you win.
• Chargeback rate: winning does not remove a dispute from the rate. Visa's fraud threshold of $7,500 a month can lose the liability shift, and the Merchant Risk Council reports a VAMP threshold of 1.5% from 1 April 2026.
• Shopify Protect: it covers eligible US stores on Shop Pay orders and does not cover UK stores.
• Weekends and bank holidays: we did not verify how they affect due dates. Respond early.

Common mistakes in furniture chargebacks

1. Letting furniture chargebacks grow by giving rough dimensions, with no packaging size or doorway advice.
2. Skipping dispatch photos, so there is nothing to compare with the buyer's photos.
3. Accepting a signature from a neighbour with no condition note.
4. Promising a delivery date, not a window, and then missing it without telling the buyer.
5. Ignoring a missing-part report for days.
6. Revealing a collection charge only at the point of return.
7. Denying damage that the buyer's photos make plain.
8. Refunding without emailing the buyer the date and the amount.

FAQ

What are furniture chargebacks?

Furniture chargebacks are card disputes over sofas, beds, tables and other bulky goods, usually because the cardholder says the item arrived damaged, was the wrong size or colour, was incomplete, arrived late or could not be returned and refunded. Match your evidence to the reason on the notice.

How do I reduce furniture chargebacks?

Give exact dimensions and access advice, offer samples, photograph items before wrapping, agree a delivery window, ask the crew to unwrap and check at the door where possible and reply to damage reports within a day. State collection costs before the order and refund quickly.

What proof of delivery works for bulky items?

A signature with the signer's name, the time, a photo where the carrier takes one and a note of condition. Carrier proof options for pallet and two-person deliveries were not covered in the sources we reviewed, and we have not verified DPD's. Ask your carrier in writing what it records.

Who is responsible if furniture is damaged in transit?

Under UK rules risk passes to the buyer on delivery, but who carries the risk for damage found after delivery was not covered in the sources we reviewed. Ask an adviser. In practice, dispatch photos and a condition note from the day decide most disputes.

Can I charge for collecting a return?

You can if you told the buyer beforehand. UK rules say the buyer pays return costs only if told before the order. The information required for bulky goods that cannot be returned by post was not verified in the extracts we reviewed, so ask an adviser what you must say.

What evidence wins a not as described dispute on furniture?

A dated capture of the product page with dimensions, the order record, the sample record for colour, your access guide and your messages with the buyer. Answer the stated reason in the first lines and put the strongest exhibit first. Keep the account short and factual.

What if a buyer says a part is missing?

Ask for a photo of the contents and the part number, send the part by tracked post the same day and email the tracking number. Photograph the box contents and parts list at packing. A prompt reply stops most missing-part claims becoming disputes.

How long do I have to refund a furniture return?

Under the Consumer Contracts Regulations 2013, most distance buyers must be refunded within 14 days of you getting the goods back or evidence of return. Many stores promise sooner. A collection on Monday 19 October 2026 gives a latest refund date of Monday 2 November 2026.

Do furniture chargebacks count against my chargeback rate?

Yes. Winning does not remove a dispute from the rate, so every case counts even when you win it. The Merchant Risk Council reports a VAMP threshold of 1.5% from 1 April 2026, and Visa's fraud threshold of $7,500 a month can lose the liability shift. Prevention protects both your margin and your standing.

Does Shopify Protect cover furniture chargebacks in the UK?

No. Shopify Protect is for eligible US stores on Shop Pay orders and does not cover UK stores. Shopify's help centre says Shopify is not liable for chargebacks, so you respond with evidence. Your protection is your page, your dispatch photos and your delivery record.

Start free trial

ChargeFix helps Shopify merchants turn order, delivery and condition evidence into a clear response, so your time goes to the customer, not the paperwork. Start free trial and handle furniture chargebacks with the same checked routine every time.

Sources

• Shopify Help Center: Chargebacks and inquiries
• UK Finance: Chargeback and Section 75
• legislation.gov.uk: Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, explanatory note
• Stripe, Dispute evidence best practices: further reading on how to format convincing evidence
• Adyen, Manage disputes: further reading on how another payment provider handles disputes