Why this is classified high risk
Dropshipping is a chargeback-magnet category — long delivery times, no physical fulfillment, and high impulse-buy refund rates trip every aggregator's fraud detection. Stripe, Shopify Payments, and PayPal routinely freeze dropship merchants 30–90 days into their first scaling push.
Real placement uses acquirers that price for the chargeback ratio rather than ban the model. The underwriting question isn't "do you drop ship?" — it's "what's your delivery-confirmation rate and your dispute-deflection workflow?"
Features included
Acquirers explicitly underwrite 14–30 day delivery for AliExpress / CJ flows.
Gateway integrations push tracking to Verifi/Ethoca to defeat 'INR' disputes automatically.
Sell in USD, EUR, GBP, CAD, AUD with local-currency authorization to reduce decline rates.
Higher-volume dropship stores split between two MIDs to manage chargeback ratios per acquirer.
Underwriting documents you'll need
- Merchant application + voided check
- Last 3 months bank + processing statements
- Supplier agreements (AliExpress storefront screenshots OK)
- Refund policy reflecting realistic delivery windows
- Website with terms, privacy, contact, SSL
- Tracking-upload workflow confirmation
Pricing factors
Dropshipping pricing ranges 3.95% – 5.45% + $0.25 with 5–10% rolling reserve held 180 days. Pricing is heavily driven by chargeback ratio — stores under 0.65% qualify near the low end.
US-warehouse-only dropship (3–5 day delivery) prices closer to standard e-commerce at 3.45% – 3.95%.