Shopify can hold your payouts or close your store with little warning, and it never warns you first. Payout Guard scores your account-health risk: your chargeback rate versus the threshold that triggers holds, your refund rate, and your catalog checked against Shopify's prohibited and restricted product rules. You get one health score, the risk drivers, the products to fix, and prioritized steps — plus appeal guidance if you're already flagged. Read-only; never touches customer data.