Shopify does provide tools; with that said, though they may not cover all your needs, which is what File Chargeback and teams like it are for

Shopify chargeback management doesn't have to weigh you down. With proper support, the right tools, and the right strategy, you can defend your store and concentrate on what's most important: your customers.

File Chargeback is a dedicated platform helping online businesses take back control over their payment disputes. With smart tools and expert guidance, we support eCommerce sellers in minimizing chargeback losses and winning more cases.

File Chargeback promotes its own expert services designed to assist users in managing disputes involving Zelle and other digital payment platforms.