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Chargebacks are a risk of online transactions that can happen as soon as the buyer claims they never received what was sold to them, or if it’s not exactly how it appeared in the ad. Here is a list of chargeback protection services for 2022 dedicated to protecting consumers from these risks and holding retailers accountable for their actions.
The “stripe chargeback protection” is a service that allows users to get their money back from merchants if they have been charged incorrectly. There are many other services like this, but the “stripe chargeback protection” has been around for quite some time and has proven to be effective in protecting its customers.
According to Shopify, chargebacks cost merchants an average of 0.47 percent of their overall sales each year, which translates to thousands of dollars in income lost due to criminal or friendly fraud. The finest chargeback protection services can shield you against these transactions and fight chargebacks as soon as they occur, if not sooner.
- Overall, Kount is the best chargeback protection solution.
- Best for countering friendly fraud is Sift (previously Chargeback App).
- Signifyd is ideal for ecommerce businesses that offer tangible goods.
- Verifi is the best option for merchants that accept Visa (also works with other chargeback apps)
- ClearSale is the most effective tool for eliminating false decreases.
- Chargebacks911 is ideal for high-risk enterprises and affiliate merchants.
- Experts in Chargeback: Offers a money-back guarantee on chargeback analyses.
- Midigator: For early detection and proactive resolution before fees are charged, Midigator is the best choice.
- ChargebackHelp is the best payment gateway for new businesses or those who wish to transfer payment gateways.
The simplest approach to avoid chargebacks is to avoid them altogether. Even the most successful companies, though, are subject to chargebacks, and having the correct tools to deal with them may save you time and money. If you’re just getting started taking payments, selecting the correct merchant account will help you avoid chargebacks.
As a result, we looked at a few common processors that have chargeback systems built in:
- PayPal is a popular online payment system.
- Square: Merchant services for small companies with a physical location and/or an internet presence.
- Stripe is a popular payment processor for internet businesses.
- Shopify is a well-known ecommerce platform with built-in payment processing.
- BlueSnap is a global payment processor for B2B transactions conducted online.
- Bolt is a one-click checkout system for internet businesses.
If you have a high-risk company or get a lot of chargebacks, you may require a specialist high-risk merchant account in addition to chargeback protection.
Comparing the Best Chargeback Protection Services
*Guarantees refer to Chargeback remuneration or service returns if a fraudulent chargeback is accepted and/or is unsuccessfully contested.
Overall, Kount is the best chargeback protection solution.
Kount
4.41 OUT OF 5 STARS FOR THE OVERALL PERFORMANCE
| CRITERIA FOR RATING | Pricing | 2.50 | OUT OF | 5 |
| Preventing Chargebacks Before They Happen | 5.00 | OUT OF | 5 | |
| Dispute Resolution and Chargeback | 4.25 | OUT OF | 5 | |
| User-Friendliness | 4.75 | OUT OF | 5 | |
| Expert Rating | 5.00 | OUT OF | 5 |
What We Enjoy
- Advanced automation and artificial intelligence (AI) tools
- Works with businesses that already have a high chargeback rate.
- Real-world users give it high marks.
- Services tailored to your needs
What Isn’t There
- Minimum monthly payment of $1,000
- Users claim that some of the terms are perplexing and that the procedures are complicated.
- There will be no Representation of a chargeback.
Pricing for Kount
- Based on your sales volume, objectives, and the sorts of fraud and chargeback concerns you regularly face, you’ll get a custom quotation.
- Minimum monthly payment: $1,000
Characteristics
- Fraud detection powered by AI that examines billions of data points
- Malicious logins are prevented.
- Data storage and analysis to identify trouble areas that might result in chargebacks.
- To avoid false declines, mark known consumers.
- Setting up rules for automatic notifications
Because it has various programs that tackle chargebacks on several levels: avoiding chargebacks, blocking fraudulent logins, and studying chargebacks for trends, Kount achieved first place on our list of the best chargeback prevention services. It protects nearly 9,000 enterprises, ranging from gas and gambling to banking and food. It even guards against fraudulent purchases and bogus declines.
What does it mean to have a fake decline? When a transaction is wrongly recognized as fraudulent and refused, this is known as a false decline. Customer happiness, repeat visits, and your reputation may all suffer as a result of this.
On our review, the supplier received the highest score: 4.41 out of 5. Because it requires a contract and a minimum monthly expenditure of $1,000, it’s excellent for well-established firms losing well over $1,000 per month due to chargebacks. However, it is not the only firm that has a $1,000 minimum; several of the companies on our list, such as Signifyd, have even greater monthly minimums.
Kount lacked representation as well, despite having tools for appealing chargebacks. However, it is very successful and offers the greatest options for avoiding fraud and chargebacks. Despite some concerns about the complexity of the procedures, it received the highest customer approval rating: 4.75 out of 5 stars, based on numerous third-party user review sites.
It provides a chargeback guarantee that covers all qualified fraud-related chargebacks 100 percent of the time or a KPI-performance guarantee. Customers have also reported an average decrease of 83 percent in manual reviews, 70 percent in false positives, and 99 percent in chargebacks.
Integrations by Kount
Chase, Sage, Braintree, and BlueSnap are just a few of the payment providers that Kount works with. It also works with Shopify and Salesforce Commerce Cloud, among other ecommerce platforms. Chargebacks911, Ekata, LexisNexis, and other third-party data subscriptions are available as an alternative.
Customer Service at Kount
More than many of the other alternatives on this list, Kount customers have access to a number of customer support services. Monday through Friday, 6 a.m.–6 p.m. Mountain time (excluding holidays), phone help is accessible. Email assistance, an online help center, and other resources such as white papers, webinars, movies, and both live and virtual events are also available.
How does Kount stack up against other chargeback prevention services?
- Fraud and chargeback prevention before the transaction is accepted: Kount is the only provider on our list that received a perfect score for its tools for preventing fraud and chargebacks before the transaction is approved. Artificial intelligence/machine learning (AI/ML) analysis, 3D Secure, fraud, scoring, and false decline avoidance are among the features. You may also create your own fraud detection criteria using it.
- Individual fraud protection services: Kount, like ClearSale, offers live, personalized review services for businesses with significant business difficulties, are dealing with sophisticated fraud attempts, or need further assistance. It also provides a thorough examination of corporate and operational procedures in order to reduce fraud risk.
- Monthly minimum: Unlike the majority of the services on our list, Kount requires a monthly payment of at least $1,000 (Signifyd charges $1,500). Consider Verifi, ClearSale, Chargebacks911, Experts in Chargeback, and ChargebackHelp for chargeback protection with no monthly minimum.
- There will be no Representation of a chargeback.: Kount does not provide Representation of chargeback. (Of course, it has a 99% chargeback reduction rate and dispute tools.) If you want a guarantee, most of the other listed services offer it.
Pay a visit to Kount.
Sift is the best option for friendly fraud.
Sift
3.97 OUT OF 5 STARS FOR THE OVERALL PERFORMANCE
| CRITERIA FOR RATING | Pricing | 3.13 | OUT OF | 5 |
| Preventing Chargebacks Before They Happen | 4.25 | OUT OF | 5 | |
| Dispute Resolution and Chargeback | 3.50 | OUT OF | 5 | |
| User-Friendliness | 5.00 | OUT OF | 5 | |
| Expert Rating | 4.38 | OUT OF | 5 |
What We Enjoy
- Chargeback response generator using artificial intelligence
- Formatting and evidentiary requirements are tied to bank restrictions.
- Tools for preventing fraud are available.
- Tools for preventing false decline
What Isn’t There
- There is no assurance.
- 3D Secure isn’t used.
- There will be no Representation of a chargeback.
Sift Through Pricing
- Pricing is not publicly known now that Chargeback App is part of Sift. According to previous reports, Chargeback App charges based on transaction volume, roughly 5 cents per transaction, with an annual minimum price of $8,000.
Features to Sift
- Analyze the accounts
- Visa Merchant Purchase Inquiry Enrollment
- Automated replies to chargeback notifications enabled by AI
- Assembles evidence to go with the answer letter
- Add-ons for account security, fraud prevention, harmful content protection, and more
Sift Dispute Management (previously Chargeback App) identifies transactions by automatically sharing transaction data with both consumers and banks. It may utilize the same information to generate a complete answer utilizing a vast rules and regulations database to identify the content and formatting that satisfies standards and makes the strongest case. The answer is then sent automatically. Sift is an excellent solution for countering friendly fraud with little effort because to its automatic evidence collection.
Friendly fraud occurs when a consumer challenges a lawful charge because they are confused or want their money back. Consumers who don’t recognize the charge or merchant name, family members who make transactions without the cardholder’s knowledge, or customers who seek an illegitimate reimbursement are all reasons for friendly fraud chargebacks.
Sift can detect errors that result in chargeback demands, helping you to avoid them in the future. If many clients don’t identify charges from your company on their credit cards, your payment processor may propose modifying the description. It also offers real-time dashboards and detailed reports for in-depth analysis.
The service received a 3.97 out of 5 rating in our review. The price score was mediocre, particularly now that Chargeback App is owned by Sift, which does not publicize its pricing and does not specify contracts or minimum spend requirements as others do. It fared well with preventive and resolution tools, but it lost points due to a lack of representation and failure to reimburse chargeback expenses. Nonetheless, it is simple to use, has a 4.58 out of 5 user rating (averaged across numerous review sites), and is really successful.
Recently in the news:
Chargeback App was bought by Sift in 2021. With customers including Box, DoorDash, and Wayfair, Sift is a major supplier of fraud protection services. Chargeback App was included as a Dispute Management tool. It also includes capabilities to prevent account takeovers, block scams, and prohibit harmful material, as well as fraud prevention and user account security.
Integrations Sift
PayPal, Stripe, Vantiv, Authorize.net, and Worldpay are among the payment systems that Sift supports. It integrates with Shopify, Magento, WooCommerce, and PrestaShop, as well as providing an API for alternative software integration. For card processing information, it also interfaces with Verifi and Ethoca.
Customer Service Sift
Response templates, a knowledge base, e-books, instructions, and reason codes are just a few of the self-service options available with Chargeback App. If you want more support, please contact us through email.
How does Sift stack up against other chargeback prevention services?
- More payment security capabilities: Sift has comprehensive fraud prevention technologies that may prevent improper transactions from happening in the first place. (About half of the services on our list, such as Chargebacks911 and Midigator, are dedicated to responding to chargebacks.) The ability to construct your own fraud rules for any known red flags is one example. Only Verifi and Kount provide this service.
- Sift offers a “Insult Monitor” that indicates probable false positives so you may manually approve them to avoid denying a true client a transaction. This is a feature that many chargeback protectors, including Verifi, lack.
- There will be no Representation of a chargeback.: Sift provides the tools and information for you to handle the issue but doesn’t have experts who handle the chargeback process for you. If you want this time-saving feature, check out Signifyd, ChargebackHelp, Chargebacks911, Experts in Chargeback, and Verifi.
- There is no assurance.: It does not refund fees for chargebacks it missed (ClearSale and Kount do).
Visit Sift
Signifyd: The Best Ecommerce Platform for Physical Products
Signifyd
3.89 OUT OF 5 STARS FOR THE OVERALL PERFORMANCE
| CRITERIA FOR RATING | Pricing | 0.88 | OUT OF | 5 |
| Preventing Chargebacks Before They Happen | 4.50 | OUT OF | 5 | |
| Dispute Resolution and Chargeback | 3.88 | OUT OF | 5 | |
| User-Friendliness | 4.00 | OUT OF | 5 | |
| Expert Rating | 5.00 | OUT OF | 5 |
What We Enjoy
- Protection from transaction to resolution
- Provides merchants with information that may be used to avoid fraud in the future.
- Beyond payment fraud, safeguard accounts and handle abuse.
- Prevents erroneous decreases.
What Isn’t There
- Minimum monthly payment of $1,500
- Doesn’t cover things that are delivered online.
- Support is only available through the contact form.
- There are no specific fraud guidelines.
Significance in Pricing
- Call for an estimate on custom pricing.
Identified Characteristics
- AI/ML that adapts to the situation and provides useful information
- Multiple fraud irregularities are immediately identified.
- Orders that have been authorized are guaranteed to be protected.
- Scores for customer mistreatment
- Protection against unauthorized resellers
- Chargeback recovery that is automated
For ecommerce, Signifyd offers full fraud prevention. Anomalies such as account takeovers, unauthorized resellers, and promotion misuse may all be detected. To respond to these assaults, you may design your own proprietary logic and automatic replies. Insights reports examines your chargebacks for patterns and tips on how to avoid friendly chargebacks. It manages delivery and provides a full refund for Item-Not-Received chargebacks on physical purchases, making it the ideal option for physical goods online businesses.
It earned 3.89 out of 5 in our evaluation. It got a perfect Expert Rating for quality of features and effectiveness and only lost points on User-Friendliness because it lacked personal recommendations (only a few like Kount, Sift, and Experts in Chargeback do this). It can provide analyses that you can act upon, however, and its pre-transaction charge prevention offerings are among the strongest. Its biggest hit came in pricing, as it requires a $1,500 monthly spend and 30 days’ notice to cancel. Real-world users on third-party review sites give it an average of 4.63 out of 5 stars.
Signifyd operates in over 100 countries, which is much more than any other chargeback prevention firms (for comparison, Visa’s Verifi only works in around 40). It is straightforward to use and adaptable, according to users, and the corporation is fast to reimburse chargebacks based on fraud. It does not, however, ensure the delivery of digital objects.
Significance of Integrations
BigCommerce, Magento, Salesforce Commerce Cloud, and Shopify are just a few of the ecommerce systems that Signifyd works with. You may also create your own API.
Customer Support That Means Something
With Signifyd, you have two choices for troubleshooting: a contact form and a support portal. In comparison to ClearSale’s 24/7 phone help, these are restricted possibilities.
How does Signifyd stack up against other chargeback prevention services?
- Additional fraud tools: Like Sift, Signifyd can do more than only protect you against chargebacks. Its commerce safety technology offers account abuse prevention to keep you safe from consumers who take advantage of enterprises by misusing coupons or filing complaints about products not received.
- 3D Secure: As part of its verification methods, Signifyd employs 3D Secure. Only Kount and Experts in Chargeback utilize this tool; the others either don’t mention it or claim to work with other tools that do. Although 3D Secure is required for all transactions in the EU, not every chargeback protector utilizes it for data.
- You won’t be able to create your own fraud detection rules: The ability to create your own fraud detection criteria may aid in the identification of industry-specific fraud or allow you to approve trustworthy transactions automatically. Unfortunately, Signifyd does not have this feature. Take a look at Kount, Sift, and Verifi.
- Signify has a minimum monthly expenditure of $1,500, making it the most costly option on our list. Most don’t have any kind of minimum.
Pay a visit to Signifyd.
Verifi is the best option for resolving visa issues.
Verifi
3.79 OUT OF 5 STARS FOR THE OVERALL PERFORMANCE
| CRITERIA FOR RATING | Pricing | 3.13 | OUT OF | 5 |
| Preventing Chargebacks Before They Happen | 3.38 | OUT OF | 5 | |
| Dispute Resolution and Chargeback | 4.25 | OUT OF | 5 | |
| User-Friendliness | 4.25 | OUT OF | 5 | |
| Expert Rating | 3.44 | OUT OF | 5 |
What We Enjoy
- Working with more than 40 nations
- Rapid Dispute Resolution (RDR) decreases chargebacks by automating resolutions.
- Management and representation of chargebacks
- Collaborates with other chargeback prevention firms
What Isn’t There
- There is no chargeback guarantee.
- Doesn’t prevent fraudulent transactions from happening.
- Doesn’t prevent false decreases from happening.
Pricing that can be verified
- Verifi, like the majority of the other chargeback protection solutions on our list, does not provide pricing on their website. For price information, you’ll need to contact Verifi directly.
Features that can be verified
- Data sharing with the issuer’s contact center or self-service for cardholders
- Seller-defined criteria are used to automate answers to complaints before charges are issued.
- Visa’s financial settlement (refund) capacity
- Dispute resolution
- KPIs and performance statistics are shown on a dashboard for reporting.
Verifi (a Visa subsidiary) collaborates with both sellers and banks or payment processors that receive Chargeback notifications. The issuing authority may access transaction information to authenticate purchases when you have Verifi, which is a frequent source of chargebacks. It may also provide consumers with immediate access to the information through the bank’s internet or mobile apps. This is one of the reasons Verifi is used by so many chargeback applications and payment processors. In fact, if it isn’t enough on its own, it may be used as a selling point when considering additional services.
In our review, it received a 3.79 out of 5 rating, with all subscores being decent but not great. It received less points since it does not safeguard against bogus rejects or pay chargeback costs, and its total chargeback reduction is somewhat lower than the best on our list. It does, however, provide outstanding deflection services and solid reports.
It helps to avoid chargebacks by providing fraud warnings as soon as the bank or card authority confirms them. It may also send stop payment alerts, allowing you to cancel purchases or subscriptions as needed. It alerts you to lost or stolen Visa cards so that you can ban them. It says that firms will see a drop in dispute rates of up to 42 percent.
When chargebacks arise, around half of the providers on our list provide comprehensive management and representation. You receive a reporting dashboard with KPIs, performance and business summaries using Verifi’s software. This allows you to identify flaws that lead to chargebacks and monitor Verifi’s progress in appealing chargebacks on your behalf.
Integrations that can be verified
Verifi connects with payment processing firms such as Bank of America, Chase, BlueSnap, Vantiv, and Merchant Solutions in addition to Visa. You’ll also see that it integrates with other chargeback prevention providers. Other chargeback protection programs, such as Chargebacks911, offer a longer number of integrations.
Customer Service Verifi
Verifi provides customer service via the phone Monday–Friday, 8 a.m.–5 p.m. Pacific time, as well as through live chat and a contact form on the website. It’s one of the few companies with an online knowledge base for their product. Others, such as Experts in Chargeback, merely provide generic fraud and chargeback protection information.
How does Verifi stack up against other chargeback prevention services?
- While other services, such as Chargebacks911, integrate with Verifi or the Visa Merchant Purchase Inquiry program, Verifi provides free direct access to Visa’s alerts and information.
- Consumers who don’t recognize or recall a sale may commit friendly fraud if they have access to comprehensive transaction data. Verifi receives this straight from Visa, while ClearSale, Experts in Chargeback, and Midigator do not have this tool.
- There will be no erroneous decline prevention.: Avoiding false declines is almost as vital as stopping fraudulent transactions. Take a look at ClearSale, Sift, Kount, and Signifyd, for example.
- Verifi does not refund you for chargebacks, even those that sneak through the cracks, unlike ClearSale, Kount, Signifyd, and Experts in Chargeback.
Visit Verifi to learn more.
ClearSale: Best for Reducing False Declines
ClearSale
3.68 OUT OF 5 STARS FOR THE OVERALL PERFORMANCE
| CRITERIA FOR RATING | Pricing | 4.00 | OUT OF | 5 |
| Preventing Chargebacks Before They Happen | 3.13 | OUT OF | 5 | |
| Dispute Resolution and Chargeback | 3.50 | OUT OF | 5 | |
| User-Friendliness | 4.00 | OUT OF | 5 | |
| Expert Rating | 4.69 | OUT OF | 5 |
What We Enjoy
- Uses both AI/ML and human fraud specialists to detect and prevent fraudulent charges from being processed.
- Defends against erroneous decreases.
- Consultancy services for fraud
What Isn’t There
- There isn’t representation in every scheme.
- It is possible that response and processing times will be sluggish.
Pricing for ClearSale
- KPI determines pricing. For 0.4 percent –0.5 percent of sales, you may contact for a quotation or obtain ClearSale Chargeback Protection.
Features of ClearSale
- AI/ML-based fraud detection
- Transactions that fail to pass AI fraud checks are manually checked.
- Protection against erroneous decreases
- Detecting and blocking fraudulent transactions
- Reimbursement for chargebacks resulting from fraudulent transactions that were overlooked (with Guaranteed Protection plan)
ClearSale is a chargeback prevention technology for online shopping carts and applications that blocks fraudulent orders to avoid chargebacks. It, like Chargebacks911, identifies fraudulent transactions using a combination of AI/ML technology and human assessment. It has the strongest chargeback and false decline reduction rates in our guide, with a 98 percent decrease in chargebacks and an 80 percent reduction in false declines.
With a rating of 3.68 out of 5 on our scale, it’s a decent service that includes most of the essential features for chargeback avoidance and dispute resolution. Because of the variety of options available and the absence of commitments or minimum costs, it received a good rating in price. While it loses points by not allowing you to define fraud detection criteria, it compensates by re-evaluating questionable transactions to decrease friendly rejects. It also suffered a blow since it lacked representation. On G2, it received a 4.7 out of 5 star rating from genuine users.
Each transaction is scanned by ClearSale AI, which assigns a fraud score based on order information, device, behavioral data, and other variables. If a transaction fails the fraud score, ClearSale’s fraud specialists manually review it.
You may choose between a guarantee plan, in which ClearSale reimburses you for any missed frauds that result in chargebacks, or a key performance indicator (KPI) plan, in which you and ClearSale create KPIs and you receive a discount if ClearSale fails to reach them. Kount also offers a guarantee that is based on KPIs.
Integrations with ClearSale
Magento, Shopify, Oracle, and BigCommerce are among the ecommerce systems that ClearSale interfaces with. It also provides a mobile software development kit (SDK) for Android and iOS app integrations, as well as an application programming interface (API) for bespoke integrations.
Customer Service at ClearSale
ClearSale offers one of the most accessible customer care teams on our list, with representatives available 24 hours a day, 7 days a week to assist with technical concerns. On Trustpilot, customers complimented the company’s customer service. You may contact them via phone, email, or through a contact form. You may also go through the company’s knowledge resource, which includes tutorials, articles, podcasts, and webinars.
How does ClearSale stack up against other chargeback prevention services?
- Human and AI fraud checks: ClearSale is unique in that it evaluates each transaction using both AI/ML and humans. This adds an additional degree of defense against bogus declines and deceptive deception.
- ClearSale provides fraud consulting services, whereas other firms give white papers and basic recommendations or dashboards where you may assess your fraud. You’re partnered with a fraud prevention specialist in your sector who assesses your present techniques and gives recommendations—all without the need to upgrade to the company’s platform. (There are charges.) Kount also offers an evaluation service.
- There are no chargeback response tools that are integrated: Chargebacks are the only thing that ClearSale prohibits. The majority of the other chargeback prevention firms in this article include dispute resolution solutions.
- No representation: Chargebacks are not disputed by ClearSale. Consider Signifyd, Chargebacks911, Experts in Chargeback, and ChargebackHelp for representation.
Go to ClearSale.com to learn more.
Chargebacks911: Best for Affiliate & High-risk Business
Chargebacks911:
3.60 OUT OF 5 STARS FOR THE OVERALL PERFORMANCE
| CRITERIA FOR RATING | Pricing | 3.00 | OUT OF | 5 |
| Preventing Chargebacks Before They Happen | 1.00 | OUT OF | 5 | |
| Dispute Resolution and Chargeback | 4.25 | OUT OF | 5 | |
| User-Friendliness | 5.00 | OUT OF | 5 | |
| Expert Rating | 4.69 | OUT OF | 5 |
What We Enjoy
- Identifies merchant errors that result in chargebacks.
- Representation of chargeback
- Works with industries that are high-risk.
- Chargebacks due to merchant errors are avoided.
What Isn’t There
- Doesn’t look for or prevent client charges before they happen.
- Chargeback costs are not refunded.
Pricing for Chargebacks911
Features of Chargebacks911
- Protection and prevention of affiliate fraud
- Fraud detection using fraud analysis
- To avoid merchant mistakes, merchant compliance checks are conducted.
- Cost-cutting examination of Accounts with merchants
- Chargeback notifications
Chargebacks911 serves a wide range of businesses, including high-risk merchants, but it’s the only one we identified that has a dedicated program for affiliate merchants. This chargeback management solution combines technology and tailored research to assess affiliate marketing strategies in order to detect people who may be attempting to defraud.
As with Verifi, Chargebacks911 offers a number of dispute prevention tools like providing Chargeback notifications before they are officially filed, issuing immediate responses or refunds to prevent chargebacks, and providing representation in fighting a chargeback. Like many of the services ranking below Chargebacks911, its focus on dispute management and chargeback resolution means it received a low score on our rubric for fraud prevention—1 out of 5.
Nonetheless, it earned high marks on chargeback resolution, User-Friendliness, and overall quality of features. All told, Chargebacks911 got an overall of 3.6 out of 5 in our evaluation, an excellent score considering the lack of fraud prevention tools.
To give worldwide coverage, it works with roughly two dozen sectors and about 90 currencies. It includes customisable programs for bigger enterprises and solutions for financial institutions, in addition to ecommerce, travel, and digital sectors. It also provides a merchant account cost analysis to help you figure out how to save money on credit card processing.
Integrations with Chargebacks911
Chargebacks911 stands out in this area as well. It works with more than 40 CRM systems. If yours isn’t one among them, it’ll devise a workaround until a comprehensive integration can be engineered. Although many other systems provide APIs, only Chargebacks911 and ChargebackHelp have plans that include bespoke integrations.
Customer Service at Chargebacks911
Through its knowledgebase and online manuals, Chargebacks911 provides resources. You may also contact the company’s staff by filling out an online contact form, sending an email, or calling them, albeit their hours of availability aren’t indicated.
Comparing Chargebacks911 to Other Chargeback Services
- Affiliate Fraud Shield: If you deal with affiliates, you can be at danger of paying commissions on fictitious sales. Chargebacks911 is the only service on our list that has a mechanism in place to protect you against this.
- Prevent merchant mistake: According to Chargebacks911, merchant error accounts for 50% of all chargebacks. It features a 106-point noncompliance check of merchant procedures to discover mistakes before they happen to aid with this. Although ClearSale and Kount provide live advice, no other provider we studied provides such a program.
- No fraud prevention: ChargebackHelp received the lowest grade for fraud prevention—1 out of 5—in our evaluation (Experts in Chargeback has 0.75; Midigator 0.38). In this criteria, it received just one point for 3D Secure. If you want to prevent fraud before it occurs, check out Signifyd, Shift, and Kount. Note that affiliate fraud was not included in this score since it is a distinct program.
- Chargebacks911 does not repay you for expenses paid by chargebacks it was unable to deflect, unlike the other companies on our list, such as Experts in Chargeback and Kount.
Chargebacks911 is a website dedicated to chargebacks.
Experts in Chargeback: Best for Chargeback Analysis & Money-back Guarantee
Experts in Chargeback
3.53 OUT OF 5 STARS FOR THE OVERALL PERFORMANCE
| CRITERIA FOR RATING | Pricing | 3.13 | OUT OF | 5 |
| Preventing Chargebacks Before They Happen | 0.75 | OUT OF | 5 | |
| Dispute Resolution and Chargeback | 4.50 | OUT OF | 5 | |
| User-Friendliness | 4.06 | OUT OF | 5 | |
| Expert Rating | 4.69 | OUT OF | 5 |
What We Enjoy
- Vulnerabilities are discovered by automated scanning of more than 40 data points.
- We provide a complete money-back guarantee.
- For merchants, there are over 30 analytical reports available.
- Representation of chargeback
What Isn’t There
- There are no manual inspections.
- To prevent fraudulent transactions, only 3D Secure is used.
- Doesn’t stop fraud or charges from happening in the first place.
Experts in Chargeback Pricing
Experts in Chargeback Features
- Transactions are validated using 3D Secure technology.
- Has Chargeback notifications, so you can respond before fees are applied
- Analysis by the Experts in Chargeback team for chargeback prevention
- Representation of chargeback
Experts in Chargeback offers an in-depth analysis of chargebacks with over 30 standard reports, making it a great choice for those wanting to get to the root of their chargeback issue without paying extra for a third-party analysis. While it does not have an independent AI system to evaluate transactions, it does use 3D Secure 2.0 technology, which is the industry standard.
It ranks behind Chargebacks911 with a score of 3.53, yet it is still above average for this ranking. It did not have the fraud protection measures we were searching for, apart from 3D Secure, getting it the second lowest score for this category (0.75 out of 5; Midigator comes in lowest with a 0.38). It does, however, provide a comprehensive set of chargeback and dispute capabilities, is simple to use, and has a competitive price structure.
Experts in Chargeback claims a 50% prevention and a 70% win against chargebacks. What’s more, it is the only chargeback manager with a We provide a complete money-back guarantee.. If you do not see your chargebacks declining and your income increasing, you can quit and get your money back.
Experts in Chargeback Integrations
Experts in Chargeback offers 66 integrations for payment processors, gateways, CRM, ecommerce, and more. Zendesk, Wells Fargo, Paysafe, HelloSign, FlexPay, Ethoca, Authorize.net, and Converge Pay are just a few.
Experts in Chargeback Customer Support
You can reach Experts in Chargeback support via phone or help yourself with FAQs, e-books, and guides. The FAQs address questions about the product but not how to use the software.
How Experts in Chargeback Compares to Other Chargeback Services
- Reports: While all the chargeback prevention companies provide some reports, Experts in Chargeback offers over 30. Its Root Cause Analyzer looks at over 40 data points to help you identify your vulnerabilities. It gives you an in-depth and personalized analysis of your weaknesses.
- VPMI: Experts in Chargeback can integrate you directly into the Visa Merchant Purchase Inquiry (VMPI) engine. The VMPI lets banks directly extract relevant transaction information to make decisions on claims. About half the products on our list, like Midigator and Chargebacks911, are official facilitators.
- Little chargeback and fraud prevention: Experts in Chargeback has the lowest score for Preventing Chargebacks Before They Happen of those in this guide, lacking most of the features we looked for. For the best prevention tools, consider Kount, Signifyd, and Sift.
- Preventing false declines is impossible: False declines, in which a real customer is turned down, may have just as big of an impact on profitability as fraudulent purchases. Look at ClearSale, Kount, Signifyd, and Sift if you’re worried about your consumers being refused.
Visit Experts in Chargeback
The Midigator is the best choice for proactive resolution.
Midigator
3.51 OUT OF 5 STARS FOR THE OVERALL PERFORMANCE
| CRITERIA FOR RATING | 4 out of 5 for pricing | 4.00 | OUT OF | 5 |
| Preventing Chargebacks Before They Happen: 0.38 out of 5 | 0.38 | OUT OF | 5 | |
| Dispute Resolution and Chargeback: 4.25 out of 5 | 4.25 | OUT OF | 5 | |
| User-Friendliness: 4.25 out of 5 | 4.25 | OUT OF | 5 | |
| Expert Rating: 5 out of 5 | 5.00 | OUT OF | 5 |
What We Enjoy
- Responses to disputes that are both personalized and automatic
- Create your own notification triggers.
- Ethoca and Verifi are partners.
- Pricing on a per-item basis
What Isn’t There
- Doesn’t protect you from fraudulent transactions.
- There is no assurance.
- There will be no erroneous decline prevention.
Pricing for Midigators
- Midigator can give a price depending on the services supplied.
Characteristics of the Midigator
- In-depth research
- Dashboard for account reporting
- Chargeback notifications and custom notifications
- Dispute flows are used to cut down on the amount of time spent on disputes.
Chargeback dispute tools are available from Midigator to assist you in resolving difficulties before fees are charged. It examines hundreds of alternatives for convincing evidence for a dispute package with the highest likelihood of winning, as well as providing a platform for chargeback analysis. Refunds, stop-order fulfillments, subscription cancellations, and disputes may all be handled here. Midigator claims to have a success percentage of 65 percent to 80 percent on disputes.
The supplier may also look at early-indicator data and order information to see if there are any difficulties that might lead to chargebacks in the future. It can even defend you against chargebacks, albeit it may not agree to do so in all cases. Unlike the other chargeback providers on our list, it will propose settlement instead of filing a chargeback if it believes your issue is without merit.
We gave Midigator a 3.51 out of 5—just a hair above the average for this list. It had the lowest score for fraud and Preventing Chargebacks Before They Happen, but that is a reflection of its focus. It scored a perfect 5 for quality of features and effectiveness and only lost points on User-Friendliness because it does not provide personalized recommendations for reducing fraud (you can do analysis, however). It missed a perfect score for dispute resolution because it does not pay chargeback fees. With no contracts or minimum spend, it did well in the pricing category too.
Integrations with Midigator
It can get real-time warnings from Verifi and Ethoca, as well as transaction data from Stripe, Shopify, Authorize.net, Worldpay, Paysafe, and other payment systems.
Customer Service at Midigator
Midigator provides a support center where you may get answers to your queries and problems. It also has an online resource center where you can look at reports and lessons, look up chargeback cause codes, download templates and example papers, and more. You may contact a member of the support staff by email.
How does Midigator stack up against other chargeback prevention services?
- Improved return on investment for chargeback defense: While other chargeback defense firms boast that they challenge 100% of chargebacks, Midigator’s software examines chargebacks for criteria such as evidence and defense expenses. Midigator will not defend if it does not follow the rules. This may have an impact on how many you win, but in the long term, it may save you money and time.
- Works with Verifi and Ethoca: Midigator integrates with Verifi and is a certified VMPI facilitator, like about half of those in this guide. However, Midigator also partners with Ethoca, the Mastercard equivalent of Verifi. This gives it access to information from the most commonly used credit cards. Of those in this guide, only Experts in Chargeback, ChargebackHelp, and Sift also take advantage of Mastercard’s system, though most offer it as a separate integration.
- Midigator, like the other products on this list, guards against chargebacks but does not prevent them. Consider Kount, Sift, and Signifyd as fraud protection tools.
- There is no assurance.: Kount, Experts in Chargeback, and ClearSale reimburse you at least your chargeback fees for each lost case. Midigator does not have a similar guarantee.
Pay a visit to Midigator.
ChargebackHelp is the best payment gateway for merchants.
ChargebackHelp
3.28 OUT OF 5 STARS FOR THE OVERALL PERFORMANCE
| CRITERIA FOR RATING | Pricing | 4.00 | OUT OF | 5 |
| Preventing Chargebacks Before They Happen | 1.00 | OUT OF | 5 | |
| Dispute Resolution and Chargeback | 4.25 | OUT OF | 5 | |
| User-Friendliness | 3.75 | OUT OF | 5 | |
| Expert Rating | 3.13 | OUT OF | 5 |
What We Enjoy
- Dispute resolution may be automated.
- The BILLAPAY gateway collects information required to dispute chargebacks.
- Offers a merchant account.
What Isn’t There
- There are limited methods available to prevent fraud or chargeback demands.
- There is no continuous transaction/chargeback analysis to avoid future chargebacks.
- The assistance webpage isn’t particularly useful.
Pricing for ChargebackHelp
- Please contact us for pricing details.
Features of Chargeback Assistance
- Representation of chargeback
- Refund money to clients that have genuine complaints automatically.
- Response to chargebacks: manual or automatic
- Accounts with merchants
- BILLAPAY is a payment processor.
- Alerts that can be controlled
ChargebackHelp focuses on resolving chargebacks rather than avoiding them. You have the option of resolving disputes on your own, having ChargebackHelp handle them, or automating the process. It also offers a free chargeback study and assists high-risk businesses with account opening. It’s the only one with its own gateway, which saves money while also enabling fraud prevention and data collection.
It enables you to swiftly combat chargebacks, typically before the bank imposes a chargeback cost. It may offer information to consumers who may have forgotten about a transaction or provide evidence to the bank, putting the customer’s burden of proof on them. Finally, it may immediately reimburse client funds to settle valid complaints, reducing chargebacks by 40%, according to the company.
ChargebackHelp received a 3.28 out of 5 rating (for comparison, the list average is 3.5). Because it isn’t focused on Preventing Chargebacks Before They Happen, it, like Midigator, received a poor grade. However, it was chastised for not paying chargeback costs, as many of its rivals do, and for failing to provide tailored advice. Other features were there, but they were not as good as Kount or Chargebacks911. Nonetheless, chargeback settlement tools, reporting, and dispute management made a strong showing.
Integrations with ChargebackHelp
ChargebackHelp works with a variety of CRMs, payment gateways, and major credit card networks. Verifi, CDRN, and Ethoca are among the companies with whom it has partnered.
Customer Service at ChargebackHelp
Customer Service at ChargebackHelp is more readily available than some other platforms. You can reach it via phone or email. There’s also a knowledge base and code guide.
What Makes ChargebackHelp Different From Other Chargeback Protection Services?
- Automated dispute resolution: If your issues are simple, you may have ChargebackHelp handle them for you. ChargebackHelp’s connection with Verifi allows you to set up guidelines for granting refunds.
- Payment gateway: ChargebackHelp provides BILLAPAY as a payment gateway. It includes 3D Secure authentication, PCI compliance, and ChargebackHelp chargeback protection, among other features. No other service on our list has its own payment gateway, however we do have a list of gateways that feature chargeback protection at the bottom of this page.
- Anemic support section: The online knowledge base and FAQ are both minimal, with a focus on marketing rather than resolving in-depth concerns. Midigator has a larger product knowledge base, but Sift has a larger library of e-books, webinars, and infographics with fraud prevention recommendations.
- Little fraud/chargeback prevention: ChargebackHelp, like numerous other services on our list, concentrates on responding to chargeback allegations. Kount, Signifyd, and Sift are your best choices if you want to be proactive in preventing fraud or misleading rejections.
Visit ChargebackHelp.com for more information.
Chargeback protection is included in certain payment services.
Not every business needs a separate chargeback management service, as some are cost-prohibitive for small businesses. However, many Accounts with merchants, payment processors, and ecommerce platforms offer some form of protection. It could be a cheaper alternative for getting the chargeback management services you need.
Here are a few common payment processors that have chargeback protection built in:
Chargeback Protection (Built-in) vs. Chargeback Protection (Built-in
*Chargeback protection costs 4% per transaction; Radar fraud prevention costs 5 cents per transaction for firms on custom or interchange-plus pricing plans.
Protection against PayPal Chargebacks
PayPal
What We Enjoy
- Pays for unlawful transaction disputes.
- It is active in 202 countries.
- Consumers recognize and trust the platform.
What Isn’t There
- This does not apply to digital things.
- Pricing that is difficult to understand
- Chargeback fee of $20
PayPal Charges
- There is no additional charge for security.
- $20 for chargebacks that aren’t challenged and are lost.
Features
- Dispute resolution software
- Employees who meet certain criteria are protected from chargebacks.
- For approved merchants, AI/ML fraud prevention technologies are available.
While most chargeback protection providers interact with PayPal, it also provides a free chargeback protection program. It will cover any disputes arising from unlawful transactions or things not received, and it will retain money until the problems are handled, as well as collaborate with you on the investigation. Customers in 202 countries are covered by this guarantee; however, it does not cover claims regarding digital objects or services not received. PayPal Business Account users who have enabled Advanced Credit and Debit Card Payments may additionally use PayPal’s fraud detection capabilities and chargeback fee refunds.
Chargeback Protection in Squares
Square
What We Enjoy
- Fraud detection using AI and machine learning
- Blocking choices abound.
- Human expertise is included.
- Representation of a chargeback
What Isn’t There
- Not all disagreements are eligible for arbitration.
- The fundamental problems are not identified or addressed.
Pricing in Squares
- Fraud detection costs 6 cents per transaction and comes with a 90-day free trial.
- Chargeback protection: up to $250 per month in chargebacks
Features
- Representation of chargeback
- Pays attention to payments.
- If a human detects odd behavior, they will notify you.
- Make regulations to prevent fraud.
- Explains why payments are questionable.
With a free 90-day trial, Square offers free fraud monitoring and a risk management program for 6 cents every online transaction. It combines machine learning and payments throughout the Square system to look for the newest fraud trends and warn you appropriately for fraud monitoring. On disputed charges, Square will deal with your customer’s bank. Its risk management tool offers notifications with blocking choices, card blocking, custom rule generation, and analytics to identify chargeback patterns in your company. You still receive $250 in “free” chargebacks for qualified transactions if you don’t buy the risk package.
Learn more about Square Payments’ fraud prevention and other payment processing capabilities in our Square Payments review.
Chargeback Protection by Stripe
Stripe
What We Enjoy
- Card networks are supported.
- AI/ AI/ AI/ AI/ AI/ AI/ AI/ AI/ AI/ AI/ AI
- Fraud detection with machine learning
- Chargeback remuneration
What Isn’t There
- Monitoring may be costly.
- There is no human double-check.
Pricing using Stripe
- Chargeback protection costs 0.4 percent of each transaction.
- Radar fraud prevention costs 5 cents per transaction (waived for accounts with ordinary 2.9 percent + 30 cents price).
Features
- Fraud detection using AI and machine learning
- 3D Secure
- Rules, block, and allow lists may all be customized.
- Reports
Stripe charges an extra 0.4 percent each transaction for chargeback protection. It, like Square, use machine learning to detect and prevent fraud. Personalized rules, as well as block and allow lists, may be created. It includes digital and physical goods sales for buyers all around the globe. Stripe, unlike other chargeback schemes, simply reimburses you for the disputed amount and waives the dispute costs if you get a chargeback.
Read our Stripe review for additional information on the provider’s features and cost.
Chargeback Protection on Shopify
Shopify
What We Enjoy
- Chargebacks are handled by Shopify.
- Shopify keeps track of chargebacks.
- Other chargeback services may be included.
What Isn’t There
- Only firms headquartered in the United States are eligible.
- For changed orders, additional products may not be covered.
Pricing on Shopify
- Per-transaction price that isn’t mentioned
Features
- Fraud detection is incorporated in all Shopify plans.
- Damages and chargeback expenses are reimbursed by Shopify.
- Shopify keeps track of fraud and chargebacks.
For US consumers using Shopify to accept online payments, the ecommerce platform will compensate you for fraudulent chargebacks. It claims it will do this “for a modest cost,” so ask your representative for details. However, the service incorporates fraud detection and protection in all of its programs. Most of the chargeback services on our list interact with Shopify if its packages aren’t for you or the costs are too expensive.
Chargeback Protection by BlueSnap
Chargeback Protection by BlueSnap
What We Enjoy
- Self-serve or full-service alternatives are available.
- Chargebacks911 tools are used.
- Responses that are generated automatically
- Reach throughout the globe
What Isn’t There
- Processing charges
- You will be charged for services.
- There is no such thing as automatic protection.
Pricing for BlueSnap
- Charges you for the service that they sign you up for.
Features
- Kount and Chargebacks911 are both integrated.
- Rules that may be changed
- Fingerprinting of devices
- 3D Secure
- Representment
BlueSnap is a payment platform with chargeback control. It offers self- and full-service options. It Chargebacks911 tools are used. and works with Verifi and other chargeback services to help you automate responses and eliminate merchant issues that lead to chargebacks. Plans start at 2.9% + 30 cents per transaction with a monthly fee if the processing is less than $2,500 per month. In addition, if you need fraud or chargeback protection, it will enroll you in Kount or Chargebacks911 and charge you at the rate those companies charge them.
Go to BlueSnap.com to learn more.
Bolt Chargeback Defense
Bolt
What We Enjoy
- AI/ML surveillance
- Assists in the resolution of conflicts.
- Guaranteed chargebacks for all fraudulent transactions.
- Preventing false decline
What Isn’t There
- Payment and fees may be your responsibility.
- Pricing isn’t clear.
Pricing for Bolts
Features
- AI/ML surveillance
- Personalized rules
- Representation of chargeback
- Guaranteed chargeback of 100%
- Responses that are generated automatically
Bolt’s checkout mechanism detects suspected fraud yet allows you to approve the transaction. It may, however, reply instantly to chargeback disputes and provide complete counsel. It applies to transactions in which the cardholder did not provide authorisation, such as when a card is lost or stolen. For all other transactions, retailers are liable for the payment amount plus the card network’s $15 dispute charge. Customers applaud the company’s straightforward checkout procedure and customer support, which they believe is speedy and friendly. They also like how the platform is always evolving.
Visit Bolt
How Did We Pick the Top Chargeback Protection Services?
We sifted through more than a dozen chargeback protection programs and came up with the best nine (plus six payment services with chargeback protection plans). To do this, we began with the basic tools required to combat chargebacks, then extended to include capabilities for avoiding fraudulent transactions and optimizing business strategies.
With an overall score of 4.41 out of 5, Kount blasted away the competition; Sift was a distant second at 4.01. As you add solutions, Kount becomes more costly, but it offers the most comprehensive protection, from fraud and account protection to chargeback dispute tools. The only thing it lacked was true representation.
Please see the sections below for a complete list of our assessment criteria.
20%
Preventing Chargebacks Before They Happen
40%
Dispute Resolution and Chargeback
10% of the overall score
The prices for the services aren’t listed since they vary depending on the tools, sales volume, and chargeback volume. As a result, we sought for a company that offered a variety of possibilities, had no monthly minimums, and had no contractual commitments. ClearSale, ChargebackHelp, and Midigator received the highest marks.
20% of the overall score
We feel that the best approach to avoid a chargeback is to discover it early, therefore we sought for fraud prevention technologies and features that may prevent friendly fraud before it occurs. Signifyd came in second with a flawless score for all of its fraud protection solutions, followed by Kount. About half of the respondents received a 1 out of 5 or worse, however this is due to their concentration on what happens after a transaction is completed.
40% of the overall score
These are the tools you hire a chargeback service for: alerts, dispute handling, Representation of chargeback, and a guarantee or reimbursement of fees if something slips through the cracks. Experts in Chargeback took top billing here with 4.5 out of 5.
15% of the overall score
We looked for modern, user-friendly dashboards, Dispute resolution software on the app, and other UI tools. Extra points went to those with strong reports and personalized recommendations. Sift and Chargebacks911 got perfect scores
15% of the overall score
Our overall opinion of quality, the claimed success rate, and user reviews on third-party review sites were also considered. Signifyd, Midigator, and Kount all received perfect ratings.
*Percentages based on total score
Conclusion
Chargebacks eat into your profitability, not just in terms of missed sales and income, but also in terms of chargeback costs. They are the result of fraudulent charges, as well as merchant mistake, consumer forgetfulness, and misplaced deliveries. If chargebacks are depleting your revenues, one of the chargeback protection services listed above may more than pay for itself.
Overall, we recommend Kount for the most complete protection. Its tools do more than help with chargeback disputes. It prevents fraudulent transactions while ensuring legit purchases are approved. It also analyzes fraud and chargeback activity to help you identify trends and issues and provides other Services tailored to your needs. It can address industry needs as well. Contact Kount and see how it can help you stop chargebacks.
Pay a visit to Kount.
Square chargeback protection is one of the best services for protecting businesses from chargebacks. Square has a wide variety of features that make it easy to use. Reference: square chargeback protection.
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