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Chargeflow vs. Signifyd
Chargebacks?
No longer your problem.
Recover 4x more chargebacks and prevent up to 90% of incoming ones, powered by AI and a global network of 20,000 merchants.
600+ reviews
TL;DR:
- Chargeflow brings recovery, alerts, post-purchase screening and analytics into one platform.
- Signifyd offers configurable guarantees and a separate recovery product; check your actual coverage.
- Compare Chargeflow’s recovery and deflection fees with the full Signifyd quote. Prevent scans are billed separately.
- A guarantee reimbursement and a recovery win are different outcomes. Assign each dispute one owner if you use both providers.
Chargeflow is a strong Signifyd alternative when your priority is automated dispute recovery, pre-dispute alerts and transparent product pricing. Signifyd offers checkout decisions with configurable chargeback guarantees, plus a separate automated recovery product. Compare the coverage in your actual plan: reimbursed losses, disputes that still need evidence, and the cost of each workflow. Chargeflow Automation charges 25% of recovered chargebacks, with Alerts, Prevent and Insights addressing other stages of the dispute lifecycle.
- $800K+ recoveredFanatics Live: revenue recovered in its first year with Chargeflow.
- 25+ hours saved weeklyManual dispute work saved, as reported in the Fanatics case study.
Customer-specific results reported by Chargeflow; not a forecast or a comparison with another provider. Read the Fanatics case study.
Get Started Now to connect recovery, alerts and dispute visibility.
Chargeflow vs Signifyd at a Glance
| Category | Chargeflow | Signifyd |
|---|---|---|
| Primary job | Post-transaction chargeback prevention and recovery | Checkout fraud decisions, configurable guarantees and a separate recovery product |
| Pricing model | 25% of recovered chargebacks; $29 per deflected chargeback (Alerts) | Percentage of the order total on each approved order, quote-based (per Signifyd) |
| When you pay | Automation: on recovery; Alerts: on deflection; Prevent: per scan | On every approved order, disputed or not |
| Non-fraud disputes (item not received, not as described, subscription) | Fought across eligible reason codes | Covered only on plans with non-fraud coverage, for "eligible" chargebacks (per Signifyd) |
| Pre-dispute alerts (Ethoca, Verifi CDRN, RDR) | Yes, Chargeflow Alerts | Not listed on Signifyd's product pages (checked 28 October 2026) |
| Contract | No setup fee or minimum commitment on standard plans; enterprise terms are custom | Custom quote; terms not published |
| Integrations | 100+ native, incl. Shopify, Stripe, PayPal, Adyen, Klarna | Plugins for Shopify, Magento, Salesforce Commerce Cloud, BigCommerce, plus API |
| Best for | Merchants whose main loss is chargebacks and friendly fraud | Larger merchants who want to outsource the approve or decline decision |
Chargeflow Overview
Chargeflow is an AI chargeback platform founded in 2020 by Ariel and Avia Chen. It serves 20,000+ merchants in 90 countries, has recovered $200M+ and protects $50B+ in transactions for brands like Caraway, Huel, Olipop and HexClad.
Key Features
- Chargeflow Automation: end-to-end disputes and inquiries with a 100% submission rate, evidence built from 1,000+ data points, ChargeScore and ChargeResponse, card-scheme-compliant evidence including Compelling Evidence 3.0, and InquiryAutomation for PayPal, Klarna, Afterpay and eBay.
- Chargeflow Alerts: pre-dispute alerts across Verifi, Ethoca, Visa, Mastercard and the Chargeflow Network that cut chargebacks by up to 90% and go live within 24 hours.
- Chargeflow Prevent: post-purchase fraud and friendly-fraud prevention that screens orders after authorization and before fulfillment, then auto cancels, verifies or approves them.
- Chargeflow Insights: a free dashboard with ratio threshold notifications and AI recommendations.
- 100+ native integrations, including Shopify, WooCommerce, Stripe, PayPal, Adyen, Braintree and Klarna.
Pricing
- Automation:25% of each recovered chargeback, charged only on wins, backed by a 4x ROI guarantee.
- Alerts:$29 per deflected chargeback, with lower rates above 50 per month and a zero-duplication-charge guarantee.
- Prevent:$0.10 per scanned transaction, first 1,000 per month free.
- Insights:free. No setup fee or minimum commitment on standard plans; enterprise terms are custom. See Chargeflow pricing.
Strengths
- Automation is billed on recovered chargebacks and Alerts on deflections; Prevent scans are a separate charge.
- Handles eligible disputes across reason codes, including friendly fraud, item not received, not as described and subscription disputes.
- Alerts can resolve eligible disputes before filing; network exclusions and separate fraud reports still need to be checked.
- A 100% submission rate and a 4x ROI guarantee on Automation.
- SOC 2 Type 2 and GDPR compliant, with AES-256 encryption at rest.
Signifyd: Scope and Pricing to Verify
Signifyd was founded in 2011 by former PayPal risk specialists Raj Ramanand and Mike Liberty and is based in San Jose, California. It raised a $205 million Series E in April 2021 at a $1.34 billion valuation, according to Wikipedia (citing The Wall Street Journal).
Key Features
- Guaranteed Fraud Protection: instant approve or decline decisions, with fraud chargebacks on approved orders reimbursed.
- Chargeback Recovery: automated representment for friendly fraud disputes.
- Complete Chargeback Protection: extends the guarantee to "eligible fraud and non-fraud chargebacks," per Signifyd.
- Returns Assurance, Account Integrity, Session Intelligence and Authorization Rate Optimization.
- Plugins for Shopify, Magento, Salesforce Commerce Cloud and BigCommerce.
Pricing
- Quote-based. Per Signifyd's pricing page, it charges a percentage of the order total when an order is approved, based on products, vertical, order volume and average ticket.
- No charge when an order is declined for fraud.
- The guarantee can be set from fraud-only to a full chargeback liability shift.
- The Shopify app lists external charges billed by Signifyd; confirm current service terms.
Limitations
- You pay on every approved order, including the large majority that are never disputed.
- Non-fraud coverage depends on your plan and on "eligible" claims, with documented conditions.
- Prices and contract terms are not published.
- Pre-dispute alerts (Ethoca, Verifi CDRN, RDR) are not listed on its product pages.
Feature Comparison
| Capability | Chargeflow | Signifyd |
|---|---|---|
| Fraud prevention | Prevent: post-purchase screening before fulfillment, $0.10 per scanned transaction with the first 1,000 free each month | Core product: approve or decline decisions at checkout backed by a guarantee |
| Friendly fraud representment | Yes, AI evidence from 1,000+ data points | Yes, via Chargeback Recovery |
| Non-fraud reason codes | Yes, eligible cases across reason codes | Via Complete Chargeback Protection, for eligible chargebacks |
| Ethoca and Verifi pre-dispute alerts | Yes, live within 24 hours | Not listed on product pages |
| Inquiry and BNPL dispute automation | Yes, InquiryAutomation for PayPal, Klarna, Afterpay and eBay | Not listed |
| Ratio threshold monitoring | Insights (free), with VAMP and ECM threshold notifications | Not listed as a standalone product |
Signifyd Pricing vs Chargeflow: What Triggers Each Fee?
| Pricing item | Chargeflow | Signifyd |
|---|---|---|
| Dispute automation | 25% of each recovered chargeback, no fee on losses | Not published |
| Pre-dispute alerts | $29 per deflected chargeback, lower above 50 per month | Not listed on product pages |
| Fraud screening | $0.10 per scanned transaction, first 1,000 free each month | Percentage of each approved order total |
| Dashboard and analytics | Insights is free | Included in quote |
| Setup fees | None | Not published |
| Contract length | No minimum commitment on standard plans; custom enterprise terms | Not published |
| Cost to start | No setup fees, free Insights and free to install on Shopify; pay only on results | Custom quote required |
Signifyd Coverage vs Chargeflow: Guarantees, Alerts and Recovery
Chargeback losses come from three places, and each needs a different tool. Read fraud prevention vs chargeback management for the long version.
- Before the sale (fraud screening): stop stolen cards. This is Signifyd's core job.
- Before the chargeback (pre-dispute alerts): refund or resolve when the issuer flags a dispute. This is Chargeflow Alerts.
- After the chargeback (representment): Chargeflow Automation collects evidence and submits eligible responses. Signifyd also offers Chargeback Recovery; compare its separate scope and quote.
Friendly fraud can arise after a legitimate customer places an order. Some disputes still need alerts or evidence after the sale; Chargeflow connects those response workflows.
Signifyd's own documents show where its guarantee has conditions. Its Item Not Received coverage policy reimburses eligible INR chargebacks on guaranteed orders, but requires:
- A tracking number that matches the guaranteed order and shipping address.
- A reimbursement request within 7 days of the chargeback notice.
- A signature of receipt for orders over $1,000.
- No BOPIS orders, and no reimbursement when tracking shows a return to sender.
Those are fair terms, but they mean some disputes fall back on you. Chargeflow responds to every dispute that reaches it, across eligible reason codes, with a 100% submission rate. For more on how these promises differ, see our guide to chargeback guarantees.
A Guaranteed Chargeback Still Counts Toward Your VAMP Ratio
A reimbursement fixes your P&L, not your dispute ratio.
Stripe's monitoring program guide explains that recovery outcomes and network monitoring are separate. Winning a dispute does not erase the original report. Eligible pre-dispute resolutions can be excluded under the applicable rules, while separate fraud reports may still count. Thresholds and exclusions depend on the program, region and acquirer.
So a fraud chargeback Signifyd reimburses still lands on your ratio. What Visa excludes, per Stripe, is a dispute resolved through pre-dispute products. A chargeback stopped by an alert never becomes a dispute in that count. TC40 fraud reports still count unless the transaction qualifies for Compelling Evidence 3.0, which Chargeflow Automation supports, so screening, alerts and strong evidence work best together.
Check where you stand with the VAMP calculator, and read our VAMP guide for the full rules.
True Cost at Three Order Values
Scope of the illustration: recovered revenue is conditional on winning. Provider fees are not total merchant loss: include customer refunds, processor fees, goods, shipping and internal work where applicable. An eligible alert resolution does not automatically remove a separate fraud report.
Signifyd does not publish rates, so the last row uses a hypothetical 0.5% only to show how the fee scales. Ask for your real quote and plug it in.
On smaller screens, scroll the table horizontally to compare all columns.
| Scenario | $60 order | $250 order | $1,200 order |
|---|---|---|---|
| Chargeflow Automation, dispute won | Fee $15, you keep $45 | Fee $62.50, you keep $187.50 | Fee $300, you keep $900 |
| Chargeflow Automation, dispute lost | Fee $0 | Fee $0 | Fee $0 |
| Chargeflow Alerts, chargeback deflected | $29 provider fee plus the customer refund; eligible pre-dispute exclusions may apply | $29 provider fee plus the customer refund; eligible pre-dispute exclusions may apply | $29 provider fee plus the customer refund; eligible pre-dispute exclusions may apply |
| Signifyd, fraud chargeback on approved order | Reimbursed, but you prepaid a percentage on every approved order | Reimbursed, same prepaid fee basis | Reimbursed, same prepaid fee basis |
| Signifyd, item not received on a fraud-only plan | Not covered by the fraud guarantee | Not covered by the fraud guarantee | Not covered by the fraud guarantee (with INR coverage, a signature is required above $1,000) |
| Signifyd fee per 1,000 approved orders at a hypothetical 0.5% rate | $300 | $1,250 | $6,000 |
The billing bases are different: Signifyd’s quoted guarantee fee applies to approved order value, while Chargeflow Automation is charged on recovered amounts. Alerts, Prevent, refunds and processor fees are separate. Compare the same order cohort and the coverage you actually buy; Signifyd’s non-fraud protection and recovery options must be included when relevant.
- Keep the guarantee where it earns its costCheck reimbursed fraud losses and approval performance against the fee on covered orders.
- Give uncovered disputes one ownerRoute eligible cases to the agreed recovery provider. Confirm how refunds and evidence submissions affect guarantee eligibility.
What to Ask Before You Sign or Switch
Use this checklist in your Signifyd demo or renewal call.
- Which reason codes does my plan cover: fraud only, or fraud and non-fraud?
- What are the claim deadlines and evidence rules for each reason code?
- What is my rate, and does it apply to all orders or only guaranteed ones?
- What is the contract term, renewal notice period and minimum spend?
- Do guaranteed chargebacks still count toward my VAMP and ECM ratios? (They do.)
- Do you offer Ethoca or Verifi alerts, and who pays when one fires?
- If I add a dispute tool, who responds on guaranteed orders?
Switching the dispute side takes little effort: Chargeflow connects to your store and processor, and Alerts go live within 24 hours. See how to switch chargeback providers.
Signifyd Reviews vs Chargeflow: Ratings and Merchant Evidence
Read Chargeflow reviews for merchant feedback on onboarding, support and dispute handling. Use customer experiences alongside pricing, coverage and results from your own account.
Ratings below were checked on 28 October 2026 on the same platforms for both vendors.
| Platform | Chargeflow | Signifyd |
|---|---|---|
| G2 | 4.7/5 from 278 reviews | 4.6/5 from 347 reviews |
| Shopify App Store | 4.5/5 from 434 reviews | 4.4/5 from 92 reviews |
Chargeflow leads on both platforms and has more than four times as many Shopify reviews.
Why Chargeflow Is the Best Signifyd Alternative
- Pay on results: 25% of recovered chargebacks, $29 per deflected chargeback, no Automation fee on orders that are never disputed.
- Evidence across reason codes: friendly fraud, item not received, not as described, subscription and duplicate disputes.
- Ratio protection: eligible alerts can resolve disputes before filing; check the applicable network exclusions.
- No lock-in: no setup fees and no minimum commitment on standard plans (enterprise terms are custom).
- Proof at scale: a 100% submission rate, a 4x ROI guarantee, free Insights and $200M+ recovered for 20,000+ merchants.
Frequently Asked Questions
What are the best Signifyd alternatives?
Chargeflow is a strong alternative for merchants prioritizing automated recovery, alerts and published product pricing. Riskified, Forter, Kount, Sift and SEON serve other fraud and dispute needs. Choose by the workflow you need to replace and the coverage in your contract, rather than treating every platform as an identical substitute.
How much does Signifyd cost?
Signifyd publishes a quote-based model: a percentage of approved order value, with the rate depending on the products and merchant profile. Ask for recovery, non-fraud protection, minimums and term length separately. Chargeflow publishes product-specific pricing: 25% of recovered chargebacks, $29 per deflected chargeback and $0.10 per Prevent scan after the monthly free allowance.
Does Signifyd's chargeback guarantee cover item not received disputes?
Only on plans that include non-fraud coverage. Signifyd's core guarantee covers fraud chargebacks on approved orders. Its Item Not Received policy reimburses eligible claims if you have matching tracking, file within 7 days of the chargeback notice, and the order is not BOPIS or returned to sender.
Is Signifyd a chargeback company?
Signifyd is primarily a fraud and commerce protection platform. Its main product decides whether to approve each order at checkout and guarantees approved orders against fraud chargebacks. It also sells Chargeback Recovery and Complete Chargeback Protection, but it does not list Ethoca or Verifi pre-dispute alerts on its product pages.
Signifyd vs Chargeflow: which is better for friendly fraud?
Chargeflow is the better fit when friendly fraud is the main problem. Friendly fraud happens on orders you approved and shipped, so the fix is evidence and prevention after the sale. Chargeflow builds evidence from 1,000+ data points, deflects disputes with alerts, and charges 25% only on chargebacks it recovers.
What is the difference between Signifyd and Riskified?
Both offer checkout fraud decisions and guarantee products, and both also offer dispute recovery products. Compare the specific guarantee coverage, recovery scope, integrations and quote. Chargeflow offers a focused alternative for automated recovery, alerts, post-purchase screening and analytics with published product pricing.
Can you use Chargeflow and Signifyd together?
Yes, subject to your agreements and integration setup. Keep guaranteed disputes with the designated owner and identify which uncovered cases Chargeflow should handle. Confirm refund rules, alert enrollment, evidence access and submission ownership so two systems do not act on the same case.
Which Platform Fits Your Business
If you are comparing Signifyd alternatives, use the points below to decide.
Choose Chargeflow when you want one connected workflow for eligible dispute recovery, alerts, post-purchase screening and free analytics. Use your Signifyd contract to identify which losses are guaranteed and which still need recovery. Compare net recovered revenue and team workload before moving a workflow or adding another provider.
Already running a checkout fraud tool? Chargeflow works next to it and covers the disputes a fraud guarantee leaves behind. For more fraud-platform comparisons, see Riskified vs Forter.
Put recovery, alerts and merchant visibility in one workflow. Get Started Now.
Explore Related Chargeflow Comparisons
Compare the broader provider landscape in our Chargeflow alternatives guide. For a shortlist by use case, see Signifyd alternatives.
Chargebacks?
No longer your problem.
Recover 4x more chargebacks and prevent up to 90% of incoming ones, powered by AI and a global network of 20,000 merchants.
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