Chargeflow vs. ChargePay

Chargeflow charges 25% of recovered chargebacks for Automation, while ChargePay offers fixed monthly recovery plans tied to Shopify tiers. A flat plan can cost less when recovered dollars are high enough and outcomes are equivalent; success-based pricing avoids a fixed Automation bill when nothing is recovered. Compare the actual integrations, eligible cases, alerts and net recovered revenue alongside the fee model. This article covers ChargePay Inc., the chargeback app.

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Which ChargePay Is This?

Search "chargepay" and you will find two unrelated names. This comparison covers the chargeback app: ChargePay Inc., which lists a Lewes, Delaware business address and runs the ChargePay Shopify app launched on April 16, 2020. The other is Chargepay B.V., a billing entity that appears in descriptors such as "VendoStore*Chargepay." If you are trying to identify a charge on your statement, that is a billing question, not a chargeback software one.

Chargeflow vs ChargePay at a Glance

Chargeflow pricing checked November 2, 2026: Automation 25% of recovered chargebacks; Alerts $29 per deflected chargeback, with volume pricing available; Prevent $0.10 per scan. New customers’ first 1,000 scans are free once, valid for three months after activation; the introductory allowance is available through December 31, 2026. Current Prevent pricing and allowance terms.

Chargeflow Overview

Chargeflow was founded in 2021 by Ariel and Avia Chen. It has recovered $200M+ for merchants in 90 countries and protects $50B+ in transactions. Customers include Caraway, Huel, Olipop and HexClad.

Características principales

• Automation: end-to-end disputes and inquiries, a 100% submission rate, AI evidence from 1,000+ data points, ChargeScore®, ChargeResponse®, Compelling Evidence 3.0 support and InquiryAutomation for PayPal, Klarna, Afterpay and eBay.
• Alerts: Visa and Mastercard powered pre-dispute alerts that cut chargebacks by up to 90%, live within 24 hours.
• Prevent: pre-shipment fraud scoring.
• Insights: a free dashboard with ratio threshold notifications.
• Connect: embed, white-label or API access for platforms.

Precios

• Automation: 25% of each recovered chargeback, only on wins, no cap, with a 4x ROI guarantee.
• Alerts: $29 per deflected chargeback, better rates above 50 per month, zero-duplication-charge guarantee.
• Prevent: $0.10 per scanned transaction, first 1,000 scans free once for new customers. Insights: free.
• No setup fees or long-term contracts. See the Chargeflow pricing page.

Puntos fuertes

1. You pay only when money comes back, and the 4x ROI guarantee caps the downside.
2. 100+ native integrations, so one tool covers Shopify, WooCommerce, Adyen, Stripe, PayPal, Braintree and Klarna.
3. Alerts are billed per deflected chargeback, not per alert, with no double charge.
4. SOC 2 Type 2 certified.

ChargePay Overview

ChargePay Inc. lists El Mehdi as founder and CEO and Youssef as co-founder and CTO on its About page. G2 lists a 2020 founding year. ChargePay states it protects $58M+ in revenue for 3K+ Shopify stores.

Características principales

• AI Evidence: builds evidence per reason code and submits responses with order records and receipts.
• Win Score: a win-probability rating for each dispute.
• Smart Alerts: Ethoca, RDR and CDRN alerts as an optional add-on.
• Fraud screening: AI identity and order validation to block risky orders.
• Tracking: dispute status, deadline email alerts and analytics.

Precios

• Per ChargePay's pricing page: Basic $19.99, Grow $39.99, Advanced $79.99 and Plus $99.99 per month, matched to your Shopify plan.
• Unlimited chargebacks and no share of wins. Annual billing saves 20%. 7-day free trial.
• Alerts: $29 per Ethoca alert and $19 per RDR or CDRN alert, per its Shopify listing.
• No contracts, setup fees or minimums. Human win-rate consulting is a paid add-on.

Puntos fuertes

ChargePay holds a Built for Shopify badge and offers a 7-day free trial.

Limitaciones

1. Plan tiers follow Shopify plans, and its app description names only Shopify Payments, Stripe and PayPal as dispute sources.
2. Its win rate appears as 80%, 85% and 90%+ across its own pages, and its FAQ does not say whether you can review responses before submission.

Feature Comparison

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Pricing Comparison

Flat Fee vs Success Fee: Worked Example at Three Order Values

Illustrative calculation. Recovery is conditional on winning. Retained amounts shown before separate processor fees, goods, shipping and internal work are not net profit.

A flat plan bills you every month, whether or not a single dispute comes back. Chargeflow Automation charges 25% only on recovered chargebacks, so every fee comes out of money you already won, backed by a 4x ROI guarantee. The table shows what Chargeflow charges at three order values; your processor's own dispute fees apply on top.

Two takeaways:

• You retain 75% before processor fees and other costs of every recovered chargeback and never pay for a dispute you lose.
• In a month with no wins, Chargeflow Automation’s recovery fee is $0, while a flat plan still bills its monthly fee.

Do not compare advertised win rates directly. ChargePay calls its 85% an average across stores. Ask both vendors to calculate results on your own past disputes. Our chargeback management cost comparison walks through the same math for other vendors.

Per Alert vs Per Deflected Chargeback

Alerts come from Mastercard's Ethoca and Visa's Verifi (CDRN and RDR). One disputed order can trigger an alert on more than one network. ChargePay bills each alert by type, per its Shopify listing. Chargeflow bills only per deflected chargeback, with better rates above 50 per month, and guarantees you are never billed twice for the same dispute. ChargePay's pages do not say how overlapping alerts on one dispute are billed, so ask before you enable both networks. Our guide to CDRN and Ethoca alerts explains how the networks differ.

Alerts matter for more than cost. Stripe's monitoring program documentation says card programs "don't consider dispute outcomes," so a won chargeback still counts toward your ratio, while disputes resolved through pre-dispute products are excluded from Visa's VAMP count. Visa's VAMP fact sheet lowered the excessive merchant threshold in the US, Canada, EU and Asia Pacific from 2.2% to 1.5% on 1 April 2026, with at least 1,500 monthly disputes and fraud reports. Check where you stand with the VAMP calculator.

Which Disputes Each Tool Covers

Inquiries matter because, per Stripe, an unanswered inquiry can escalate into a chargeback that is likely unwinnable. American Express and Discover use the inquiry stage most often.

Demo Questions and Switching Checklist

1. Can I approve or edit responses before they are submitted?
2. How is your win rate calculated, and what is it for my category?
3. Am I billed per alert or per prevented chargeback, and for duplicates?
4. Which processors and BNPL providers are native integrations?
5. What happens to my price if I change Shopify plans or add a second store?

To switch, export open disputes with deadlines, disconnect the old app from each processor before the new one goes live, and end old alert enrollments so you never refund one order twice. See our guide to switching chargeback providers.

Reviews and Ratings

All figures as checked 2 November 2026.

Chargeflow's 4.5 on Shopify rests on 16 times as many reviews as ChargePay's. ChargePay's website cites a 4.9 Shopify rating; the listing showed 4.5 on our check date.

Why Chargeflow Is the Best ChargePay Alternative

• Wins-only pricing with a 4x ROI guarantee: no Automation recovery fee in a month without recoveries.
• Coverage beyond Shopify: 100+ native integrations.
• Alerts billed per deflected chargeback, never twice for one dispute.
• Inquiry and BNPL automation plus free Insights.
• 100% submission rate with AI evidence from 1,000+ data points.
• Scale and security: 20,000+ merchants, $200M+ recovered and SOC 2 Type 2.

Preguntas frecuentes

Which Platform Fits Your Business

If you are comparing ChargePay alternatives, use the points below to decide.

If you want disputes, alerts and inquiries handled in one place across every platform and processor you sell through, Chargeflow is the better fit. You pay nothing in a month without a win, alerts are billed per deflected chargeback with no double charges, and the 4x ROI guarantee caps your downside.

Still comparing tools? See our best Shopify chargeback solutions roundup.

Ready to pay only on wins? Get Started Now.