16 Best Chargeback Protection Services

Since Our Last Update: Kount has changed its plans to include ecommerce. It offers automatic chargeback representment, although it still works with Midigator.

Pricing

• Essentials Plan (for select ecommerce platforms): Starting at 7 cents per transaction, no minimums, no contracts
• Advanced Plan: Starting at $1,000 per month
• Enterprise Plan: Contact for pricing, volume discounts
• Custom Plan: Contact for pricing, feature-based pricing

Key Features

• AI-driven fraud detection that looks at billions of data points
• Protection against malicious logins
• Data storage and analysis to determine problem areas resulting in potential chargebacks
• Flag known customers to prevent false declines
• Rules setting for automated alerts
• Near Real-Time (NRT) Rapid Dispute Resolution (RDR) reporting

Integrations

• Partners with payment providers such as Chase, Sage, Braintree, and BlueSnap
• Integrates with ecommerce platforms like Shopify and Salesforce Commerce Cloud
• Offers optional third-party subscriptions to data from Ekata and others

Customer Support

• Phone support
• Chat support available by bot or human
• Email support
• Online help center
• Other tools like white papers, webinars, videos, and both live and virtual events

Kount earned the highest score on our evaluation: 4.71 out of 5. It would have scored higher if the advanced plan didn’t have a contract and minimum monthly spend requirements. Thus, it’s best for well-established businesses losing well over $1,000 monthly due to chargebacks. However, it is not the only chargeback management service that requires a minimum—Signifyd has an even higher monthly minimum.

Strengths

• Fraud and pre-transaction chargeback protection: Only Kount and Signifyd have a perfect score for tools that prevent fraud and chargebacks even before the transaction is approved. It has artificial intelligence/machine learning (AI/ML) analysis, 3D Secure, fraud, scoring, and false decline prevention. It even lets you build your own fraud detection rules.
• Personalized chargeback prevention services: Like ClearSale, Kount provides live, personalized evaluation services for companies that have complex business issues, are experiencing sophisticated fraud attacks, or need extra guidance. It also offers an in-depth analysis of business and operational policies to minimize fraud risk.
• Great results, guaranteed: It offers a chargeback guarantee with 100% coverage of eligible fraud-related chargebacks or a KPI-performance guarantee. Customers report an average 83% reduction in manual reviews, a 70% reduction in false positives, and a 99% reduction in chargebacks.

Weaknesses

• Monthly minimum: Unlike most chargeback management services on our list, Kount expects you to pay at least $1,000 a month (Signifyd is $1,500 a month). For chargeback protection with no monthly minimum, consider Verifi, ClearSale, Chargebacks911, Chargeback Gurus, and ChargebackHelp. (It has no minimum for its Essentials plan, which is limited to ecommerce.)

Despite complaints about complex processes, it had the second-highest user approval rate: 4.74 out of 5 stars, averaged over multiple third-party user review sites. Here are some of the most common comments:

Pricing

• Call for a quote

Key Features

• Uses Verifi, Ethoca, and 3D Secure technology for validating transactions
• Has chargeback alerts, so you can respond before fees are applied
• Can integrate with Visa Merchant Purchase Inquiry (VMPI) engine
• Chargeback representment
• Chargeback Predictive Engine called ARI
• Root-Cause Analyzer lets you identify vulnerabilities based on 40+ data points

Integrations

• Offers 91 integrations for payment processors, gateways, CRM, and ecommerce like Zendesk, Wells Fargo, Paysafe, HelloSign, FlexPay, Ethoca, Authorize.net, and Converge Pay

Customer Support

• Phone support
• Email and Skype support
• FAQs, e-books, and guides

Chargeback Gurus also offers a satisfying spectrum of chargeback and dispute tools, is easy to use, and scored well for pricing. It claims a 50% prevention and a 70% win against chargebacks. Moreover, if you do not see your chargebacks declining and your income increasing, you can quit and get your money back.

With a 4.28 out of 5 on our rubric, Chargeback Gurus fell behind Kount because it doesn’t let you build fraud detection rules, and it had a lower overall score for ease of use. The lack of user reviews on third-party sites hurt its score as well.

Strengths

• Reports: While all the chargeback prevention companies provide some reports, Chargeback Gurus 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.
• Chargeback Predictive Engine: ARI analyzes transactions using order, transaction, and fraud data to develop a chargeback predictive score to help you decide on your next steps.

Weaknesses

• Individual service fees: The individual fees for the different services offered by Chargeback Gurus effectively makes each one available with an extra add-on fee.
• Does not let you manually set rules: While its analysis can show you reasons for chargebacks, it does not let you manually set screening rules. (The screens are automatic.) Consider Kount, Signifyd, Sift, or Verifi if you want this particular tool.

We did not find any user reviews for Chargeback Gurus on third-party review sites like Capterra or G2. Guru’s website lists success stories that say users have saved hundreds of thousands of dollars and recovered up to 70% of chargebacks.

Pricing

• Custom pricing; call for a quote. Minimum $1,500.

Key Features

• Adaptive AI/ML that delivers actionable insights
• IDs multiple fraud anomalies automatically
• Guaranteed protection of approved orders
• Customer abuse scores
• Unauthorized reseller protection
• Automated chargeback recovery

Integrations

• Integrates with ecommerce platforms like BigCommerce, Magento, Salesforce, Commerce Cloud, and Shopify
• Also works with financial institutions like Worldpay and Authorize.net, plus developers like Tomorrow, Valtech, and Absolute Web
• Custom API

Customer Support

• Contact form
• Support portal

We gave Signifyd 4.27 out of 5 in our evaluation, with a perfect expert score for quality of features and effectiveness and only losing points on ease of use because it lacked personal recommendations (only a few, like Kount, Sift, and Chargeback Gurus do this). It can provide analyses that you can act upon, however, and its pre-transaction charge prevention offerings are among the strongest.

Signifyd is available in over 100 countries, which is a much higher number than most other chargeback protection companies (for reference, Visa’s Verifi works with just over 40). It has the best guarantee of all the best chargeback software we’ve seen, paying not only chargeback fees but shipping and other fees of products sent resulting from a fraudulent purchase the system approved. However, it does not guarantee the delivery of digital items.

Strengths

• Additional fraud tools: Like Sift, Signifyd can provide more than chargeback protection. Its commerce protection platform includes account abuse prevention to protect you from customers taking advantage of businesses through coupon misuse or item-not-received complaints. It also offers tools to prevent return abuse.
• 3D Secure: Signifyd uses 3D Secure as part of its verification procedures. Only Kount and Chargeback Gurus incorporate this tool; the rest don’t mention it or say they work alongside other tools that use it. All transactions in the EU must be 3D Secure, but not every chargeback protector uses it for data.

Weaknesses

• Minimum $1,500 monthly spend: Its biggest hit came in pricing, requiring a $1,500 monthly spend and 30 days’ notice to cancel. This means a merchant will pay a minimum of $1,500 per month regardless of their actual transaction volume for the month. It is the most expensive on our list; most do not have a minimum at all. This makes Signifyd suitable only for large-volume merchants.
• No phone support. The only way to get customer support from Signifyd is through an online contact form. Although many users rarely need to contact support, having customer support available via phone, even on a limited basis, can greatly help when issues arise.

Real-world users give this chargeback protection company 4.27 out of 5 stars; it also has the most reviews of those on our list. Comments included:

Pricing

• Call for a quote

Key Features

• Data sharing with issuer call center or cardholder self-service
• Automated responses to disputes before charges are levied using seller-defined rules
• Financial resolution (refund) capability through Visa
• Dispute processing
• Reporting dashboard with KPIs and performance data

Integrations

• Integrates with payment processing services like Bank of America, Chase, BlueSnap, Vantiv, and Merchant Solutions
• Integrates with other chargeback management services

Customer Support

• 24/7 phone support
• Live chat
• Contact form
• Online knowledge base

Verifi earned a 3.88 out of 5 in our evaluation, with good but not outstanding scores. It lost points because it doesn’t protect against false declines or pay chargeback fees, and its overall chargeback decrease is slightly below the best on our list. However, it offers good reports and excellent deflection services.

It helps prevent chargebacks by sending fraud notifications as soon as they are confirmed by the bank or card authority. Verifi can also send notices of stop payments, so you can cancel orders or subscriptions accordingly. It reports lost or stolen Visa cards, so you can block them. Overall, it claims businesses will experience up to a 42% reduction in dispute rates.

About half the services on our list offer full management and representation when chargebacks occur. With Verifi’s program, you get a reporting dashboard with KPIs and performance and business summaries. This lets you uncover weaknesses leading to chargebacks and helps track Verifi’s success in disputing chargebacks for you.

Strengths

• Link to Visa: While some services, like Chargebacks911, link with Verifi or the Visa Merchant Purchase Inquiry program, Verifi offers direct access to Visa’s alerts and information without paying extra.
• Transaction details: Access to detailed transaction data can help prevent friendly fraud by consumers who don’t recognize or remember a sale. Verifi gets this directly from Visa, and you won’t find this tool with ClearSale, Chargeback Gurus, and Midigator.

Weaknesses

• No false decline prevention: Almost as important as preventing fraudulent transactions is avoiding false declines. Consider ClearSale, Sift, Kount, and Signifyd.
• No chargeback reimbursement: Unlike ClearSale, Kount, Signifyd, and Chargeback Gurus, Verifi does not reimburse you for chargebacks, even those that slip through the system.

We only found two user reviews for Verifi, and on one site, the reviews were obviously false or misplaced. The score averaged 3.75 out of 5, but given the quality of the reviews, we would not recommend making a decision based on it. In fact, in our rubric, we gave a higher score based on its reputation as a Visa product and use by other chargeback protection companies.

Pricing

• Call for quote; unspecified minimum fees
• May charge 1% interest for unpaid fees
• Contract required; automatic renewal; 60 day’s notice to terminate

Key Features

• Account analysis
• Enrollment in Visa Merchant Purchase Inquiry
• AI-powered automated responses to chargeback alerts
• Compiles evidence to accompany response letter
• Add-ons for account defense, fraud prevention, protection against malicious content, and more

Integrations

• Integrates with most payment technologies including, PayPal, Stripe, Vantiv, Authorize.net, and Worldpay
• Works with Shopify, Magento, WooCommerce, and PrestaShop
• Offers an API for integrating into other software solutions
• Integrates with Verifi and Ethoca for card processing information

Customer Support

• Variety of self-serve support options such as response templates, a knowledge base, ebooks, guides, videos, and reason codes
• Email support

Sift fell in ranking, with a new score of 3.86 because its pricing score went down. Sift has a contract with strict terms and minimum fees, although you need to call for a quote. Nonetheless, it has excellent chargeback prevention and resolution tools but lost points because it lacks representment and does not repay chargeback fees. Nonetheless, it is easy to use, has a real-world user rating of 4.58 out of 5 (averaged over multiple review sites), and is highly effective.

Strengths

• More payment protection tools: Sift offers robust fraud prevention tools to stop bad transactions before they happen. (About half the services on our list, like Chargebacks911 and Midigator, specialize in reacting after a chargeback occurs.) One callout example is creating your own fraud rules for any known red flags. Many on our list don’t do this.
• Protect against false positives: Sift has an “Insult Monitor” that flags potential false positives, so you can manually approve them to prevent denying a legitimate customer a sale. Many chargeback protectors, including Verifi, lack this function.
• White list: You can unblock trusted customers so that they are approved every time. Only a few chargeback management services do this.

Weaknesses

• No chargeback representment: Sift provides the tools and information 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, Chargeback Gurus, and Verifi.
• No guarantee: It does not refund fees for chargebacks it missed (ClearSale and Kount do).
• Contract terms: You will need to sign a long-term contract with Sift, which their terms say renews annually and requires 60 day’s notice to leave. Further, they reserve the right to charge 1% interest on any fees not paid on time. These are the strictest terms we’ve found.

Real-world users on the third-party review sites Capterra, G2, and Trustradius, give Sift an average of 4.58 out of 5 stars. Here’s what they noted

Pricing

Disputifier is the only one of the chargeback prevention companies on our list that posted all its pricing on its website. You pay for the services you want.

• Pay As You Go: Pay for wins only; 500% ROI guaranteed
  • Month-to-month: 20% of recovered revenue
  • Annual: 12% of recovered revenue (Note: payment is in advance based on previous year’s unsolved chargebacks)
• Prevention: 5 cents per order
• Alerts: Custom pricing
• Resellers: Set your own price for your customers

Key Features

• Whitelabel functionality for resellers
• 500% ROI guarantee, defined by recovered revenue + (minutes saved x .5) / cost
• Automatic chargeback alerts
• Partnered with Verifi and Ethoca
• Prevents chargebacks due to unreceived orders
• AI-powered fraud scanning
• Unlike Signifyd, it works with digital products, too

Integrations

• Works with Shopify, Checkout Champ, OrderLogix, or Sticky
• Building a universal CRM portal (in beta)
• Integrates with every payment processor for customized chargeback disputes

Customer Support

• Live chat
• Email
• No online help files

With 3.83 out of 5, this newcomer to our list earns a strong spot in part because it’s the only one to have a perfect score for pricing. However, its chargeback tools are excellent, losing points only because they cost extra. It doesn’t have as many chargeback prevention features as our higher-ranking products, however.

Like Signifyd, Disputifier provides chargeback protection for merchants in ecommerce, including tools for dealing with lost shipments; however, it will work with digital products. It’s also unique in that it lets you resell its services under your own label. Finally, it charges only by wins, and if you are not seeing a 500% return on your investment, it stops charging you until you achieve 500% ROI.

Strengths

• Automated customized responses: Each response uses hundreds of data points and considers the financial institution when crafting the most effective reply. It not only works for physical products, but also digital, including subscriptions. Disputifier consistently uses A/B testing of responses to improve their win rate. They say they increase wins by 67% on average.
• Order Not Received Prevention: By tracking physical orders and sharing the information with your customers, Disputifier can cut order unreceived disputes by up to 80%.
• White-label resells: Perfect for ISOs, agents, and PayFacs, Disputifier offers all its tools for resale. You can label them with our own brand, self-onboard and manage your merchants, embed Disputifier into your own portal, and keep all the markup. Disputifier also has a generous referral program.

Weaknesses

• No manual control: Disputifier is 100% automated, which makes it easy for you, but does not allow you to whitelist customers, set your own fraud prevention rules, or add your own arguments to chargeback disputes.
• Not for physical stores: If you have a brick-and-mortar business, most of the others on our list (except Signifyd) are better suited for you.

We only found reviews on Shopify’s app store; however, the 30 reviewers gave it an average 4.8 out of 5, which is the top score for the best chargeback protection companies on our list.

Pricing

• Call for a quote

Key Features

• Affiliate fraud protection and prevention
• Fraud analysis for source detection
• Merchant compliance reviews to prevent merchant errors
• Merchant account cost analysis for cost reduction
• High-risk merchant support
• Chargeback alerts

Integrations

• Powers 944 industry integrations
• Integrates with 40 different CRM platforms
• Custom integration—sets up a workaround with any platform to engineer a complete integration
• APIs

Customer Support

• Knowledge base and online guides
• Online contact request form
• Email support

Chargebacks911 earned 3.78 out of 5 in our evaluation, an excellent score considering the lack of fraud prevention tools. Like many services ranking below Chargebacks911, its focus on dispute management and chargeback resolution means it received a low score on our rubric for fraud prevention. Nonetheless, it earned high marks on chargeback resolution, ease of use, and overall quality of features.

Chargebacks911 won multiple awards in 2023 for its technology and effectiveness in the payment processing sphere. It works with around two dozen industries and just about any currency to provide international coverage. In addition to ecommerce, travel, and digital industries, it has customizable programs for larger businesses and solutions for financial institutions. Chargebacks911 also offers a merchant account cost analysis to determine how to reduce your credit card processing costs.

Strengths

• Affiliate Fraud Shield: If you work with affiliates, you could be at risk of paying commissions on bogus sales through affiliate fraud. Chargebacks911 is the only service on our list with a program designed to safeguard against this.
• Prevent merchant error: Chargebacks911 says half of all chargebacks are caused by merchant error. To help alleviate that, it has a 106-point noncompliance check of merchant processes to catch errors before they occur. No other service we reviewed offers such a program, although ClearSale and Kount provide live consultation.
• High-risk merchant accounts: Chargebacks911 works with merchants with any merchant category code, including those that fall under the high-risk categories.

Weaknesses

• No fraud prevention: In our rubric, ChargebackHelp has a low 1.88 out of 5. It works with 3D Secure and has AI/ML but for fraud recovery not prevention. Note: This score did not look at affiliate fraud, which is a separate program.
• Does not pay chargeback fees: Unlike others on our list, such as Chargeback Gurus and Kount, Chargebacks911 does not reimburse you for fees incurred by chargebacks it was unable to deflect.

Char4gebacks911 earned a 4.55 out of 5 over multiple review sites. While a high score overall, it was average for those on this list. The reviews are also over two years old. People seemed mostly satisfied with it, however.

Pricing

• Charges are based on services provided; contact ​​Midigator for a quote

Key Features

• In-depth analytics
• Account reporting dashboard
• Chargeback alerts and custom notifications
• Dispute flows to reduce time spent on disputes

Integrations

• Integrates with Verifi and Ethoca for real-time alerts
• Integrates with Stripe, Shopify, Authorize.net, Worldpay, Paysafe, and other payment systems for transaction data

Customer Support

• Online resource center where you can view reports and tutorials, access a chargeback reason code directory, and pull templates and sample documents
• Chatbot (through Kount)
• Email support

We gave Midigator a 3.71 out of 5—just a hair above the average for this list. It had the lowest score for fraud and pre-transaction chargeback prevention, but that reflects its focus. Midigator got perfect scores for quality of features and effectiveness and only lost points on ease of use 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.

Strengths

• Improved ROI for chargeback defense: While other chargeback protection services brag that they dispute 100% of chargebacks, Midigator’s software analyzes chargebacks for conditions like evidence and costs associated with defense. If it fails to meet guidelines, then Midigator will not defend. This may affect how many you win, but it may save you money and time in the long run.
• 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 Chargeback Gurus, ChargebackHelp, and Sift also use Mastercard’s system, though most offer it as a separate integration.

Weaknesses

• Weak fraud prevention tools: Midigator, like others on this list, defends against chargebacks but does not prevent them. Its platform provides the data and order information that will allow the user to do their own analysis and decide on their next course of action. The lack of actual fraud prevention capability makes it suitable for those who want a more hands-on fraud prevention approach. For fraud prevention tools, consider Kount, Sift, and Signifyd.
• No guarantee: Kount, Chargeback Gurus, Signifyd, and ClearSale reimburse you at least your chargeback fees for each lost case, while Disputifier only charges you for the cases you win. Midigator does not have a similar guarantee.

Midigator had an average user review score of 4.34—high but below average for those on this list. It did, however, have 58 reviews; half of those we considered had fewer than 10 reviews. Here are some qualities users noted:

Pricing

ClearSale has three pricing schemes:

• KPI, where pricing is based on the number of approved actions. If they exceed the KPI, you’ll get a discount next quarter.
• Performance-based, where you pay a fixed percentage of every approved transaction. The percentage is determined by sales volume, business goals, and risk profile. ClearSale pays for any fraudulent transactions that result in a chargeback.
• Custom, which is a hybrid of the KPI and performance.

Key Features

• Fraud scoring using AI/ML
• Manual checks of transactions failing AI fraud scores
• Protection from false declines
• Blocking fraudulent transactions
• Reimbursement for chargebacks caused by missed fraudulent transactions (with Guaranteed Protection plan)

Integrations

• Integrates with about a dozen ecommerce platforms, including Magento, Shopify, Oracle, and BigCommerce
• API for custom integrations
• Mobile software development kit (SDK) for Android and iOS app integrations.

Customer Support

• 24/7 technical support
• Phone support
• Email support
• Contact form
• Knowledge base

With 3.48 out of 5 on our rubric, ClearSale is a solid service with most tools you need for chargeback prevention and dispute management. It scored high for pricing because of its choice of plans and lack of contracts or minimum fees. While it lost points for not letting you create fraud detection rules, it makes up for it by evaluating suspicious transactions twice to reduce friendly declines. It also took a hit for not having representment.

ClearSale AI scans each transaction, assigning a fraud score based on factors like order information, device, and behavioral data. If a transaction fails the fraud score, it’s then checked manually by ClearSale’s review team, composed of 1,500+ fraud analysis experts.

The provider offers a guarantee plan that reimburses you for any missed frauds resulting in chargebacks. Or, you can purchase the key performance indicator (KPI) plan, where you and ClearSale set KPIs, and you get a discount if ClearSale doesn’t meet them. Kount also has a KPI-dependent warranty.

Strengths

• Human and AI fraud checks: ClearSale is unique in that it employs both AI/ML and human evaluation of each transaction. This provides an extra layer of protection against false declines and sneaky fraud.
• Fraud consulting: While other services provide white papers and general tips or have dashboards where you can analyze your fraud, ClearSale offers consulting services. You’re paired with a fraud protection expert in your industry who analyzes your current methods and makes recommendations—without an upsell to its platform. (Fees apply.) Kount also has an assessment program.

Weaknesses

• No integrated chargeback response tools: ClearSale only prevents chargebacks. Most other chargeback prevention companies in this guide have tools for addressing disputes.
• No representment: ClearSale does not dispute chargebacks. For representation, consider Signifyd, Chargebacks911, Chargeback Gurus, and ChargebackHelp.

Real-world users reviewing on G2 gave ClearSale 4.7 out of 5 stars, with 181 reviews, which makes it one of the best chargeback protection services in terms of user satisfaction. Here’s what they had to say:

Pricing

• Call for pricing information

Key Features

• Chargeback representment
• Automatically refund money to customers with legitimate disputes
• Manual or automated chargeback response
• Merchant accounts
• BILLAPAY payment gateway
• Managed alerts

Integrations

• Integrates with CRMs, payment gateways, and major card networks
• Partners with Verifi, CDRN, and Ethoca

Customer Support

• Phone support
• Email support
• Knowledge base and code guide

ChargebackHelp earned 3.28 out of 5 (for comparison, the list average is 3.5). Like Midigator, it had a low score for pre-transaction chargeback protection because that’s not its focus. However, it also took hits for not paying chargeback fees like many competitors and not providing personalized tips. Other individual functions were there, but not as high-quality as, say, Kount or Chargebacks911. Nonetheless, it made an excellent showing for chargeback resolution tools, reports, and dispute management.

Strengths

• Automated dispute management: If your disputes are basic, you can set ChargebackHelp to handle them automatically. You can also set up rules for issuing refunds through ChargebackHelp’s integration with Verifi.
• Payment gateway: If you need a payment gateway, ChargebackHelp offers BILLAPAY. It offers 3D Secure authentication, PCI compliance, and, of course, ChargebackHelp’s chargeback protection. No other chargeback protection company on our list has its own payment gateway, although at the bottom of this article, we list some gateways with their own chargeback protection.

If you are looking for other payment gateway options, check out our evaluation of the leading payment gateways.

Weaknesses

• Anemic help section: The online knowledge base and FAQs are sparse and more geared toward marketing than answering in-depth questions. Midigator has a more robust product knowledge base, while Sift offers a wide range of ebooks, webinars, and infographics with tips for avoiding fraud.
• Little fraud/chargeback prevention: Like several services on our list, ChargebackHelp focuses on reacting to chargeback claims. If you want to be proactive in stopping fraud or false denials, Kount, Signifyd, and Sift are your best bets.

We did not find any reviews from real-world users. ChargebackHelp does have a testimonial page. Users there say it helps them stay compliant and avoid chargebacks. They said the support team was friendly.

• No extra fee for protection
• $20 for lost, undisputed chargebacks

• Dispute management tools
• AI/ML fraud protection tools for qualified merchants
• Full reimbursement if you prove an order was delivered but buyer claims it was lost

PayPal scored an average of 4.58 out of 5 stars on third-party sites like Capterra, G2, and Trustradius. Reviews, however, do not discuss its chargeback, but rather praise its ease of use, while there are many merchant complaints of frozen funds.

• Chargeback representment
• Monitors payments
• Sends alerts if there’s unusual activity
• Create fraud rules
• Explains reasons for suspicious payments

Square users rate it 4.6 out of 5 over multiple review sites. Its chargeback tools are not reviewed, however. Instead, people praise the POS platform, especially for mobile sales, but like PayPal, has had complaints about withheld funds. Some people also complain that it does not work well with weak internet or when offline.

• $15 chargeback fee
• Radar fraud protection: 5 cents per transaction, waived for accounts with standard pricing
• Radar for Fraud Teams: 7 cents per screened transaction, 2 cents for accounts with standard pricing
• Chargeback protection: 0.4% per transaction

• AI/ML fraud detection
• 3D Secure
• Customizable rules, block, and allow lists
• Reports

Stripe had an average 4.54 out of 5 from users reviewing on third-party sites. People complain about the price of the payment processing overall and say they can be slow to get payouts. Most agree it’s very user-friendly for integrations and ecommerce, however.

• Custom pricing; generally around 1% of the transaction value

• 400% ROI guarantee
• Fraud monitoring included in Shopify plans
• Shopify reimburses for damages and chargeback fees
• Fraud/chargeback statistics tracked in Shopify

Overall, Shopify earned an average of 4.51 out of 5, and like the other payment processors that provide chargeback protection for merchants, reviewers were looking at the overall product. They say the shopping cart software is easy to use even for beginners, but there were complaints about the support staff not being especially helpful. They also complain about the cost.

• Charges you for the service they enroll you in

• Integrates with Kount and Chargebacks911
• Customizable rules
• Device fingerprinting
• 3D Secure
• Representment

Bluesnap had the lowest user satisfaction score on this list, but it’s still high: 4.15 out of 5. We did see fraud support mentioned, in that the system is secure; chargeback support was not commented on. Overall people said it was flexible and easy to use, but sometimes, they had delays in payments.

• Call for a quote

• AI/ML monitoring
• Custom rules
• Chargeback representment
• 100% chargeback guarantee
• Automated responses

Bolt users gave it 4.29 out of 5 stars, averaged over reviews on Capterra, G2, and Trustradius. However, recent reviews have not been good, with complaints about the sales staff making false assertions and software glitches. Positive reviews praise the ease of use. It should be noted that the most recent review was December 2022.