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ChargePay

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About

ChargePay is an AI-powered chargeback management platform specifically designed for e-commerce businesses operating on Shopify. Its primary purpose is to help store owners mitigate the financial impact of card-not-present disputes by automating the entire recovery process. By utilizing an "Agentic AI" model, the platform identifies potential chargebacks before they occur and manages the response phase when disputes are filed, significantly reducing the manual labor typically associated with payment operations. This allows businesses to maintain a lean operation while ensuring that they are aggressively defending their earnings against friendly fraud and transaction errors. The tool works by integrating directly with Shopify stores and payment gateways to gather evidence and intelligence automatically. It features a proprietary system called WinResponse®, which leverages AI to analyze data and calculate a PredictScore® for every dispute. This score helps determine the most effective approach for winning back lost revenue. Once a dispute is triggered, the AI agent automatically compiles and submits the necessary documentation to the relevant financial institutions, maintaining a hands-off experience for the merchant while ensuring high-quality evidence submission that adheres to the specific requirements of various banks and processors. ChargePay is ideal for Shopify merchants ranging from small boutiques on the Basic plan to large-scale enterprises using Shopify Plus. It is particularly beneficial for high-volume stores where manual dispute management becomes a bottleneck or for brands seeing a rise in chargeback rates that threaten their payment processing standing. Because it operates on a flat-fee model rather than taking a percentage of recovered funds, it is a cost-effective solution for businesses looking to scale their operations without increasing their overhead or sacrificing their revenue to contingency-based services that take a cut of every win. What distinguishes ChargePay from traditional chargeback services is its deep integration with the Shopify ecosystem and its focus on "Agentic AI" rather than simple template-based responses. While many competitors charge a commission on every won dispute, ChargePay offers transparent, flat-rate pricing based on the merchant's Shopify tier. This allows for unlimited dispute handling without hidden costs. Additionally, its reported 85% win rate is significantly higher than industry averages, providing merchants with a more reliable way to protect their bottom line and improve their reputation with payment gateways through professional and data-backed dispute responses.

Pros & Cons

Offers a high 85% win rate which is significantly above the industry average for manual teams.

Flat-fee pricing ensures merchants keep all their recovered revenue without paying commissions.

The Agentic AI model provides a fully automated, hands-off experience for busy store owners.

Direct integration with Shopify allows for quick setup and automated data gathering.

Chargeback alerts require an additional per-alert fee on top of the monthly subscription.

Platform support is currently limited to businesses operating on the Shopify platform.

Use Cases

Shopify store owners can automate the entire dispute response process to recover revenue without hiring additional staff.

E-commerce operations managers can use PredictScore to understand the likelihood of winning disputes and optimize gateway reputation.

High-volume Shopify Plus brands can manage thousands of potential chargebacks automatically to maintain high profit margins.

Merchant teams can utilize pre-dispute alerts to block fraudulent transactions before they become official chargebacks.

Platform
Web
Task
chargeback fighting

Features

shopify app integration

automated evidence collection

centralized revenue dashboard

pre-dispute alerts and blocking

unlimited chargeback recovery

predictscore® dispute analysis

winresponse® automated technology

agentic ai model

FAQs

How much does ChargePay cost?

ChargePay offers four flat-fee plans starting at $19.99 per month, aligned with your specific Shopify plan tier. These plans allow you to fight unlimited chargebacks with no hidden costs per dispute.

Does ChargePay take a percentage of won chargebacks?

No, ChargePay uses a flat-fee pricing model and does not take a share of the funds you recover from won disputes. You keep 100% of the revenue saved through their AI-driven recovery process.

What is the typical win rate with ChargePay AI?

ChargePay customers experience an industry-leading win rate of 85%, which is approximately three times higher than manual processing. This is achieved through their WinResponse technology and PredictScore analysis.

Are chargeback alerts included in the monthly price?

ChargePay alerts are an optional add-on and are charged on a per-alert basis rather than being included in the core flat-fee plan. These alerts help you block disputes before they officially hit your account.

Pricing Plans

Basic
USD19.99 / per month

For Shopify Basic

Unlimited chargebacks

Agentic AI model

Fully automated recovery

85% win rate

Grow
USD39.99 / per month

For Shopify Grow

Unlimited chargebacks

Agentic AI model

Fully automated recovery

85% win rate

Advanced
USD79.99 / per month

For Shopify Advanced

Unlimited chargebacks

Agentic AI model

Fully automated recovery

85% win rate

Plus
USD99.99 / per month

For Shopify Plus

Unlimited chargebacks

1 Client Accounts

Fully automated recovery

85% win rate

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