Quick Overview
- 1#1: Signifyd - Provides a Commerce Guarantee that shifts chargeback liability from retailers while preventing fraud in real-time.
- 2#2: Forter - Offers unified fraud prevention and chargeback management with instant approvals and guarantees for retail merchants.
- 3#3: Riskified - Delivers Approved-to-Ship Guarantee to protect retailers from chargebacks and ecommerce fraud risks.
- 4#4: Chargeback Gurus - Specializes in end-to-end chargeback automation, prevention, and representment for high-volume retailers.
- 5#5: NoFraud - Provides machine learning-based chargeback protection and fraud prevention tailored for online retailers.
- 6#6: Kount - Delivers precision fraud prevention with chargeback guarantees and analytics for retail transactions.
- 7#7: Sift - Uses AI-driven digital trust platform to detect fraud and automate chargeback mitigation for retailers.
- 8#8: Chargebacks911 - Automates chargeback disputes and prevention with AI to reduce losses for retail businesses.
- 9#9: Ethoca - Offers real-time alerts and collaboration network to prevent chargebacks before they occur in retail.
- 10#10: Verifi - Provides Visa-backed chargeback management tools including alerts and dispute resolution for retailers.
Tools were ranked based on their combination of robust features (including fraud protection, dispute management, and performance guarantees), user-friendly design, and overall value, ensuring they meet the diverse needs of retailers, from small businesses to high-volume operators.
Comparison Table
Retail chargeback software is vital for reducing financial risk and simplifying dispute handling; this comparison table examines leading tools including Signifyd, Forter, Riskified, Chargeback Gurus, NoFraud, and others, outlining key features, performance, and usability to help retailers identify the best solution for their business.
| # | Tool | Category | Overall | Features | Ease of Use | Value |
|---|---|---|---|---|---|---|
| 1 | Signifyd Provides a Commerce Guarantee that shifts chargeback liability from retailers while preventing fraud in real-time. | enterprise | 9.8/10 | 9.9/10 | 9.2/10 | 9.6/10 |
| 2 | Forter Offers unified fraud prevention and chargeback management with instant approvals and guarantees for retail merchants. | enterprise | 9.3/10 | 9.6/10 | 8.7/10 | 9.1/10 |
| 3 | Riskified Delivers Approved-to-Ship Guarantee to protect retailers from chargebacks and ecommerce fraud risks. | enterprise | 8.7/10 | 9.2/10 | 8.0/10 | 8.3/10 |
| 4 | Chargeback Gurus Specializes in end-to-end chargeback automation, prevention, and representment for high-volume retailers. | specialized | 8.7/10 | 9.2/10 | 8.5/10 | 8.0/10 |
| 5 | NoFraud Provides machine learning-based chargeback protection and fraud prevention tailored for online retailers. | specialized | 8.7/10 | 9.2/10 | 8.5/10 | 8.6/10 |
| 6 | Kount Delivers precision fraud prevention with chargeback guarantees and analytics for retail transactions. | enterprise | 8.2/10 | 8.7/10 | 7.6/10 | 7.8/10 |
| 7 | Sift Uses AI-driven digital trust platform to detect fraud and automate chargeback mitigation for retailers. | enterprise | 8.1/10 | 8.5/10 | 7.8/10 | 7.6/10 |
| 8 | Chargebacks911 Automates chargeback disputes and prevention with AI to reduce losses for retail businesses. | specialized | 8.1/10 | 8.7/10 | 7.9/10 | 7.6/10 |
| 9 | Ethoca Offers real-time alerts and collaboration network to prevent chargebacks before they occur in retail. | specialized | 8.3/10 | 8.9/10 | 7.7/10 | 8.1/10 |
| 10 | Verifi Provides Visa-backed chargeback management tools including alerts and dispute resolution for retailers. | enterprise | 7.8/10 | 8.4/10 | 7.2/10 | 7.5/10 |
Provides a Commerce Guarantee that shifts chargeback liability from retailers while preventing fraud in real-time.
Offers unified fraud prevention and chargeback management with instant approvals and guarantees for retail merchants.
Delivers Approved-to-Ship Guarantee to protect retailers from chargebacks and ecommerce fraud risks.
Specializes in end-to-end chargeback automation, prevention, and representment for high-volume retailers.
Provides machine learning-based chargeback protection and fraud prevention tailored for online retailers.
Delivers precision fraud prevention with chargeback guarantees and analytics for retail transactions.
Uses AI-driven digital trust platform to detect fraud and automate chargeback mitigation for retailers.
Automates chargeback disputes and prevention with AI to reduce losses for retail businesses.
Offers real-time alerts and collaboration network to prevent chargebacks before they occur in retail.
Provides Visa-backed chargeback management tools including alerts and dispute resolution for retailers.
Signifyd
enterpriseProvides a Commerce Guarantee that shifts chargeback liability from retailers while preventing fraud in real-time.
Guaranteed Fraud Protection, where Signifyd assumes 100% financial responsibility for any approved fraudulent orders
Signifyd is a premier AI-powered Commerce Protection Platform tailored for e-commerce retailers, specializing in fraud prevention, chargeback management, and order guarantee services. It leverages machine learning models trained on billions of transactions to provide real-time risk decisions, approving genuine orders while protecting against fraud losses. Merchants benefit from Signifyd's 100% financial guarantee on approved orders, eliminating chargeback risks and enabling aggressive growth without fear of financial exposure.
Pros
- 100% chargeback guarantee shifts all fraud liability to Signifyd
- Advanced AI/ML engine with continuous learning from global data
- Seamless integrations with major e-commerce platforms like Shopify, BigCommerce, and Magento
Cons
- Enterprise pricing may be prohibitive for small businesses
- Customization requires technical expertise for optimal setup
- Limited transparency on exact AI decision logic
Best For
Mid-to-large scale online retailers with high transaction volumes seeking comprehensive chargeback protection and fraud prevention.
Pricing
Custom pricing based on monthly gross merchandise volume (GMV), typically transaction-fee model with no upfront costs; enterprise-focused starting around 0.5-1.5% of GMV.
Forter
enterpriseOffers unified fraud prevention and chargeback management with instant approvals and guarantees for retail merchants.
Chargeback Guarantee – Forter fully reimburses merchants for any chargebacks on transactions approved by their system.
Forter is an AI-powered fraud prevention platform designed for e-commerce retailers, focusing on real-time transaction approval, fraud detection, and chargeback management. It analyzes thousands of data points per transaction to prevent fraudulent activity proactively, significantly reducing chargeback rates. With features like customer recognition and a chargeback guarantee, Forter shifts financial risk away from merchants while ensuring legitimate orders are approved instantly.
Pros
- Advanced AI-driven fraud prevention drastically reduces chargebacks
- Chargeback guarantee protects merchants from financial losses on approved transactions
- Seamless integrations with major e-commerce platforms like Shopify and Adobe Commerce
Cons
- High enterprise-level pricing unsuitable for small businesses
- Initial setup and data optimization require technical expertise
- Limited transparency in AI decision-making processes
Best For
Large-scale e-commerce retailers with high transaction volumes needing enterprise-grade chargeback prevention and fraud management.
Pricing
Custom enterprise pricing based on monthly transaction volume; typically starts at $10,000+ per month for mid-to-large retailers.
Riskified
enterpriseDelivers Approved-to-Ship Guarantee to protect retailers from chargebacks and ecommerce fraud risks.
Chargeback Guarantee, where Riskified reimburses merchants for fraud on orders approved by their system
Riskified is an AI-driven fraud prevention and chargeback management platform tailored for e-commerce retailers, using machine learning to detect fraud in real-time and minimize chargebacks. It offers a unique chargeback guarantee, covering merchants for approved orders that result in fraud-related disputes. The platform also provides automated dispute resolution tools, detailed analytics, and seamless integrations with major e-commerce systems to streamline operations and protect revenue.
Pros
- Chargeback Guarantee protects revenue on approved orders
- Advanced machine learning for accurate fraud detection with low false positives
- Comprehensive analytics and automated dispute handling
Cons
- Enterprise-level pricing can be prohibitive for smaller retailers
- Custom quotes lack pricing transparency
- Steeper learning curve for full utilization of advanced features
Best For
High-volume e-commerce retailers seeking enterprise-grade fraud prevention and guaranteed chargeback protection.
Pricing
Custom enterprise pricing based on transaction volume; typically starts at several thousand dollars per month with no public tiers.
Chargeback Gurus
specializedSpecializes in end-to-end chargeback automation, prevention, and representment for high-volume retailers.
Hybrid AI automation paired with dedicated expert analysts for industry-leading win rates
Chargeback Gurus offers a robust chargeback management platform tailored for retail and e-commerce businesses, automating the entire chargeback lifecycle from prevention to dispute resolution. Leveraging AI-driven analysis and a team of expert analysts, it handles representment to achieve high win rates, often exceeding 80%. The solution includes real-time alerts, fraud prevention tools, and seamless integrations with major payment gateways to minimize losses.
Pros
- Exceptionally high representment win rates through AI and human expertise
- Comprehensive prevention tools like smart alerts and transaction monitoring
- Seamless integrations with popular e-commerce platforms and processors
Cons
- Custom pricing lacks transparency and can be expensive for low-volume merchants
- Heavier reliance on managed services may overwhelm users wanting full self-service
- Limited advanced customization options compared to pure software competitors
Best For
Mid-to-large retail and e-commerce businesses with moderate-to-high chargeback volumes seeking expert-managed automation.
Pricing
Custom quotes based on chargeback volume; typically $500+ per month plus per-dispute fees, with enterprise tiers available.
NoFraud
specializedProvides machine learning-based chargeback protection and fraud prevention tailored for online retailers.
Chargeback Guarantee: Fully reimburses merchants for any chargebacks on transactions approved by NoFraud's system.
NoFraud is an AI-powered fraud prevention platform tailored for e-commerce retailers, specializing in real-time transaction screening and chargeback mitigation. It employs machine learning to deliver fraud risk scores, automated approvals/declines, and comprehensive chargeback management tools like alerts and representment. The platform integrates seamlessly with major shopping carts and payment gateways. Its standout Chargeback Guarantee reimburses merchants for losses on approved orders.
Pros
- Robust Chargeback Guarantee covering approved transactions
- Advanced ML-driven real-time fraud detection
- Easy integrations with popular e-commerce platforms
Cons
- Pricing is custom and can be costly for high-volume merchants
- Advanced customization requires support assistance
- Less emphasis on post-chargeback recovery analytics compared to specialists
Best For
Mid-sized e-commerce retailers prioritizing proactive chargeback prevention and fraud scoring with financial guarantees.
Pricing
Custom enterprise pricing based on monthly volume (typically $500+/mo minimum); pay-for-performance with chargeback guarantees included.
Kount
enterpriseDelivers precision fraud prevention with chargeback guarantees and analytics for retail transactions.
Direct Intelligence AI engine that continuously learns from global data to deliver real-time fraud decisions and chargeback prevention
Kount is an AI-powered fraud prevention and risk management platform that includes robust chargeback management tools tailored for retail and e-commerce businesses. It uses machine learning to detect fraud in real-time, preventing chargebacks proactively, while offering automated representment, dispute handling, and analytics to streamline the chargeback process. Integrated with major payment gateways, Kount helps retailers minimize losses from disputes and improve recovery rates.
Pros
- Advanced AI and machine learning for proactive fraud detection that significantly reduces chargeback volumes
- Automated chargeback representment and workflow tools that speed up dispute resolution
- Comprehensive reporting and analytics for insights into chargeback trends and prevention strategies
Cons
- Enterprise-focused pricing can be prohibitive for small to mid-sized retailers
- Steep learning curve due to the platform's complexity and extensive customization options
- Relies heavily on high transaction volumes to justify the investment
Best For
Mid-to-large retail and e-commerce businesses with high online transaction volumes needing integrated fraud prevention and chargeback management.
Pricing
Custom pricing based on transaction volume; typically starts at several thousand dollars per month for enterprise plans—contact sales for a quote.
Sift
enterpriseUses AI-driven digital trust platform to detect fraud and automate chargeback mitigation for retailers.
Adaptive machine learning models that continuously learn from global fraud data to predict and prevent chargebacks before they occur
Sift is an AI-powered fraud prevention platform that specializes in real-time risk scoring and chargeback management for retail and e-commerce businesses. It uses machine learning to detect fraudulent transactions, automate dispute workflows, and provide actionable insights to minimize chargeback losses. While strong in proactive fraud prevention, it offers robust tools for handling chargebacks through automated representments and evidence generation.
Pros
- Advanced machine learning for real-time fraud detection and chargeback prediction
- Seamless integrations with major payment gateways and e-commerce platforms
- Automated chargeback representment with pre-built evidence templates
Cons
- Pricing is custom and can be expensive for smaller retailers
- Broader fraud focus may overwhelm users needing only chargeback tools
- Advanced customization requires technical expertise
Best For
Mid-to-large retail e-commerce businesses with high transaction volumes seeking integrated fraud prevention and chargeback automation.
Pricing
Custom enterprise pricing based on transaction volume; typically starts at $5,000+/month for mid-sized operations with pay-per-decision options available.
Chargebacks911
specializedAutomates chargeback disputes and prevention with AI to reduce losses for retail businesses.
Forensic evidence automation that generates compelling, card-brand compliant representment packages in under 24 hours
Chargebacks911 is a specialized chargeback management platform designed for e-commerce and retail merchants to automate the prevention, detection, and defense of chargebacks. It provides real-time monitoring, automated representment letters with forensic evidence, and analytics to reduce fraud and recover lost revenue. The software excels in high-risk industries by streamlining the entire chargeback lifecycle, helping merchants win more disputes efficiently.
Pros
- Highly automated dispute handling with rapid response times
- Strong track record of high win rates (up to 86%) through evidence-based representment
- Real-time alerts and prevention tools integrated with major gateways
Cons
- Pricing is opaque and quote-based, often expensive for low-volume retailers
- Primarily optimized for high-risk merchants, less ideal for low-chargeback businesses
- Requires some setup and integrations for full functionality
Best For
Mid-to-large retail e-commerce operations facing frequent chargebacks in competitive or high-risk categories.
Pricing
Custom quote-based pricing starting around $100/month plus per-dispute fees; scales with transaction volume.
Ethoca
specializedOffers real-time alerts and collaboration network to prevent chargebacks before they occur in retail.
Ethoca Guarantee: Reimburses merchants up to $2,500 per eligible chargeback if they do not ship after receiving a fraud alert.
Ethoca is a specialized chargeback prevention platform that leverages a global network of over 3,000 retailers to deliver real-time alerts on confirmed fraudsters before orders are fulfilled. It helps merchants avoid shipping to known bad actors and offers the Ethoca Guarantee, which covers eligible chargebacks if the alert is followed. The solution focuses on proactive fraud mitigation rather than post-chargeback dispute management, integrating seamlessly with e-commerce platforms to reduce financial losses from friendly and true fraud.
Pros
- Extensive shared intelligence network from thousands of retailers
- Ethoca Guarantee provides financial protection on alerts
- Real-time prevention reduces chargeback volume significantly
Cons
- Pricing is custom and can be expensive for smaller retailers
- Limited automation for chargeback representment and disputes
- Requires API integration and setup for full effectiveness
Best For
Mid-to-large online retailers seeking proactive chargeback prevention through collaborative fraud data sharing.
Pricing
Custom enterprise pricing, typically starting at $50,000+ annually based on transaction volume and features.
Verifi
enterpriseProvides Visa-backed chargeback management tools including alerts and dispute resolution for retailers.
Verifi Guarantee, which promises a minimum 80% win rate on disputes or covers the losses
Verifi provides comprehensive chargeback management and prevention software tailored for retailers, helping merchants automate dispute handling, prevent fraud, and recover revenue lost to chargebacks. The platform includes tools like the Verifi Dispute Manager for automated representment, real-time alerts via Ethoca integration, and analytics for optimizing outcomes. With a focus on high-volume e-commerce and retail environments, it emphasizes guaranteed win rates and data-driven insights to reduce chargeback ratios.
Pros
- Robust automation for representment and prevention, including Ethoca alerts
- Guaranteed win rates on eligible disputes with outcome-based recovery
- Strong analytics and reporting for chargeback trend analysis
Cons
- Enterprise-focused pricing lacks transparency and may be costly for smaller retailers
- Steep learning curve for full utilization of advanced features
- Integration setup can be complex without dedicated support
Best For
Mid-to-large retailers with high chargeback volumes seeking automated prevention and guaranteed recovery outcomes.
Pricing
Custom enterprise pricing based on transaction volume; typically 'pay-per-win' model with no upfront fees for core services—contact sales for quotes.
Conclusion
After comparing retail chargeback software, it’s clear the top tools effectively blend fraud prevention and chargeback mitigation. Signifyd stands out as the top choice, with its Commerce Guarantee shifting liability and monitoring transactions in real-time. Forter and Riskified follow, offering unified prevention and instant approvals or Approved-to-Ship guarantees, strong alternatives for diverse business needs.
To safeguard your retail operations and reduce risk, start with Signifyd—its proven capabilities make it the ideal solution for protecting your bottom line against chargebacks.
Tools Reviewed
All tools were independently evaluated for this comparison