Top 10 Chargeback Management Software Solutions in 2023

A key point to understand with chargebacks is that you usually have different tools for prevention and resolution. SEON is one of the best solutions for preventing chargebacks before they happen.

This is all done by giving you the most complete transaction and user behavior monitoring options available, including:

• Data enrichment modules: You can learn a lot about whether your users are legitimate buyers or not by looking at red flags raised by a fake email address, phone number, or a lack of social media presence (for instance).
  
• Flag suspicious payments: Gain all the data intelligence you need without asking for extra verification. You can request 3DS PSD2 exemption and process more payments without adding friction to the buyer’s journey.
  
• Better control over transactions: SEON’s powerful risk scoring lets you set thresholds manually and use custom rules to instantly approve, deny, or manually review transactions.
  
• Bank Identification Number (BIN) check: Learn when you’re dealing with valid cards, prepaid cards, or gift cards with our BIN checks. Only accept the cards you deem safe enough, to avoid processing fraudulent purchases. 

SEON Pricing

• Starts at $599. Free version available with limited API calls.

Choose SEON If

• You want to prevent rather than resolve chargebacks, plus stop other types of fraud.

Chargeflow is a chargeback automation platform that takes a modern and scalable approach to chargeback recovery.

After analyzing millions of chargebacks and feeding them into its AI-based system, Chargeflow created ChargeResponse®, the world’s first science-based chargeback response system.

ChargeResponse analyzes a business to generate tailor-made chargeback responses to be submitted on the merchant’s behalf. A team of dispute experts with years of experience human-proofs every such chargeback response before sending it to the bank, aiming to maximize merchants’ chances of a positive outcome.

Founded in 2021 by two ecommerce entrepreneurs, Chargeflow maintains one of the highest win rates in the chargeback dispute industry, averaging at around 80%.

Chargeflow Pricing

• Merchants pay 25% of recovered revenue. However, it carries no monthly fees, integration costs, or contracts.

Choose Chargeflow If

• Chargebacks are a fact of life for your company, and you want to handle them as efficiently as possible.

Sift is another complete fraud prevention solution that happens to offer a chargeback module. The good news is that the module comes from the acquisition of Chargeback.com, the pioneer in real-time dispute resolution for merchants, so you get both prevention and resolution in one neat package. 

While Sift offers custom rules, some customers report that the blackbox AI (which takes over the fine-tuning when accepting or declining transactions) can be perhaps too opaque. For small businesses, this can be an advantage: You won’t have to think too hard about how to tailor Sift to your preferences. Other companies, however, might enjoy having a bit more control.

Sift Pricing

• Available upon request. 

Choose Sift If

• You’re a small online shop looking to set and forget your chargeback defenses.

When it comes to being prepared for a post-chargeback dispute, Chargebacks911 is not only one of your best online resources but also a solid software solution. The company offers all the tools you need to collect evidence, submit it in the context of a dispute, and sift through the data for your own reporting. 

You’ll also get a single source for all your resolution templates, chargeback codes, and the kind of evidence you need to submit.

Chargebacks911 Pricing

• Available upon request, but some online reports set it at $99 per check.

Choose Chargebacks911 If

• You want to be able to challenge chargeback requests efficiently.

According to the company, it accelerates the average resolution time to an average of 24 hours. The most interesting part is that it is suitable for both merchants and issuers. So yes, it’s mainly for resolution rather than prevention, but this innovative approach can bring peace of mind to retailers who face a bottleneck in that department – especially when you know that Visa is involved. 

One of the key offerings of Verifi is its trademarked Cardholder Dispute Resolution Network. It acts as an intermediary between merchants and issuers, allowing you to close the loop during the chargeback process, resolving the issue directly with the consumer. 

Verifi Pricing

• Available upon request.

Choose Verifi If

• The idea of working alongside, rather than against, the card issuer is appealing to you.

With more than 15 years of experience in the online payment industry, ChargebackGurus understands how chargebacks happen, how to prevent them, and, interestingly, how to recover lost revenue from past cases. 

ChargebackGurus makes bold claims – namely that you could win around 70% of your chargeback disputes and thwart 50% of friendly fraud chargeback attempts. How? Well, the prevention side is mostly covered by chargeback alerts based on your own risk rules. 

The recovery stage is perhaps more unique, as it is managed by experts who monitor and review orders in real-time. You will need to give the company access to your settlements, fees, and reserves, but it may be more than worth it for high-risk companies that need to reduce chargeback rates at any cost. 

ChargebackGurus Pricing

• Not available online.

Choose ChargebackGurus If

• You want a chance to recover lost revenue from previous cases of chargebacks.

MiDiGATOR was founded in 2013 by a collective of ecommerce merchants who were having difficulty navigating chargebacks in their own companies. They decided to collaborate to fill the gap in the market for a real-time solution. In Q2 2022, Equifax announced its acquisition of MiDiGATOR to fill out its own fraud prevention platforms.

MiDiGATOR is a tool designed to fully cover the process of the inevitable chargebacks that every ecommerce company faces. The software suite emphasizes ease of use in what can be a frustrating process for all parties involved, with a single portal to monitor and handle all disputes in real-time, from the moment the dispute begins. 

This tool can help to avoid the chargeback altogether by automatically triggering a refund ahead of that costly process. This way, the customer gets their money back (or their order canceled), but the eshop doesn’t have to pay the extra fees associated with chargebacks. Also inside the interface are tools to view analytics and a content editor to streamline the customer communication process.

MiDiGATOR Pricing

• Currently, MiDiGATOR does not publish its pricing online. Contact its sales team for a quote.

Choose MiDiGATOR If

• You want a system that will attempt to prevent chargebacks by issuing refunds as soon as they are requested.

ChargebackOps was founded in 2015 after CyberSource decided to discontinue its investment into chargeback management for its own product. Since then, it has focused on servicing Fortune 500 companies exclusively and boasts major partners in the sector like Ekata, Verifi, and CyberSource.

Rather than a dedicated software suite, ChargebackOps is more akin to a consultancy, offering on-site chargeback solutions to major ecommerce entities. Customers are assigned dedicated specialists who handle the company’s disputes with a proprietary application, functioning as an extension of an existing fraud team.

The on-site personnel also provide services like order screening and analytics “by hand” to the company while handling 100% of the chargeback process.

This hands-on approach to chargeback management offers guaranteed attention to detail, as well as accountability for the service.

ChargebackOps Pricing

• As the vendor offers a contract-based service, the price will be bespoke to each enterprise.

Choose ChargebackOps If

• You want to enlist the help and insight of human chargeback experts.

Quavo’s chargeback management product, QFD Automated Dispute Management Software, is a cloud-based solution focusing on automation and compliance during the dispute process. With compliance being a large part of what QFD offers, the product is aimed primarily at online banks and other financial products.

QFD’s aim is to keep ROI high by lowering operational expenses through efficiency while also mitigating fraud losses. The SaaS performs functions like filing claims, monitoring their progress through the dispute journey, and gathering transaction data to inform automated decisions.

For companies that wish to outsource their chargeback investigation and appeal process further, QFD also offers a team of Digital Resolution Experts to delegate those tasks to, as an additional service.

Quavo Pricing

• Quavo’s chargeback management tool is separate from ARIA, its fraud prevention suite. The pricing is currently not listed on the official website, so potential customers should contact its sales team for a quote. 

Choose Quavo If

• You are in fintech or other finance and looking to minimize losses from chargebacks.

Kount is a renowned fraud prevention firm focused on enterprise businesses, such as AMC Theatres, eHarmony, and Getty Images. It is headquartered in North America and offers five key risk management tools, including Kount 360, its AI-driven flagship fraud protection software.

When it comes to chargebacks and payment management, Kount also offers a number of ways to improve your bottom line. Its Command tool, for instance, provides end-to-end protection for all CNP transactions. 

Its chargeback management solution is an all-in-one platform designed to let you monitor transaction data, flag suspicious payments, and even send the appropriate data as part of your case management.

While it may be too full-featured or overwhelming for smaller online retailers, larger retailers will appreciate the ability to integrate Kount directly into known platforms such as WooCommerce, Magento, or Shopify.

Kount Pricing

• The pricing for the full platform isn’t available online. However, a third-party integration, like the one for Shopify, starts at $1,000 a month for the full set of features.

Choose Kount If

• You are an enterprise online retailer who needs to fight fraud, manage returns, and manage chargeback disputes from the same suite of products.