We build the case.You pay only if it wins.
For stores that ship, and businesses that don't. We stop the disputes that can be stopped before they file, and build the case for the rest.
Free to install. No monthly fee to fight disputes — you pay only when we win.
- CASA Tier 2 Verified
- AES-256 encryption
- No monthly fee to fight disputes
Illustration of one dispute, with demo-account data.
Which processors, and how each one works
Where it runs: Stripe, Shopify Payments, Square, Braintree, PayPal, Adyen, and Amazon Pay. On NMI and Authorize.net, ChargePilot builds the response and you upload it to your acquirer's portal. On WooPayments, approve read/write access and ChargePilot submits the response for you. Without it, ChargePilot builds the response and you upload it in WooCommerce → Payments → Disputes. Clover is in review. On any other processor, log or forward the dispute notice; ChargePilot builds the response and you upload it to your acquirer's portal.
What a loss costs
One lost dispute costs you four times.
- The money’s already gone.
- The deadline is real.
- The networks are counting.
Prevention
Pay when it's prevented. Never for an alert.
- A card-network alert reaches you before the dispute becomes a chargeback.
- It is matched to the order and refunded, so nothing is filed.
- You pay only when a chargeback is actually prevented, never for merely receiving an alert.
Which processors, and when you are charged
Ethoca (Mastercard) and Verifi RDR (Visa) alerts reach you before a dispute becomes a chargeback, on the rails that support them, and only if you turn them on. Stripe merchants also get early-fraud-warning refunds. $19 per prevented chargeback via Visa RDR, $29 via Ethoca (Mastercard) — charged per confirmed prevention, never for merely receiving an alert. Alerts run on Stripe, Shopify Payments, Square, WooPayments, Braintree, NMI, Adyen, and Authorize.net.
- Visa RDR
- $19
- Once you enroll, the card network resolves the dispute itself. There is no limit to set.Runs on Stripe, Shopify Payments, Braintree, NMI, Adyen, and Authorize.net.
- Ethoca alerts (Mastercard)
- $29
- We refund the customer, so no chargeback is filed. Set a limit and you are asked above it: refund, or fight for $15 plus 15% if we win. If you don't answer in time, it is refunded and the prevention fee applies. With no limit set, every alert is refunded.Runs on Stripe, Shopify Payments, Square, WooPayments, Braintree, NMI, Adyen, and Authorize.net.
- Stripe early-fraud-warning refunds
- $19
- When Stripe warns that a payment is likely fraud, typically a card reported stolen, we refund it before a chargeback is filed.Runs on Stripe.
How it works
From the bank's notice to your response. In three steps.
- 1. It arrives.
- 2. We build the case.
- 3. A person checks it. Then it goes in.
How the three steps work on each processor
Square, Braintree, PayPal, Adyen, and Amazon Pay disputes get the same reviewed response as Stripe and Shopify Payments — PayPal inquiries and claims both come in. On NMI and Authorize.net, ChargePilot builds the response and you upload it to your acquirer's portal. On WooPayments, approve read/write access and ChargePilot submits the response for you. Without it, ChargePilot builds the response and you upload it in WooCommerce → Payments → Disputes. Clover is in review. Prevention runs on Ethoca and Visa RDR wherever the rail supports it (the rails table on the product page shows what runs where); on Square and WooPayments it is Ethoca only, PayPal alerts are available on request, and there are no prevention alerts on Amazon Pay.
Your case
How your case is built.
- From the payment’s own record and your records of the sale.
- A person on our team reviews it.
- Then we submit it, wherever the processor allows.
Who reviews it
ChargePilot's AI drafts the evidence and scores each case — then a member of our team reviews and approves the response before it is submitted, with that analysis in hand. Nothing is submitted without a person on our team reviewing it. Every submission — Stripe, Shopify Payments, Square, Braintree, PayPal, Adyen, Amazon Pay — goes through the same review.
Works with
Disputes are won on paper. Have the paper.
18 live integrations: 10 payment processors · 8 evidence sources.
Policy Health
We find why you're losing disputes, and hand you the fix.
- Reads your policies automatically
- Checks them against your real disputes
- Copy-and-paste fixes, per business type
How it works
When you connect, ChargePilot reads your refund, cancellation and terms pages and your signed agreements, then checks them against the disputes you actually get. Where a clause works against you, where your documents disagree with each other, or where the terms were shown after the payment, your dashboard says so in plain words and gives you replacement wording to copy and paste, filled in with your business name and your own terms. Review it, publish it, and the next dispute has a case.
We're not attorneys. We flag what loses disputes and suggest wording that holds up; have your attorney review before you publish.
For freelancers and service businesses
No tracking number? You still have a case.
You sell your time, not a package. On Stripe, ChargePilot Checkout puts a signed agreement behind every deposit.
How it works
One link. Read, sign, pay.
- Text it, show a QR code, or send it from the app.
- Your customer signs your terms before they pay.
- The signed record is saved for every deposit.
How ChargePilot Checkout works, and what it costs
When there is nothing to ship, the proof is the signed agreement, the job record and the cancellation date, and ChargePilot builds your response around those. On Stripe, ChargePilot Checkout gives you that record for each deposit: a link your customer reads, signs and pays. For movers, appointment-based services and contractors who take deposits.
- Set up in a few questions. Answer a few questions and the terms are written for your trade. We recommend an attorney review them.
- Send it your way. Text a link, show a QR code in person, or let your team send links from the app.
- What your customer does. They see the price and any estimate, read a short agreement with your cancellation terms, sign, and pay with their own card on your Stripe account.
- Cancelling. The customer cancels from their own booking page, and your terms decide the refund. Your rep can send them the cancel link in one tap.
- If it is disputed anyway. The signed record is already attached to the dispute.
- It checks for contradictions. It checks your website and any attached estimate for a cancellation policy that contradicts your agreement.
What ChargePilot Checkout costs
- $30 a month, starting the month you send your first live link. Nothing before that; test as long as you like.
- $15 when a customer cancels through your booking page and the refund or credit goes out, paid by you. Not on refunds the law required.
- Your usual ChargePilot fee on disputes we win (15% self-serve, 25% managed). Nothing on disputes we lose.
- Prevention alerts, off unless you turn them on: $29 per alert resolved, $15 per alert we fight, $19 per RDR or EFW resolution.
- No charge for texts, emails, PDFs, storage, staff logins, or the number of links. Nothing else is billed.
When a client wants out
Two ways it can go.
What it costs
Every price, on one screen.
- Fighting a dispute
- 15% of what we recover
- Charged only when we win the dispute. Nothing when we don't.
- A chargeback prevented by a Visa RDR alert
- $19
- Per confirmed prevention, and only if you turn alerts on.
- A chargeback prevented by an Ethoca (Mastercard) alert
- $29
- Per confirmed prevention, and only if you turn alerts on.
- A Stripe early-fraud-warning refund
- $19
- On Stripe only, and only when it works.
- Choosing to fight an alert instead of refunding
- $15
- $15 fight fee only if you choose to fight an Ethoca (Mastercard) alert above the fight threshold you set — plus the 15% success fee only if we win; never charged on a timeout.
- ChargePilot Checkout (optional add-on, on Stripe)
- $30 a month
- Starting the month you send your first live link. Nothing before that; test as long as you like.
- Installing, connecting a processor, setup
- $0
- No setup fee, no integration fee.
Flat fees — the prevention fees and the fight fee — are billed in US dollars (USD). The success fee is charged in the currency of the dispute, or in your Shopify billing currency if you are billed through Shopify.
No monthly fee to fight disputes — you pay only when we win.
Security & trust
Checked by an outside assessor. Not by us.
Bank-level encryption, an independent security assessment, and app listings reviewed by Stripe, Shopify and Apple.
- Live on Stripe App Marketplace
- Live on the Shopify App Store
- On the App Store
- CASA Tier 2 Verified
- TLS Encrypted
- Stripe · Shopify · Square · WooPayments · Braintree · NMI · Adyen · Authorize.net
- Any other processor — by upload
CASA Tier 2 verified
An independent application-security assessment by TAC Security. Passed with zero critical findings.
AES-256 encryption at rest
Every integration token and API key is encrypted with AES-256-GCM before it is stored.
No card numbers stored
Full card numbers and security codes stay inside your payment processor.
Native iPhone app
Every dispute on your phone.
- Deadlines, status and outcomes for every processor.
- Add a receipt or a delivery photo straight from your photo library.
More about the app
Every dispute, deadline, narrative and outcome, across every processor you connect — and the evidence that never reaches any system on its own (a text thread with a customer, a photo of a delivery slip, a signed receipt) — attach a photo of a receipt or delivery slip straight from your photo library and it rides the evidence package. Approve a response yourself, or leave it to us, with a person reviewing every submission ChargePilot makes. Set up on the web app at app.chargepilot.ai, then run it from your phone. Works best with Stripe, Shopify Payments and Square; other processors and upload rails are set up on the web.
Who you are dealing with
Samuel Bengisu
Founder & CEO, ChargePilot AI Corp · Palm Beach County, Florida
Talk to the person responsible before you connect anything.
What merchants ask before they connect.
Does it work with my processor?
Yes. Stripe, Shopify Payments, Square, WooPayments, Braintree, PayPal, NMI, Adyen, Authorize.net, and Amazon Pay (Clover in review). On any other processor, log or forward the dispute notice; ChargePilot builds the response and you upload it to your acquirer's portal.
Does ChargePilot submit disputes for me?
Yes. ChargePilot gathers the evidence, builds a reason-code-specific response, and a person on our team reviews and submits it before the deadline. Nothing is submitted without a person on our team reviewing it. On NMI and Authorize.net, ChargePilot builds the response and you upload it to your acquirer's portal.
How much does ChargePilot cost?
Every fee is tied to value: 15% success fee on chargebacks we recover via dispute representment (only paid when we win), plus prevention fees charged per confirmed prevention ($19 per Verifi RDR (Visa) alert resolved, $29 per Ethoca (Mastercard) alert resolved, $19 per Stripe Radar early-fraud warning refunded before it becomes a dispute — each a flat price whatever card network the payment ran on) and never for merely receiving an alert. Dispute recovery has no subscription and is paid only on wins; no setup fee, free to install from the Stripe App Marketplace or the Shopify App Store. If we don't win or prevent, you pay nothing. ChargePilot Checkout is an optional add-on at $30 a month. Flat fees — the prevention fees and the fight fee — are billed in US dollars (USD). The success fee is charged in the currency of the dispute, or in your Shopify billing currency if you are billed through Shopify.
Are there any other fees?
No. For dispute recovery and prevention those charge points are it — there is no subscription, no installation fee, no integration fee, no ongoing-service fee. ChargePilot Checkout is an optional add-on at $30 a month.
Is my data secure?
Yes. ChargePilot is CASA Tier 2 verified — an independent security audit conducted by TAC Security, the same standard applied to apps handling sensitive Google Workspace data. All merchant integration tokens are encrypted at rest with AES-256-GCM, and all traffic uses TLS 1.2+ in transit. See the full security overview at /security.
How long does setup take?
Install from the Stripe App Marketplace or the Shopify App Store, or connect Square, WooPayments, Braintree, PayPal, NMI, Adyen, Authorize.net, or Amazon Pay from the dashboard, and ChargePilot starts monitoring as soon as the connection completes. Clover is in review.
Can I cancel anytime?
Yes. There are no contracts, no cancellation fees, and no lock-in periods. You can uninstall ChargePilot from Stripe — or disconnect any processor — at any time.
More questions →|Something else? .
Got a dispute notice?
Forward it to us.
Any processor. A person on every response ChargePilot submits. 15% when we win, nothing when we don't.
No monthly fee to fight disputes — you pay only when we win.