The facts
What is ChargePilot?
ChargePilot is software that fights card chargebacks for merchants and prevents the ones that can be stopped before they are filed. It is made by ChargePilot AI Corp, a Florida corporation.
Who is it for?
Businesses that take card payments: online stores, subscription businesses, and freelancers and service businesses that take deposits.
What does it do?
- Dispute response. When a customer disputes a payment, ChargePilot builds the merchant's response from the merchant's own records: orders, deliveries, agreements and messages with the customer.
- Prevention. Where the merchant enrolls, a dispute can be resolved before it becomes a chargeback, through Visa RDR, Ethoca alerts (Mastercard), Stripe early-fraud-warning refunds. The customer is refunded and no chargeback is filed.
- Policy health. ChargePilot reads the merchant's refund, cancellation and terms pages and signed agreements, checks them against the disputes the merchant actually gets, and suggests replacement wording. ChargePilot is not a law firm; an attorney should review wording before it is published.
- ChargePilot Checkout. An optional add-on for Stripe, for freelancers and service businesses: a link the merchant's customer reads, signs and pays, so every deposit has a signed agreement behind it.
Which payment processors does it work with?
ChargePilot connects to Stripe, Shopify Payments, Square, WooPayments, Braintree, PayPal, NMI, Adyen, Authorize.net, and Amazon Pay. On any other processor, log or forward the dispute notice; ChargePilot builds the response and you upload it to your acquirer's portal.
ChargePilot works in any country where your payment processor supports your account.
Who sends the response to the bank?
- On Stripe, Shopify Payments, Square, Braintree, PayPal, Adyen, and Amazon Pay, a person on ChargePilot's team reviews the response and ChargePilot submits it.
- 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 does it cost?
| What | Price | Detail |
|---|---|---|
| Dispute response | 15% of the amount recovered | Charged only when a dispute is won. Nothing if it is lost. No monthly fee to fight disputes and no setup fee. |
| Prevention: Visa RDR | $19 per chargeback prevented | Runs on Stripe, Shopify Payments, Braintree, NMI, Adyen, and Authorize.net. |
| Prevention: Ethoca alerts (Mastercard) | $29 per chargeback prevented | Runs on Stripe, Shopify Payments, Square, WooPayments, Braintree, NMI, Adyen, and Authorize.net. |
| Prevention: Stripe early-fraud-warning refunds | $19 per chargeback prevented | Runs on Stripe. |
| Choosing to fight an Ethoca alert instead of refunding it | $15 | Plus 15% of the amount recovered if the dispute is won. |
| ChargePilot Checkout (optional add-on, for Stripe) | $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. |
You pay only when a chargeback is actually prevented, never for merely receiving an alert.
No monthly fee to fight disputes — you pay only when we win.
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.
The same prices, with the detail, are on the pricing page.
What is ChargePilot not?
- ChargePilot is not a payment processor and does not hold merchants' funds.
- ChargePilot is not a law firm and does not give legal advice.
- ChargePilot does not decide disputes and cannot promise an outcome. The cardholder's bank decides.
How is merchant data protected?
- CASA Tier 2 verified: an independent application-security assessment by TAC Security.
- Integration tokens and API keys are encrypted at rest with AES-256-GCM. Traffic uses TLS 1.2 or later.
More on the security page.
Where do I get it?
Support: support@chargepilot.ai, +1 (561) 543-7514 (9am–6pm US Eastern).
Where can I read more?
Last reviewed November 12, 2026.
Related reading
How Much Does a Chargeback Cost a Merchant?
The disputed amount, plus a dispute fee, plus what you spent on the order. A $200 example on Stripe: accepting, fighting and losing, winning, preventing.
What Does My Chargeback Reason Code Mean?
A reason code is the bank's label for the customer's claim. How to read it, with three examples: unauthorized, not received and cancelled subscription.