Pick the right chargeback tool for your store.
You already saw the 4 options on the homepage. This page helps you pick. One sharp comparison per competitor — and what switching to Algiz is actually worth in dollars.
first 3 disputes free · no card required
Pick the deep-dive that matches.
Same baseline math throughout: 6 chargebacks/month at $140 average, 45% CE 3.0 win rate. Want your own numbers? Use the calculator on home →
Chargeflow
“The 25% recovery fee tax.”
Chargeflow has the strongest review base on the App Store (4.7★ / 377+ reviews) — but you pay 25% on every win and they auto-submit without your review.
switch to algiz when
- · Average chargeback > $50 (the fee delta starts compounding)
- · You want to read what's submitted in your name
- · 4.7★ but 25% feels like too much for a solo store
typical saving
+$480 / year
on 6 chargebacks/mo @ $140 avg · gap widens with bigger disputes
Disputifier
“The $250 cap kills upside on big disputes.”
Disputifier charges 20% per win — fine on small disputes, but the $250/win cap means you only get back $250 max even on a $700 chargeback. Plus a 2026 security incident on Shopify API tokens.
switch to algiz when
- · Average chargeback over $200 (cap starts biting at $300+)
- · Your disputes vary in size — the cap will eventually hit
- · Vendor security posture is part of your diligence
typical saving
+$264 to +$3,180 / year
low end at $140 avg · high end at $400 avg (cap bites hard)
ChargePay
“Paid the same whether they win or lose.”
ChargePay charges $19.99/month flat — no recovery fee. Cheaper on raw math at high win volume, but you keep paying even when they lose every dispute. No skin in the game.
switch to algiz when
- · You want vendor incentives aligned with your wins
- · Your dispute volume varies month-to-month
- · You distrust the unverified 85% win-rate claim
typical saving
Alignment, not just dollars
Algiz earns $9 + 12% on wins · ChargePay earns $19.99 regardless
30-second decision tree.
Are you a solo merchant doing $5–50k GMV?
yes →Algiz was built for you. Reserve a spot below.
no →Continue ↓
Is your average chargeback over $300?
yes →Skip Disputifier — the $250/win cap will eat your upside. Algiz or Chargeflow.
no →Continue ↓
Do you process 100+ chargebacks per month?
yes →Chargeflow's auto-submit may save operational time vs Algiz's approval gate.
no →Continue ↓
Do you want vendor incentives aligned with your wins?
yes →Algiz (12% only on wins) > ChargePay (paid regardless). Reserve below.
no →Pick on raw fee math — Algiz at low volume, Chargeflow at high.
Most-asked questions.
- Which Shopify chargeback tool has the lowest fees?
- For success-based pricing on small-average disputes, Algiz at $9/mo + 12% recovery is the lowest in 2026. ChargePay at $19.99/mo flat is cheaper on raw cost when you have very high win volume — but you pay it whether they win or not.
- Which tool is best for solo Shopify merchants?
- Algiz is built specifically for solo merchants doing $5–50k GMV. Pricing scales with your wins, no upfront commitment, and the merchant approval gate means you read every dispute before it goes out in your name. Chargeflow and Disputifier are tuned for higher-volume operators who don't want to look at disputes.
- Do all of these tools support Visa CE 3.0?
- All four market CE 3.0 support. Algiz is built CE 3.0-native from day 1, meaning the entire evidence pipeline is structured around CE 3.0 data requirements (matching IP, device fingerprint, or shipping address from prior 120-365 day transactions). The others have added CE 3.0 to existing pipelines.
- What's the difference between auto-submit and merchant approval?
- Auto-submit means the tool packages and submits dispute evidence to the issuer without your involvement — fast, but you don't see what's being claimed in your name. Merchant approval (Algiz only) means the tool drafts in 60 seconds, sends you a push notification, and waits up to 24 hours for you to read, edit, skip, or approve before submitting. Trade-off: a few minutes per dispute for full visibility.
- Should I use multiple chargeback tools at once?
- Briefly, yes — for evaluation. All four are pay-on-result or month-to-month, so no lock-in. Run two on the same store for 30 days, compare net-after-fee on the same disputes, keep the winner. During Algiz's pre-launch, your first 3 disputes are free.
Or just try Algiz. First 3 disputes free.
50 invites a week · if we don't win them, you pay nothing, ever