Comparison · checked October 2026
A flat-fee alternative to success-fee chargeback tools
Most chargeback automation tools charge a share of what they win back. That sounds fair until you do the sums: the more disputes you win, the more you pay, including on disputes you would have won with a simple, complete response.
Want the answer for your own case? Use the tool, then read on for the details.
Start freeWhat the pricing models cost
| Recovered in a month | Stripe Smart Disputes (30%) | Success-fee tools (25%) | DisputeKit Growth |
|---|---|---|---|
| $500 | $150 | $125 | $79 |
| $2,000 | $600 | $500 | $79 |
| $10,000 | $3,000 | $2,500 | $199 (Pro) |
Chargeflow's published model is 25% of recovered disputes; Stripe Smart Disputes charges 30% of the won amount on top of Stripe's dispute fee (Chargeflow on Stripe fees, Stripe Smart Disputes). Processor dispute fees apply with every option.
What you get with Autopilot
- Stripe, Shopify Payments and PayPal in one dashboard, with every deadline in one list.
- Evidence for each dispute reason, following each processor's own guidance: fraud, not received, not as described, cancelled subscriptions, credit not processed and duplicates.
- Visa Compelling Evidence 3.0 for "I didn't make this purchase" claims, built from your payment history and the login data you send.
- A formatted evidence PDF attached to every Stripe and PayPal response.
- Automatic or reviewed submission: you choose the strength, the reasons and how close to the deadline.
- Prevention: early fraud warnings from Stripe, with optional automatic refunds under your limit, and a "what is this charge?" page that turns confused customers into refund requests instead of chargebacks.
- Insights: win rate by reason and processor, money recovered, and what a success-fee tool would have taken.
- Alerts by email, Slack or signed webhook, a weekly summary, and team seats.
Where a success-fee tool can still make sense
If you get very few disputes and rarely win them, paying only on wins can cost less. Large merchants that want a managed team and card-network alert programmes (Ethoca, Verifi RDR) may also prefer an enterprise provider. Autopilot is built for small and mid-sized online businesses that want every dispute answered properly without giving up a quarter of each win.
Short on time? We'll write the response for you
Order a written chargeback response on Fiverr: a rebuttal letter matched to the reason code, plus a checklist of which evidence to attach and in what order. From $25 for one dispute, usually delivered in a day. You never share your login, and you submit it yourself. Banks decide, so nobody can promise a win.