Chargeback.io holds 4.9 stars from 116 reviews on the Shopify App Store and is a prevention product. The highest-rated app in the category, and the strongest pure-prevention option. Deflecting a dispute inside the alert window avoids the fee and the dispute-ratio hit entirely. Aurai covers both prevention and representment on a single 25%-of-wins fee, with no monthly cost and nothing owed on a loss — but no review history yet. Aurai bundles alert response at no extra cost and fights what files, so you are not choosing between prevention and recovery.
What is a chargeback, and why automate the response?
A chargeback is a customer disputing a card payment with their bank rather than asking you for a refund. The money is pulled back immediately, a fee is charged whether or not you contest, and the dispute counts against the ratio the card networks monitor. You then have a fixed window — often 7 to 21 days — to submit evidence.
Doing that by hand works below roughly five disputes a month. Past that, deadlines slip, and a missed deadline is an automatic loss. Tools in this category automate one or both halves of the problem: stopping disputes before they file, and answering the ones that do. Chargeback.io is a prevention product; Aurai does both. That distinction matters more than any feature list — a lost dispute costs roughly 2.5× the order value once goods and staff time are counted.
At a glance
| Feature | Aurai | Chargeback.io |
|---|---|---|
| App Store rating | New listing — no reviews yet | 4.9 (116 reviews) |
| Category | Prevention + representment | prevention |
| Pricing model | 25% of recovered disputes | Free to install · $15–29 per chargeback alert |
| Monthly / setup fees | None | None stated |
| Fights filed disputes | Yes | No |
| Prevents disputes filing | Yes, included | Yes |
| Works with | Stripe, PayPal, Shopify | Airwallex, authorize.net, Braintree, Oceanpayment, Stripe — and "almost all payment processors" |
| Built for Shopify badge | No | Yes |
| Setup time | ~2 minutes | Not stated on listing |
| Developer | Aurai | Chargeback Solutions FZCO |
Read from the live App Store listing on September 9, 2026. Ratings and pricing change — check the current listing before deciding. Where Chargeback.io's listing does not state something, this says so rather than guessing.
Pricing
Chargeback.io: Free to install · $15–29 per chargeback alert. That is what the listing states as of September 9, 2026.
Aurai: free to install, then 25% of each dispute it recovers. No monthly fee, no setup fee, nothing owed when a dispute is lost. Prevention is included rather than billed separately or per alert.
The models are not directly comparable across categories. A per-alert fee scales with your dispute volume whether or not the alert would have become a chargeback; a success fee only costs you after money has come back. Work it out with your own numbers in the cost calculator.
Automation & setup
Chargeback.io runs on autopilot once enrolled: it receives the pre-dispute alert and can refund automatically inside the window. Enrolment means registering your billing descriptors with the alert networks, which takes days rather than minutes. Its listing does not state a setup time. Aurai connects over OAuth in about two minutes and needs no descriptor registration to start.
Aurai takes an agent-first approach — one autonomous agent detects the dispute, gathers evidence, writes a reason-code-specific rebuttal, and submits it, typically in about 90 seconds per dispute. Setup is an OAuth connection to your processor and takes roughly two minutes, with nothing to install on your storefront and no code change.
Integrations
Chargeback.io lists: Airwallex, authorize.net, Braintree, Oceanpayment, Stripe — and "almost all payment processors". It carries Shopify's Built for Shopify badge.
Aurai connects to Stripe, PayPal and Shopify Payments. It does not carry the Built for Shopify badge yet. If your volume runs through a processor outside those three, that is a reason to prefer Chargeback.io.
Fraud prevention
Chargeback.io is prevention-first: it works to stop disputes reaching the filing stage at all. That avoids the fee and the ratio damage entirely, but does nothing for a dispute that files anyway.
Aurai screens every order on AVS, CVV, 3DS, IP-versus-billing and velocity signals, and responds to pre-dispute alerts automatically at no extra cost. Whether prevention or recovery is your urgent problem depends on how close you are to the network thresholds — Visa VDMP at 0.9%, Mastercard ECM at 1.5%.
Key differences explained
Alerts versus representment
Chargeback.io buys network alerts so you can refund before a chargeback files. Aurai does that too, then fights whatever files anyway. Alerts cannot help with a dispute that already exists.
Cost that scales with your problem
$15–29 per alert rises with your dispute volume, and you pay it whether or not that alert would have become a chargeback. Aurai's 25% only applies after money has come back.
The refund is not free
A deflected alert costs the fee plus the full refund plus the goods. A dispute you win costs nothing. That trade only clearly favours deflection when you are near the network thresholds.
Coverage breadth
Chargeback.io lists broader processor support — Braintree, authorize.net, Airwallex. Aurai covers Stripe, PayPal and Shopify only, which is a real gap if you are on another rail.
Pros & cons
Aurai
Chargeback.io
Which should you choose?
Choose Aurai if…
- You want disputes fought, not only deflected
- You would rather not pay $15–29 per alert
- You sell on Stripe, PayPal or Shopify
- You want one fee covering prevention and recovery
Choose Chargeback.io if…
- You are close to the VDMP or ECM threshold
- You need Braintree, authorize.net or Airwallex
- You want the highest-rated app in the category
- Prevention alone is the problem you are solving
The bottom line
Chargeback.io is the strongest pure-prevention app here and its 4.9 rating is earned. But alerts cannot recover a dispute that has already filed, and per-alert pricing rises with your dispute volume. Aurai deflects what it can and fights the rest, on one success fee — with no review history yet to prove it.
Frequently asked questions
How much does Chargeback.io cost?
Chargeback.io's Shopify App Store listing shows: Free to install · $15–29 per chargeback alert. Aurai charges 25% of disputes it recovers, with no monthly fee and nothing owed when it loses. Check the current listing before deciding — App Store pricing changes.
Is Chargeback.io any good?
Chargeback.io holds 4.9 stars from 116 reviews on the Shopify App Store as of September 9, 2026. The highest-rated app in the category, and the strongest pure-prevention option. Deflecting a dispute inside the alert window avoids the fee and the dispute-ratio hit entirely.
What are the alternatives to Chargeback.io?
The Shopify App Store chargeback category includes Chargeflow, Chargeback.io, Disputifier, Chargeblast, ChargePay, Signifyd, Reclaim and Aurai. They divide into prevention (alerts), representment (fighting filed disputes), guarantee (fraud reimbursement) and blocking. Chargeback.io is prevention, so pick an alternative in the same category unless you are changing what you need.
Chargeback.io vs Aurai — what is the difference?
Aurai bundles alert response at no extra cost and fights what files, so you are not choosing between prevention and recovery.
Aurai builds a competing app; that is disclosed in the byline and Aurai's own lack of review history is stated alongside Chargeback.io's rating. Ratings, review counts and pricing were read from the Shopify App Store on September 9, 2026and change over time. Positioning paraphrases the vendor's own listing description. Chargeback.io is a trademark of Chargeback Solutions FZCO; Aurai is independent and not affiliated with or endorsed by them.