Chargebacks911 (founded 2011) is a full-service, enterprise chargeback platform with broad alert-network coverage (CDRN + Ethoca) and deep compliance analysis — but pricing is custom and quote-based, often with per-alert/per-dispute fees and longer contracts. Aurai is transparent (25% only on wins, no monthly fee), self-serve, and set up in about two minutes, with fraud prevention built in. For most Stripe/Shopify ecommerce brands that want simplicity and predictable cost, Aurai is the easier fit.
What is a chargeback (and why automate it)?
A chargeback happens when a customer disputes a card payment with their bank instead of contacting the merchant. The bank pulls the funds back, adds a fee, and the merchant has to submit evidence to win the money back — within a tight deadline. At scale, chargebacks quietly drain margin and can put your payment account at risk.
The average card-not-present chargeback rate now runs between 0.6% and 1%, and friendly fraud — where a real customer disputes a legitimate purchase — makes up the majority of cases and is projected to keep climbing through 2026. Card networks have responded with standards like Visa Compelling Evidence 3.0 (CE 3.0), which lets merchants submit prior-transaction evidence to defend fraud disputes; Visa reports around 90% of surveyed merchants now use it. A good tool should support these standards out of the box.
At a glance
| Feature | Aurai | Chargebacks911 |
|---|---|---|
| Pricing model | 25% of won disputes | Custom / quote-based |
| Monthly / setup fees | None | Varies (often per-alert + per-dispute) |
| Contract | No contract | Often longer-term |
| Setup | Self-serve, ~2 minutes | Sales-led onboarding |
| Approach | Autonomous AI agent | Full-service + managed |
| Alert networks | Built-in fraud screening | CDRN + Ethoca (broad coverage) |
| Best fit | SMB–mid-market ecommerce | Large enterprise / high volume |
Pricing
This is the biggest difference. Aurai is fully transparent: 25% of won disputes, no setup fee, no monthly fee, no contract. Chargebacks911 uses custom, quote-based enterprise pricing — which can be tailored to large operations but is harder to compare, and reviewers note per-alert and per-dispute fees plus longer contract terms that can hide the true cost at higher volumes.
Aurai example. Chargebacks911 pricing is quoted per business and not publicly listed.
Automation & setup
Chargebacks911 is a comprehensive, highly scalable enterprise platform. It uses machine learning and Compelling Evidence 3.0 for active disputes, checks 106 points of non-compliance to find the root causes of disputes, and provides detailed recon and win/loss verdict reports. Onboarding is sales-led and the platform has a steeper learning curve.
Aurai takes an agent-first, self-serve approach — connect your processor and one autonomous agent detects disputes, builds evidence, and submits rebuttals automatically (typically ~90 seconds each), with setup in about two minutes and no sales call required.
Integrations
Chargebacks911 offers real-time API connectivity and serves merchants across many processors and industries, with its strength being broad alert-network coverage via CDRN and Ethoca from a single dashboard. Aurai integrates directly with Stripe, PayPal, and Shopify — the core stack for most ecommerce brands — with a fast, self-serve connection rather than a managed integration.
Fraud prevention
Chargebacks911's prevention is built on the breadth of its alert networks (CDRN + Ethoca), which is among the widest coverage available and well suited to large, multi-processor operations. Aurai includes fraud screening (Aurai Prevent) directly in the platform, scoring and blocking high-risk orders before they ship, alongside the dispute-fighting agent — so prevention and recovery are unified without separate network subscriptions.
Key differences explained
Pricing: transparent vs quote-based
Aurai publishes its price (25% on wins, no monthly fee). Chargebacks911 quotes custom enterprise pricing, which can suit large operations but is harder to compare and may include per-alert/per-dispute fees.
Setup: self-serve vs sales-led
Aurai is live in about two minutes with no sales call. Chargebacks911 uses a sales-led onboarding and has a steeper learning curve.
Scale: SMB-friendly vs enterprise-first
Chargebacks911 targets large enterprise and high-volume merchants. Aurai is designed for SMB-to-mid-market ecommerce that wants simplicity.
Coverage: built-in prevention vs broad alert networks
Chargebacks911's edge is the breadth of CDRN + Ethoca alert coverage. Aurai bundles fraud screening in the core product under one bill.
Pros & cons
Aurai
Chargebacks911
Which should you choose?
Choose Aurai if…
- You want transparent, predictable pricing
- You want to start in minutes, self-serve
- You're an SMB or mid-market ecommerce brand
- You want prevention and recovery in one tool
Choose Chargebacks911 if…
- You're a large enterprise with high volume
- You need the broadest alert-network coverage
- You want a managed, full-service relationship
- You require deep compliance/root-cause analysis
The bottom line
Chargebacks911 is built for large enterprises that want a managed, full-service platform with the broadest alert coverage — and can navigate custom pricing and longer contracts. Aurai is the better fit for the many ecommerce merchants who want transparent 25%-on-wins pricing, a two-minute self-serve setup, and fraud prevention built in, without enterprise complexity.
Frequently asked questions
What is a chargeback, and why automate fighting it?
A chargeback is when a customer disputes a card payment with their bank instead of the merchant, pulling the funds back and adding a fee. Automation tools gather evidence and submit a rebuttal before the deadline, so you don't lose winnable revenue.
How much does Chargebacks911 cost vs Aurai?
Aurai is transparent: 25% of won disputes, no monthly or setup fee. Chargebacks911 uses custom, quote-based enterprise pricing that isn't published and can include per-alert and per-dispute fees, so total cost depends on your contract.
Is Chargebacks911 better for enterprises?
Chargebacks911 is built for large enterprise and high-volume merchants and offers broad alert-network coverage and deep compliance analysis. Aurai targets SMB-to-mid-market ecommerce that wants simplicity and transparent pricing.
How long does setup take?
Aurai is self-serve and live in about two minutes. Chargebacks911 uses a sales-led onboarding process and has a steeper learning curve.
Does Aurai include fraud prevention like Chargebacks911's alerts?
Yes. Aurai includes fraud screening in the same platform. Chargebacks911's prevention is based on CDRN and Ethoca alert networks, which offer very broad coverage suited to large operations.
Can I switch from Chargebacks911 to Aurai?
Yes. Aurai connects directly to your payment processor, so you can be running in about two minutes with no data export needed.
Which should I choose, Aurai or Chargebacks911?
Choose Chargebacks911 if you're a large enterprise needing managed full-service support and the widest alert coverage. Choose Aurai if you want transparent pricing, fast self-serve setup, and built-in prevention for an SMB-to-mid-market store.
Comparison based on publicly available information about Chargebacks911 as of June 2026. Chargebacks911 is a trademark of its respective owner. Details may change; verify current specifics on each provider's website.