Aurai and Chargeflow both fight chargebacks automatically and charge the same 25% only on wins — no monthly fee. Chargeflow is the established player with the widest integration list. Aurai matches it on the core Stripe, PayPal, and Shopify stack and includes fraud prevention in the same platform — with a single autonomous agent and a live ROI view. If you sell on Shopify or Stripe and want prevention and recovery in one place, Aurai is the stronger 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 | Chargeflow |
|---|---|---|
| Pricing model | 25% of won disputes | 25% of won disputes |
| Monthly / setup fees | None | None |
| Approach | Autonomous AI agent | AI automation |
| Setup time | ~2 minutes | Under ~90 seconds |
| Processors & platforms | Stripe, PayPal, Shopify | Stripe, PayPal, Shopify, WooCommerce, Braintree |
| Fraud prevention | Built in (Aurai Prevent) | Add-on (Chargeflow Alerts) |
| Live ROI view | Yes | Insights dashboard |
| Best fit | Stripe & Shopify ecommerce wanting built-in prevention | Established Shopify brands |
Pricing
The headline pricing is identical:both are success-based at 25% of won disputes, with no setup fee, no monthly fee, and no contract. You're never charged for disputes that don't succeed. The difference is fraud prevention — built into Aurai, billed separately as Alerts with Chargeflow.
Illustrative example — the 25% fee is the same on both platforms.
Automation & setup
Chargeflow is a mature, highly automated platform with a near-instant install (under ~90 seconds) and a strong Shopify track record — its Shopify App Store listing sits at 4.6 out of 5 across several hundred reviews. Its dispute engine pulls from 1,000+ data points across your store, processor, helpdesk (Gorgias, Zendesk, Gmail), shipping carriers, and subscription tools, builds a reason-code-specific evidence package, and submits it automatically — with support for Visa Compelling Evidence 3.0.
Aurai takes an agent-first approach— one autonomous agent detects a dispute, gathers evidence, writes a tailored rebuttal, submits it (typically ~90 seconds per dispute), and screens incoming orders for fraud. Setup is about two minutes via your processor's secure connection.
Integrations
Aurai integrates deeply with Stripe, PayPal, and Shopify — including full Shopify support, where it performs on par with Chargeflow for Shopify-based merchants. Chargeflow currently lists a few additional platforms (Shopify Plus, WooCommerce, and Braintree), so if you specifically run WooCommerce or Braintree, that broader list is worth weighing. For the core Stripe / PayPal / Shopify stack that most ecommerce brands use, both cover you fully.
Fraud prevention
Chargeflow offers prevention through Chargeflow Prevent / Alerts, which taps Visa and Mastercard networks plus a shared intelligence network of around 15,000 merchants to flag risky orders — billed separately, per prevented chargeback. Aurai includes fraud screening (Aurai Prevent) in the same platform, scoring and blocking high-risk orders before they ship — so detection, prevention, and recovery live in one place under one bill.
Key differences explained
Approach: autonomous agent vs automation suite
Chargeflow is a suite of automated tools (recovery, Alerts, Insights) that work together. Aurai is built as a single autonomous agent — it decides which disputes to fight, builds and submits the evidence, and screens new orders for fraud, all from one place.
Prevention: built in vs add-on
With Chargeflow, prevention is a separate Alerts product billed per prevented chargeback. With Aurai, fraud screening is part of the core platform under one bill.
Reporting: live ROI vs Insights dashboard
Both surface analytics. Chargeflow's Insights is a dedicated reporting product; Aurai shows a continuously updated, live ROI view of recovered value versus fees.
Maturity: established vs modern
Chargeflow has the longer track record and the broader integration list. Aurai is the newer, Stripe-and-Shopify-focused option with prevention and recovery unified from day one.
Pros & cons
Aurai
Chargeflow
Which should you choose?
Choose Aurai if…
- You sell on Shopify or Stripe
- You want fraud prevention built in
- You prefer one autonomous agent + live ROI
- You're a modern DTC brand starting fresh
Choose Chargeflow if…
- You're an established Shopify brand
- You need WooCommerce or Braintree
- You want the longest track record
- You prefer a separate, dedicated alerts product
The bottom line
Pricing is the same (25% on wins, no monthly fee), so it comes down to stack and approach. Chargeflow is a proven pick with the widest integration list. Aurai matches it on the core Stripe, PayPal, and Shopify stack — and pulls ahead for merchants who want fraud prevention built in (not a separate add-on) and a single autonomous agent with transparent, live ROI.
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. Fighting one means gathering evidence and submitting a rebuttal before a deadline. Automation tools like Aurai and Chargeflow do this for you, so you don't lose winnable revenue to missed deadlines or weak evidence.
Is Aurai cheaper than Chargeflow?
Both charge 25% of won disputes with no monthly or setup fees, so headline pricing is identical. The real cost difference is fraud prevention: Aurai includes it, while Chargeflow's Alerts product is billed separately per prevented chargeback.
Which is better for Shopify?
Both are strong on Shopify. Aurai offers full Shopify support and performs on par with Chargeflow for Shopify merchants, while also including fraud prevention in the same platform. Chargeflow additionally covers WooCommerce and Braintree, so the edge only matters if you run those.
Which is better for high-ticket stores?
For high-value disputes, win rate and evidence quality matter most. Both use AI to build evidence; Aurai's agent also weights high-value disputes and pairs recovery with built-in fraud screening to stop costly chargebacks before they happen.
Does Chargeflow have a free trial?
Chargeflow's model is success-based with no upfront cost, so there's effectively nothing to pay until a dispute is won. Aurai works the same way — you can start free and only pay the 25% fee on wins.
Can I switch from Chargeflow to Aurai?
Yes. Aurai connects directly to your payment processor, so switching takes about two minutes — connect your processor and Aurai handles new disputes automatically, with no data export needed.
Do I need both a prevention and a recovery tool?
Most merchants benefit from both: prevention stops some chargebacks before they file, and recovery wins the ones that do. Aurai combines both in one platform; with Chargeflow, recovery is core and prevention is a separate Alerts add-on.
Which should I choose, Aurai or Chargeflow?
Choose Chargeflow if you're an established Shopify brand wanting a proven tool with the widest integrations. Choose Aurai if you sell on Shopify, Stripe, or PayPal, want fraud prevention built in rather than added on, or prefer a single autonomous agent with a live ROI view.
Comparison based on publicly available information about Chargeflow as of June 2026. Chargeflow is a trademark of its respective owner. Details may change; verify current specifics on each provider's website.