ChargePay is an AI representment tool known for a lower headline rate (around 20% on wins) but a thinner feature set — notably a weaker alert/prevention system. Aurai charges 25% on wins but bundles fraud prevention into the same platform, with a single autonomous agent, live ROI, and a two-minute setup. If absolute lowest rate is the priority, ChargePay competes; if you want prevention and recovery unified, Aurai usually nets out ahead.
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 | ChargePay |
|---|---|---|
| Pricing model | 25% of won disputes | ~20% of won disputes |
| Monthly / setup fees | None | None advertised |
| Approach | Autonomous AI agent | AI representments |
| Setup | Self-serve, ~2 minutes | Self-serve |
| Fraud prevention | Built in (Aurai Prevent) | Limited / lacks robust alerts |
| Live ROI view | Yes | Limited |
| Best fit | Prevention + recovery in one place | Lowest headline rate, recovery-only |
Pricing
ChargePay's headline rate is lower — around 20% of won disputes versus Aurai's 25%— with no advertised monthly fee. On rate alone, ChargePay is cheaper per win. The trade-off is scope: Aurai's 25% includes built-in fraud prevention and a live ROI view, whereas ChargePay focuses on representment and lacks a robust alert/prevention system, so preventable chargebacks may still get through.
Rate comparison on won disputes. Total value also depends on prevention, which Aurai includes.
Automation & setup
ChargePay uses AI-driven representments to build and submit dispute responses, and is positioned as a cheaper, recovery-focused alternative. Aurai's autonomous agent detects disputes, builds tailored reason-code-specific evidence, submits rebuttals automatically (~90 seconds each), and additionally screens incoming orders for fraud — from a two-minute self-serve setup.
Integrations
Both connect to common ecommerce processors. Aurai integrates directly with Stripe, PayPal, and Shopify, with a fast self-serve connection and prevention bundled in.
Fraud prevention
This is the key gap. ChargePay is recovery-focused and lacks a robust alert/prevention system, so chargebacks that could have been stopped pre-dispute may still land. Aurai includes fraud screening (Aurai Prevent) in the same platform, scoring and blocking high-risk orders before they ship — so you're not only winning disputes but reducing how many you get.
Key differences explained
Rate vs scope
ChargePay's ~20% is lower per win; Aurai's 25% bundles fraud prevention and live ROI, which can net out ahead by reducing chargeback volume.
Prevention: built-in vs limited
Aurai includes fraud screening to stop chargebacks pre-dispute. ChargePay lacks a robust alert/prevention system.
Reporting: live ROI vs limited
Aurai shows a continuously updated ROI view of recovered value versus fees; ChargePay's reporting is more limited.
Scope: unified vs recovery-only
Aurai unifies prevention and recovery in one agent; ChargePay focuses on representment.
Pros & cons
Aurai
ChargePay
Which should you choose?
Choose Aurai if…
- You want prevention + recovery in one tool
- You want to reduce chargeback volume, not just win
- You value a live ROI view
- You want a single autonomous agent
Choose ChargePay if…
- Lowest headline rate is your top priority
- You only want representment, not prevention
- You already run separate prevention elsewhere
- You have low, simple dispute volume
The bottom line
ChargePay competes on price with a lower ~20% rate, and if you only want representment that can be attractive.But it lacks robust prevention, so preventable chargebacks may still land. Aurai's 25% bundles fraud prevention and a live ROI view — unifying prevention and recovery — which usually nets out ahead by reducing how many chargebacks you face in the first place.
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. Automation tools gather evidence and submit a rebuttal before the deadline, so you don't lose winnable revenue.
Is ChargePay cheaper than Aurai?
On headline rate, yes — ChargePay charges around 20% of won disputes versus Aurai's 25%. But Aurai's fee includes built-in fraud prevention and a live ROI view, while ChargePay is recovery-only and lacks robust alerts, so it may let preventable chargebacks through.
Does ChargePay prevent chargebacks?
ChargePay is recovery-focused and lacks a robust alert/prevention system. Aurai includes fraud screening in the same platform to stop high-risk orders before they ship.
Which gives better overall value?
If lowest rate per win is all that matters, ChargePay's ~20% is cheaper. If reducing total chargeback volume matters, Aurai's bundled prevention often nets out ahead despite the higher rate.
How long does setup take?
Both are self-serve. Aurai connects to your processor and is live in about two minutes.
Can I switch from ChargePay 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 ChargePay?
Choose ChargePay if the lowest headline rate and representment-only is your priority. Choose Aurai if you want prevention and recovery unified, a live ROI view, and fewer chargebacks overall.
Comparison based on publicly available information about ChargePay as of June 2026. ChargePay is a trademark of its respective owner. Details may change; verify current specifics on each provider's website.