Midigator (founded 2014, acquired by Equifax in 2021 and paired with Kount) is strong on reason-code analytics, descriptor analysis, and reporting, with per-dispute pricing and volume discounts. Aurai is success-based (25% only on wins, no monthly fee), self-serve in about two minutes, and includes fraud prevention in one platform. If you want deep analytics inside an enterprise data company, Midigator fits; if you want simple, transparent, hands-off recovery, Aurai does.
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 | Midigator |
|---|---|---|
| Pricing model | 25% of won disputes | Per-dispute + volume discounts |
| Monthly / setup fees | None | Varies (transaction/monthly/setup) |
| Approach | Autonomous AI agent | Automation + deep analytics |
| Setup | Self-serve, ~2 minutes | Onboarding via Equifax/Kount |
| Strength | Hands-off recovery + prevention | Reason-code & descriptor analytics |
| Processors & platforms | Stripe, PayPal, Shopify | Stripe, Shopify, WooCommerce, Braintree, +more |
| Best fit | Merchants wanting simple, hands-off recovery | Analytics-driven / high mixed volume |
Pricing
Aurai is success-based and transparent: 25% of won disputes, no monthly or setup fee, no contract. Midigator typically uses per-dispute pricing with volume discounts, and as an enterprise product (now part of Equifax) may include transaction, monthly, or setup components depending on your agreement.
Aurai example. Midigator pricing is quoted per merchant.
Automation & setup
Midigator's strength is data and analytics: automated representment plus reason-code breakdowns, win-rate by issuing bank, and descriptor analysis that often reveals merchants are losing disputes simply because their billing descriptor doesn't match the brand customers recognize. Fixing that alone can meaningfully cut chargeback volume. It's SOC 2 Type II and PCI-DSS compliant and now sits alongside Kount inside Equifax.
Aurai is an autonomous agent — it detects disputes, builds tailored evidence, and submits rebuttals automatically (~90 seconds each) and screens new orders for fraud, with a two-minute self-serve setup.
Integrations
Midigator integrates broadly — including Stripe, Shopify, WooCommerce, Braintree, Authorize.Net, Paysafe, Worldpay and more — reflecting its enterprise and high-volume heritage. Aurai integrates directly with Stripe, PayPal, and Shopify, the core stack for most ecommerce brands, with a fast self-serve connection.
Fraud prevention
Midigator's prevention leans on analytics and threshold monitoring — tracking chargeback counts/ratios in real time, alerting on approaching thresholds, and tracing disputes to specific traffic sources or billing cycles. Aurai includes fraud screening (Aurai Prevent) directly in the platform, scoring and blocking high-risk orders before they ship, so prevention and recovery work together automatically.
Key differences explained
Focus: hands-off recovery vs deep analytics
Aurai optimizes for hands-off recovery plus built-in prevention. Midigator's standout is its analytics — reason-code, issuing-bank, and descriptor insights.
Pricing: success-based vs per-dispute
Aurai charges 25% only on wins with no monthly fee. Midigator uses per-dispute pricing with volume discounts, quoted per merchant.
Ownership: independent vs Equifax
Midigator is now an Equifax company paired with Kount's fraud tools. Aurai is independent, with prevention and recovery in one product.
Setup: self-serve vs enterprise onboarding
Aurai is live in ~2 minutes, self-serve. Midigator is onboarded as part of an enterprise/Equifax relationship.
Pros & cons
Aurai
Midigator
Which should you choose?
Choose Aurai if…
- You want simple, hands-off recovery
- You want transparent success-based pricing
- You want prevention built in
- You're an SMB or mid-market store
Choose Midigator if…
- You want deep reason-code/descriptor analytics
- You run high, mixed dispute volume
- You're already in the Equifax/Kount ecosystem
- You have an analyst team to use the data
The bottom line
Midigator is the choice if analytics are your priority — its reason-code and descriptor insights are genuinely strong, especially for high, mixed volume. Aurai is the better fit if you want transparent 25%-on-wins pricing, a two-minute setup, and hands-off recovery with fraud prevention built in, without enterprise onboarding.
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 to missed deadlines or weak evidence.
How does Midigator's pricing compare to Aurai?
Aurai is transparent at 25% of won disputes with no monthly or setup fee. Midigator typically uses per-dispute pricing with volume discounts, quoted per merchant, and may include other components as an enterprise product.
Is Midigator better for analytics?
Midigator's standout strength is analytics — reason-code breakdowns, win-rate by issuing bank, and descriptor analysis. If deep reporting is your priority, it's strong. Aurai focuses on hands-off recovery plus built-in prevention.
Is Midigator owned by Equifax?
Yes. Midigator was acquired by Equifax in 2021 and is paired with Kount's fraud-prevention tools. Aurai is independent, with prevention and recovery in one product.
How long does setup take?
Aurai is self-serve and live in about two minutes. Midigator is onboarded as part of an enterprise/Equifax relationship.
Can I switch from Midigator 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 Midigator?
Choose Midigator if deep analytics and descriptor insights matter most, especially at high volume. Choose Aurai if you want transparent pricing, fast setup, and hands-off recovery with built-in prevention.
Comparison based on publicly available information about Midigator as of June 2026. Midigator is a trademark of its respective owner. Details may change; verify current specifics on each provider's website.