Short answer: The best chargeback protection service for an ecommerce brand depends on which chargebacks you want to stop paying for. Chargeback guarantee providers, such as Signifyd, Riskified, Forter, ClearSale and Bolt's Total Fraud Protection, screen orders and pay for fraud chargebacks on the orders they approve. Dispute services, such as Chargeflow, Justt and Chargebacks911, contest chargebacks after they arrive. Card-network tools, such as Verifi from Visa and Ethoca from Mastercard, help resolve disputes before they become chargebacks. The three kinds can work together.
Three kinds of chargeback protection
- Chargeback guarantee. A fraud prevention service decides which orders to approve and pays you back when an approved order charges back as fraud. It lowers your fraud loss.
- Dispute recovery. A service gathers evidence and contests chargebacks for you, usually including non-fraud reasons such as "item not received." It wins back part of what you lose.
- Pre-dispute alerts and resolution. Card-network tools tell you about a dispute early, or resolve it under rules you set, before it becomes a chargeback. They cut how many disputes turn into chargebacks.
Chargeback guarantee providers compared
Each row is as the provider describes it on its own site, read November 11, 2026. Terms vary by contract, so confirm them with each provider.
| Provider | What the guarantee covers, as described | How pricing works, as published | Source |
|---|---|---|---|
| Signifyd | Guaranteed Fraud Protection reimburses fraudulent chargebacks on approved orders. Signifyd says its Complete Chargeback Protection covers all chargebacks | A percentage of the order total on approved orders; no charge when an order is declined for fraud; quoted per merchant | [SG1][SG2] |
| Riskified | Chargeback Guarantee: Riskified says it guarantees approval rates and covers chargebacks. Dispute Resolve is included at no added cost | You pay only for approved orders | [R1] |
| Forter | A chargeback guarantee, or an "uncovered agreement" without one. Forter says it can start you on a guarantee and move you to an uncovered agreement over time | Custom quote | [F1] |
| ClearSale | Chargeback Guarantee: 100% of fraud-related chargebacks on approved orders. Total Chargeback Protection gives invoice discounts if agreed targets are missed, not full reimbursement | Fixed price per approved order (Chargeback Guarantee) | [CS1] |
| Shopify Protect | Fraudulent and unrecognized chargebacks on eligible Shop Pay orders | Free | [SH1] |
| Bolt Total Fraud Protection | 100% of fraud chargebacks on approved orders*. Built into Bolt checkout, with Bolt Payments or an approved third-party processor. Also available as a standalone add-on | 0.79% per transaction (rates may vary by industry) | [B1][B2] |
*Qualifying transactions, under your Bolt agreement.
Dispute and alert services compared
| Service | What it does, as described | How pricing works, as published | Source |
|---|---|---|---|
| Chargeflow | Automated chargeback recovery, pre-dispute alerts and fraud screening | Recovery: 25% of each recovered chargeback. Alerts: $29 per deflected chargeback. Screening: $0.10 per scanned transaction, first 1,000 free | [CF1] |
| Justt | Automated chargeback disputes, across all reason codes | Success-based: you pay when you win a chargeback | [JU1] |
| Chargebacks911 | End-to-end chargeback management, including representment and a merchant compliance review | Not published. Offers a performance-based ROI guarantee | [CB1] |
| Verifi Rapid Dispute Resolution (a Visa solution) | Decides Visa pre-disputes automatically under rules you set. Verifi says pre-disputes resolved with a cardholder credit don't count against Visa's dispute ratio | Not published | [V1] |
| Ethoca Alerts (Ethoca by Mastercard) | Near real-time fraud and dispute details, so you can act before a dispute escalates | Not published | [E1] |
How to choose
- Which chargebacks cost you most? Pull last year's chargebacks by reason code. Most guarantees above cover fraud chargebacks; check whether yours covers anything else. Non-fraud disputes, such as "item not received," are the job of dispute recovery and better post-purchase service.
- What do you pay on? Guarantees are priced on approved orders or per transaction. Dispute services often take a share of what they recover. Model each one on last year's orders.
- What happens to approvals? Ask each provider for approval-rate and chargeback-rate commitments in writing. Both affect revenue.
- Does it fit your stack? Separate services connect to your checkout and processor. Bolt's Total Fraud Protection is built into Bolt checkout.
- What does each chargeback cost you? Your processor charges a fee on every chargeback, won or lost. On Bolt Payments it's $7.50, half the industry standard of $15.
Where Bolt fits
Bolt's fraud protection is part of its checkout, so fraud screening and one-click checkout come from one vendor.
- Three levels. Basic fraud protection is included. Assisted is $0.30 per transaction. Total Fraud Protection is 0.79% per transaction (rates may vary by industry) and covers 100% of fraud chargebacks on approved orders*.
- Network signals. Bolt screens orders with signals from its overall network of 140 million shoppers.
- Recognized shoppers. Bolt recognizes shoppers by email plus a one-time code, across a one-click checkout network of over 100 million shoppers.
- Processor choice. Total Fraud Protection works with Bolt Payments or an approved third-party processor, and is also available as a standalone add-on.
- Lower chargeback fees. $7.50 per chargeback on Bolt Payments.
*Qualifying transactions, under your Bolt agreement.
See Bolt fraud protection and pricing. For a step-by-step approach, read how to reduce chargebacks without hurting conversion.
Sources
All read November 11, 2026.
- [SG1] Signifyd, Guaranteed Fraud Protection. https://www.signifyd.com/purchase-optimization/guaranteed-fraud-protection/
- [SG2] Signifyd, Pricing. https://www.signifyd.com/pricing/
- [R1] Riskified, Chargeback Guarantee. https://www.riskified.com/chargeback-guarantee/
- [F1] Forter, Pricing offer. https://www.forter.com/pricing-offer/
- [CS1] ClearSale, Chargeback protection. https://clear.sale/chargebackinsurance
- [SH1] Shopify Help Center, Shopify Protect. https://help.shopify.com/en/manual/payments/shop-pay/shopify-protect
- [CF1] Chargeflow, Pricing. https://www.chargeflow.io/pricing
- [JU1] Justt, FAQ. https://justt.ai/frequently-asked-questions/
- [CB1] Chargebacks911, Comprehensive chargeback management. https://chargebacks911.com/comprehensive-chargeback-management/
- [V1] Verifi, Rapid Dispute Resolution. https://www.verifi.com/rdr-automatically-stop-chargebacks.html
- [E1] Mastercard, Ethoca Alerts. https://www.mastercard.com/global/en/business/cybersecurity-fraud-prevention/dispute-management/ethoca-alerts.html
- [B1] Bolt pricing. /pricing
- [B2] Bolt fraud protection. /fraud
FAQ
What are the best chargeback protection services for ecommerce?
It depends on the chargebacks you want to stop paying for. For fraud chargebacks, chargeback guarantee providers such as Signifyd, Riskified, Forter, ClearSale and Bolt pay on orders they approve. For non-fraud disputes, dispute services such as Chargeflow, Justt and Chargebacks911 contest chargebacks for you. Verifi (Visa) and Ethoca (Mastercard) help resolve disputes before they become chargebacks. Bolt's Total Fraud Protection is built into Bolt checkout and covers 100% of fraud chargebacks on approved orders, for qualifying transactions under your Bolt agreement.
What is a chargeback guarantee?
A promise from a fraud prevention provider to pay you back when an order it approved charges back as fraud. What counts, and how claims are paid, differs by provider and contract.
What's the difference between chargeback protection and chargeback management?
Chargeback protection usually means a guarantee: the provider takes the fraud loss on orders it approves. Chargeback management usually means dispute work: contesting chargebacks with evidence and tracking outcomes. Many merchants need some of both.
Do chargeback guarantees cover every kind of chargeback?
Not always. ClearSale's Chargeback Guarantee and Signifyd's Guaranteed Fraud Protection are described as covering fraud chargebacks on approved orders; Signifyd describes its Complete Chargeback Protection as covering all chargebacks. Bolt's Total Fraud Protection covers fraud chargebacks on approved orders, for qualifying transactions under your Bolt agreement. Read the reason codes in each contract.
How much does chargeback protection cost?
Pricing models differ. Signifyd charges a percentage of approved orders, Riskified charges only for approved orders, ClearSale's Chargeback Guarantee is a fixed price per approved order, and Forter quotes custom pricing. Chargeflow takes 25% of each recovered chargeback, and Justt charges when you win. Bolt's Total Fraud Protection is 0.79% per transaction (rates may vary by industry).
Does Bolt offer a chargeback guarantee?
Yes. With Total Fraud Protection, Bolt covers 100% of fraud chargebacks on approved orders, for qualifying transactions under your Bolt agreement. It works with Bolt Payments or an approved third-party processor, and is also available as a standalone add-on.
Talk to Bolt
If chargebacks are eating into margin, we can show what Total Fraud Protection would cover on your orders and what it would cost. Contact sales.
Signifyd, Riskified, Forter, ClearSale, Shopify, Chargeflow, Justt, Chargebacks911, Verifi, Visa, Ethoca and Mastercard are trademarks of their owners. Bolt is not affiliated with or endorsed by these companies.