Verdikx vs ChargePay at a glance
| Feature | Verdikx | ChargePay |
|---|---|---|
| Pricing model | Subscription (billed through Shopify for Shopify stores, by card for others): Starter $29, Growth $79, Pro $199 a month, yearly saves 20% | Subscription: Basic $19.99, Grow $39.99, Advanced $79.99 and Plus $99.99 a month, each tied to a Shopify plan tier; yearly saves 20%; alert fees are extra when alerts are enabled[1] |
| What each plan includes | Starter covers Shopify dispute evidence, with AI drafts and the AI claim check for 10 cases a month; order screening before you ship, returns-abuse review and unlimited AI drafts and AI claim checks (fair use) start on Growth at $79; Pro adds custom risk rules | Every plan includes unlimited chargebacks, an agentic AI model and fully automated chargeback recovery[1] |
| How the plan is set | By features and a monthly screened-order limit; one store per plan | Each plan is tied to a Shopify plan tier[1] |
| Fraud screening before fulfillment | Yes, on Growth and up: after the order is placed and before it ships (Verdikx never blocks checkout), a 0 to 100 risk score with plain-English reasons on new Shopify orders, IP intelligence, a storefront device pixel, blocklists and Verdikx Network history; High-risk orders are held for your review, and custom risk rules are on Pro | Fraud screening and order validation are named on its Shopify listing; when screening runs is not publicly stated[1] |
| Who decides on a risky order | You do. Verdikx scores the order and explains why, holds High-risk orders for your review (on by default) and runs rules you write on Pro. Verdikx never cancels an order on its own. With order screening (Growth and up), it holds risky Shopify orders and orders from customers you block, and you decide whether to cancel. Autopilot never accepts a dispute | Not publicly stated |
| Shared merchant network | Opt-in Verdikx Network (new, so signals are few at first): stores that join share chargeback and refund-abuse outcomes as keyed one-way hashes (HMAC-SHA256), never raw customer data; a shopper is flagged only once three other participating merchant accounts report them, and your decisions and blocklists are never shared | Not publicly stated |
| Chargeback management | Yes: an evidence record for every order, AI-assisted drafts and submission for Shopify Payments and Stripe (live), more processors in beta, and chargebacks from any processor or bank by email or CSV | Every plan includes unlimited chargebacks with fully automated chargeback recovery; its listing also names evidence tailored to issuer reason codes[1] |
| Returns and refund abuse | Yes, on Growth and up: refund-abuse scores, customer risk profiles and return-request recommendations (approve, review or decline-recommended) with reasons | Not publicly stated |
| Guarantee | No outcome guarantee and no chargeback reimbursement: banks and card networks decide disputes, and the merchant keeps fraud liability | Not publicly stated |
| Card-network alerts | Stripe early fraud warnings with auto-refund policies (live, Growth and up); Visa RDR and Mastercard Ethoca alerts coming soon | $29 per Ethoca alert and $19 per RDR or CDRN alert, when alerts are enabled[1] |
| Store platforms | Shopify app for Shopify stores; WooCommerce (beta) and processor-only workspaces created on verdikx.com and paid by card. BigCommerce, Wix, Squarespace, Magento 2, commercetools, VTEX and Miva connect directly (beta); marketplaces such as Amazon, eBay and Etsy coming soon | Shopify (App Store listing)[1] |
| Payment processors | Shopify Payments and Stripe live; Braintree, Adyen, Checkout.com, Authorize.net, Klarna and Afterpay in beta; PayPal and Square coming soon; chargeback notices from any processor or bank by email or CSV | Shopify Payments, Stripe and PayPal; its listing also names Braintree, Chargebee, Klarna, Affirm, AfterPay, Recharge and Bold Subscriptions among the services it works with[1] |
| Automation and control | Autopilot on Growth and up: automatic drafts, and opt-in auto-submission only inside merchant-set limits, by default 48 hours before the deadline. Verdikx never cancels an order on its own. With order screening (Growth and up), it holds risky Shopify orders and orders from customers you block, and you decide whether to cancel. Autopilot never accepts a dispute | Fully automated chargeback recovery on every plan[1] |
| AI-written dispute responses | AI-assisted drafts the merchant can review and edit, and an AI claim check that sets the cardholder's claim against the store's records: AI drafts and the AI claim check for 10 cases a month on Starter (one shared count), unlimited AI drafts and AI claim checks (fair use) on Growth and Pro | An agentic AI model on every plan, with evidence tailored to issuer reason codes[1] |
| Analytics | Dispute breakdowns by card network and type, with chargeback-ratio alerts, on every plan; chargeback insights with PDF and CSV reports from Growth | An analytics dashboard[1] |
| Free trial | 7-day free trial on every plan | 7-day free trial on each plan[1] |
| Contract | Monthly or yearly plan through Shopify Billing for Shopify stores; cancel anytime | Not publicly stated |
The short version
Verdikx is a fraud, chargeback and dispute platform for e-commerce and SaaS merchants, made by Verdikx LLC (New Jersey, United States). It installs as a Shopify app, screens new orders for fraud, keeps an evidence record for every order, prepares dispute responses across payment processors and flags returns abuse, on a flat subscription.
ChargePay's Shopify App Store listing ("ChargePay-Chargeback AI Agent") describes fraud screening, chargeback alerts, prevention AI, order validation, evidence tailored to issuer reason codes and an analytics dashboard. It says every plan includes unlimited chargebacks, an agentic AI model and fully automated chargeback recovery. It lists four plans, Basic $19.99, Grow $39.99, Advanced $79.99 and Plus $99.99 a month, each tied to a Shopify plan tier and each with a 7-day free trial; yearly billing saves 20%. Alerts cost extra when they are enabled: $29 per Ethoca alert and $19 per RDR or CDRN alert.
How the prices compare
Both are subscriptions, so neither takes a share of what you win back. On listed prices, ChargePay costs less: its plans run from $19.99 to $99.99 a month, and Verdikx's from $29 (Starter) to $199 (Pro); yearly billing saves 20% on both. ChargePay's entry plan includes unlimited chargebacks. On Verdikx, Starter covers Shopify dispute evidence, with AI drafts and the AI claim check for 10 cases a month; order screening before you ship, returns-abuse review and unlimited AI drafts and AI claim checks (fair use) start on Growth at $79. ChargePay charges per alert when alerts are enabled; Verdikx's Visa RDR and Mastercard Ethoca alerts are coming soon, and Stripe early fraud warnings with auto-refund policies are included from Growth.
The plans are also set differently: ChargePay ties each plan to a Shopify plan tier, while a Verdikx plan is chosen by its features and its monthly screened-order limit.
How to choose
- List what you need in one tool. If dispute recovery on every chargeback is the main job, compare the entry plans. If you also want screening before you ship and returns-abuse review, compare the plans that include them.
- Add alert fees. If you will enable alerts, multiply the alerts you expect by ChargePay's per-alert prices.
- Decide how much control you want over submissions. ChargePay describes fully automated recovery. Verdikx Autopilot submits only inside limits you set and where the processor allows it; otherwise you review and confirm each response.
- Check your processors and platform. Confirm each processor you use, and at what maturity (live, beta or coming soon), on Connections.
When ChargePay is the better choice
- You want a lower subscription price: ChargePay's plans start at $19.99 a month, below Verdikx Starter at $29.
- You want ChargePay's unlimited chargebacks and fully automated recovery on the entry plan; Verdikx Starter includes AI drafts and the AI claim check for 10 cases a month.
- You want Visa RDR, CDRN and Mastercard Ethoca alerts today, paid per alert; Verdikx's Visa RDR and Mastercard Ethoca alerts are coming soon.
- You need a direct PayPal connection today: ChargePay's Shopify listing names PayPal as a processor, while Verdikx's direct PayPal connection is coming soon.
When Verdikx is the better choice
- You want the final say on risky orders: from Growth up, Verdikx scores each order after it is placed and before it ships, with plain-English reasons, holds High-risk orders for your review and never cancels an order on its own.
- You want refund and returns abuse reviewed in the same tool, with a recommendation and reasons on each return request (Growth and up).
- You want to stay in control: nothing is submitted unless you confirm it or have turned on Autopilot rules. Verdikx never cancels an order on its own. With order screening (Growth and up), it holds risky Shopify orders and orders from customers you block, and you decide whether to cancel. Autopilot never accepts a dispute.
- You also take payments through Adyen, Checkout.com or Authorize.net (beta) and want every dispute in one inbox, including chargeback notices from any processor or bank by email or CSV.
- You want cross-store fraud signals on your terms: the Verdikx Network is opt-in, shares outcomes as keyed hashes rather than customer data, and flags a shopper only after three other participating merchant accounts report them.
Verdikx does not guarantee dispute outcomes: banks and card networks decide disputes.
Frequently asked questions
Is ChargePay cheaper than Verdikx?
On listed prices, yes. ChargePay's Shopify listing shows plans from $19.99 to $99.99 a month, and Verdikx's are Starter $29, Growth $79 and Pro $199 a month; neither takes a share of what you win back. Every ChargePay plan includes unlimited chargebacks and fully automated recovery, with alert fees when alerts are enabled. On Verdikx, Starter covers Shopify dispute evidence, with AI drafts and the AI claim check for 10 cases a month; order screening before you ship, returns-abuse review and unlimited AI drafts and AI claim checks (fair use) start on Growth at $79.
Does ChargePay screen orders like Verdikx?
ChargePay's Shopify listing names fraud screening and order validation; it does not say when screening runs or who decides on a risky order. Verdikx screens from Growth up: every new order is scored after it is placed and before it ships, with plain-English reasons, and High-risk orders are held for your decision rather than cancelled.
Does Verdikx have Ethoca and RDR alerts like ChargePay?
Not yet. Card-network alerts (Visa RDR and Mastercard Ethoca) are coming soon to Verdikx. Today Verdikx brings Stripe early fraud warnings into one inbox and can refund them automatically under policies you set, on the Growth and Pro plans. ChargePay's listing charges $29 per Ethoca alert and $19 per RDR or CDRN alert when alerts are enabled.
Can I switch from ChargePay to Verdikx?
Yes. Install Verdikx from the Shopify App Store, connect your processors, and new disputes start arriving in Verdikx. Disputes already submitted through another tool stay with the bank until they are decided. You can run both on new disputes during the trial, then cancel whichever you do not keep. Check your other tool's terms before cancelling.
See it on your own orders.
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Sources
- ChargePay on the Shopify App Store (checked October 14, 2026)
Last reviewed by Verdikx Research.