How Much Does Chargeback.io Cost?
We charge the following rates per alert:
Click the links on each alert network to see what they are and how they work.
š” Read this guide to see which alerts will work best for your needs.
How Youāre Charged
From Chargeback.io, you are only charged the cost of the alert.
In your payment processor, you will still lose the value of the transaction and payment processing fees.
However, a single pre-dispute alert helps you avoid much larger losses, like:
Prevents chargeback fees: Typically $10 ā $20 per chargeback + the value of the refunded transaction.
Prevents double-chargebacks: One order can sometimes lead to multiple chargebacks and multiple fees.
Keeps your chargeback rate low: Alerts donāt count toward your chargeback ratio, reducing the risk of account deactivation by your payment processor.
Lowers MATCH list risk: Fewer chargebacks mean less chance of being blacklisted by processors.
Avoids monitoring program penalties: High chargeback rates can place you in monitoring programs that can carry tens of thousands of dollars in fines.
Paying $15 or $29 for an alert is often far cheaper than the combined costs of fees, penalties, money holds, and long-term account risks that come with unmanaged chargebacks.
ā ļø Chargeback.io does not control which alerts youāre charged for. The type of alert depends on the card network and the customerās bank.
For example, if you get an Ethoca alert for a Visa transaction instead of a CDRN alert, thatās determined by the bankās participation in Ethoca.
How Does Billing With Chargeback.io Work?
A. In General
Balance billing: A balance is required to set up an account.
Instant billing: When you receive an alert, the fee is immediately deducted from your balance.
Bad alerts: We'll refund you for the following 'bad alerts':
If alerted on transactions that are already refunded.
Duplicate alert (e.g., 2 Ethoca alerts for the same transaction).
Alert for a non-existent transaction.
Learn how to file Credit Requests for 'bad alerts' in this guide.
B. Caveats
Enabling Ethoca and CDRN together rarely create duplicates on some transactions because of overlap.
RDR alerts are charged no matter whether it has the Declined status or it's automatically refunded.
Auto-refund rules or exceeding thresholds result in a Declined RDR status.
We cannot credit alerts with the Lost status that have transactions tied to them.
Always address Attention-status alerts to prevent wasted alert spend.
Upselling apps on Shopify will create multiple transactions for a single alert. You could receive 1 or more alerts for the same purchase, which we cannot refund.
Follow this guide on finding transactions for Attention alerts.
What Happens if I Miss a Payment?
1. Payment Attempts
If you use Shopify Payments, weāll send you an invoice.
If the invoice expires (or if you pay only by card):
Weāll try charging your card daily for 3 days.
After that, weāll keep trying for 7 more days.
After 10 consecutive failed days, weāll stop attempts.
Your account will be deactivated and unenrolled.
If your Balance is Critical, the same rule applies after 10 days.
During the first 3 days of failed attempts, weāll email you each time a charge fails.
2. Account Impact
If you have consecutive failed payment attempts, weāll deactivate all accounts, even if the failed payments came from different alert sets on different accounts.
What āDeactivated & Unenrolledā Means
Account status changes to Inactive.
No new alerts can be received.
This applies to descriptors that have the Unenrolled status.
You can still manage existing alerts.
You canāt add or manage descriptors.
You can top up your Balance.
ā ļø You might continue to receive alerts after entering the unenrollment process. Unenrolling from RDR, CDRN, and Ethoca can take up to 5 or more business days.
Chargeback.io canāt control how long providers take to finalize the disconnection.
ā ļø If an account is deactivated, and you're in the RDR enrollment process, the RDR enrollment process will stop then reset if you're activated.
3. Reactivation
To reactivate/reinstate your account, you'll need to make sure your is above the Critical level and at least at the Minimum requirement.
Follow this guide to manually top up your balance.
Once topped up, your account will automatically reactivate within 1ā2 business days.
š” Need more help?
Get support from our representatives at Chargeback.