SaaS and subscriptions
Answer "subscription canceled" and "unrecognized charge" disputes with the subscription, invoice and payment history Stripe holds, and see which proof is still missing before you submit.
See SaaS use caseChargeback protection for online merchants
Chargeback prevention that wins disputes
Get every Stripe dispute and fraud warning in minutes, send evidence before the deadline, and keep your chargeback ratio far from the danger line.
Read and dispute permissions only. We never move your money.
Integrations
Built for merchants on Stripe
- Stripe
- Visa
- Mastercard
- American Express
- Discover
Connect Stripe in about a minute with a restricted key that reads payments and disputes and submits evidence, with no change to your checkout and no code. NoChargeback works with Stripe only.
Every stage of a dispute
Chargeback protection from the first warning to the final decision
Most merchants find out about a chargeback when the money is already gone and the deadline is close. NoChargeback watches every stage of a dispute, so you act while you still have options.
Alert feed
- Early fraud warningVisa, $129.00 Refund advised
- Chargeback 13.2Visa, $49.00 Due in 6 days
- Chargeback 4853Mastercard, $86.40 Won
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Early fraud warning
The card issuer flags a payment as possible fraud, often before any dispute
Alerts you in minutes and shows whether a refund now costs less than a chargeback later
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Inquiry
The bank asks for information before filing a formal chargeback
Drafts a reply with the order details so the inquiry can close without a chargeback
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Chargeback
Money is pulled back and a fee is charged
Builds the evidence pack for that reason code, drafts the letter, counts down to the due date
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Pre arbitration
The cardholder or issuer pushes back after you won the first round
Flags it, shows what new evidence matters, and helps you decide whether to fight or accept
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Ratio
Visa and Mastercard measure disputes against sales every month
Tracks your ratio per account and network and warns you at 70 and 90 percent of the threshold
Every stage lands in one feed. Read more about chargeback alerts, automated chargeback management and the chargeback ratio monitor.
How it works
How chargeback prevention works in four steps
NoChargeback connects to your processor once and then runs in the background. You see what matters and decide where it counts.
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1. Alert
Disputes, inquiries and early fraud warnings appear in your feed within minutes, with the amount, card network, reason code and the date you must answer by. You get an email or a Slack message at the same moment, so nothing waits in a processor inbox for a week.
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2. Evidence
For each dispute, NoChargeback reads what Stripe holds for the charge: the order, customer details, 3D Secure and card check results, shipping and tracking when stored, invoices, subscriptions and earlier undisputed payments. You add delivery proof, activity after the purchase, your refund policy and customer messages on the dispute page. The letter states only those facts, lists what is missing, and you see a win chance before you send anything.
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3. Submit
You review the pack, add any evidence you have, and submit in one click. On Growth and higher plans a pack with enough evidence goes out automatically 48 hours before the due date, so a busy week never costs you a winnable dispute.
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4. Monitor
The ratio monitor counts disputes and fraud reports against sales for every connected account, compares them with Visa VAMP and Mastercard ECM thresholds, and warns you early. Win rates by reason code, product and country show where the next round of prevention rules pays off.
- Draft my evidence
Visa 13.2, $49.00
- Order and invoice
- Login after purchase
- Cancellation terms accepted
- 3D Secure result
- Support emails Missing
The cardholder claims they canceled the subscription. The cardholder signed up and accepted terms stating that the plan renews every month until canceled in the account page.
78%
Submitted
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Alert in your feed
Minutes after the processor opens it
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Evidence pack drafted
Letter and checklist for reason code 13.2
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Submitted automatically
48 hours before the due date, on Growth and higher
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Network decision
Won, lost or under review lands in the feed and your win rate
What happens every week
Disputes do not keep office hours. This is how a normal week looks once your processor is connected.
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Monday
Packs draftedNew disputes and fraud warnings from the weekend are already in the feed, each with a due date and a drafted evidence pack waiting for review.
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Tuesday
Needs responseYou spend a few minutes on the packs that need a human answer, like a support email or a photo of a delivery, and approve the rest.
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Wednesday
SubmittedPacks due within 48 hours are submitted automatically on Growth and higher plans. You get a confirmation for each one.
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Thursday
Refund advisedEarly fraud warnings with a refund recommendation show the math: refund now and lose the order value, or wait and risk the order value, a fee and a point on your ratio.
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Friday
Below warningThe ratio monitor shows where each account stands this month. Prevention rule suggestions point at the products, countries or card ranges behind most disputes.
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Every day
WonOutcomes come back from the networks. Won, lost and pending disputes update your win rate by reason code, so you can see which evidence works.
Ratio monitor and return on cost
For the person who owns the numbers
Chargebacks do not only cost the order value. They add a dispute fee, usually 15 to 100 USD depending on the processor, they eat staff hours, and above a network threshold they put the whole merchant account at risk. The ratio monitor turns that risk into one number per account that you can watch every day.
Ratio per account and per network, updated through the month- Warnings at 70 and 90 percent of the Visa VAMP and Mastercard ECM thresholds
- Recovered revenue this month, by reason code and by product
- Disputes due this week, with the countdown for each one
0.72%
Mastercard ECM 0.31%
Below warning
$2,140
4
64%
A worked example with simple arithmetic
The starting numbers are hypothetical. Change them to see your case.
Take a store with 40 disputes a month at an average of 85 USD. That is 3,400 USD pulled back every month, plus 40 dispute fees. At 15 USD each, that adds 600 USD. Total monthly exposure is 4,000 USD.
The estimate assumes that complete evidence sent on time wins back one in four of those disputes more than today, and that alerts let you refund one in eight fraud warnings before they turn into chargebacks. That skips the fee and keeps the case out of your ratio.
Growth costs 149 USD a month on annual billing. In this example the subscription is covered several times over by the first month of recovered disputes, and the account stays further from the threshold that triggers fines and reserves.
Above the plan limit of disputes a month, so a larger plan fits this case.
| Line | Monthly amount in this example |
|---|---|
| Disputed revenue (40 x 85 USD) | 3,400 USD |
| Dispute fees (40 x 15 USD) | 600 USD |
| Extra disputes won with complete evidence (10 x 85 USD) | 850 USD back |
| Fees avoided by refunding 5 warnings early | 75 USD |
| NoChargeback Growth, annual billing | 149 USD |
| Net saved after the plan | 776 USD |
Flat pricing
A flat price instead of a cut of every win
Many chargeback tools take a share of the money they recover, and many add a fee per alert. The bill grows with every bad week, which is the week you can least afford it. NoChargeback charges one monthly price with clear limits for Stripe disputes. It does not sell network alerts such as Ethoca or Verifi CDRN.
| Topic | Per win vendors | NoChargeback |
|---|---|---|
| Price model | A percentage of recovered chargebacks, often plus a fee per alert | One flat monthly or annual price |
| Cost in a bad month | Rises with every win and every alert | Stays the same within your plan limits |
| Share of money you win back | Often 20 to 25 percent | None, you keep all of it |
| Getting started | Sales call or onboarding project is common | Create an account and connect your Stripe account yourself |
| Evidence and letters | Often a separate service | Included for every dispute in your limit |
| Ratio monitoring | Varies | Included on every plan |
| Contract | Often annual with minimums | Monthly or annual, cancel anytime |
Here is hypothetical arithmetic for a merchant with 20 won disputes a month at 85 USD each. A 25 percent cut of the 1,700 USD recovered is 425 USD a month. On NoChargeback Growth the same month costs 299 USD billed monthly, or 149 USD on annual billing. Network alerts are left out of this comparison, because NoChargeback does not offer them.
Get started
Security
Read and dispute permissions only
NoChargeback is built for finance and risk teams who need to know exactly what a tool can and cannot do with their money.
- We request read access to charges, payments, customers, invoices, subscriptions and fraud warnings, and write access only to dispute evidence.
- We never create charges, refunds, payouts or transfers. The permissions we ask for do not allow it.
- Alert rules only notify you or record a decision, and only if you turn them on for your own account. They are off by default and never refund.
- Processor credentials are encrypted at rest and all traffic uses TLS.
- Disconnect an account and its stored credentials are deleted right away.
- Uploaded dispute notices from the demo are deleted after 24 hours.
Read about security
Full details are on the chargeback software security page.
Use cases
Built for merchants who get disputes every month
Ecommerce
Answer "item not received" disputes with the shipping address, carrier and tracking number your Stripe charges carry, plus the delivery proof you add to the pack.
See ecommerce use caseDigital goods and courses
Answer disputes with the purchase IP, card checks and earlier undisputed payments from Stripe, and act on early fraud warnings before they turn into chargebacks.
See digital goods use caseOperators with many accounts
Run disputes for many merchant accounts from one dashboard, with a ratio per account and alerts before a processor review starts.
See multi account use caseGlossary
Chargeback terms in plain English
- VAMP
- The Visa Acquirer Monitoring Program. Visa measures fraud reports and disputes against your settled sales. A merchant above the excessive merchant level, 1.5 percent in the US since April 2026 with at least 1,500 counted cases in the month, can face fines and closer monitoring. Your acquirer's notice is the final word for your account.
- ECM
- The Mastercard Excessive Chargeback Merchant program. A merchant usually enters it at around 1.5 percent of transactions and 100 chargebacks in a month, with fees growing the longer the account stays in.
- Early fraud warning
- A fraud report from the card issuer that Stripe passes on, often before any dispute. Refunding in time can keep the case from turning into a chargeback.
- Inquiry
- A request for information from the issuer before a formal chargeback. A clear answer with the order details can close it without a chargeback.
RDR, CDRN, Ethoca, CE 3.0, pre arbitration and more in the chargeback glossary
Pricing
One flat price, everything included up to your limits
Annual billing is the default and saves 50 percent. No fee per alert, no share of the money you win back.
Starter
$24
$24 per month, $288 per year
$49 per month
1 account, 15 disputes, 100 alerts
Growth
$149
$149 per month, $1,788 per year
$299 per month
5 accounts, 100 disputes, 1,000 alerts, automatic submission
Scale
$399
$399 per month, $4,788 per year
$799 per month
20 accounts, 400 disputes, 5,000 alerts, automatic submission
Enterprise
$999
$999 per month, $11,988 per year
$1,999 per month
100 accounts, 1,500 disputes, 20,000 alerts, 50 seats
Limits count what you use in each billing period. Alerts never stop arriving, even at your limit.
See pricingQuestions and answers
Questions merchants ask before they connect
Will NoChargeback touch my money or refund customers on its own?
No. NoChargeback reads payment data and submits dispute evidence, and the permissions it asks for do not allow it to create charges, refunds or payouts. Alert rules only notify you or record a decision, they are off by default, and refunds always happen in your Stripe dashboard.
Do I need to change my checkout or write code?
No. You connect Stripe with a restricted API key in about a minute. Your checkout, your Stripe account and your payouts stay exactly as they are. NoChargeback works with Stripe only.
What does it cost per alert or per won dispute?
Nothing extra. You pay one monthly or annual price, and alerts, evidence packs and letters within your plan limits are included. We never take a share of the money you win back.
Does it really win disputes?
It gives every dispute the strongest pack the reason code allows and sends it on time, but no one can promise an outcome because the card issuer decides. Before you submit, you see a win chance and a list of missing evidence, so you know where a pack is weak and what would help.
What happens if I reach my monthly limit?
Alerts keep coming into your feed and nothing is dropped. New evidence packs pause until your next billing period or until you upgrade, and the app shows a heads up at 80 percent of each limit so it rarely comes to that.
Which card networks and processors are covered?
Reason codes from Visa, Mastercard, American Express and Discover are covered. The processor is Stripe, and no other processor can be connected. Alerts are the early fraud warnings, inquiries and disputes Stripe passes on; NoChargeback does not offer Ethoca, Verifi CDRN or Visa RDR alerts.
How fast do I see a new dispute?
Within minutes. NoChargeback listens for dispute and fraud warning events from your processor and checks again every few minutes as a backup, then alerts you by email or Slack.
Can I try it before I pay?
Yes, with the demo at the top of this page. Pick a reason code or upload a dispute notice and you get a win chance, an evidence checklist and the start of a letter, and after you create an account the full letter for that one dispute. Connecting your processor and sending evidence need a plan.
Can I cancel anytime?
Yes. You cancel in the billing page in a few clicks, and your plan stays active until the end of the period you paid for.
Is my customer data safe?
Yes. Credentials are encrypted, data travels over TLS, we only store what a dispute pack needs, and disconnecting an account deletes its stored credentials right away. The security page lists every permission we ask for.
Answer your next chargeback with the evidence that wins it
Pick the reason code from your latest dispute and get a drafted letter and a win chance in under a minute.
Read and dispute permissions only. We never move your money.
Cancelled recurring transaction
78%
- Amount
- $49.00
- Network
- Visa
- Evidence
- 4 of 5