ChargeMate vs NoFraud: Complementary Tools for eCommerce Merchants [2026]
NoFraud screens your orders for fraud before they ship and provides a chargeback guarantee on approved orders — but only for fraud-type chargebacks. Item not received, friendly fraud, “not as described,” and subscription disputes still arrive anyway, and NoFraud's guarantee does not cover them. ChargeMate handles those. This guide explains how the two tools fit together and when you need each one.
NoFraud is best for…
eCommerce merchants, especially Shopify stores, who want pre-transaction fraud screening and a guarantee that covers fraud chargebacks on approved orders. More accessible than enterprise tools like Signifyd or Riskified.
ChargeMate is best for…
Merchants who need to fight chargebacks that are already arriving — especially the categories outside NoFraud's guarantee: friendly fraud, INR, subscription disputes, and any processor beyond Shopify. Flat $10/case, no integration, same-day setup.
Try ChargeMate free — 3 cases included
No integration. No contract. Works with any processor.
Side-by-side comparison
ChargeMate vs NoFraud
| ChargeMateThis page | NoFraud | |
|---|---|---|
| Primary purposeWhat the product does | Chargeback dispute managementFight disputes after they're filed | Order fraud screeningApprove / decline pre-fulfillment |
| Chargeback guaranteeWho covers the loss | ✗No guarantee — wins the caseYou keep revenue when you win | ✓Covers fraud chargebacks on approved orders |
| Dispute responseBuilds rebuttal letters | ✓Yes — human expert, every case | ✗Not a dispute response service |
| Pricing modelWhat you actually pay | $10 / case flator 20% on wins — your choice | From $19/monthScales with volume; pay-per-transaction option |
| Friendly fraud coverageINR, not as described | ✓Yes — all dispute types | ✗Guarantee excludes non-fraud types |
| Processor supportWhich gateways work | ✓Any processorStripe, PayPal, Square, Adyen… | –Shopify app; broad but not universal |
| Contract required | ✓No contract, cancel anytime | –Monthly subscription; varies by plan |
| Ready to start? | Try free — 3 cases included | From $19/month for screening |
About NoFraud
NoFraud is an eCommerce fraud prevention service that combines algorithmic scoring with manual review to approve or decline orders before they are fulfilled. Unlike pure ML tools, NoFraud analysts review flagged orders, which reduces false positive declines that can hurt legitimate revenue. NoFraud has a Shopify app, making it easy to install for Shopify merchants.
NoFraud's headline feature is its chargeback guarantee: if they approve an order and that order results in a fraud chargeback, NoFraud reimburses the merchant for the loss. This is a genuine benefit — it means NoFraud has skin in the game on every approval decision they make, which aligns their incentive with accurate fraud detection rather than aggressive approval rates.
Pricing starts at $19/month for small merchants, with pay-per-transaction pricing available for lower-volume businesses. This makes NoFraud more accessible than enterprise alternatives like Signifyd, Kount, or Riskified, which typically require significant monthly minimums.
The critical limitation to understand is the scope of NoFraud's guarantee. It covers fraud chargebacks on orders they approved. It does not cover “item not received” disputes, “not as described” claims, subscription billing disputes, or friendly fraud (where a legitimate customer disputes a real charge). These categories collectively represent a large share of the chargebacks most merchants face.
About ChargeMate
ChargeMate is a chargeback dispute management service. When a dispute arrives — regardless of type or processor — ChargeMate's specialists review the evidence, build a network-compliant rebuttal, and submit the response. No API integration is required; merchants upload their evidence directly. Pricing is $10 per case flat, or 20% on wins. A free plan covers 3 cases per month.
ChargeMate works with any payment processor: Stripe, PayPal, Square, Adyen, Braintree, Shopify Payments, or any other gateway. Same-day setup. No contract. With a ~85% win rate, ChargeMate applies human judgment to every case and builds the specific evidence packet each card network requires for each reason code.
Unlike a guarantee model where the service pays out on losses, ChargeMate fights to recover the disputed revenue. Winning a chargeback means the merchant keeps both the revenue and avoids the chargeback fee — a better outcome than a guarantee reimbursement, which still counts against the merchant's chargeback ratio.
The Guarantee Gap: What NoFraud Doesn't Cover
NoFraud's guarantee covers fraud-type chargebacks on orders they approved. That is a specific and valuable category. But chargebacks arrive under many reason codes, and fraud is only one of them. Here are the categories NoFraud's guarantee does not cover — and that ChargeMate regularly handles:
Chargeback types outside NoFraud's guarantee
Item Not Received (INR)
Customer claims they never received the order — even if it was delivered. Requires delivery proof, tracking, and carrier confirmation.
Not As Described
Customer disputes that the product differed from the listing. Requires product descriptions, photos, and communications as evidence.
Subscription / Recurring Billing
Customer disputes a renewal or recurring charge. Requires terms of service, consent records, and cancellation policy evidence.
Friendly Fraud
Legitimate customer disputes a real, delivered order. Requires IP logs, purchase history, device fingerprints, and delivery confirmation.
Declined Order
NoFraud declined the order — no guarantee applies. Merchant may still face related disputes on partial fulfillments.
Each of these requires a different evidence strategy and knowledge of card network rules for the specific reason code. ChargeMate specialists build the appropriate rebuttal for each type and submit it within deadlines.
Importantly, even when NoFraud's guarantee reimburses a fraud chargeback, the dispute still counts against the merchant's chargeback ratio with their processor. High chargeback ratios lead to increased fees, processor warnings, and potentially account termination. Winning the representment — rather than accepting reimbursement — removes the chargeback from the ratio entirely. This is another reason merchants choose to fight rather than absorb losses, even on guaranteed cases.
How NoFraud and ChargeMate Work Together
The most complete chargeback strategy for most eCommerce merchants looks like this:
Order comes in → NoFraud screens it
NoFraud approves legitimate orders and declines clear fraud. Approved orders are covered by their guarantee if they result in fraud chargebacks.
Order fulfilled and delivered
Merchant ships product. NoFraud's job is complete at this point.
Chargeback arrives → ChargeMate handles it
For fraud chargebacks on NoFraud-approved orders: merchant can claim NoFraud's guarantee or use ChargeMate to fight and preserve the chargeback ratio. For all other dispute types (INR, friendly fraud, etc.): ChargeMate builds the rebuttal and fights to win.
Used together, NoFraud and ChargeMate cover the full dispute lifecycle: fewer fraudulent orders making it to fulfillment, and expert responses for every chargeback that arrives anyway.
What merchants say
“NoFraud handles our fraud screening and ChargeMate handles the disputes. There's a ton of chargebacks outside the guarantee — INR, subscription disputes — and ChargeMate wins those.”
“I thought NoFraud covered everything. It doesn't. ChargeMate fixed our friendly fraud problem within the first week, no setup required.”
Who Should Choose Which Service?
Choose NoFraud if…
- →Your primary problem is fraudulent orders at checkout
- →You want a chargeback guarantee on approved fraud-type disputes
- →You run a Shopify store and want an App Store integration
- →You want human + algorithmic fraud review before fulfillment
- →SMB-accessible pricing starting at $19/month
- →Reducing false declines on legitimate orders is a priority
Choose ChargeMate if…
- ✓Chargebacks outside NoFraud's guarantee are arriving
- ✓INR, friendly fraud, or subscription disputes are the issue
- ✓You want to fight disputes (not just absorb guaranteed losses)
- ✓$10/case flat — any processor, same-day setup
- ✓Human expert review on every single case
- ✓Free plan to start — 3 cases included
Not sure which fits your situation? Our free consultation takes 15 minutes and gives you a clear recommendation based on your dispute mix.
Frequently Asked Questions
Does NoFraud's chargeback guarantee cover all dispute types?▾
How does NoFraud pricing compare to ChargeMate?▾
If NoFraud approves an order that becomes a chargeback, does NoFraud fight the dispute?▾
Does ChargeMate work with Shopify?▾
Should I use NoFraud and ChargeMate together?▾
Want experts to handle your disputes?
ChargeMate's team reviews and submits every dispute response for you. $10 per case or 20% on wins. Any processor. No integration required.
ChargeMate
Any processor. $10/case flat. Human review.
Start for free — 3 cases included. No integration. No contract. Same-day setup.
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