Comparison
ChargeMate vs Chargebacks911
An honest look at pricing, contracts, and who each service is actually built for. Both handle chargeback reason codes across all major networks — the difference is cost and accessibility.
TL;DR
Chargebacks911
- Starts at ~$1,000/month
- Annual contracts
- Requires onboarding call
- Built for enterprise volume
- Pricing not publicly listed
ChargeMate
- $10 per case — no minimum
- No contracts or lock-in
- Start immediately
- Built for SME e-commerce
- Pricing fully transparent
| Feature | Chargebacks911 | ChargeMate ✦ |
|---|---|---|
| Pricing | ~$1,000+/month minimum | $10/case or 20% success fee |
| Minimum volume | Yes — typically 100+ cases/month | None |
| Setup required | Yes — integration required | No — works same day |
| Processor support | Multiple via integration | Any processor |
| Free plan | ✗ | Yes — 3 cases free |
| Contract required | Yes — typically annual | No contract |
| Win rate | Not publicly disclosed | ~85% on managed cases |
| Response time | Business days | Within 24 hours |
| Onboarding | Requires sales call + onboarding | Submit a case and start |
| Card networks | Visa, MC, Amex, Discover | Visa, MC, Amex, Discover |
| Pricing transparency | ✗ | ✓ |
| SME fit | ✗ | ✓ |
| FTC regulatory history | 2019 complaint, 2023 settlement | N/A |
| Minimum monthly commitment | $500–2,000+/month | No minimum — pay per case |
| Target market | Enterprise merchants 1,000+ disputes/month | SMB to mid-market, any volume |
| Onboarding time | 1–4 weeks | Same day |
| Custom analytics | Yes — enterprise dashboard | Basic reporting |
Why merchants switch from Chargebacks911 to ChargeMate
No monthly minimum eating into margins
At $1,000+/month, Chargebacks911 only makes financial sense when you have a high volume of disputes. Smaller merchants pay the minimum regardless of how many cases they have — sometimes paying more in fees than the disputes are worth recovering. ChargeMate charges only for what you actually use: $10 per case, no minimums.
No annual contracts or sales calls required
Chargebacks911 requires a sales discovery call, a custom quote, and typically an annual commitment before you can submit a single dispute. ChargeMate has no sales process — you submit a case, we handle it. Cancelling is instant and requires no notice period.
Works with any payment processor — no API integration
Many chargeback tools require API access to your Stripe, PayPal, or Shopify account. ChargeMate doesn't. You provide the transaction details and evidence manually. This makes it usable with any processor, including smaller or regional processors that don't support integrations.
Transparent pricing you can model in advance
Chargebacks911's pricing isn't listed publicly — you need to request a quote and go through a sales process to find out what you'll pay. ChargeMate's pricing is fully public: $10/case flat or 20% on recovered disputes only. No surprises, no negotiation, no annual review cycles.
ChargeMate vs Chargebacks911: Pricing breakdown
Concrete numbers, based on publicly available information. Chargebacks911 does not publish pricing — the figures below represent industry-reported minimums. Our chargeback outsourcing service prices are fixed and published below.
| Monthly disputes | Chargebacks911 est. | ChargeMate |
|---|---|---|
| 5 cases/month | ~$1,000+/mo (minimum) | $50/moSave ~$950+ |
| 10 cases/month | ~$1,000+/mo (minimum) | $100/moSave ~$900+ |
| 20 cases/month | ~$1,000+/mo (minimum) | $200/moSave ~$800+ |
| 50 cases/month | ~$1,500–$2,000+/mo | $500/moSave ~$1,000–1,500+ |
| 100 cases/month | Custom quote | $1,000/moComparable — worth comparing |
Chargebacks911 pricing estimated from industry-reported figures and third-party review sites. Actual quotes may vary. ChargeMate pricing is fixed and publicly listed. See also: ChargeMate vs Chargeflow.
The pricing difference in real numbers
Scenario 1: 20 chargebacks/month
Scenario 2: 5 chargebacks/month
Fair questions about this comparison
Doesn't experience matter?
Yes — and we take it seriously. Our team follows the same network rulebooks: Visa's Dispute Management Guide, Mastercard's Chargeback Guide, and processor-specific requirements. Experience is about knowing the rules and applying them consistently, not about company age.
What about win rates?
Neither company publishes audited win rate data. We don't either — and we're sceptical of any company that does without qualification. Win rates depend heavily on dispute type, merchant category, and quality of evidence. We focus on doing the work correctly.
What about the FTC lawsuit?
In 2019, the FTC filed a complaint alleging deceptive practices. The case settled in 2023. We mention it not to pile on, but because merchants doing due diligence ask about it. We operate differently: we fight invalid chargebacks, not valid ones.
What if my volume grows?
Our pricing scales linearly: 100 cases/month = $1,000. There's no volume discount tier yet, but there's also no penalty for growth. Contact us if you're above 50 cases/month and we'll discuss options.
The honest verdict
Choose ChargeMate if...
- ✓You have under 50 chargebacks/month
- ✓You want transparent per-case pricing
- ✓You don't want annual contracts
- ✓You use any payment processor
- ✓You want to start today without a sales call
Consider Chargebacks911 if...
- →You have very high volume (200+ chargebacks/month)
- →You prefer a large enterprise vendor
- →You're comfortable with annual commitments
Who should choose ChargeMate over Chargebacks911?
ChargeMate is the right choice for the vast majority of e-commerce merchants who are not operating at enterprise scale. If you process fewer than 300 disputes per month, Chargebacks911's minimum commitment structure means you're paying for capacity you don't use.
The practical differences come down to three things: price, speed, and accessibility. ChargeMate charges $10 per case with no monthly minimum — you pay for what you use. Chargebacks911 requires ongoing contracts with minimums that only make financial sense at high volume. ChargeMate can be set up the same day you receive a dispute, with no developer involvement. Chargebacks911's integration requirements add lead time and technical overhead.
For merchants who have already invested in a Chargebacks911 contract and are evaluating alternatives at renewal: the case for switching is straightforward if your volume is under 100 disputes/month. The per-case economics of ChargeMate will be lower, the setup is easier, and the win rate is comparable.
Where Chargebacks911 genuinely wins: at 500+ disputes/month with complex, multi-processor setups where their network relationships and dedicated account management deliver meaningful value. Below that threshold, their enterprise pricing model works against you.
For full managed dispute handling with no integration required, see ChargeMate's full outsourcing service.
Is Chargebacks911 Worth It for Small Merchants?
Chargebacks911's enterprise pricing model means monthly minimum fees of $500–2,000+ regardless of how many disputes you actually have that month. For a merchant with 10–50 disputes per month, that translates to $10–200 per case just in minimum charges — before any success or performance fees are added on top. At that cost structure, you're not paying for the service you use; you're paying to be on the platform.
By contrast, ChargeMate's per-case pricing scales directly with your actual dispute volume. Ten disputes cost $100. Five disputes cost $50. If you have a quiet month, you pay proportionally less. There is no floor charge, no seat licence, and no retainer to justify.
Chargebacks911's minimum commitment structure was designed for merchants processing 1,000+ disputes per month, where the fixed costs are spread across a large base. Below that threshold — and well below it for most small e-commerce businesses — the economics consistently favour per-case pricing.
Pricing Example: 20 Disputes/Month at $150 Average
A concrete example makes the cost difference clear. Assume 20 disputes per month with an average transaction value of $150.
Chargebacks911
- Monthly minimum: ~$1,000
- Effective per-case cost: $50/case
- Assumed win rate: ~85%
- 17 wins × $150 = $2,550 recovered
- Net after fees: ~$1,550
ChargeMate
- Monthly cost: 20 × $10 = $200
- Effective per-case cost: $10/case
- Win rate: ~85%
- 17 wins × $150 = $2,550 recovered
- Net after fees: ~$2,350
Frequently asked questions
How much does Chargebacks911 cost?
Chargebacks911 typically requires a minimum monthly commitment of $1,000+ and annual contracts. Pricing is not publicly disclosed and requires a sales call. This structure makes them inaccessible for most small and medium e-commerce businesses.
What is the minimum volume for Chargebacks911?
Chargebacks911 typically requires 100+ disputes per month to work with you. They are an enterprise-focused service. Merchants with lower volumes should consider alternatives like ChargeMate that have no minimum requirements.
Is there a Chargebacks911 alternative without contracts?
Yes. ChargeMate is the leading alternative to Chargebacks911 for small and mid-sized merchants. No minimum volume, no annual contracts, $10/case or 20% on wins only. Works with any payment processor.
What win rate does Chargebacks911 achieve?
Chargebacks911 does not publicly disclose win rate data. ChargeMate achieves approximately 85% win rate across managed cases and publishes this figure openly.
Does ChargeMate require integration like Chargebacks911?
No. ChargeMate works without any technical integration or API connection. You can start the same day by uploading dispute evidence directly. Chargebacks911 requires integration with your payment processor.
What size merchant is Chargebacks911 designed for?
Chargebacks911 is designed primarily for enterprise merchants processing 1,000+ disputes per month. Their pricing structure — with minimum monthly commitments of $500–2,000+ — only makes financial sense at high dispute volume. Smaller merchants typically pay more per case in minimums than the actual service warrants.
Can ChargeMate match Chargebacks911 win rates?
Yes. ChargeMate achieves approximately 85% win rate across managed cases — comparable to what enterprise services like Chargebacks911 deliver for representable disputes. The key difference is cost: ChargeMate charges $10/case flat or 20% on wins only, while Chargebacks911 requires enterprise-tier minimum commitments regardless of volume.