Chargeflow vs. Chargebacks911: Which Chargeback Solution for Your Business

With chargeback volumes soaring globally, how can eCommerce merchants stay ahead in safeguarding their revenue?

Managing chargebacks effectively is a top priority for eCommerce merchants looking to protect revenue and streamline operations. In 2023, businesses faced an estimated 238 million chargebacks globally, a number that is expected to grow sharply. By 2026, the global chargeback volume will reach approximately 337 million – a 42% increase. Additionally, the total chargeback cost worldwide hit a staggering $117.46 billion in 2023, putting immense pressure on businesses to find effective solutions. 

Staying ahead of these rising challenges demands the right chargeback management platform capable of tackling these complexities. Two widely known solutions are Chargeflow and Chargebacks911, each with unique capabilities. If you missed our post comparing Chargeflow and Chargeblast, check it out here. This post dives into a detailed comparison of their features, strengths, and weaknesses to help you make the best choice for your business. 

Overview of the Platforms

What is Chargeflow?

Chargeflow is a fully automated chargeback automation platform designed to help eCommerce merchants. Built by merchants, for merchants, Chargeflow serves over 15,000 eCommerce brands, SaaS providers, and enterprise companies across 90 countries, Chargeflow combines advanced AI technology and a global network of merchants to automate chargeback prevention and recovery, empowering businesses to focus on growth and revenue optimization. 

What is Chargebacks911?

Chargebacks911 is an end-to-end chargeback management solution designed to prevent and help dispute chargebacks. Known for its proprietary technology, such as the Intelligence Source Detection tool, Chargebacks911 helps merchants pinpoint the root cause of chargebacks, including friendly fraud and true fraud. Additionally, they maintain a strong presence through their F1911 subsidiary, serving large enterprises and global markets.

Key Feature Comparison: Chargeflow vs. Chargebacks911

Analyzing the Strengths and Weaknesses

Chargebacks911 Strengths

• Proprietary Tools for Chargeback Source Analysis: Known for tools like the Intelligent Source Detection tool, which identifies the root causes of chargebacks and provides actionable insights. 
• End-to-End Chargeback Management: Combines chargeback prevention and dispute resolution, offering features like alerts, diagnostic reporting, and case management. 
• Scalability for Enterprises: Handles billions of transactions annually, making it suitable for large enterprises and financial institutions.
• Established Global Presence: Operates in the UK and the US, partnering with financial institutions through FI911.

Chargebacks911 Weaknesses

• Manual Processes: Heavy reliance on manual workflows increases operational efforts and costs for merchants. 
• Pricing is Not Transparent: They operate on rigid pricing structures requiring merchants to commit to a two-year contract with monthly fees starting at $1,000. The pricing is not success-based like Chargeflow, meaning merchants have to pay regardless of the outcome.
• Focus on Management, Not Prevention: Lacks a proactive prevention approach compared to Chargeflow’s seamless prevention and recovery tools.
• Rigid Systems: Proprietary tools can be challenging to adapt for smaller merchants or businesses with unique needs. 
• Credibility Concerns: Legal challenges, including an FTC settlement and a class-action lawsuit under the RICO Act, have raised concerns about their deceptive practices and trustworthiness. 

What do merchants say?

Here’s what a customer wrote about Chargebacks911 on G2.

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What do you dislike about Chargebacks911?

“The platform/dashboard is too rigid and not flexible enough to facilitate our own system/BI. Amendments and new contracts also take a long time, which is frustrating. Reports have to be manually requested instead of scheduled. We also need to manually request credits from CB911 instead of being issued them automatically, which we find slightly questionable.”

Here we can see how merchants are frustrated with Chargebacks911's rigid systems and lack of proactive support. 

Addressing Common Merchant Questions and Concerns

Here are some common concerns merchants face when comparing Chargeflow and Chargebacks911 and how you can address these concerns.

“Chargebacks911 has a long-standing reputation.”

Rebuttal: True, they’ve been around longer but Chargebacks911’s long-standing presence is overshadowed by their recent FTC lawsuit which raises concerns about their trust and credibility. On the other hand, Chargeflow, which was built by eCommerce merchants – promises to offer a transparent, results-oriented approach. 

“What if I only need alerts, not full chargeback management?”

Rebuttal: No problem! Chargeflow provides both alerts and full recovery automation, minimizing revenue recovery, something basic alerts alone can’t achieve. 

“Is Chargeflow scalable for my growing business?”

Rebuttal: Yes! Chargeflow is built to handle fluctuating volumes with seamless integration and automation, unlike Chargebacks911’s rigid proprietary systems.

“How can I trust Chargeflow to deliver results?”

Rebuttal: Chargeflow offers success-based pricing. That means you ONLY pay for successful recoveries or prevented disputes. With an 85% industry-leading win rate, Chargeflow consistently delivers measurable ROI. 

How Chargeflow Wins 

1. Automation and Efficiency

Chargeflow’s plug-and-play approach streamlines chargeback recovery, eliminating the need for manual and chaotic processes. Powered by AI, Chargeflow automates the entire chargeback lifecycle – from data collection to evidence submission. In contrast, Chargebacks911’s reliance on manual processes adds unnecessary complexity and costs.

2. Transparent and ROI-Guaranteed Pricing

Chargeflow offers a transparent and flexible pricing model with no contracts or monthly minimums. This stands in stark contrast to Chargebacks911’s high upfront costs, rigid two-year contracts, and monthly fees that start at $1,000 per feature. Chargeflow’s success-based pricing model ensures merchants only pay 25% per recovered chargeback, with zero setup fees, monthly minimums, or hidden costs, providing guaranteed ROI.

3. Tailored for eCommerce Merchants

Chargeflow was designed specifically for eCommerce merchants and insiders who understand the challenges of online businesses. Our platform integrates with over 100 platforms and payment processors like Shopify and Stripe.  Chargebacks911’s border focus on financial institutions limits its adaptability for smaller merchants.

4. AI-Powered Insights and Customization

Chargeflow’s AI tools analyze real-time data to optimize strategies, prevent future losses, and ensure merchants stay ahead of fraud patterns.

5. Trust and Credibility

Chargeflow’s transparent, ethical practices and merchant-first approach have earned the trust of over 15,000 businesses worldwide. A stark contrast to Chargebacks911’s credibility being called into question due to their legal issues.

6. Exceptional Customer Reviews 

Don’t just take our word for it, Chargeflow boasts more than 222 5-star reviews on Shopify, reflecting our user-friendly platform, reliable results, and excellent customer support. Merchants consistently praise our seamless onboarding process and the tangible ROI we deliver. In contrast, Chargebacks911 has only  11 reviews on G2 and no presence on Shopify, highlighting a less targeted approach to eCommerce merchants, making it less aligned with their specific needs.   

Why Chargeflow Is the Clear Choice Over Chargebacks911

Protecting your revenue and scaling efficiently in today’s eCommerce landscape boils down to choosing the right chargeback management platform. While Chargebacks911 offers comprehensive services, its reliance on manual processes, high costs, and recent legal challenges call its reliability into question.

Chargeflow, on the other hand, delivers a modern, merchant-focused solution equipped with full automation, success-based pricing, and AI-powered insights. Chargeflow empowers businesses to tackle chargebacks with efficiency and transparency. 

Who better to trust your business with than those who’ve faced the same challenges and built the ultimate solution? Schedule your demo today and experience the Chargeflow difference!