Signifyd pricing and what the other fraud guarantee platforms charge
Signifyd publishes its pricing model and withholds the price. Its pricing page says it charges "a percentage of the order total when an order is approved", that the percentage varies by the products purchased, merchant vertical, order volume and average ticket price, and that "there is no charge when an order is declined due to fraud" (signifyd.com/pricing, checked July 23, 2026). No rate, no tiers, no minimum.
That is still more disclosure than Riskified, Forter or Kount offer. Exactly one company in this category publishes real numbers, and it is not one of those four.
What a fraud guarantee actually buys
These are not representment vendors, and comparing them to one produces a number that means nothing.
A guarantee platform does two jobs, sold as one product.
It decides. Every order is scored before you fulfil and comes back approved or declined. This part genuinely reduces the disputes filed against you, because an order you never shipped cannot be charged back.
It indemnifies. On the orders it approved, the vendor takes financial liability. A qualifying chargeback lands and the vendor reimburses you rather than you eating the loss.
The second half is the part merchants misread. Reimbursement is not deflection, and it is not chargeback representment. The cardholder still called their bank, the chargeback was still filed, and it still produced a TC40 fraud record or a TC15 dispute record. Both are what Visa counts in the VAMP numerator.
A guarantee is protection against loss, not against a monitoring program. If your acquirer has written to you about your ratio, the decline half of this product helps and the guarantee half does not.
What each vendor publishes about pricing
Every figure below came from the vendor's own live page on July 23, 2026. Where a vendor publishes nothing, the cell says so, because the numbers floating around review directories are not vendor-sourced.
| Vendor | Pricing unit as published | Rate published | What the guarantee covers |
|---|---|---|---|
| Signifyd | Percentage of order total on approved orders; nothing charged on a fraud decline | No | Fraud, plus non-fraud codes on higher tiers, on orders it approved |
| Riskified | "Pay only for approved orders that generate revenue" | No | Chargebacks on orders it approved |
| Forter | Not published | No | Not published |
| Kount (Equifax) | Not published | No | Not published |
| Wyllo (formerly NoFraud) | Percentage of revenue with a monthly floor | Yes, on its Shopify listing | "Guarantee on Fraud Chargebacks we Passed" |
| Justt | "You only pay when we win" | No | Not a guarantee product |
Riskified puts no rate anywhere on the site. Its pricing route is a contact form, and its Shopify App Store listing reads "Free to install", with external charges billed separately. Forter publishes less: its pricing URL is a lead form with no pricing statement at all.
Kount is now inside Equifax, and the consolidation is visible in the DNS. kount.com returns a 301 to Equifax's identity and fraud business page, and midigator.com returns a 301 to kount.com. Treat "Kount pricing" and "Midigator pricing" as the same conversation with one Equifax sales team. Neither name has a rate card.
Justt belongs in a different article. "You only pay when we win" is contingency representment, not a liability shift on approved orders. If it turned up next to Signifyd on your shortlist, the shortlist has two categories mixed into it.
The only published rate card, and its ceiling
NoFraud rebranded to Wyllo in March 2026, after acquiring the post-purchase risk platform Yofi. If you searched "NoFraud pricing" and landed on a calculator, that is why: nofraud.com now redirects to wyllo.ai, whose pricing page is a quote calculator with no figures on it.
Its Shopify App Store listing is a different matter, because Shopify requires charges to be disclosed there. Checked July 23, 2026, it publishes four tiers:
- Screening Only, free. The first screened order starts a 14-day trial, then up to 100 orders free per month.
- With $500 Guarantee, $250 per month. Listed as 1% of revenue, minimum $250 per month.
- With $1000 Guarantee, $350 per month. Listed as 1.25% of revenue, minimum $350 per month.
- With $2000 Guarantee, $450 per month. Listed as 1.50% of revenue, minimum $450 per month.
The listing states these apply to merchants under $50,000 per month in revenue, and directs anyone above that to custom pricing.
Two things fall out of that arithmetic. A $250 floor against a 1% rate means the minimum is what you actually pay until you are doing $25,000 a month, so the smallest stores are buying a subscription rather than a percentage. And the card stops at $600,000 of annual revenue. Above that, in this entire category, nobody publishes anything.
How to price a quote you cannot benchmark
You will get one number and no way to check it. These are the questions that make it comparable.
What is the percentage applied to? Approved order value, total order value and screened order value are three different denominators, so the same headline percentage means three different bills. Ask for the base in writing.
Which reason codes are covered? Signifyd's Complete Chargeback Protection page lists a wide set including credit not processed, item not received, subscription canceled and unrecognised transactions, alongside card-not-present fraud. Its item-not-received coverage is an extension of the base guarantee with its own eligibility rules, and it applies only to orders Signifyd approved for guarantee in the first place. Get the covered list attached to the contract, not to the marketing page.
What is left over? The guarantee covers what the vendor approved. Descriptor confusion, delivery complaints and forgotten subscriptions are still yours to handle, and preventing the disputes that never needed to happen is a separate exercise from buying an indemnity.
What happens to a declined order? Signifyd charges nothing on a fraud decline. That sounds generous until you price the good orders you lose. Ask for the decline rate the quote assumes and what happens commercially if it runs higher.
What is the claims process? A guarantee is only worth its claim mechanics: the filing window, the evidence you supply, and the exclusions. A reimbursement you have 10 days to claim on evidence you do not collect is a different product from one that pays automatically.
When a Shopify store is too small for this category
This is an enterprise product sold to enterprise volumes, and a published rate card stopping at $600,000 a year tells you where the self-serve tier ends.
Run the arithmetic before you take the meeting. A store at $10M of annual GMV, paying a percentage of approved order value, pays it on every order that was never going to be disputed, which is nearly all of them. Set that against your actual fraud loss: the disputed dollars you lost last year, plus the fees at $15 to $25 a dispute, plus the operator hours. If the fraud loss is a rounding error, you are buying insurance priced above the risk.
There is also a free floor to exhaust first. What Shopify chargeback protection covers and where it stops handles a slice of fraudulent and unrecognized chargebacks on eligible orders at no cost, and free representment recovers on the ones that land, with no success fee taken out of what comes back. Neither is a liability shift, and both cost nothing.
The buying signal for this category is a real third-party fraud problem: card testing, reshipping mules, a bot-driven spike. Not a dispute count that is mostly your own customers filing against you.
The honest part
I work at Redo, and Redo sells chargeback products. We do not sell a fraud guarantee, so read this as a comparison written by someone with no rate to defend in that table.
The genuine case for a guarantee is that it converts a variable, ugly loss into a fixed percentage you can forecast, and hands the false-decline problem to someone whose incentives are aligned with approving orders. For a merchant with real third-party fraud exposure, that is worth paying for.
What I will not do is guess at the price. Four of the six vendors here publish nothing, and every "starting at" figure you find for them on a review directory is a profile field or a competitor's estimate, not a quote. Better to tell you the number is unavailable than hand you a plausible one to plan against.
Frequently asked questions
How much does Signifyd cost?
Signifyd does not publish a rate. Its pricing page states the model only: it charges a percentage of the order total when an order is approved, the percentage varies by the products purchased, merchant vertical, order volume and average ticket price, and there is no charge when an order is declined due to fraud (checked July 23, 2026). Its Shopify App Store listing says free to install with charges applying after a 14-day trial, and external charges billed separately. Any specific percentage you find elsewhere is not from Signifyd.
Do Riskified, Forter or Kount publish pricing?
No. Riskified describes its model as pay only for approved orders that generate revenue and puts no rate on the site; its pricing route is a contact form. Forter's pricing page is a lead form with no pricing statement. Kount is now part of Equifax, and kount.com redirects to Equifax's identity and fraud page with no rate card. Midigator, which Equifax acquired, redirects to kount.com, so Kount and Midigator are one buying path rather than two. All checked July 23, 2026.
Does a fraud guarantee lower my dispute ratio?
Only the screening half does. Declining a fraudulent order stops a dispute being filed, which does reduce the count. The guarantee itself only reimburses you after a chargeback has already been filed, and a filed chargeback counts toward your Visa VAMP ratio whether or not someone else pays for it. If your acquirer has written to you about a ratio, buy on the decline performance, not on the indemnity.
Does NoFraud publish pricing?
NoFraud rebranded to Wyllo in March 2026 and its own pricing page is now a quote calculator. Its Shopify App Store listing does publish tiers: a free screening-only plan covering up to 100 orders a month after a 14-day trial, then $250 a month at 1% of revenue, $350 at 1.25%, and $450 at 1.50%, each with that dollar figure as the monthly minimum, for merchants under $50,000 a month in revenue (checked July 23, 2026). It is the only published rate card in this category.
Pull your last twelve months of disputes and split them by reason code. Total the dollars lost on genuine third-party fraud, where the cardholder really did not make the purchase, and divide that by your GMV for the same period. That percentage is the honest ceiling on what a guarantee is worth to you. If a quote comes back above it, the vendor is pricing your revenue rather than your risk.