The chargeback software that is actually free in 2026
I filtered a software directory for free chargeback management and got back a list of several dozen products. I opened the first ten. Not one of them was free in the way a merchant means the word.
Disclosure before I go any further. Redo publishes this blog, and Redo sells a chargebacks product that competes with several of the companies named below. Every price here comes from the vendor's own live pricing page, with the date I checked it, so you can go verify me.
Four different things get called free
A free trial. Time-boxed, then a bill. Disputifier's Shopify App Store listing advertises a "7 Day Risk-Free Trial" on a plan labelled free to install (checked July 20, 2026).
A free tier of something adjacent. Chargeflow's Insights product is listed as "Free Forever" with "No credit card needed" on their pricing page (checked July 20, 2026). Insights is analytics. The representment engine sits on a different line of the same page and is not free.
Free to install. This is a Shopify App Store pricing label, not a statement about total cost. It means no fixed monthly charge. The money moves later, as a percentage of what gets recovered.
Actually free. No install charge, no monthly minimum, no success fee, no per-unit charge. The merchant keeps everything that comes back.
Directories flatten all four into one filter. That is why a "free chargeback software" list is close to useless for a buying decision.
Free to install is where the money is
Contingency pricing is the dominant model in this category, and it is worth seeing the actual units.
Chargeflow publishes three of them on chargeflow.io/pricing (checked July 20, 2026): 25% per recovered chargeback for Automation, $29 per deflected chargeback for Alerts, and $0.20 per scanned transaction for Prevent with the first 1,000 scanned transactions free. Their Shopify listing restates the same figures. Above 50 alerts a month, the page directs you to a demo for a different price. I broke those units down further in what Chargeflow costs after you win.
Disputifier publishes 20% of recovered revenue on disputifier.com/pricing (checked July 20, 2026), capped at $250 per won chargeback. Fraud prevention and order-not-received prevention are each $0.05 per order. Chargeback alerts are listed as "Custom volume-based pricing", which means you cannot know that number without a quote.
An example, with the assumptions stated, and not a claim about what is typical. Take a store that recovers $10,000 of disputed revenue in a quarter. At a 25% revenue share, $2,500 of that goes to the vendor and the store keeps $7,500. At 20% with a $250 per-case cap, the share depends on case sizes: thirty won cases averaging $333 each would land near $2,000, while a handful of large wins would hit the cap and cost less proportionally. Your own numbers will differ. Run them on your own dispute file rather than on mine.
None of that makes contingency pricing wrong. It just means the label describes your first day, not your total cost.
The vendors that publish nothing at all
A large part of this market does not put a number on a public page.
Chargeblast's pricing page carried no dollar figures, percentages, or tiers when I checked it on July 20, 2026. Chargebacks911's pricing URL returned a 404 the same day. Signifyd's pricing page is explicit about the model without giving the number: it charges "a percentage of the order total when an order is approved", varying by products, vertical, order volume, and average ticket, and directs you to a custom quote. Riskified's pricing route is a contact form.
I do not think undisclosed pricing is a scandal. Enterprise deals get negotiated, and a public number would be fiction for half the buyers. It does mean that any directory listing a price for these companies is quoting something other than the vendor, and you should not plan against it.
What is actually free at Redo, and what is not
Reclaim, our chargeback representment product, is free. $0 to install, no monthly fee, no success fee, and the merchant keeps 100% of what comes back. We can do that because representment runs on infrastructure we already operate for the rest of the platform, so it behaves like a feature rather than a separate business with a revenue share to collect.
I have to be equally plain about the other two. Resolve and Alerts have no public pricing. They are demo and partner-program products, and describing either of them as free would be false. If you want the deflection layer, you are having a pricing conversation, the same as you would with anyone else in this list.
So the honest version of Redo's answer to "what is free" is: the representment layer, permanently, and not the rest.
Every vendor here, against the four questions
The closing test below is four cost questions. Here is the whole list run against them, using each vendor's own published figures on the date shown. A dash means the vendor does not publish that number, so any directory quoting one is not quoting the vendor.
| Vendor | Install | Monthly floor | Success fee | Per-unit |
|---|---|---|---|---|
| Redo (Reclaim) | $0 | $0 | $0 | none |
| Chargeflow | Free to install | not published | 25% of recovered | $29 per alert, $0.20 per scan |
| Disputifier | Free to install | not published | 20%, capped $250 per case | $0.05 per order (prevention); alerts by quote |
| Chargeblast | not published | not published | not published | not published |
| Chargebacks911 | not published (404) | not published | not published | not published |
| Signifyd | not published | not published | percentage of approved order total | by quote |
Every competitor figure was checked July 20, 2026. Recheck each one before you rely on it, because this category revises pricing often and the stale numbers in directories are exactly the problem this table exists to route around.
The honest part
Free representment does not fix your dispute ratio. A dispute counts against you the day it is filed, whether or not you later win the representment, which is why winning a chargeback does not fix your dispute ratio. Recovery protects revenue. Only pre-filing deflection protects the ratio, and deflection is not the free part anywhere I have looked, including here.
Free also does not mean effortless. Someone still supplies order data, tracking, and policy documents, and someone reads the outcomes.
There is a real case for paying a revenue share. If a vendor recovers money you genuinely would not have recovered on your own, keeping 75% of something beats keeping 100% of nothing. The comparison that matters is not free versus paid. It is what each option recovers, net, on your dispute mix.
The test I would run before signing anything: ask four questions of the pricing page in front of you, in this order. What is the charge to install? What is the charge per month at zero recoveries? What is the charge when a case is won, as a percentage or a flat fee? What is the charge per alert, per scanned transaction, or per order?
If a page cannot answer all four, it is not published pricing, it is a lead form. Write down which of the four each vendor actually answers, and the comparison sorts itself out in about twenty minutes.
Frequently asked questions
Is any chargeback software actually free?
Reclaim from Redo is: $0 to install, no monthly fee, no success fee, and the merchant keeps 100% of what is recovered. Most other listings that read as free are a time-boxed trial, a free analytics tier of a paid product, or free-to-install contingency pricing where the vendor takes a share of whatever it recovers. Run the four-question test on any pricing page to tell which one you are looking at.
What does 'free to install' mean on the Shopify App Store?
It means there is no fixed monthly charge, not that the product costs nothing. The cost arrives later as a percentage of recovered revenue, commonly 20 to 25 percent, often alongside per-alert or per-scanned-transaction fees.
Does free representment fix my dispute ratio?
No. A dispute counts against your Visa VAMP ratio the day it is filed, whether or not you later win the representment. Recovery protects revenue; only resolving a dispute before it is filed can keep it out of the ratio.
Is paying a revenue share ever worth it?
Yes, when the vendor recovers money you would not have recovered on your own. Keeping 75 percent of a recovery you would otherwise have missed beats keeping 100 percent of nothing. Compare net recovery on your own dispute mix rather than free versus paid in the abstract.