Chargebackify started inside a Shopify store, not a bank. Two of us ran operations for a supplements brand that spent 2023 fighting disputes it could have refunded in ninety seconds.
Most chargebacks are not fraud. They are slow shipping turning into not-received claims, a bank descriptor nobody recognises turning into fraud claims from people who genuinely bought the product, and subscription renewals customers had forgotten about. Almost none of it is stopped by a fraud filter, because almost none of it looked wrong at checkout.
Fighting them afterwards does not help as much as it sounds like it should. A dispute you win is still a chargeback in the ratio your acquirer watches, and it is the ratio, not the individual order, that decides whether your payouts get held.
The boring answer works better: catch the dispute while the bank is still asking, and refund it. You lose the order value either way, so the question is only whether you also lose the fee and take the mark on your account. Below some order value, that is not a decision anyone needs to be woken up for.
Chargebackify is that idea, built as a Shopify app and kept deliberately small. It reads the disputes Shopify Payments already records for your store, refunds the ones under a threshold you set, and asks you about the rest. The pricing follows the same logic: if it does not prevent a chargeback, there is nothing to charge for.
Chargeback prevention infrastructure, starting with Shopify. Alerts, refunds and ratio monitoring in one place.
Network rule changes, threshold updates and merchant teardowns. Once a month.
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