We built the tool we wished existed
ChargeGuard is an AI-first chargeback defense platform that fights and wins disputes for e-commerce merchants — for flat pricing, not 25% of recoveries. We got tired of paying incumbents — so we built a better way.
What is ChargeGuard?
ChargeGuard is an AI-powered chargeback defense platform that helps merchants fight and win dispute responses. Instead of manually crafting letters or paying percentage-based fees to third-party services, ChargeGuard uses AI to generate professional, evidence-backed defense responses in seconds.
AI defense responses
Reason-code analysis and a professional, evidence-backed response document in about 2 minutes. The same work takes competitors hours.
Evidence management
Collect, organize and attach transaction proof (orders, tracking, communication) in one dashboard.
Multi-provider sync
Native integrations with Stripe, Shopify, PayPal and Braintree. Disputes from all processors land in one queue.
Deadline tracking
Every dispute has a countdown. ChargeGuard makes sure no response window is ever missed.
Merchants lose over $40 billion annually to chargebacks, and 86% don't even fight back, either because the process is too time-consuming or because existing solutions take a 20-25% cut of every recovery. ChargeGuard changes that with flat monthly pricing starting at $149/mo and an Enterprise option at just 10% of recovery.
From connecting your Stripe account to generating a PDF-ready defense document, the entire workflow takes about 2 minutes. We handle reason-code analysis, evidence management, deadline tracking, and professional document generation. You focus on running your business.
Merchants deserve a fair fight
Why we started
We were merchants first. We watched chargebacks eat into our margins while existing tools charged 25% of every dollar recovered. The math didn't work: paying $12,500 to recover $50K in chargebacks felt like getting robbed twice. So we built the tool we wished existed.
Bootstrapped & independent
ChargeGuard is bootstrapped. No VC pressure, no growth-at-all-costs mindset. That means we answer to one group: our merchants. Every feature we ship comes from merchant feedback. The deadline tracker, the reason-code analysis, and the 2-minute response workflow all exist because merchants told us exactly where the old tools were failing them.
Key differentiators
We didn't build another me-too chargeback tool. Here's what makes ChargeGuard different.
Flat Pricing
From $149/mo with no percentage fees. Enterprise sits at just 10% of recovery, 60% cheaper than Chargeflow. A single recovered dispute pays for your entire month.
AI-First
Every defense response is generated by AI trained on chargeback reason codes, transaction patterns, and winning strategies. What takes competitors hours happens in seconds.
Multi-Provider
Stripe, Shopify, PayPal, and Braintree, all supported natively. One platform to manage chargebacks across all your payment processors — no more juggling tools.
2-Minute Setup
Sign up, connect Stripe, and start fighting disputes the same day. There is no sales call and no onboarding process to sit through.
Transparent & Honest
No hidden fees, no percentage bait-and-switch, no lock-in contracts. Our pricing page lists $149, $299 and the 10% Enterprise terms in plain text — the same numbers our customers pay.
Built for SMBs
Most chargeback tools are built for enterprises with $10M+ in revenue. ChargeGuard is designed for the merchants who need it most — small and growing businesses fighting to protect their margins.
Who uses ChargeGuard
- E-commerce merchants on Shopify, WooCommerce or Magento doing $50K-$2M/year
- SaaS companies on Stripe fighting friendly fraud
- Digital product sellers paid via PayPal or Braintree
- Agentic-commerce merchants accepting AI-agent payments
- Agencies managing chargebacks for multiple merchant clients
The team behind ChargeGuard
Cyril Marchand — founder
E-commerce operator turned builder. Ran online stores, ate the chargebacks, paid the 25% recovery fees, then built ChargeGuard so no merchant has to choose between fighting disputes and running the business. He posts the build in public on X (@cyril_build).
The origin story
ChargeGuard started in 2026 as an internal tool after one too many lost disputes. The first version generated defense letters from Stripe data in minutes instead of evenings. It worked, so it became a product. Bootstrapped from day one, priced flat from day one.
How ChargeGuard works
Connect
Sign up and connect your Stripe, Shopify, PayPal or Braintree account. 2 minutes, no sales call.
Disputes land
Chargebacks from every provider sync into one dashboard with deadlines and reason codes.
AI drafts
ChargeGuard analyzes the reason code, pulls your evidence, and drafts a professional response.
You submit
Review, adjust, export the PDF-ready document and submit to the network before the deadline.
Support: email at [email protected], responses within 24h. Onboarding is self-serve; most merchants file their first defense the same day.
ChargeGuard key facts
| Company Name | ChargeGuard |
| Type | Bootstrapped SaaS (chargeback defense) |
| Founded | 2026 |
| Founder | Cyril Marchand |
| Headquarters | France, remote-first |
| Website | https://www.trychargeguard.com |
| Core Offering | AI-generated chargeback defense responses, evidence management, deadline tracking, multi-provider dispute sync |
| Pricing | Growth $149/mo, Pro $299/mo, Enterprise 10% of recovered amount |
| Contract Terms | Month-to-month, no lock-in, 14-day free trial without credit card |
| Services | Chargeback defense for Stripe, Shopify, PayPal and Braintree merchants |
| Communication | Email support at [email protected], 24h response time |
| Competitors | Chargeflow (25% of recovered, no cap), Disputifier (20%), Chargebacks911 |
| Social | https://x.com/cyril_build |
Frequently asked questions
What is ChargeGuard?
ChargeGuard is an AI-first chargeback defense platform for e-commerce merchants. It generates professional, evidence-backed dispute responses in about 2 minutes, with flat pricing instead of percentage fees.
How much does ChargeGuard cost?
Growth is $149/mo, Pro is $299/mo, and Enterprise is 10% of recovered amounts. All plans are month-to-month with a 14-day free trial, no credit card required.
How is ChargeGuard different from Chargeflow?
Chargeflow charges 25% of every recovered dispute with no cap. ChargeGuard charges flat monthly pricing from $149/mo — Enterprise caps at 10% of recovery. A merchant recovering $50K/year pays about $12,500 with Chargeflow versus roughly $2,988 with ChargeGuard Pro.
Which payment providers does ChargeGuard support?
Stripe, Shopify, PayPal and Braintree are supported natively. Disputes from all providers land in one dashboard.
Who is behind ChargeGuard?
ChargeGuard was founded in 2026 by Cyril Marchand, an e-commerce operator who got tired of paying 25% recovery fees. The company is bootstrapped and remote-first from France.