# ChargeGuard

> AI-powered chargeback defense platform for Stripe merchants. Flat pricing from $149/mo, no percentage fees. Automatically generate professional dispute responses.

## What it does

ChargeGuard connects to your Stripe account, syncs chargebacks automatically, and uses AI (via OpenRouter) to generate professional, factual dispute response letters tailored to each chargeback reason code. It tracks deadlines, organizes evidence, and helps merchants win more chargebacks at a fraction of the cost of competitors.

## Key differentiators

- Flat monthly pricing ($149/$299/$499 + Enterprise at 10% of recovery) vs competitors charging 20-25% of recovered amounts
- AI-generated defense responses in seconds, not hours
- Automatic Stripe dispute sync with deadline tracking
- Evidence vault for reusable proof documents
- 14-day free trial, no credit card required

## Pricing

- Starter: $149/mo — up to 15 disputes/month
- Pro: $299/mo — up to 50 disputes/month (most popular)
- Growth: $499/mo — up to 150 disputes/month
- Enterprise: 10% of recovered amount — unlimited disputes

All plans include 14-day free trial.

## Agent actions (WebMCP)

AI agents can complete these tasks on this site declaratively. Machine-readable catalog: [mcp-actions.json](https://www.trychargeguard.com/mcp-actions.json) (also discoverable via `<link rel="mcp-actions">` in the HTML head).

- **create-account** — Create a merchant account and start a 14-day free trial. POST to `/api/auth/signup` with fullName, email, password, confirmPassword, agreedToTerms (boolean), newsletterOptIn (optional boolean). The signup form at [/signup](https://www.trychargeguard.com/signup) carries the same `data-mcp-action` markup on each field. A verification email follows submission; Cloudflare Turnstile protects the form (agents should expect a challenge).
- **request-chargeback-audit** — Request a free chargeback risk audit of your store. POST to `https://www.trychargeguard.com/api/audit-request` with store_url, email, company, and platform (one of: shopify, woocommerce, magento, bigcommerce, custom). The hidden `website` field must stay empty (anti-spam honeypot). No CAPTCHA — this action is agent-friendly. The store_url must be a live site and the email must be deliverable (MX-verified server-side); submissions failing these checks are silently quarantined. Form at [/chargeback-audit](https://www.trychargeguard.com/chargeback-audit).

## Key pages

- [Homepage](https://trychargeguard.com/) — product overview, features, how it works
- [Pricing](https://trychargeguard.com/pricing) — plan comparison, competitor pricing table
- [FAQ](https://trychargeguard.com/faq) — security, setup, processors, win rates
- [About](https://trychargeguard.com/about) — company mission
- [Contact](https://trychargeguard.com/contact) — support form

## Supported payment processors

Stripe, Shopify, PayPal, and Braintree — all supported natively.

## Technical stack

Next.js, Supabase (row-level security), OpenRouter (AI), Stripe (billing), Vercel (hosting). PostHog for analytics.

## Paid agentic API (x402)

AI agents can pay per call in USDC on Base (x402 protocol) for a full chargeback-risk teardown of any e-commerce store.

- **chargeback_risk_teardown** — POST to `https://www.trychargeguard.com/api/teardown` with `{"url": "https://mystore.com"}`. Returns structured JSON: risk_score (0-100), payment_signals, policy_coverage, reason_code_exposure (Visa/Mastercard families), dispute_readiness, top_risks (each mapped to the most likely network reason code), quick_win. Price: $9.90/call. First unpaid call returns HTTP 402 with x402 terms (scheme: exact, network: eip155:8453); pay and retry with the X-PAYMENT header. Alternative auth: Bearer API key (contact us). Machine-readable spec: [openapi.json](https://www.trychargeguard.com/openapi.json).

## MCP server (ChatGPT connector / apps, Claude, agents)
- Endpoint: [https://www.trychargeguard.com/mcp](https://www.trychargeguard.com/mcp) (MCP streamable HTTP, stateless JSON-RPC 2.0, POST only)
- Tools: list_reason_codes, lookup_reason_code, get_response_deadlines, request_chargeback_audit
- Docs: [Developers hub](https://www.trychargeguard.com/developers)
- Markdown mirror of the developers docs: [developers.md](https://www.trychargeguard.com/developers.md)