Algiz vs ChargePay.
Both recover Shopify chargebacks. The difference isn't a feature — it's alignment. Algiz earns when you win. ChargePay earns regardless. Here's why that matters.
first 3 disputes free · no card required
Pick Algiz if you want skin-in-the-game pricing. Pick ChargePay if you have steady mid-volume disputes and prefer predictable fees.
- · You want vendor incentives aligned with your outcomes
- · You want to read what's submitted in your name
- · You prefer verified win rates over marketing claims
- · Your dispute volume is variable month-to-month
- · You have steady, predictable dispute volume
- · $19.99 flat is easier to budget than variable %
- · You don't want to approve each dispute
- · You trust the 85% win-rate claim
Every dimension that matters.
| dimension | Algiz | ChargePay |
|---|---|---|
| Base price | $9 / month | $19.99 / month |
| Variable fee | 12% per win | None — flat |
| Paid when they lose? | No (12% only on wins) | Yes — flat regardless |
| Win cap | None | None |
| Submit model | 60s draft → you approve in 24h | Auto-submit |
| Visa CE 3.0 | Native (built day 1) | Marketed |
| Win-rate claim | To be published with 10+ live merchants | 85% (marketing claim, unverified at scale) |
| Free trial | First 3 disputes free | Free to install — flat fee starts at activation |
| Team size | Solo founder (Szczecin, PL) | Company |
| Founder access | Direct (jakub@jpozarycki.com, X) | Via support |
Where flat wins. Where flat loses.
ChargePay's flat fee is a feature when volume is high and wins are real. It's a bug when wins don't materialize — you pay the same.
scenario A — typical month (6 chargebacks, $140 avg, 45% win rate)
ChargePay leads by +$34/mo — only if they actually deliver 45% win rate.
scenario B — bad month (6 chargebacks, $140 avg, 8% baseline win rate)
When wins disappear, the flat fee bites harder. Algiz still costs $9; ChargePay still costs $19.99.
scenario C — zero wins (6 disputes filed, none won)
The cost of a vendor with no skin in the game.
We chose 12% on wins on purpose — not flat.
A flat fee gets paid the same whether the tool wins your dispute or phones it in. There's no economic pressure to fight harder on the difficult ones.
A recovery fee — 12% only on wins — means we eat the cost of every dispute we lose. So we have a direct, measurable reason to draft better evidence on every single dispute, not just the easy ones.
We'd rather lose money on the months you have a bad streak than charge you for output you didn't get.
Things people ask before switching.
- What's the main difference between Algiz and ChargePay?
- Pricing alignment. Algiz uses success-based pricing ($9/mo + 12% only when you win), so we lose money on every dispute we don't recover — our incentives are aligned with yours. ChargePay charges $19.99/month flat — they get paid the same whether they win every dispute or zero of them.
- Isn't ChargePay's flat fee cheaper at low volume?
- It can be, on raw monthly cost. At 6 chargebacks/month at $140 average, ChargePay's $19.99 flat actually nets slightly more than Algiz on paper — by about $35. But that math only works if ChargePay actually wins your disputes. If they win zero of them, you still pay $19.99/month forever; with Algiz, you pay $9/month and nothing else. The flat fee removes ChargePay's incentive to fight hard on any individual dispute.
- ChargePay markets an 85% win rate. Is that real?
- It's their published claim. The honest answer is: 85% win rates are statistically uncommon at any sample size, and very hard to verify on small merchant volumes. Industry baselines for CE 3.0-native systems sit at 40-50%. Algiz publicly commits to publishing measured win rates once we have 10+ live merchants — verified against your books, not marketing material.
- Does ChargePay support Visa CE 3.0?
- Yes — they market CE 3.0 support. Algiz is built CE 3.0-native from day 1, meaning the entire evidence pipeline is structured around CE 3.0 data requirements (matching IP, device fingerprint, or shipping address from prior 120-365 day transactions on reason code 10.4). Both should perform similarly on disputes that qualify.
- Does ChargePay let me approve evidence before submission?
- No — ChargePay auto-submits like Chargeflow and Disputifier. Algiz drafts in 60 seconds and waits for your one-tap approval (up to 24 hours before the deadline). You can edit, skip, or approve as-is.
- Can I switch from ChargePay to Algiz mid-month?
- Yes — ChargePay is a month-to-month subscription with no annual lock-in. You can install Algiz alongside ChargePay during a trial, route disputes to whichever you prefer, and uninstall the loser. Algiz's first 3 disputes are free in the pre-launch waitlist phase.
Aligned incentives. Pay nothing until you win.
50 invites a week · free first 3 disputes — if we don't win them, you pay nothing, ever