ProofReturn vs Chargeflow
Two different approaches to chargeback disputes. See which solution fits your business size, technical resources, and dispute volume.
Quick Summary
Choose ProofReturn if:
- You have 1-20 chargebacks per month
- You want to start immediately (no integration)
- You prefer flat, predictable pricing ($29)
- You want control over your response
Choose Chargeflow if:
- You have 50+ chargebacks per month
- You have dev resources for API integration
- You want fully hands-off automation
- You prefer paying only when you win
Real Cost Comparison
$300 avg value, 50% win rate
$200 avg value, 60% win rate
$150 avg value, 70% win rate
* Chargeflow percentage varies. 25% used as baseline. Actual costs may differ.
| Feature | ProofReturn | Chargeflow |
|---|---|---|
| Pricing model | $29 per packet (flat fee) | 25%+ of recovered amount |
| Upfront cost | $29 per dispute | $0 (pay only if you win) |
| Cost on $500 win | $29 | $125+ (25% of $500) |
| Integration required | None - manual upload | API integration with payment processor |
| Setup time | 0 minutes - start immediately | Days/weeks for integration |
| Who submits response | You submit to processor | Chargeflow submits automatically |
| Best for volume | 1-20 chargebacks/month | 50+ chargebacks/month |
| Control over response | Full control - review before submit | Automated - less control |
| Works with any processor | Yes - any processor | Limited to supported integrations |
| Contracts | Pay per use, no commitment | No contracts |
Key Differences Explained
Automation Level
Chargeflow is fully automated - once integrated, it detects chargebacks, gathers evidence from your systems, generates responses, and submits them automatically. You barely need to touch it.
ProofReturn is a guided self-service tool. You provide the information, we generate a professional packet, and you submit it to your processor. This gives you full control and works with any processor, but requires your involvement.
Integration Requirements
Chargeflow requires API integration with your payment processor. This means developer involvement, setup time (days to weeks), and you're limited to processors they support.
ProofReturn requires no integration. Create an account and generate your first packet in minutes. Works with any processor since you submit the response yourself.
Who Each Platform Serves Best
Chargeflow is built for enterprise eCommerce - brands with high transaction volume, dedicated dev teams, and enough chargebacks to justify integration overhead. They cite 15,000+ customers, primarily Shopify and eCommerce platforms.
ProofReturn is built for small-to-medium merchants - indie sellers, SaaS companies, service businesses, and anyone who gets occasional chargebacks but doesn't want enterprise complexity or costs.
Frequently Asked Questions
How do the pricing models compare?
ProofReturn charges a flat $29 per dispute packet regardless of outcome. Chargeflow charges nothing upfront but takes 25% or more of any recovered funds. For a $500 chargeback win, ProofReturn costs $29 while Chargeflow costs $125+. The break-even point is around $116 - below that, ProofReturn is cheaper even if you win.
Do I need technical resources to use either platform?
ProofReturn requires zero technical setup - you fill out a form, upload evidence, and get a PDF to submit yourself. Chargeflow requires API integration with your payment processor (Stripe, Shopify, etc.), which typically needs developer involvement and days or weeks to set up.
Which platform has better win rates?
Both platforms produce professionally formatted responses following processor guidelines. Win rates depend primarily on your evidence quality, not the tool. Chargeflow cites high win rates (80%+), but these are achievable with any properly formatted response when you have strong evidence.
When should I choose Chargeflow over ProofReturn?
Chargeflow makes sense if you have 50+ chargebacks per month, have developer resources for API integration, want completely hands-off automation, and prefer paying only when you win (even if the total cost is higher). Enterprise eCommerce brands often fit this profile.
When should I choose ProofReturn over Chargeflow?
ProofReturn is better if you have fewer than 20 chargebacks per month, want to start immediately without integration, prefer flat predictable pricing, want to review responses before submission, or work with processors Chargeflow doesn't support.
Can I switch between platforms?
Yes. Since ProofReturn has no contracts or integration requirements, you can use it anytime. If your volume grows significantly, you could later add Chargeflow for automation while still using ProofReturn for processors Chargeflow doesn't support.
The Bottom Line
Both ProofReturn and Chargeflow help merchants fight chargebacks effectively. The right choice depends on your specific situation:
- ProofReturnis ideal for merchants who want simplicity, predictable costs, and immediate access without technical setup. Perfect for small-to-medium businesses with occasional chargebacks.
- Chargeflowis ideal for high-volume eCommerce merchants who want complete automation and have the technical resources for integration. The success-based pricing makes sense at scale.
Ready to Fight Your Chargebacks?
No integration needed. No percentage fees. Generate a professional dispute packet for $29 and submit it yourself - start winning in minutes.