Covered: Fraud Chargebacks
IncludedCard-not-present (CNP) fraud on ClearSale-approved orders
IncludedIdentity theft and account takeover chargebacks
IncludedFull order value reimbursed
IncludedClearSale handles dispute process and representment
100% Financial Guarantee
A Chargeback Guarantee That Pays
Every dollar in chargebacks costs merchants $4.61 in time, fees, goods, and shipping. ClearSale eliminates that entirely with our Chargeback Guarantee. If we approve a fraudulent order, we pay. Guaranteed.
$0 chargebacks for merchants99%+ approval rate maintained100,000+ ecommerce businesses protected
TL;DR
With ClearSale's Chargeback Guarantee, you get a 100% financial guarantee on approved orders. If we approve an order that results in a fraud chargeback, we pay the cost of the claim. That's how confident we are and how we maintain 99%+ approval rates. You don't have to trade good orders for protection.
The True Cost of Chargebacks
Chargebacks are costly for merchants and can result in serious consequences with payment processors. Here is the breakdown:
$4.61
Cost per $1 in chargebacks
Includes fees, merchandise, shipping, operations, and disputes
Fees
Processors charge for every dispute
Regardless of the dispute outcomes, merchants pay significant payment processor fees
Penalties
Based on exceeding dispute rate thresholds
Merchants that exceed dispute-rate thresholds are subject to Visa and MasterCard monitoring programs with higher rates
Lost merchandise shipped to fraudster
with ClearSale
100% recovery with ClearSale guarantee
Processor fees charged per dispute regardless of outcome
with ClearSale
$0 fees when fraud never gets through
Hours spent compiling dispute evidence
with ClearSale
ClearSale handles entire dispute process
Risk of losing payment processing rights
with ClearSale
Stay well under card network dispute-rate thresholds
How the Guarantee Works
Every approved order is financially guaranteed. Here is how that works:
1
AI Screening for Fast Approvals
Our AI algorithm is trained on the largest fraud database in the world to scan orders to immediately approve good orders and obvious fraud.
2
Human Analysis for More Approvals
Suspicious orders are reviewed by our team of 1,100+ global fraud experts who strive to approve more good orders and decline fraudulent orders.
3
All Approvals Are Guaranteed
If an order we approved results in a fraud-related chargeback, we cover the loss: full order value reimbursed, and we handle the entire dispute process.
What the Guarantee Covers
Full transparency on coverage, exclusions, and plan options.
Not Covered: Service Disputes
ExcludedItem-not-received (INR) claims. These are shipping issues, not fraud
ExcludedProduct quality disputes. These are customer satisfaction issues
ExcludedSubscription cancellation disputes
NoteClearSale focuses on fraud prevention. Operational chargebacks need a different solution
| Plan | Pricing | Includes |
|---|---|---|
| SMB & Mid-Sized Growth Plans with Chargeback Guarantee | Starting from $250/month, based on monthly transaction volume | Chargeback protection included on approved orders |
| Custom Solutions for Enterprise Businesses | Custom quote for merchants processing 50,000+ orders/month | Dedicated fraud analyst teams, custom decision rules, priority SLA guarantees |
Calculate Your Chargeback Savings
See how much ClearSale's Chargeback Guarantee could save your business based on your current chargeback rate.
$500k
$50k$5M
0.8%
0.1%3%
Estimated Annual Savings
$120,000
Based on the cost of chargebacks (time, fees, goods, and shipping)
Get Your Guarantee →Merchants With Proven Results
Real results from merchants using ClearSale's Chargeback Guarantee.
Consumer Electronics Manufacturer
98.52%
Drop in Q3 chargeback ratio after switching from manual review to ClearSale with full guarantee
Motorola
80%
Fewer false declines with AI + human review during peak sales periods
Samsonite
$0
Fraud chargeback costs eliminated within four months of implementing ClearSale
What Merchants Say
ClearSale has been a priceless partner in our business plan. We're saving money in so many areas by having these orders approved and guaranteed through ClearSale.
Jelena PetrovicPhoneDaddy.com
Without a doubt, the #1 benefit we get from ClearSale is peace of mind. We know that once we get that approval from them, we can ship our guitars out with confidence.
Brendan SmythHeartbreaker Guitars
The time I would have spent reviewing orders? Now I can spend that time going out and landing more business.
Richard GastmeierRV Part Shop
Chargeback Protection FAQ
Common questions about ClearSale's chargeback guarantee
What exactly does the chargeback guarantee cover?
ClearSale's Chargeback Guarantee covers any fraud-related chargeback on an order we approved. This includes card-not-present fraud, identity theft, and account takeover chargebacks. It does not cover service disputes such as item-not-received or product quality claims, which are operational issues rather than fraud.
Does the chargeback guarantee affect approval rates?
No. ClearSale maintains 99%+ approval rates even with the full chargeback guarantee. The AI + Human review model catches fraud without declining legitimate orders. Merchants do not have to trade revenue for protection. They get both.
Can I add the guarantee to my existing fraud solution?
ClearSale's chargeback guarantee is tied to ClearSale's own approval decisions. It cannot be added to third-party fraud solutions because the guarantee requires ClearSale to control the screening process and stand behind its own decisions.
What industries are eligible for the guarantee?
ClearSale works across ecommerce verticals. Pricing and guarantee terms are usage-based and depend on your transaction volume, risk profile, and business needs. High-risk categories receive a custom quote.
Ready to see what the guarantee would cover for your store?
Send us your current chargeback rate and average order value and we will show you the numbers for your business.
Free fraud analysis. No commitment. ClearSale is a part of Experian.