Signifyd Alternatives for Small Online Stores: 5 Picks 2027

Pick the protection type before the vendor

The first decision is which kind of protection you are buying, because the tools in this comparison do different jobs. A fraud-screening tool scores each order and decides whether to accept it. A chargeback guarantee goes further: the vendor takes on the financial loss of some disputes on orders it approved, which is the model Signifyd and Riskified both describe. For a small store, the category matters more than the brand, because a score-only tool leaves every dispute on your side of the ledger.

A chargeback guarantee is a written promise to pay for certain fraud-related disputes on orders the vendor approved. A fraud-screening tool is a decision service that does not pay for disputes by itself.

TL;DR: Shopify Protect is the clearest zero-cost option here, but it covers only eligible US Shop Pay orders. Signifyd, Wyllo, Riskified and Kount do not publish a rate you can compare on your own, so the guarantee wording matters more than any headline number. Stripe Radar publishes starting monthly plan prices, but its pricing page does not describe a chargeback guarantee.

Key Takeaways

• Decide first whether you need a guarantee that pays for disputes or a screening score that only decides on orders.

• Shopify Protect has no extra cost on eligible orders, but it applies only to eligible US Shop Pay transactions with tracking uploaded on time.

• Signifyd and Kount sell through quotes, and Riskified's Shopify listing names no rate, so the written guarantee terms are your only fair comparison before a sales call.

• NoFraud is now Wyllo. Its public website shows a free trial and a pricing calculator, not a price list.

• Stripe Radar publishes monthly starting prices, but its pricing page does not describe a chargeback guarantee, so check the terms before assuming one.

• Measure your monthly dollar exposure from disputes before you compare any quote. The worked example below shows the method.

How we evaluated these tools

We evaluated Signifyd as the baseline and five alternatives: Wyllo (formerly NoFraud), Shopify Protect, Stripe Radar, Riskified and Kount. The work used public pages only: each vendor's own pricing or product page where one exists, a Shopify App Store listing where the vendor sells through Shopify, and two independent sources, an industry association and a trade publication. We did not run any product. The weights below are our judgment for a small store buying its first guarantee, not a published standard.

Pricing transparency and guarantee scope together carry 40% of the score, because they decide both the monthly bill and your dispute exposure.

What each option publishes, side by side

The matrix records only what each page or listing states. A "Not stated" cell means we opened the page and found no claim. It does not mean the feature is absent.

Shopify Protect is the only option here whose page sets a clear rule for when protection applies, and that rule is tight. Shopify Protect window: 7 days to add tracking according to Shopify (2026). The page says each order needs fulfillment and a tracking number within seven days of order receipt, and it must ship with an approved carrier. A store that misses that window loses protection on the order, so the fulfillment routine matters as much as the setting.

Pricing and cost structure, as checked

Pricing checked October 25, 2026. Only figures read on a vendor's own page appear as numbers in the table below. Every other cell says Quote-based, no extra cost, or free to install, as the vendor's page or listing states.

The Riskified listing shows 1 pricing tier, labeled Free to install, and says external charges may be billed by Riskified separately from your Shopify invoice, according to Shopify App Store (2026). The Kount listing shows 1 plan, labeled Free, and says additional service fees may apply, with a link to Kount's own site, according to Shopify App Store (2026). Neither listing gives a rate you can budget from.

Stripe's page lists starting monthly prices for its plans and does not state a per-transaction rate in the content we could read, so do not budget from a per-screen figure you find elsewhere. The page does not mention a chargeback guarantee. If you are already on Stripe, that gap is the first thing to clarify with Stripe before you rely on Radar for dispute losses.

Vendor profiles: fit, limits and evidence

Signifyd, the baseline

Signifyd is the best-known guarantee product in this category, and it is built around a quote. Its pricing page says to complete a form to receive a custom quote, and that the final cost depends on an assessment of your operating effort, chargeback losses and order declines, according to Signifyd. The same page says the chargeback guarantee is configurable, from fraud-only protection to a full chargeback liability shift, and that the company charges a percentage of the order total when an order is approved. Orders declined for fraud incur no charge.

Best fit is a store that wants the vendor to carry the loss on approved orders and can wait for a quote. The limit is the budget gap: the page lists 0 published dollar amounts and mentions no free trial, so you cannot model cost before the form. The page also says the company will not win business with "a low introductory rate that skyrockets down the road," which is a vendor claim, so read the contract for how the rate can change. Implementation means a quote, a review of your chargeback history and a written decision on which coverage level applies to each order type.

Wyllo, formerly NoFraud

If you searched for NoFraud, the company is now Wyllo. The March 2026 release, distributed through EIN Presswire, says NoFraud is becoming Wyllo after it acquired Yofi, a post-purchase risk platform, according to EIN Presswire (2026). The release says the combined product covers checkout through returns, refunds and support, and names integrations with Salesforce Service Cloud, Kustomer and Gorgias. It is a company release, so its performance claims are self-reported.

Wyllo's own site offers a two-week free trial and a pricing calculator, but it lists no prices or plan names, according to Wyllo (2026). Best fit is a store that wants risk checks after checkout and already runs one of the named helpdesk tools. The limits are the missing price list, the release's lack of deal terms, and the absence of a chargeback guarantee on the pages we opened. Implementation starts with the trial to see what the calculator returns, then a written request for the guarantee terms before the store is connected.

Shopify Protect

Shopify Protect is the built-in option for stores that use Shopify Payments and Shop Pay. The Shopify page calls it free, built-in chargeback protection that applies to eligible Shop Pay transactions at no extra cost, and it covers US stores only. For protected fraud-based chargebacks, Shopify manages the dispute and covers the total order cost and the chargeback fee, and the page says no extra reporting or fees are needed from you.

Best fit is a US store that wants a no-cost floor before paying any vendor. The limits are real. The protection applies to eligible Shop Pay orders, so orders paid another way are outside the page's description, and the page does not list the reason codes it covers; those sit in the full terms and Help Center. Implementation is operational. Each order needs a tracking number and an approved carrier within the window, so a daily check of unfulfilled and untracked orders is the most useful step you can take.

Stripe Radar

Stripe Radar is the choice for a store already taking card payments on Stripe that wants fraud screening inside the same account. Stripe's pricing page lists starting monthly prices for businesses on its Standard, Plus and Pro plans, and it describes a separate option for card payments and card testing. The page does not describe a chargeback guarantee, so a screening score does not, on the content we read, pay for disputes.

Best fit is an existing Stripe merchant that wants a score on each payment and has its own dispute process. The limit is that you carry the loss on disputes unless a separate guarantee applies. Implementation is light if you are already on Stripe, but the per-transaction rate needs to come from your Stripe dashboard, not from a third-party estimate.

Riskified

Riskified's Shopify listing describes its AI platform as delivering real-time fraud decisions with guaranteed chargeback protection and says it provides full chargeback protection on every transaction. Best fit is a Shopify store that wants the guarantee and screening in one app and can accept a sales conversation for pricing. The listing does not describe the guarantee's conditions, coverage limits or exclusions, and it says external charges may be billed separately from the Shopify invoice.

Implementation starts with the app install, which is free, followed by a written request for the fee schedule and the guarantee conditions. Ask whether the guarantee applies to approved orders only and what evidence it needs from you to pay a claim. Those answers decide whether the guarantee covers your losses.

Kount

Kount is an option for Shopify merchants who want a fraud app backed by a large data provider. Kount Essentials launched on May 3, 2023, as an app for small Shopify merchants with no-code setup and in-app decisions, alongside the larger Kount Advanced app, according to PYMNTS (2023). Kount Essentials launch: May 3, 2023 is the most recent independent date we found for that tier.

Best fit is a small Shopify store that wants a screening tool installed inside the store admin and is comfortable with a quote for the paid layer. The listing names only one plan, labeled Free, and says additional service fees may apply, so ask in writing which tier you would receive and what it costs per order or per month. Implementation is the install, then a review of the decision rules you approve. The fee structure is not on the listing.

Where a no-code stack fits, and where it does not

For many small stores the real alternative is stitching the process together in Zapier, Make or n8n, or building it in-house. Those tools can support run histories, retries, error branches and audit evidence when they are configured that way, so do not dismiss them. The buyer still has to design and own observability, idempotency (so a retry never double-holds an order), escalation paths, access controls and ongoing maintenance, and those are the parts that fail quietly. A proposed US Tech Automations design would configure the same steps as a defined workflow, with the review points fixed in advance rather than left to whoever built the automation.

A proposed US Tech Automations workflow would sit beside whichever guarantee or screening tool you choose and would not replace it. Trigger: an order is marked fulfilled in Shopify. Action: the workflow checks that a carrier tracking number is attached within seven days of order receipt, the window Shopify Protect requires, and flags any order without one. Output: a task in the operations queue and a morning summary of flagged orders. Prerequisites: Shopify admin access to order and fulfillment data or a scheduled CSV export, carrier tracking data, and the fraud tool's decision export. Human review point: a person clears each flag, and the workflow never holds or cancels an order on its own.

A second proposed workflow handles disputes. Trigger: a dispute notice arrives from the payment processor or the guarantee vendor, by webhook or email export. Action: the workflow gathers the order record, tracking events and delivery proof into one evidence folder and drafts the response from a template your team approves. Output: a review ticket with the folder attached. Prerequisites: API or export access to the processor's dispute data, carrier delivery records, and the approved template. Human review point: a person checks the evidence and decides whether to submit, because a submission is hard to reverse.

One chargeback at 400 orders: the math

Take an illustrative store, not a real customer, with 400 approved orders a month at an average of $80, which is $32,000 in approved revenue. If 0.5% of those orders end in a fraud dispute, that is 2 disputes and $160 of order value a month, or $1,920 over 12 months (12 × $160). A monthly fee above $160 costs more than the disputes it would cover at that rate, before counting staff time, so a guarantee earns its cost only if your dispute rate runs higher or its coverage reaches disputes your evidence would otherwise lose. On Stripe, the radar.early_fraud_warning.created event fires whenever an early fraud warning is created, as Stripe's event reference describes, and a proposed workflow can route each one to a person for review.

These are illustrative assumptions. The 0.5% dispute rate is an example, not a benchmark, so replace it with your own dispute count before you compare any quote.

Who this is for and decision checklist

Who this is for: a small store on Shopify or Stripe that ships physical goods with tracking, has a single owner or a small operations team, and needs a decision it can explain to its payment processor.

Red flags: you sell outside the United States, which rules out Shopify Protect; most of your losses come from refunds or policy abuse rather than stolen cards; or the vendor will not put guarantee terms in writing before you sign.

Refund abuse: 47% of merchants name it top attack according to Merchant Risk Council (2025). The same report surveyed 1,082 merchant professionals, fielded in October and November 2024. If refund abuse is your main problem, a checkout score may not see a shopper who files a false claim after delivery, so ask each vendor what it sees beyond the order.

Decision checklist:

1. Total the disputes and refunds you lost last quarter in dollars, not counts.

2. Ask each vendor whether its guarantee covers fraud-only disputes or all chargebacks.

3. Get the fee basis in writing: percentage of approved orders, per screen, or per plan.

4. Confirm your platform and country. Shopify Protect is US-only and limited to eligible Shop Pay orders.

5. Confirm who submits dispute evidence and who owns the review queue.

6. Re-run the worked example with the quoted fee before you sign.

Frequently asked questions

Is Shopify Protect a real alternative to Signifyd?

For a US store taking eligible Shop Pay orders, yes, it is a free starting point, but it is narrower than a vendor guarantee. It covers protected fraud-based chargebacks on eligible orders, and it does not replace a contract that covers every payment method you accept.

Which option has the lowest published starting price?

Among the options with a published monthly price, Stripe's Standard plan is the lowest, and the figure is in the pricing table above. Shopify Protect has no extra cost on eligible orders, so it is lower still for the orders it covers.

Does a fraud score pay for chargebacks?

Usually not by itself. A score decides whether to accept an order, while a guarantee is a separate written promise to pay for certain disputes on orders the vendor approved.

Is NoFraud still a separate product?

No. NoFraud is now Wyllo, as set out in the profile above, so older quotes, reviews and app listings may still use the former name. Confirm which company's contract you are signing.

When should a small store skip US Tech Automations?

Skip it if a single vendor's guarantee and a written dispute process already cover your risk, because a second layer adds setup work for little gain. It is also the wrong choice if you cannot give it API or export access to your order and payment data, since the workflows above depend on that access. If your sales run only through a marketplace with its own protection, the proposed design has little to configure.

How do I check a quote against my own numbers?

Multiply your monthly approved revenue by the quoted fee basis, then compare that cost with the disputes and refunds you lost last quarter. If the quote costs more than those losses, the case for a guarantee rests on dispute coverage and time saved, and you should be able to state both in dollars.

Conclusion

Start with the protection type, then compare the written terms, not the headline. For a US store on Shop Pay, Shopify Protect carries no extra cost and is worth enabling as a floor. If you need a guarantee beyond that, Signifyd, Riskified and Kount require quotes, and Wyllo offers a calculator and a two-week free trial. Stripe Radar fits a store already on Stripe, once you confirm whether a guarantee applies. To see how the tracking and dispute steps described above would be configured, see how US Tech Automations configures this.