Understanding your own statement is free.
Decoding and flagging will always cost nothing. You pay only when you want the dispute filed, the deadline held and the follow-up made — and none of it is switched on yet.
Free to understand. Paid only if you want it chased.
Your bank shows you that a charge happened. We are for the next question: who that actually is, and what the rule says about it.
- Decode any statement you send
- Automatic flags for trials, duplicates and renewals
- 3 dispute drafts a month
- 90 days of charge history
- Everything in Free
- Unlimited dispute drafts
- Full charge history and dispute tracking
- Standing-instruction tracking
- A nudge before a renewal lands
- ₹399 a year if you pay yearly
- Everything in Plus
- Up to 5 members
- Shared-card monitoring
- Combined household dispute tracking
- ₹799 a year if you pay yearly
Planned pricing for launch — nothing is chargeable yet and these figures may change.
Your expense tool watches what staff claim. Nobody watches what you're charged.
Duplicate vendor debits, SaaS that renewed at a new price, bank fees on the current account, mandates nobody remembers signing. Priced per company, not per seat — this sits alongside whatever expense tool you already run, it does not replace it.
- Decode one company statement
- Flags for duplicates, renewals and bank fees
- 3 dispute drafts a month
- See what a month of charges actually contains
- Up to 5 cards or accounts
- Unlimited dispute drafts
- Vendor and SaaS renewal tracking
- Mandate register across every account
- A monthly report of every charge queried and what came back
- ₹4,999 a year if you pay yearly
- Up to 20 cards or accounts
- Everything in Business
- Quarterly vendor review you can take into a renewal
- GST-ready export
- One named person who knows your account
Planned pricing for launch — nothing is chargeable yet and these figures may change.
The part you can actually use in a renewal
Every charge we query gets logged: what it was, when we raised it, what the vendor or bank said back, how long they took, and whether it was resolved or quietly dropped. That becomes your monthly report.
So when a vendor's service isn't up to scratch, you are not arguing from memory. You have a dated record of what they charged, what they were asked, and how they answered — which is a different conversation at renewal time.
What it is not: a guarantee that anything gets refunded, and not legal advice. It is a record of what happened, kept properly, so somebody else doesn't have to reconstruct it from a mailbox.
The thing that should be free, is free.
Nobody should pay to read their own statement
Decoding a charge is not a premium feature. It is the thing a bank arguably should have done in the first place. Charging for it would make us part of the problem we are describing.
You pay for the chasing, not the answers
The paid plans are for people disputing often enough that three drafts a month runs out, or covering a household or a company rather than one card. If Free is enough for you, Free is the product.
No commission, ever
We take nothing from any merchant we flag, and we do not sell charge data. The only money ChargeGuard can make is money you choose to pay it.
You will not be billed by surprise
Given what this product is, charging you through an auto-renewal you had forgotten about would be absurd. Any paid plan will tell you before it takes anything.
Three reasons not to pay us.
True. We don't promise a refund and we won't — whether money comes back is the bank's decision. What we promise is that the case is made properly, on time, and doesn't quietly disappear. If that isn't worth ₹49, Free is the product and we mean it.
It shows you that a charge happened, using the same code the bank stores. It doesn't tell you who that merchant actually is, whether you've been charged twice, or that a deadline is running.
So it is. What isn't free is knowing the clock started on the transaction date rather than the day you called, and that ₹100 a day is owed once it passes — paid on the bank's own initiative, without you asking.
Nobody should pay to read their own statement.
Decoding a charge is not a premium feature. It is the thing a bank arguably should have done in the first place.
Start with Free. It stays free.
You'll hear from us when the first version opens — not before, and not for anything else.