Research-based analysis: I've gone through every rule document, help center article, and community data point I could find on Tradeify. This breakdown reflects extensive research across their 3.0 overhaul — covering Select, Growth, and Lightning plans, the new Elite Live Performance Reward Pool, and updated drawdown mechanics. Nothing here is based on assumptions or marketing copy.
I broke it all down in my complete Tradeify rules overview. For the full picture, read my complete Tradeify review. For the absolute latest, check Tradeify's website or their help center.
What Exactly Happens When You File a Chargeback With Tradeify?
As of April 2026: Tradeify treats chargebacks the same way nearly every prop firm does — as a direct violation of their terms of service. The moment your bank or payment processor initiates a chargeback against Tradeify, three things happen in rapid succession.
First, your account gets terminated. Not suspended. Not flagged for review. Terminated. Every evaluation, every funded account, every dollar of simulated profit you've built up — gone.
Second, you're permanently banned from the platform. That means you can't create a new account, buy a new evaluation, or re-enter under a different email. Tradeify tracks this through payment processor data and KYC records, so the ban sticks.
Third, any pending payouts get frozen and forfeited. If you had a withdrawal request in progress or profits sitting in your funded account, those are gone too.
I want to be direct about this: there's no appeals process for chargebacks. It's not a gray area within Tradeify's rule structure. It's a hard line.
Why is Tradeify's stance this aggressive?
Because chargebacks cost prop firms real money. When you file a chargeback, your bank forcibly reverses the transaction. Tradeify doesn't just lose the payment — they also eat processing fees, dispute fees, and administrative costs on top of that. From their perspective, you received a service (evaluation access, funded account access), used it, and then took the money back.
The prop trading industry has dealt with chargeback abuse for years. Some traders would buy evaluations, fail them, and then dispute the charge to get their money back. Others would pass evaluations, collect payouts, and then file chargebacks on the original purchase to effectively double-dip. Tradeify's zero-tolerance policy exists because of those patterns.
Does the type of account matter?
No. Whether you're on a Select, Growth, or Lightning plan, the chargeback policy applies equally. It doesn't matter if you're in evaluation or funded status. It doesn't matter if you've been a customer for two days or two years. The policy is uniform across every product tier.
How One-Time Pricing Under 3.0 Changes the Equation
Here's where Tradeify's situation gets interesting compared to other firms. Since the 3.0 overhaul, Tradeify moved to one-time pricing across all account types. You pay once. There's no monthly subscription, no recurring billing, no ongoing charges hitting your card.
This actually reduces the chargeback risk from both sides.
Why does one-time pricing matter for chargebacks?
With subscription-based firms, chargebacks often happen accidentally. A trader forgets they signed up for a monthly plan, sees a recurring charge they don't recognize, and calls their bank. Or they meant to cancel but missed the window, and now there's a charge they didn't expect.
Tradeify doesn't have that problem anymore. You make a single purchase, you know exactly what you're paying, and there's no surprise billing three months later. The transaction is clean and intentional.
That said, this also means the stakes of a chargeback are different. You're not disputing a $99 monthly fee — you're disputing the entire one-time purchase price of your evaluation. And if you've already used that evaluation (even partially), Tradeify's position in the dispute is strong: you received and consumed the service.
What about add-on purchases?
If you buy account resets or additional evaluations, each of those is also a separate one-time purchase. Filing a chargeback on any individual transaction triggers the same policy — full termination across all accounts, not just the one associated with that specific purchase.
This is a detail people miss. Even if you have three funded accounts running profitably and you dispute a $50 reset purchase, all three funded accounts get terminated. Tradeify treats it as a violation at the customer level, not the transaction level.
Refund vs. Chargeback: The Distinction That Saves Your Account
This is the section I want everyone to read carefully, because the difference between a refund request and a chargeback is the difference between keeping your account and losing everything.
What's Tradeify's refund policy?
Tradeify offers refunds on evaluations that haven't been activated or used. If you bought an evaluation, haven't started trading on it, and decide you don't want it, you can contact support and request a refund through their official process.
The key conditions:
- The evaluation must not have been activated
- No trades can have been placed on the account
- You need to contact Tradeify support directly (not your bank)
- The refund goes back through the original payment method
Once you've placed even a single trade on an evaluation, refund eligibility typically ends. At that point, you've consumed part of the service.
How is a refund different from a chargeback?
A refund is Tradeify voluntarily returning your money. You ask them, they review it, and they process it through their payment system. It's cooperative. It doesn't cost them extra fees. It doesn't flag their merchant account.
A chargeback is your bank forcibly taking the money back without Tradeify's consent. It's adversarial. It costs them dispute fees. It damages their merchant processing relationship. And most critically — it triggers the automatic termination policy.
The gray area: what if Tradeify denies your refund?
This is where traders get into trouble. They request a refund, Tradeify says no (maybe because they already activated the evaluation), and in frustration they go to their bank and file a chargeback.
That's the worst possible move. Even if you feel the refund denial was unfair, the chargeback will cost you everything — your current accounts, your ban-free status, and any future relationship with the platform.
If Tradeify denies a refund and you disagree with the decision, your best path is to escalate through their support channels. Push for a supervisor review. Detail your case in writing. But don't go to your bank.
How to Avoid Accidental Chargebacks
Most chargebacks in the prop trading space aren't intentional fraud. They're accidents, misunderstandings, or knee-jerk reactions. Here's how to make sure you don't accidentally blow up your Tradeify account.
Does your bank recognize the charge description?
When Tradeify charges your card, the descriptor on your bank statement might not say "Tradeify" in big friendly letters. It could show the payment processor name or an abbreviated version. Before you buy, make a note of what the charge will look like on your statement.
If a charge shows up that you don't immediately recognize, check your email for purchase confirmations before calling your bank.
Have you set up purchase notifications?
Most banks and credit card companies let you enable real-time notifications for every charge. Turn those on. When you see a charge from Tradeify, you'll know immediately what it is — no confusion, no panic, no accidental dispute.
What about family members or shared cards?
This happens more often than you'd think. A trader buys an evaluation using a shared credit card. Their spouse sees the charge, doesn't recognize it, and calls the bank to dispute it. By the time the trader realizes what happened, the chargeback is already filed and their Tradeify account is terminated.
If you're using a shared payment method, communicate. Let anyone with access to the card know about the purchase in advance.
Can your bank file a chargeback without your knowledge?
In rare cases, yes. Some banks have fraud protection systems that automatically flag and dispute charges they consider suspicious. International transactions, first-time merchants, and unusual amounts can all trigger automatic disputes.
If your bank has aggressive fraud protection, you might want to add Tradeify as a trusted merchant or whitelist the charge beforehand. A two-minute phone call to your bank can prevent a permanent ban.
What to Do If You Have a Billing Issue With Tradeify
Let's say something legitimately went wrong. You got double-charged. The amount was incorrect. You were charged after your account was supposed to be closed. Real billing errors happen, and here's how to handle them without nuking your account.
Step 1: Document everything
Before you contact anyone, take screenshots. Capture your bank statement showing the charge, your Tradeify dashboard showing your purchase history, and any relevant emails or receipts. Build a clear paper trail.
Step 2: Contact Tradeify support first
Always go to Tradeify's support team before your bank. You can reach them through:
- Their help center at help.tradeify.co
- Their Discord support channels
- Email through their official contact form
Explain the issue clearly. Include your account email, the transaction date, the amount, and what you believe went wrong. Be factual, not emotional.
Step 3: Give them time to respond
Tradeify's support team typically responds within 24-48 hours. Don't file a chargeback after waiting four hours. Give them a reasonable window to investigate and resolve the issue.
Step 4: Escalate within Tradeify if needed
If the first response doesn't resolve your issue, ask to escalate. Request a supervisor review. Reference specific transaction details. Be persistent but professional.
Step 5: Only involve your bank as a last resort
If Tradeify is completely unresponsive after multiple attempts over several days, and you have a legitimate billing error that they're refusing to address, then involving your bank becomes more defensible. But understand the consequences — even a legitimate chargeback will likely trigger the termination policy.
In practice, I've seen very few cases where Tradeify refused to correct genuine billing errors. They'd rather fix the charge than deal with a chargeback dispute.
How Tradeify's Chargeback Policy Compares to Other Prop Firms
Tradeify's zero-tolerance approach isn't unique. In fact, it's the industry standard. But there are some differences worth noting in how firms handle the details.
How does this compare to Apex Trader Funding?
Apex has the same core policy: chargeback equals termination. The difference is that Apex runs on monthly subscriptions, which creates more chargeback surface area. Traders who forget to cancel their Apex subscription are more likely to dispute unexpected recurring charges than Tradeify traders who made a deliberate one-time purchase.
What about firms like Bulenox or TopOneTrader?
Same fundamental policy. The prop firm industry has standardized on zero-tolerance because the economics of chargebacks are so punishing. No legitimate firm can afford to treat chargebacks casually.
The one area where firms differ is refund policy leniency. Some firms offer longer refund windows or more flexible criteria. Tradeify's refund terms are fairly standard — unused evaluations can be refunded, used ones generally can't.
Are there any firms that handle chargebacks differently?
I haven't found a single reputable prop firm that allows chargebacks without consequence. The variation is in the details: how quickly they respond to billing disputes, how willing they are to issue preemptive refunds to avoid chargebacks, and whether they give any warning before termination.
Tradeify's one-time pricing model actually gives them an advantage here. Since there's no recurring billing, the most common accidental chargeback scenario (unexpected subscription charge) simply doesn't exist.
| Factor | Tradeify | Subscription-Based Firms |
|---|---|---|
| Billing model | One-time purchase | Monthly recurring |
| Chargeback consequence | Immediate termination + ban | Immediate termination + ban |
| Accidental chargeback risk | Lower (no recurring charges) | Higher (forgotten subscriptions) |
| Refund alternative | Available for unused evaluations | Varies by firm |
| Appeals process | Contact support before filing | Contact support before filing |
FAQ
Does Tradeify allow chargebacks under any circumstances?
No. Tradeify's policy is zero-tolerance regardless of the reason. Whether the chargeback is intentional, accidental, or initiated by your bank's fraud protection system, the result is the same: account termination and a permanent platform ban.
Can I reverse a chargeback to save my Tradeify account?
Once a chargeback is filed, the termination is typically immediate and irreversible. Even if you contact your bank to withdraw the dispute, Tradeify may not reinstate your account. The damage to their merchant relationship is already done.
What happens to my pending payouts if I file a chargeback?
All pending payouts are frozen and forfeited. If you had a withdrawal request being processed or unrealized profits in your funded account, those are lost when the chargeback triggers termination.
Does Tradeify's one-time pricing reduce chargeback issues?
Yes. Since there are no recurring subscription charges, the most common accidental chargeback scenario — disputing an unexpected recurring charge — doesn't apply. Every Tradeify purchase is a deliberate one-time transaction.
Can I get a refund instead of filing a chargeback?
Tradeify offers refunds on evaluations that haven't been activated or traded on. Contact their support team directly through the help center or Discord. A refund preserves your account standing; a chargeback destroys it.
What if my bank files a chargeback automatically without my consent?
This can happen with aggressive fraud protection systems. If your bank auto-disputes a Tradeify charge, contact both your bank (to withdraw the dispute) and Tradeify support (to explain the situation) immediately. Speed matters here — the faster you act, the better your chances.
Does a chargeback on one account affect my other Tradeify accounts?
Yes. Chargebacks are enforced at the customer level, not the account level. If you have multiple evaluations or funded accounts and file a chargeback on any single transaction, every account under your name gets terminated.
How long does Tradeify keep chargeback bans in place?
Bans from chargebacks are permanent. There's no waiting period after which you can create a new account. Tradeify cross-references payment data and KYC information to enforce this.
What should I do if I was double-charged by Tradeify?
Contact Tradeify support immediately with screenshots of both charges, your transaction dates, and your account email. They can investigate and reverse the duplicate charge through their payment system — which keeps your account safe.
Is the chargeback policy the same for crypto payments through Confirmo?
Crypto payments through Confirmo are generally non-reversible by nature, so chargebacks aren't technically possible the same way they are with credit cards. However, any attempt to dispute or reverse a crypto transaction through other means would still be treated as a terms violation.
