Compare

BuySure vs Navidium

Navidium made the self-insured model popular: the merchant sells protection, keeps the fee, and works the claims in a portal. BuySure starts from the same idea and takes the manual part away.

BuySure Shopper-funded protection, AI-decided claims, outcomes as Shopify records Built for Shopify
vs
Navidium Self-insured protection, merchant works every claim navidiumapp.com

How does BuySure compare with Navidium? Navidium made the self-insured model popular: the merchant sells protection, keeps the fee, and works the claims in a portal. BuySure starts from the same idea and takes the manual part away.

At a glance

Six things that decide which one fits.

Who funds claims
BuySureShoppers, at checkout
NavidiumShoppers; merchant keeps the fee
Who decides
BuySureAI inside your rules, then your people
NavidiumYour team, by hand
Claim types
BuySureSeven
NavidiumWhatever you choose
Where the refund lives
BuySureYour Shopify admin
NavidiumYour Shopify admin
Merchant fee
BuySurePlan subscription
NavidiumMonthly tiers by volume
Platforms
BuySureShopify and Shopify Plus
NavidiumShopify
How Navidium works

Navidium, in its own terms.

Navidium is a self-service shipping protection app. It states plainly that it is not an insurance company and does not underwrite claims: the merchant keeps the fees, manages its own claims, and uses Navidium's portal for one-click refunds and reorders. It is priced as a monthly subscription by order volume, with a free tier for small stores.

Facts about Navidium are taken from navidiumapp.com and its public materials, checked September 2026. If something has changed, tell us and we will correct it.

How BuySure works

Your cart, your rules, your Shopify admin.

Shoppers add BuySure Checkout in your cart. Claims are filed on your branded claim page with a photo. BuySure AI reads the evidence, scores the risk and resolves qualifying claims under your limit; the rest go to BuySure review or your team. Every outcome is a refund, replacement order or store credit created in Shopify.

  • Seven claim types, photo required on every one
  • Risk score 0 to 100 before a person looks
  • Tracking, returns and rewards in the same app
Point by point

BuySure and Navidium on eleven points.

BuySureNavidium
Who funds the claims
BuySureShoppers who add BuySure Checkout fund the claims. The merchant sets the percentage of the cart.
NavidiumShoppers pay the protection fee; the merchant keeps it.
Who decides the claim
BuySureBuySure AI resolves qualifying claims under the merchant's auto-approve limit. The rest go to BuySure review or the merchant's own team, with a risk score attached.
NavidiumThe merchant's team reviews and resolves every claim in the Navidium portal.
Claim types
BuySureSeven: stuck in transit, damaged, stolen, missing items, wrong item, quality issue, returned to sender.
NavidiumWhatever the merchant chooses to cover; Navidium does not adjudicate.
AI and risk
BuySureReads the evidence, checks the proof of delivery, matches order and tracking, scores customer risk 0 to 100, drafts the reply, works out the amount.
NavidiumNot described as an AI claims product.
Outcomes
BuySureShopify refund, Shopify replacement order, or store credit with an optional bonus. All created as Shopify records.
NavidiumOne-click refunds and reorders from the portal.
Merchant fee
BuySureA plan subscription for the platform. Shopper protection fees fund the claims.
NavidiumMonthly subscription tiers by order volume, with a free tier.
Merchant share
BuySureMerchant share of protection fees and cashback contribution are set by plan.
NavidiumMerchant keeps all protection fees.
Tracking
BuySureBranded tracking page with live carrier events and the proof-of-delivery photo. Custom tracking portal as an add-on.
NavidiumTracking and other upsell features are offered in its suite.
Returns
BuySureReturn rules, prepaid labels, tracked back, refund or exchange on arrival.
NavidiumNot the core product.
Rewards
BuySureCashback on protected orders and a store-credit bonus, issued as Shopify discount codes.
NavidiumNone described.
Platform
BuySureShopify and Shopify Plus.
NavidiumShopify.
Which one

Pick the one that fits how you want claims to run.

Pick Navidium if

You have a small claim volume, someone who is happy to review each one, and you want the simplest possible fee model with no one else involved.

Pick BuySure if

You are past the point where a person can read every claim. BuySure AI reads the evidence, scores the risk and resolves the low-risk ones inside your limit, and your team only sees the claims that need a human. Same shopper-funded fee, far fewer hours.

Switching

Moving from Navidium to BuySure takes an afternoon.

Install BuySure

Connect your Shopify store, pick a plan, name your protection product. BuySure creates the product and the theme block.

Set your rules

Claim window, waiting period, auto-approve limit, review path, cashback and branding. Start the limit low.

Switch the offer, keep Navidium claims open

Orders placed after the switch are protected by BuySure. Open Navidium claims finish with Navidium.

Read a month of decisions

Every auto-approved claim is on the timeline with its score. Raise the limit when you trust it.

Questions

BuySure or Navidium: what merchants ask.

Do I keep the protection fee with BuySure like I do with Navidium?

A plan-set share of it. BuySure protection fees fund the claims and the merchant keeps a share defined by the plan; Navidium passes the whole fee to the merchant and leaves the merchant to fund and work every claim.

Can BuySure run fully manual like Navidium?

Yes. Set the auto-approve toggle off and every claim lands in your queue with the AI risk score and recommendation attached. Turn automation on when you trust it.

Is BuySure an insurer?

No. Like Navidium, BuySure is not an insurance company and does not underwrite. It is a protection product in your cart plus a claims platform with AI review.

Build a better post-purchase experience with BuySure.

Protection at checkout, claims in one place, resolutions carried out in Shopify. Set up in an afternoon.