Chargeflow's editorial team

Chargeflow Experts is the byline for Chargeflow's research into chargeback, fraud, and payments: vendor-vs-vendor comparisons, best-of roundups, and top-tool lists built from hands-on evaluation of features, pricing, and integrations, alongside explainers on how chargebacks and disputes work, platform and pricing guides, and B2B and cross-border payments coverage, not recycled vendor copy. Each article is grounded in deep, practical knowledge of how chargebacks, fraud, and disputes actually work for e-commerce and B2B merchants, so the guidance reflects real-world fit rather than surface-level research.

Felix Milshtein is Chargeflow's Head of SEO and GEO, leading organic search and generative engine optimization for chargeflow.io. He owns the technical SEO, content strategy, and AI visibility work behind getting Chargeflow's chargeback and dispute resolution content found on Google and cited in AI answers across ChatGPT, Perplexity, and Google AI Overviews. Felix built his instincts working inside some of the most competitive, high stakes industries in digital marketing. He started as an independent SEO and affiliate marketing consultant, then led the SEO team at Digitouch, before running search for 888holdings' casino and bingo properties, including 888casino.com and 888casino.it, going head to head with some of the best funded SEO teams in the iGaming industry. From there he moved into Verbit.ai and vcita, bringing that same competitive edge to SaaS. That path through affiliate marketing, iGaming, and SaaS makes Felix a seasoned SEO veteran who treats search as a constantly shifting battlefield rather than a checklist. He's known for out of the box thinking and unconventional plays that work when the obvious tactics fall flat.

Jon Burg is Chargeflow's Head of GTM Strategy and Product Marketing, where he shapes how the company positions its AI-powered chargeback automation platform to ecommerce merchants and payment teams, and builds the go-to-market motion behind new product launches. Jon brings roughly two decades of marketing and go-to-market leadership across martech and mobile-growth companies. Most recently he spent over four years in marketing strategy leadership at TechSee, a visual-AI remote-assistance company, after four years as Global Marketing Director at Bringg, a delivery and fulfillment orchestration platform. Before that, he was Head of Product Marketing at AppsFlyer for three years, helping scale the company's product marketing during a high-growth period in mobile attribution and appearing on industry podcasts and speaking at events such as the Mobile Monetization Summit. Earlier in his career, Jon held marketing and product roles at Kampyle and Conduit, was Director of Consumer Marketing at Champions Oncology, and worked agency-side in emerging-channel and social strategy roles at Digitas and Publicis Groupe/VivaKi, following early media-planning experience at Mindshare. He holds a B.A. in Marketing Management from Lander College. That arc - from early digital-media planning and agency strategy through product marketing at high-growth martech and mobile-attribution companies including AppsFlyer, Bringg, and TechSee - gives Jon a full-funnel view of go-to-market: positioning, messaging, and the operational mechanics of launching and marketing a product at scale. At Chargeflow he applies that background to GTM and product-marketing strategy for chargeback automation, writing for merchants and finance teams about how to position and sell dispute-recovery tools.

Shahaf Rabi is Chargeflow's Sr. Analytics Manager, where he leads risk and data analytics for the company's AI-powered chargeback automation platform. He works across chargeback and dispute data to surface the patterns behind win rates, fraud signals, and seasonal spikes, and turns those findings into product and risk decisions for Chargeflow's merchant base. He writes for the Chargeflow blog on chargeback timing and root-cause analysis, including a look at how a merchant's September chargeback spike is typically set in motion months earlier, in July. Before joining Chargeflow, Shahaf worked as a Data Analyst at an early-stage startup and as a Full Stack Product Analyst at Firefly. Earlier, he was a Senior Research Analyst at Justt, a chargeback dispute-automation company, where he worked directly with dispute and fraud data - experience that carried straight into his current risk-analytics role at Chargeflow. Shahaf's earlier career was in research and intelligence analysis rather than ecommerce. He was the founding director of the Israeli Center for the Study of Targeted Killing, an OSINT researcher affiliated with UMass Dartmouth, and a research assistant at the International Institute for Counter-Terrorism (ICT). In the Israel Defense Forces he served as a Junior Product Manager and Deputy Combat Intelligence Officer, after starting his service as a combat engineer in an NBC unit. He holds a bachelor's degree from Reichman University. That combination - open-source and intelligence research methods, hands-on dispute analytics at Justt, and now risk analytics inside Chargeflow's own chargeback platform - gives Shahaf's writing a data-first, pattern-detection lens: he treats chargebacks as a trailing signal of decisions made weeks or months earlier, and writes accordingly for merchants and finance teams trying to get ahead of them.

Yuval Ben-Ami is the Head of Product at Chargeflow, where he leads product vision, strategy, and execution for the AI-powered chargeback automation platform serving 20,000+ ecommerce merchants. He joined Chargeflow in June 2022 as a Product Manager and was promoted from PM to Product Lead to Head of Product, reaching the head-of-function role within roughly two years - a progression corroborated across LinkedIn, TheOrg, and ZoomInfo. Yuval's product DNA started in the Israel Defense Forces, where he served in the Israeli Navy as a Naval Weapons Officer and Deputy Team Leader, and held a formal Product Manager role inside the IDF. That military PM foundation gave him operational product experience well before his civilian career. He went on to lead Sales and then Customer Service & Project Management at Indigo, an Israeli retail chain, before moving into fintech. At Chargeflow he drives the roadmap across the company's machine learning and generative AI systems that automatically assemble chargeback evidence, the platform's payments-API integrations (Stripe, WooCommerce, Shopify and adjacent ecosystems), and the merchant-facing tooling that lets ecommerce teams protect revenue without operating a dispute department. He authored the launch announcement for Chargeflow's WooCommerce plugin and writes for Chargeflow's blog on dispute workflows, integrations, and product strategy. He holds a B.Sc. in Computer Science and Business Management from The Open University of Israel. Yuval writes about chargeback automation, payments-API integrations, generative AI applied to dispute evidence, and B2B SaaS product strategy. His primary audience is ecommerce founders, payment ops leaders, and finance teams managing disputes.

Ben Herut is the Chief of Staff at Chargeflow, where he operates as a direct partner to the CEO and drives cross-company execution across GTM, product, and operations. His remit spans the connective tissue of the business - translating strategy into shipped outcomes, aligning go-to-market and product motions around the company's biggest bets, and making sure the operational mechanics behind Chargeflow's automated dispute and prevention products keep pace with how fast the team is moving. Risk and payments expertise is the foundation he brings to the role, but the work itself is now company-wide. Ben's path through the payments stack is unusually full-spectrum, with more than a decade of fintech experience across the issuer, processor, and merchant-side of the dispute lifecycle. He led Card Disputes and Card Fraud Prevention at N26, the European neobank, where he worked the issuer side of chargebacks and first-party misuse. He then moved to Payoneer as Chargeback and AML Lead, building and leading the team that handled the most complex payments and risk scenarios across Payoneer's cross-border merchant base. Before Chargeflow, Ben held senior roles at Justt and served as AML Officer and Chief Risk Officer at iLegends. Having sat on multiple sides of the dispute table - issuer, processor and AML, and now risk and operations leadership at Chargeflow - gives him an uncommonly grounded read on what actually moves win rates and what is marketing noise. Ben is an active industry voice. He serves on the Merchant Risk Council (MRC) Certification Committee and the MRC Fraud Committee, mentors practitioners through the MRC mentor program, and has been recognized as one of the top 5 MRC contributors for his work shaping professional standards in payments and fraud. He is a monthly columnist for FraudBeat - recently recognized as a BONA FIDE columnist by Muckrack after Muckrack credentialed FraudBeat as a legitimate media outlet - and has made three to four podcast appearances over the past year on chargebacks, fraud, and AI in payments, including 'Taming Chargebacks With Real AI Agentics' on the Payments Experts Podcast (Nov 2025). At Chargeflow, Ben writes and speaks on the topics he has operated on directly: Visa Compelling Evidence 3.0 qualification, issuer-initiated chargebacks, the agentic-commerce fraud gap, and the gap between legacy rule-based fraud tools and the post-purchase intelligence merchants now need. He is also a frequent voice for Chargeflow on LinkedIn, publishing posts under the Chargeflow brand that translate hard-won operator lessons into practical guidance for risk, finance, and merchant teams. Readers come to his bylines for clear, operator-grade takes on how disputes, fraud, and agentic commerce are reshaping what it means to actually get paid.

Dan Moshkovich is the VP of Marketing at Chargeflow, where he leads a marketing team of eight on a seven-figure budget driving demand, content, and category leadership for the AI-powered chargeback automation platform. He has been with Chargeflow since September 2023 and is based in Toronto, Canada. Dan brings 15+ years of B2B SaaS marketing experience, more than a decade of which has been concentrated in the fintech and fraud-prevention category. Before Chargeflow he was Marketing Director at Justt.ai, VP of Marketing at VirtaMove, Marketing Director at HubStor (acquired by Veritas Technologies), and Marketing Director at Riskified during its pre-IPO era; Riskified later IPO'd at roughly a $4B valuation. Across that arc he has been a marketing leader through three startup outcomes - two acquisitions and one IPO. He is also the founder of Applied Logic Marketing Solutions, his B2B marketing consultancy. Dan is the published author of 'B2B Startup Marketing: A Practical Guide: How to Build Your B2B Marketing Operation from the Ground Up' (Feb 2023), a practitioner playbook for building a B2B marketing function from zero. He is a guest on The Payments Show podcast (Ep. 87, March 2024, 'Navigating the Chargeback Storm'), hosts segments of Chargeflow's Grow With The Flow podcast, and represents Chargeflow at industry events including Money 20/20 USA and MRC Vegas. He has been featured in Financial Promoter's 'US Hot 100' for fintech marketing leadership. Dan writes about fintech demand generation, fraud-prevention category marketing, content and SEO strategy, and how to build a B2B marketing operation that actually compounds. His perspective is practitioner-first - the systems he describes are the same ones he has built and run.

Avia Chen is the Co-Founder and Chief Marketing Officer of Chargeflow, the AI-powered, fully automated chargeback management platform now serving more than 20,000 merchants including Miro, Huel, Fanatics, and Sweetgreen. Together with his brother Ariel, Avia raised Chargeflow's $35M Series A in November 2025 (bringing total funding to $49M) to accelerate the company's friendly-fraud prevention roadmap. Avia's expertise didn't start in fintech — it started as the merchant on the other side of the chargeback. He and Ariel previously co-founded Babe Cosmetics, a cruelty-free beauty brand they grew to millions of dollars in monthly transaction volume before selling it to focus on Chargeflow. The chargeback losses they experienced firsthand at Babe — and the lack of any usable third-party solution — became the founding insight behind Chargeflow. At Chargeflow, Avia leads product and marketing strategy and hosts the 'Ask Avia' interview series, where he unpacks chargeback trends, customer-experience strategy, and ecommerce growth playbooks with operators and founders. He writes about the topics he's lived through as a merchant: scaling a DTC brand, defending revenue from disputes, and using AI to automate post-purchase operations. Readers can trust Avia's perspective because it's grounded in operating experience, not theory — he has personally absorbed the cost of friendly fraud, then built the system designed to stop it.

Ariel Chen is the Co-Founder and CEO of Chargeflow, the AI-powered chargeback automation platform that has recovered over $100M in disputed revenue for more than 20,000 merchants including Miro, Huel, Fanatics, and Sweetgreen. An Israeli-American entrepreneur based in Jerusalem, Ariel has spent more than a decade building at the intersection of e-commerce, payments, and fraud prevention. Ariel's path to fintech started early. Before Chargeflow, he co-founded Babe Cosmetics with his brother Avia Chen, scaling the cruelty-free beauty brand to millions of dollars in transaction volume before its acquisition. It was inside Babe Cosmetics that the brothers experienced firsthand the chargeback crisis that costs merchants billions every year, an insight that became the seed for Chargeflow in 2021. Earlier in his career, Ariel served as Chief Operating Officer at MasterPos, leading merchant services and technical support functions, and as a Senior Core Network Engineer in Israeli Military Intelligence, where he built deep technical expertise in large-scale systems. At Chargeflow, Ariel has led the company through $14M in seed funding (announced August 2023, led by OpenView Venture Partners) and a $35M Series A in November 2025 led by Viola Growth with participation from OpenView, Journey Ventures, and former SafeCharge CEO David Avgi, bringing total capital raised to $49M. He sets product direction for the company's machine learning and generative AI systems that automatically compile evidence, enrich merchant data, and learn from millions of resolved disputes, delivering up to an 80% success rate against friendly fraud. Ariel writes and speaks about chargeback automation, friendly fraud, AI in payments, and the operational realities of running an e-commerce business under post-purchase fraud pressure. His perspective is grounded in having lived the problem as a merchant before building the solution as an operator.

Ayala Levi is the General Manager of the Chargeflow Alerts business unit, where she owns the P&L, product roadmap, and card-network partnerships for Chargeflow's pre-dispute deflection product. Chargeflow Alerts plugs merchants into the Verifi RDR, Verifi CDRN, and Ethoca rails so chargebacks are resolved before they hit the merchant's dispute queue, and Ayala is the business owner running that operation end-to-end. Ayala brings an unusual operator profile to a payments-network product. She is a licensed Israeli attorney (Israel Bar Association) with an LL.B. from The College of Management - Academic Studies in Tel Aviv, and she practiced as an advocate at Shibolet & Co., one of Israel's top-tier corporate law firms. From there she moved into fintech as Operations & Legal Lead at Simetria, where she ran ops, legal and regulatory, budget, partner agreements, HR, and led the implementation of the company's ISO information-security-management program working directly with the CEO, CTO and CPO. At Chargeflow she first led Finance Operations before being elevated to GM of the Alerts business unit. Her legal-plus-operations-plus-finance background shapes how Chargeflow handles Visa and Mastercard contracts, Verifi and Ethoca commercial terms, and the compliance posture of a product that sits on top of the card networks themselves. She also served as an Operational Intelligence Officer in the Israeli Air Force. Readers can trust Ayala's perspective on pre-dispute alerts because she is the operator running the product against the actual Verifi and Ethoca rails, with the legal and compliance fluency to interpret what the network rules really allow.

Frank Frantz is the Director of Strategic Sales & Partnerships at Chargeflow, where he leads enterprise sales motions and strategic partner relationships in financial services and ecommerce. He brings over 15 years of experience working across financial services and joined Chargeflow during its NYC expansion and Series A growth phase. He posts regularly on LinkedIn about fraud prevention, chargebacks, and the Chargeflow Prevent product.

Itamar Argaman is the Head of Sales and Business Development at Chargeflow, the AI-powered chargeback automation platform for ecommerce merchants. Since joining the company in May 2022, he has built and scaled the global sales organization, designed the go-to-market motion across the US, UK, and EU, and partnered with hundreds of Shopify, BigCommerce, WooCommerce, and PayPal-first merchants to fight credit card disputes through automation. Itamar brings more than a decade of B2B fintech sales experience to the role, with deep specialization in online payments, fraud prevention, risk, and ecommerce. Before Chargeflow, he was a Business Account Manager at RealDeposits (April 2020 to May 2022), where he advised merchants on payment infrastructure and acquiring solutions for high-risk and high-volume verticals including ecommerce, retail, and travel. That hands-on payments background informs how he thinks about the chargeback lifecycle today: not as a back-office cost line, but as a recoverable revenue stream. At Chargeflow, Itamar leads sales strategy, partnerships, and global team development. He has personally talked with thousands of merchants and online business owners about dispute economics, win-rate optimization, and the operational cost of manual chargeback handling - insights he distills into Chargeflow's blog, case studies (including the Wordtune x Chargeflow case study), and partner enablement materials. His writing focuses on chargeback automation, fraud defense, partnership strategy, and the business case for offloading disputes to AI. Based in Israel, Itamar is an active LinkedIn voice in the chargeback, Shopify, and payments communities. He has contributed thought leadership content on Chargeflow's blog including 'Beyond Fraud Defense: Exploring the Essential Role of Chargeback Automation in eCommerce Strategy.'