Itamar Argaman
Table of contents

Hey, I'm Itamar Argaman, leading Global Sales at Chargeflow. Along my journey in the eCommerce world, I've been fortunate to connect with many of you - hearing your stories, feeling the challenges you face, and the dreams you chase. It's become abundantly clear that fraud and chargebacks are not just minor inconveniences; they're significant barriers that we must confront together. My experiences have also highlighted the intricate relationship between these issues, especially in the dynamic landscape we find ourselves in today. Moreover, I've seen how vital chargeback automation has become, not just as a defensive measure, but as a cornerstone for merchant protection and empowerment in navigating these challenges.

Understanding the Evolution of Fraud and Chargebacks

I’ve witnessed firsthand the evolution of fraud within the eCommerce space. The source of friendly fraud, a phenomenon where customers dispute legitimate charges, has particularly caught many businesses off-guard. The issue with this type of fraud is it's less about stolen card details and more about buyer's remorse or exploitation of return policies. As a result, there has been a need to reevaluate traditional fraud protection measures.

Addressing the Real Challenges in eCommerce

What I’ve learned from talking to many merchants is that they often turn to fraud protection as their main defense against losing money and dealing with security problems. While this is important, they sometimes miss out on bigger issues that could be stopping their company from doing better. For example, focusing too much on stopping unauthorized transactions can mean they don't pay enough attention to chargebacks and unhappy customers.

Chargebacks, especially the kind called ‘Friendly Fraud,’ are a big problem that's often misunderstood. Friendly Fraud happens when customers dispute charges they actually approved, often because of confusion, regret, or being unhappy with a product or service. According to our State of Chargebacks Report, friendly fraud makes up 88.49% of chargebacks, which is about 8 out of 10 cases. This shows most chargeback problems come from issues with customers.

It's key to understand that this kind of fraud isn't like a security breach or someone making unauthorized transactions. So, when merchants rely only on fraud protection services for complete safety, they find these services don't fully address the complexities of chargebacks and customer dissatisfaction. This can lead to misuse of the chargeback process without meaning to.

To overcome these challenges, it's necessary to broaden and improve how fraud protection is used. This means that fraud protection should not just protect but rather look to enhance the way businesses operate in the digital marketplace. 

Embracing Chargeback Automation: A Solution for Modern eCommerce Challenges

My "aha" moment came when I looked closely at the chargeback problems a well-known brand was facing. Even though they used Shopify Protect, it wasn’t enough. I asked if I could investigate, and I discovered something shocking. Out of $450,000 in chargebacks, only about 4-5% were actual theft. Most problems were due to confusion about subscription policies and difficulties in unsubscribing.

This highlights the need for a delicate approach to chargeback management, requiring more than conventional fraud protection measures.  

The main point here is that chargeback automation can really help solve the root causes of chargebacks. For the merchant with a lot of chargebacks, automating how these disputes are managed could make a big difference. Not only could it lower the number of unfair chargebacks, but it could also make the overall customer experience better by ensuring clearer communication and easier interactions.

By focusing on the real reasons for chargebacks and using automation to solve them, merchants can protect their income and provide a better shopping experience for their customers. This strategy benefits everyone.

Through this process, Chargeflow’s method of automating chargeback responses was eye-opening. It wasn't just about handling disputes automatically; it was about understanding the deeper issues behind each chargeback.

Unlocking the Transformative Power of Insights

Chargeflow's approach to chargeback automation was eye-opening. It wasn't only about dealing with disputes automatically; it was mostly about finding out the real reasons behind each chargeback. This process did more than just help get money back; it showed us a lot about how customers act, how happy they are with products, and where our operations might be getting stuck. Getting to the bottom of these issues was key to reducing chargebacks and making customers happier and more loyal.

Conclusion: A Call to Action from Experience

Reflecting on these experiences, it's clear that the path to eCommerce resilience extends beyond mere fraud protection. The integration of chargeback automation, as epitomized by Chargeflow, represents a holistic strategy that empowers merchants with the knowledge and tools to address the multi-faceted nature of chargebacks. My journey has taught me that true security in eCommerce isn't just about guarding against threats—it's about understanding and adapting to the ever-changing landscape of consumer behavior.

In sharing my story, I hope to illuminate the path for fellow merchants navigating the complex waters of eCommerce. Chargeback automation isn't just a tool; it's an essential ally in the quest for a more secure, insightful, and profitable business model.

About the Author: Itamar Argaman

Itamar Argaman is driven by a passion for innovation and teamwork, with a strong background in Fintech, especially in areas like online payments, fraud prevention, and eCommerce. With over ten years of experience in B2B sales, Itamar has honed his skills in developing sales strategies and leading global teams. He currently leads the business development department at Chargeflow, where he focuses on tackling e-commerce challenges, such as credit card disputes, through advanced AI automation.


Average Dispute Amount
Average Dispute Amount
# Disputes Per Month
# Disputes Per Month
Time Spent Per Dispute
Time Spent Per Dispute
You could recover
$500,000 and save
1,000 hours every month with Chargeflow!
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Want to learn how Chargeflow can recover more money for you? Sign up and get a free dispute analysis

Related Articles

What's Chargeflow?

Try it for free

Full Dispute Automation

No more manual work, Chargeflow fully-automates your dispute process from A to Z.

Simple Integrations

We use official and secure API's from our approved partners. We also made it extremely easy to connect.


You get charged only when we help settle a dispute in your favor.


ChargeResponse® uses smart algorithms to generate the most comprehensive evidence response, with industry-leading recovery rates.


ChargeScore® uses proprietary algorithms to determine the chance of recovering each dispute.

Actionable Analytics

In-depth disputes statistics at your fingertips.

Built for eCommerce

Made by DTC Entrepreneurs, for DTC Entrepreneurs.


OAuth 2.0, 128 Bit SSL, secure data encryption, official, secure API's. We have them all, and more.

Get Started with Chargeflow

Chargeflow helps you focus on your business without the burden of disputes, chargebacks and fraud holding you back.

With a fully-featured, automated dispute management solution that offers flexible workflows and unique features such as ChargeScore®, ChargeResponse®, along with our ROI guarantee and actionable analytics, all of your dispute needs are met in one simple platform.