Today, we’re thrilled to share a major milestone: Chargeflow has raised a $35M Series A, led by Viola Growth, with participation from OpenView Venture Partners, Journey Ventures, and world-class angels, including David Avgi, former CEO of SafeCharge.

The round includes a $10M debt facility, bringing our total funding to $49M.

This new capital accelerates our mission to solve one of the most complex and painful problems in commerce: friendly fraud. It will fuel global expansion, deepen our partnerships with enterprise merchants and payment platforms, and power the development of Chargeflow Prevent - the first-ever friendly-fraud prevention solution.

Our Momentum

In the last year, our revenue tripled and our customer base doubled.

Today, Chargeflow protects 15,000+ businesses, including Miro, Huel, Fanatics, HexClad, Sweetgreen, Crunchbase, WHOOP, and Elementor, and has helped recover over $100M in disputed revenue.

But this journey didn’t begin with a pitch deck. It began with pain.

At our previous company, Avia and I built a fast-growing global beauty brand with a subscription box loved by hundreds of thousands of customers. And then the chargebacks hit.

Not the criminal kind - the sneaky kind.
A tap inside a banking app.
A “didn’t receive.”
A forgotten subscription.

Friendly fraud. Digital shoplifting.

We searched everywhere for a solution that could automate the chaos, offer transparency, prevent misuse, and protect our margins. Nothing existed. So we sold that brand and built what we desperately needed.

That became Chargeflow - built to protect fellow entrepreneurs and enterprise merchants everywhere.

Why Now

Chargebacks are exploding. Mastercard projects a 24% increase in global disputes from 2025–2028, reaching 324 million chargebacks per year. Up to 75% of these are first-party misuse.

At the same time, e-commerce continues its rapid climb toward $7.4T in annual sales.

The world doesn’t need another “dispute tool.” It needs a full reinvention of how chargebacks and post-purchase operations work - not just fighting disputes, but preventing them, and automating everything else.

Our Vision

We imagine a world where chargebacks no longer drain revenue, time, or sanity. A world where disputes are prevented before they begin, where abusive behavior is detected early, and where every workflow - evidence generation, response creation, and risk or transaction analysis - is automated with fairness and transparency.

Chargebacks shouldn’t feel like a tax on growth. They should be predictable, instant, and effortless.

This is the future Chargeflow is building.

Introducing ChargebackOS

ChargebackOS is the new post-purchase operating system for digital commerce - a unified, live, end-to-end ecosystem that brings prevention, recovery, and protection into one intelligent platform.

It’s built around five pillars:

 1. Prevent — Proactive Post-Purchase Protection

Our AI-driven models and network of 15,000+ businesses identify first-party misuse, post-purchase fraud, and abusive behavior immediately after checkout, giving merchants the power to resolve friction instantly and automatically - long before it becomes a chargeback or refund request.

2. Automation — Chargeback Recovery

Powered by a domain-specific Agentic AI workflow, Chargeflow automatically fetches disputes, enriches them with data, builds structured responses, corrects errors, and submits compelling evidence — all while learning from millions of past cases to maximize win rates with zero manual work.

3. Alerts — Chargeback Ratio

Alerts integrates with issuers through the card schemes network, to deliver near-real-time dispute resolution, enabling instant reaction on threats, preventing mass chargebacks from being created, and intelligently deciding when to refund or fight - reducing chargeback ratio risk and increasing recovered revenue.

4. Insights — Transparency is Free, Forever

An AI-powered dashboard that unifies data across 50+ payment providers, exposes operational blind spots, and surfaces early warning signals before they turn into disputes. Insights is evolving into a predictive command center that proactively highlights trends and emerging issues before they impact revenue.

5. Connect — For PSPs, MoRs & Platforms

A plug-and-play API layer that allows payment providers to embed Chargeflow’s Prevent, Automation, Alerts, and Insights directly into their products - enabling them to deliver full chargeback automation to every merchant they serve.

This year alone, we shipped 30+ new integrations, including the industry’s first AI-powered automated customer communication analysis for Gmail, Zendesk, and Gorgias - plus new partnerships with WooCommerce, Airwallex, and more.

Real Impact

Enterprise merchants are already seeing transformational results: more recovered revenue, fewer chargebacks, lower operational risk, reduced costs, happier customers, and stronger margins.

Take Fanatics - one of the world’s largest sports merchandise brands - which partnered with Chargeflow to modernize its dispute operations. Within just a few months, we recovered $800,000+ in disputed revenue and more than doubled their win rates.

This is what automation at enterprise scale looks like.

The Next Leap

We’re building the new operating system for modern commerce - and ChargebackOS is only the first layer. There is far more under the hood than we can reveal today, but our upcoming Digital Commerce Agents lay the groundwork for the next generation of post-purchase infrastructure.

These agents represent a major leap forward: AI systems that work alongside merchant teams, operating 24/7, monitoring risk in real time, detecting emerging fraud patterns, and taking action instantly. Powered by ML, Gen-AI, and advanced transformer models, they understand intent, context, and behavior at a depth traditional systems can’t match.

A new era of fraud prevention and autonomous dispute resolution is on the horizon.

Stay close - the future we’re building at Chargeflow is just beginning.

Thank you for being part of this journey.

We couldn’t be more excited for what comes next.

-- Ariel & Avia, and the Chargeflow crew.‍