Why This Year Was Different

Every Year in Review really boils down to one question:

What changed?

In 2025, the answer wasn’t incremental.

Chargebacks didn’t disappear. Friendly fraud didn’t magically go away. But for the first time, merchants stopped treating losses as unavoidable and started operating with leverage. 

This was the year the conversation shifted from reacting to preventing. 

Driven by merchants who refused to play by the old rules. 

The result? Keep reading.

Market Impact

The Year Merchants Took Back Control

More disputes.

More friendly fraud. 

More merchants are being told to accept losses as “just how it works.”

But we didn’t.

This was the year merchants stopped playing defense.

Across the Chargeflow network, merchants didn’t just fight disputes.

What made these numbers meaningful wasn’t volume alone. 

It was consistency. 

What made these numbers meaningful wasn’t volume alone. 

It was consistency. 

As friendly fraud overtook traditional fraud as the dominant cause of disputes, merchants needed systems that could recognize patterns and respond automatically. 2025 was the year that stopped being theoretical. 

This wasn’t an incremental improvement. 

It was a shift in leverage.

Product Highlights

From Recovery to Prevention

For years, the industry treated chargebacks as something you deal with after the damage is done. 

Recovery mattered. And it worked. 

Chargeflow was built to prove that disputes don’t have to be a sunk cost. Automation, data, and evidence could materially change outcomes. By 2025, that belief was no longer theoretical. 

But this year made something else clear.

Recovery alone wasn’t enough.

Friendly fraud doesn’t happen at checkout. 

It happens after. 

After fulfillment. 

After delivery. 

After a customer forgets, hesitates, or chooses the fastest path to a refund. 

That insight shaped everything that came next.

Chargeflow Prevent: The First Friendly Fraud Prevention Solution

In late 2025, we launched Chargeflow Prevent, the world’s first solution built specifically to stop friendly fraud, not just react to it. 

Prevent operates post-purchase, where friendly fraud actually lives, and before a dispute ever reaches a bank. Instead of waiting for a chargeback to appear, merchants can make informed decisions earlier in the lifecycle. 

In its first few months in production alone, Prevent analyzed millions of transactions, helping merchants:

• Confidently approve legitimate orders
• Identified and blocked thousands of known repeat abusers
• Reduce reships, refunds, and downstream disputes

Expanding the Chargeflow Platform

Alongside Prevent, we also launched Chargeflow Connect, embedding Chargeflow directly into platform payment ecosystems. 

Connect brought Chargeflow closer to where decisions are made, reducing friction between payments, data, and dispute workflows. These launches expanded Chargeflow from dispute recovery into proactive fraud defense, while bringing risk decisions closer to payments and data.  

Company Momentum

Built for What Comes Next

This shift didn’t happen in isolation. 

Behind the product breakthroughs was a year of real momentum across the company.

In 2025:

• $35M Series A raised
• Expansion into enterprise accounts, including Fanatics, Calendly, Crunchbase, and Sweetgreen
• New offices opened in Israel and New York
• 62 new team members hired globally, with continued growth across teams
• New logos added across both mid-market and enterprise segments

Growth meant building the infrastructure required to support merchants operating at scale across regions, payment methods, and risk profiles. 

In 2025, Chargeflow reached a new stage of maturity. 

The company expanded its footprint, customer base, and internal capabilities intentionally. As merchants scaled their operations and faced increasingly complex risk environments, Chargeflow scaled alongside them. 

What that meant in practice was focus. On reliability. In-depth. On building systems that could support long-term prevention, not just short-term recovery.

Trust & Advocacy

Proof, Not Promises

Impact is most evident in customer behavior. 

In 2025, trust showed up in real, visible ways.

• $800K recovered for Fanatics, leading to their first-ever video testimonial
• 265 G2 and Shopify reviews, representing a 246% year-over-year increase

These weren’t driven by campaigns or incentives. They reflected something more fundamental: consistent outcomes, delivered quietly, at scale. 

As friendly fraud became harder to spot and more costly to ignore, merchants looked for partners they could rely on. The response spoke for itself.

When merchants stop explaining chargebacks and start recommending solutions, the message is clear. 

What This Year Made Clear

Chargebacks aren’t inevitable.
Friendly fraud isn’t invisible.
And prevention isn’t optional anymore.

2025 was the year those truths became impossible to ignore.
Driven by merchants who refused to play by the old rules.
We wrapped it all up.
The data. The changes. The results. 

And this is just the beginning.

Ready to move from recovery to prevention?

Explore how Chargeflow Prevent helps merchants stop friendly fraud before it becomes a chargeback.