Introducing the Chargeflow Data Lab

Every merchant sees only its own chargebacks. Chargeflow sees them across 20,000+ merchants. Starting today, the Chargeflow Data Lab publishes what that view shows us.

We built Chargeflow on one idea: when merchants deliver, the revenue they've earned should stay theirs. We've pursued it by giving every merchant, whatever their size, technology that used to be out of reach, most recently Prevent 2.0. Now we're doing the same with what we know.

What our network sees

Everything we build runs on Chargeflow Network Intelligence, the largest chargeback and friendly fraud intelligence network in the industry.

No single business has that view. Every merchant, even the largest retailer with its own fraud team, sees only its own disputes. Payment providers, platforms and agencies each see a slice. The patterns behind fraud and chargebacks only show up across thousands of stores at once.

Why we're publishing what we find

Until today, those patterns worked quietly inside our products, flagging an order here, winning a case there. The Data Lab puts them on the page, for anyone to read and plan with.

A merchant who knows holiday chargebacks peak in January, not at Black Friday, can keep the team in place for them. One who knows that one in three Black Friday chargebacks says “never arrived” can have proof of delivery ready. And our partners, the payment providers, platforms and agencies that serve merchants every day, can send one report to every merchant they serve, before peak season starts.

Every report shows its method. We count disputes, not orders, so “one in three” means one in three chargebacks, not one in three orders. We report what the data supports and leave out what it doesn't.

Our first reports: peak season 2026

The first edition draws on a study of about three million disputes across the last three peak seasons.

More reports will follow, held to the same standard.

When everyone works from the same facts, the bad actors lose their edge. Disputes get answered with the right evidence, and more of the revenue merchants earn stays with them.

Read the reports, share them with your team and your partners, and plan peak season with the whole picture.