Ariel Chen

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.