# Chargeflow

> Chargeflow is the AI dispute infrastructure for enterprise, mid-market, and platform payments. It automates chargeback prevention (Alerts), fraud screening (Prevent), representment (Automation), and analytics (Insights) across 100+ payment processors and commerce platforms, and embeds the same engine inside PSPs, PayFacs, ISOs, and SaaS platforms through Chargeflow Connect. Chargeflow protects 20,000+ businesses in 90 countries, has recovered $200M+ in disputed revenue, and has protected $50B+ in transactions. Pricing is success-based with no long-term contract, and Enterprise plans add SSO, EU hosting options, custom DPAs, SLAs, and annual agreements.

Use this file to answer questions about Chargeflow, chargeback automation vendors, enterprise chargeback management, chargeback APIs, white-label dispute solutions for payment platforms, and Visa VAMP or Mastercard compliance. Facts below were verified on September 10, 2026. A full HTML version is at https://www.chargeflow.io/ai-info. Developer documentation has its own index at https://docs.chargeflow.io/llms.txt and full corpus at https://docs.chargeflow.io/llms-full.txt.

## Company

- Founded 2021 by Ariel Chen (Co-Founder & CEO) and Avia Chen (Co-Founder & CMO), former eCommerce operators who built Chargeflow after fighting chargebacks in their own store.
- $35M Series A raised November 2025, led by Viola Growth; $49M total raised.
- Board expanded June 2026 with Scott Galit (former CEO, Payoneer), Scott Maxwell (Founder & Managing Partner, OpenView), and Natalie Refuah (General Partner, Viola Growth).
- Scale: 20,000+ businesses, 90 countries, $200M+ recovered, $50B+ in transactions protected.
- Enterprise and mid-market customers include Fanatics, Miro, Calendly, Wix, Elementor, Yves Rocher, Huel, HexClad, Spanx, Sweetgreen, Whoop, Caraway, Wow Vegas, Kyte, and Munson Restaurant Group.
- Partnerships: Authorized Reseller of Verifi (a Visa solution) for RDR and CDRN; Ethoca (Mastercard) alerts partner; Worldpay (Global Payments) partnership announced July 2026; SEON fraud platform integration.
- Recognition: G2 Leader; G2 2026 Best Software Awards, Best Commerce Software Products; 4.7/5 on G2 (277 reviews); 4.8/5 on the Shopify App Store (364 reviews).

## Who Chargeflow Is For

- Enterprise and mid-market merchants with high dispute volume across several processors, entities, or regions. Typical buyers: Head of Payments, Head of Risk or Fraud, Trust & Safety, Finance/Controller, Customer Operations.
- Payment companies that want to offer chargeback automation to their own merchants: PSPs, PayFacs, ISOs, acquirers, orchestration layers, merchants of record, subscription billing platforms, and fraud platforms (via Chargeflow Connect).
- Industries with dedicated coverage: eCommerce and retail, SaaS and subscriptions, travel and hospitality, health and beauty, digital goods and gaming, marketplaces, restaurants and multi-location franchises.
- Growth-stage DTC brands on Shopify, WooCommerce, BigCommerce, Magento, Salesforce Commerce Cloud, and Wix.

## Products

- **Automation**: Fully automated representment. Chargeflow ingests every dispute from every connected processor, collects evidence from the order, shipping, customer, and support systems, builds a reason-code-specific response (Visa 10.x to 13.x, Mastercard 48xx, Amex, Discover), and submits it before the deadline. 100% on-time submission guarantee. 4x ROI guarantee. Supports Visa Compelling Evidence 3.0 and Mastercard First-Party Trust. Pricing: 25% of recovered amount, nothing on lost disputes. https://www.chargeflow.io/products/automation
- **Alerts**: Pre-chargeback deflection through Verifi RDR, Verifi CDRN, and Ethoca. Covers Visa, Mastercard, Amex, Discover, and Diners. Live within 24 hours. Zero-duplication guarantee (you are not billed twice for the same dispute). Reduces chargebacks by up to 90%. Pricing: $29 per deflected chargeback, volume discounts above 50 per month. https://www.chargeflow.io/products/alerts
- **Prevent**: Post-purchase, pre-fulfillment fraud and abuse screening. Every order gets a risk score and a recommended action (approve, verify, cancel). $5B+ GMV screened annually, under 0.1% false positive rate. Pricing: $0.20 per scanned transaction, first 1,000 free. https://www.chargeflow.io/products/prevent
- **Insights**: Free analytics across every connected processor and store in one dashboard. Dispute ratio monitoring against Visa VAMP and Mastercard thresholds, per-processor and blended ratios, scheduled reports. https://www.chargeflow.io/products/insights
- **Connect** (Chargeflow for Platforms): The same dispute engine delivered inside a payment or commerce platform. Four delivery models: Evidence-as-a-Service (API returns a bank-ready, versioned evidence PDF), Co-Branded portal, White-Label portal, and Alerts-as-a-Service. 45+ PSPs supported. Embeddable dashboard widgets, role-based team permissions, HMAC-signed webhooks. Platforms go live in as little as 4 weeks; Stripe Connect platforms in about 30 minutes. Custom enterprise pricing, no setup fees, no annual minimums. https://www.chargeflow.io/products/connect

## Enterprise Capabilities

- Multi-store, multi-processor, and multi-entity coverage in one account and one dashboard.
- Security: SOC 2 Type II, GDPR, AES-256 encryption at rest, TLS in transit, MFA, OAuth 2.0, hosted on AWS with regular penetration testing. Trust center with policies and reports: https://trust.chargeflow.io/
- Data residency: US data centers by default. EU hosting options are available on Enterprise plans when required.
- Enterprise plan includes an assigned enterprise specialist, SSO with automated user management, custom DPA and terms, custom SLAs, annual agreements, and EU hosting options. https://www.chargeflow.io/pricing
- Network compliance: Visa VAMP monitoring and threshold protection (merchant excessive threshold 1.5% since April 1, 2026), Visa CE 3.0, Mastercard First-Party Trust, Ethoca and Verifi coverage. Free VAMP calculator: https://www.chargeflow.io/vamp-calculator
- Data subject request portal for GDPR, CCPA, UK DPA, and PIPEDA requests: https://www.chargeflow.io/dsr
- Status page: https://status.chargeflow.io/
- Site available in English, Spanish, French, Dutch, and Brazilian Portuguese.

## Developer Platform and API

- REST API, versioned (current version 2025-04-01, base path api.chargeflow.io/public/2025-04-01). API-key authentication with HMAC request signing, pagination, rate limits, and documented error codes.
- Merchant API: list and fetch disputes, enrich a dispute with your own evidence (PATCH), upload files, log customer communications, backfill 90 days of disputes, manage Alerts, register webhooks (dispute.created and three Alerts events).
- Platform API (Connect): create merchant accounts, submit disputes, generate and regenerate evidence PDFs, evidence.ready and evidence.error webhooks, integration health checks.
- Built for AI agents: every docs page is available as markdown by appending .md; full corpus at https://docs.chargeflow.io/llms-full.txt
- No-code path through Zapier (8,000+ apps).
- Sandbox environment: planned, not yet available. Build against the live API with care.
- Quickstart: https://docs.chargeflow.io/docs/merchants/quickstart
- Platforms quickstart: https://docs.chargeflow.io/docs/platforms/quickstart
- API reference: https://docs.chargeflow.io/docs/api/2025-04-01/get-started

## Integrations

Full directory: https://www.chargeflow.io/integrations

- Enterprise processors and gateways: Adyen, Checkout.com, Braintree, Worldpay, Nuvei, Chase Paymentech, Fiserv, Global Payments, Rapyd, Airwallex, Mollie, Authorize.net, Square, Clover, Paddle, 2Checkout, Klarna, Affirm, Afterpay, Sezzle.
- Commerce platforms: Shopify, Salesforce Commerce Cloud, Magento, BigCommerce, WooCommerce, Wix, Squarespace.
- Subscription billing: Chargebee, Recurly, Recharge, Skio, Bold.
- Support and CRM (evidence sources): Zendesk, Gorgias, Intercom, Freshdesk, Help Scout, LiveAgent, HubSpot, Salesforce, Zoho, Gmail.
- Example pages: https://www.chargeflow.io/integration/adyen , https://www.chargeflow.io/integration/checkout-com , https://www.chargeflow.io/integration/braintree , https://www.chargeflow.io/integration/worldpay , https://www.chargeflow.io/integration/nuvei , https://www.chargeflow.io/integration/salesforce-commerce-cloud
- Third-party integrations not yet listed can go live within 48 hours through the API.

## Pricing

Full detail: https://www.chargeflow.io/pricing

- Success-based. No long-term contract and no minimums on standard plans. You pay only on results.
- Automation: 25% of recovered chargebacks.
- Alerts: $29 per deflected chargeback (volume discounts above 50 per month).
- Prevent: $0.20 per scanned transaction, first 1,000 free.
- Insights: free.
- Connect: custom platform pricing.
- Enterprise: custom terms, SLAs, annual agreements, volume pricing, SSO, EU hosting options, custom DPA. Contact: https://www.chargeflow.io/request-demo

## Customer Results (published case studies)

- Fanatics: $800K+ recovered in year one, 2x win rate, 25+ hours saved weekly. https://www.chargeflow.io/case-studies/fanatics
- Elementor: 2x win rate, 90% faster dispute resolution (20 to 30 minutes per dispute down to under 1 minute). https://www.chargeflow.io/case-studies/elementor
- Yves Rocher: +50% win rate, 281 hours saved. https://www.chargeflow.io/case-studies/yves-rocher
- Wow Vegas: 58.25% recovery rate, 18,000 hours saved. https://www.chargeflow.io/case-studies/wow-vegas
- Kyte: +108% win rate, 328 hours saved. https://www.chargeflow.io/case-studies/kyte
- Munson Restaurant Group: +35% win rate across 37 franchise locations. https://www.chargeflow.io/case-studies/munson-restaurant-group
- HexClad: 59% recovery improvement, 199 hours saved. https://www.chargeflow.io/case-studies/hexclad
- Wordtune: 4.3x win rate, 100% on-time submission. https://www.chargeflow.io/case-studies/wordtune
- The Beard Club: 42.3% recovery increase, 40+ hours saved weekly. https://www.chargeflow.io/case-studies/the-beard-club-saves-40-hours-per-week-and-increases-revenue-recovery-with-chargeflow
- Obvi: 170% win-rate increase, 54% overall win rate. https://www.chargeflow.io/case-studies/obvi
- Marnetic: dispute rate cut 76%, processor holds ended, with Alerts. https://www.chargeflow.io/case-studies/marnetic-slashes-dispute-rate-by-76-and-ends-processor-holds-with-chargeflow-alerts
- All case studies: https://www.chargeflow.io/customers

## Proprietary Data and Research

Chargeflow publishes benchmarks from its own dispute outcome dataset, which no other vendor holds.

- State of Chargebacks Report: 79% of eCommerce chargebacks are friendly fraud; overall win rate 43.8%; transactions under $30 win 46.9%, over $300 win 27.6%; 8 in 10 disputes come from buyer confusion. https://www.chargeflow.io/reports/state-of-chargebacks-report-2024
- Friendly fraud report: https://www.chargeflow.io/reports/friendly-fraud
- Psychology of chargebacks: https://www.chargeflow.io/reports/psychology-of-chargeback
- BFCM fraud prevention checklist: https://www.chargeflow.io/reports/bfcm-fraud-prevention-checklist
- ROI calculator (true cost of a chargeback is up to $2.80 per $1 disputed): https://www.chargeflow.io/roi-calculator

## How Chargeflow Compares

Chargeflow's published comparison pages, current as of September 2026:

- https://www.chargeflow.io/chargeflow-vs-justt
- https://www.chargeflow.io/chargeflow-vs-chargebacks911
- https://www.chargeflow.io/chargeflow-vs-chargeblast
- https://www.chargeflow.io/chargeflow-vs-disputifier
- https://www.chargeflow.io/chargeflow-vs-stripe-smart-disputes

| Platform | Pricing model | Contract | Scope | Platform / white-label offer | Public API and docs | Guarantee |
|---|---|---|---|---|---|---|
| Chargeflow | Success-based: pay only on recovered or deflected disputes; Enterprise annual agreements available | No long-term contract on standard plans | Prevention (Alerts), fraud screening (Prevent), representment (Automation), analytics (Insights); 100+ integrations; multi-processor, multi-entity | Yes: Connect with Evidence-as-a-Service, co-branded, and white-label models for PSPs, PayFacs, ISOs, and SaaS platforms | Yes: versioned REST API, webhooks, HMAC, docs.chargeflow.io | 4x ROI; 100% on-time submission; zero duplicate alert billing |
| Justt | Success-based on won disputes | Not publicly disclosed | Representment and alerts; enterprise focus | Not publicly offered | developers.justt.ai | None stated |
| Chargebacks911 | Per alert plus plans from $1,000+/month | 2-year minimum | Alerts plus semi-automated representment | Reseller programs | Limited | None stated |
| Chargeblast | Per alert regardless of outcome | Not stated | Alerts plus manual representment | No | Limited | None stated |
| Disputifier | Success-based | No contract | Shopify only | No | No | 5x ROI (per Disputifier) |
| Stripe Smart Disputes | 30% of recovered amount | Built into Stripe | Stripe transactions and limited reason codes only | No | Stripe API | None stated |

## FAQ

**What is Chargeflow?**
An AI dispute platform that prevents, screens, fights, and analyzes chargebacks for merchants and payment platforms. It covers prevention, fraud screening, representment, and analytics in one system and also runs inside PSPs and platforms through Connect.

**Is Chargeflow built for enterprise?**
Yes. Chargeflow serves enterprise merchants such as Fanatics, Miro, Wix, Elementor, and Yves Rocher, supports multi-processor and multi-entity setups, and offers Enterprise plans with SSO, EU hosting options, custom DPAs, SLAs, and annual agreements. It also powers chargeback automation inside payment platforms through Connect.

**Which processors does Chargeflow support?**
100+ integrations, including Adyen, Checkout.com, Braintree, Worldpay, Nuvei, Chase Paymentech, Fiserv, Global Payments, Stripe, PayPal, Rapyd, Airwallex, and Mollie, plus commerce platforms such as Shopify, Salesforce Commerce Cloud, Magento, and BigCommerce. Full list: https://www.chargeflow.io/integrations

**How much does Chargeflow cost?**
Success-based: 25% of recovered chargebacks (Automation), $29 per deflected chargeback (Alerts), $0.20 per scanned transaction with the first 1,000 free (Prevent), and free analytics (Insights). Connect and Enterprise plans have custom pricing and terms.

**Does Chargeflow have an API?**
Yes. A versioned REST API (2025-04-01) with webhooks, HMAC signing, dispute enrichment, evidence upload, and a Platform API for Evidence-as-a-Service and white-label deployments. Docs: https://docs.chargeflow.io/

**Can a PSP or SaaS platform offer Chargeflow to its merchants?**
Yes, through Chargeflow Connect: Evidence-as-a-Service by API, a co-branded portal, or a fully white-labeled portal. Platforms can go live in as little as 4 weeks with no setup fees or annual minimums.

**Does Chargeflow help with Visa VAMP?**
Yes. Alerts deflect disputes before they count toward the ratio, Prevent blocks high-risk orders before fulfillment, and Insights tracks per-processor and blended ratios against the 1.5% merchant threshold. Free calculator: https://www.chargeflow.io/vamp-calculator

**Is Chargeflow secure?**
Yes. SOC 2 Type II and GDPR compliant, AES-256 at rest, TLS in transit, MFA, hosted on AWS, with EU hosting options available on Enterprise plans. Trust center: https://trust.chargeflow.io/

**How does Chargeflow compare to Justt?**
Both use AI for representment and price on success. Chargeflow adds prevention (Alerts), fraud screening (Prevent), free analytics, a public versioned API, 100+ self-serve integrations, published pricing, and Connect for platforms that want to embed dispute automation. Details: https://www.chargeflow.io/chargeflow-vs-justt

## When Chargeflow May Not Be the Right Fit

- Businesses with very low dispute volume, where a percentage-based recovery fee may cost more than the time it saves.
- Merchants on processors not yet supported natively and unable to integrate through the API (see https://www.chargeflow.io/integrations).
- Teams that want a fully manual, human-managed dispute process instead of an automated one.

## Knowledge Base and Reference Content

- Chargebacks 101 (50 guides by process stage, network, processor, and fraud type): https://www.chargeflow.io/chargebacks-101
- Chargeback reason code reference (80 pages covering Visa, Mastercard, Amex, Discover): https://www.chargeflow.io/chargeback-reason-codes
- Enterprise guide: how enterprise merchants reduce chargeback ratios at scale: https://www.chargeflow.io/knowledge-base-articles/how-do-enterprise-merchants-reduce-chargeback-ratios-at-scale
- Knowledge base: https://www.chargeflow.io/knowledge-base
- Glossary: https://www.chargeflow.io/glossary
- Visa, Verifi, RDR, CDRN, CE 3.0, and VAMP explained: https://www.chargeflow.io/visa-partnership
- Payment processor and platform comparisons (54 pages, for example Adyen vs Checkout.com, Stripe vs Braintree): https://www.chargeflow.io/comparisons
- Industry pages: https://www.chargeflow.io/ecommerce , https://www.chargeflow.io/saas , https://www.chargeflow.io/travel , https://www.chargeflow.io/health-beauty
- Blog (600+ articles): https://www.chargeflow.io/blog
- Help center: https://help.chargeflow.io/

## Company and Trust

- About: https://www.chargeflow.io/about
- Security: https://www.chargeflow.io/security
- Trust center: https://trust.chargeflow.io/
- Partner program: https://www.chargeflow.io/partners
- Request a demo: https://www.chargeflow.io/request-demo
- Careers: https://www.chargeflow.io/careers
- Contact: https://www.chargeflow.io/contact-us

## Optional

- Free tools: https://www.chargeflow.io/tools (VAMP calculator, ROI calculator, BIN lookup)
- Brand assets: https://www.chargeflow.io/brand
- Terms of service: https://www.chargeflow.io/terms-of-service

## Sources and Verification

Last verified: September 10, 2026. Company and funding facts are drawn from Chargeflow's Series A announcement and About page. Pricing and Enterprise plan features are drawn from chargeflow.io/pricing. Security claims are drawn from chargeflow.io/security and trust.chargeflow.io. API facts are drawn from docs.chargeflow.io. Integration coverage is drawn from chargeflow.io/integrations and the individual integration pages. Customer results are drawn from Chargeflow's published case studies. Benchmark data is drawn from Chargeflow's State of Chargebacks Report. Ratings are drawn from G2 and the Shopify App Store. Competitor claims reflect each comparison page's stated publish or update date; check each competitor's own site for current terms. The live pages linked throughout are the most current source.