Every Chargeback Fought: Airwallex + Chargeflow

Airwallex gives businesses one stack for accepting and moving money globally: local currency accounts, hundreds of payment methods, and settlement across more than a hundred countries. That same reach is what makes disputes harder to manage. A single order can touch a foreign currency, a local payment rail, and a card scheme's own rules, three separate places a chargeback can originate before a merchant ever sees it. Chargeflow's job is to make sure that reach doesn't outrun the ability to fight back: one queue, covering every Airwallex dispute stage, in every currency and country the platform touches.

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Airwallex's Reach, By the Numbers

• 130+ countries where Airwallex accepts payments, with licenses or permits in roughly 80 to 85 markets.
• 130+ currencies accepted at checkout, plus 20+ local currency Global Accounts across 70+ countries for receiving funds without conversion.
• 160+ local payment methods, alongside major card schemes: Visa, Mastercard, Amex, and more.
• $287 billion in annualized transaction volume as of March 2026, across 676,000+ businesses.

More than 90% of Airwallex's revenue now comes from customers stacking two or more products together, multi-currency accounts, card issuing, and payment acceptance combined. That's the profile of a business built for cross-border volume from day one, and cross-border volume is exactly where dispute risk concentrates.

Why Cross-Border Volume Multiplies Dispute Complexity

Research from the European Central Bank found that while cross-border transactions make up only 11% of all EU card payments, they account for 63% of card fraud losses. Cross-border orders also see chargeback rates roughly double those of domestic transactions, for three recurring reasons:

• Unfamiliar billing descriptors. A charge in a currency or format the cardholder does not recognize gets disputed on sight.
• Longer delivery windows. Cross-border shipments take longer, and slow delivery drives "item not received" claims.
• Currency mismatch. Exchange rates move between the original charge and the eventual reversal, making the disputed value harder to pin down.

None of this is a flaw in Airwallex's infrastructure. It's the natural cost of operating at the scale Airwallex enables. The more currencies, rails, and countries a business touches through Airwallex, the more scheme-specific dispute processes, RFI, pre-chargeback, chargeback, pre-arbitration, and arbitration, that business needs to track at once.

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Airwallex's Coverage Snapshot

Airwallex's Dispute Stage Deadlines at a Glance

The Cost of Letting Cross-Border Disputes Slip

Global chargeback volume is projected to reach 337 million transactions in 2026, with total dollar value climbing from $33.79 billion in 2025 toward $41.69 billion by 2028. Merchants who fight disputes on their own win less than half the time: representment win rates hover around 41-54% industry-wide, and net recovery after second chargebacks and case-building costs drops closer to 12-18%. For a merchant running cross-border volume through Airwallex, spread across dozens of currencies and payment methods, manual review simply doesn't scale against that growth rate.

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Every Currency, Every Rail, One Queue

Airwallex's dashboard already gives merchants clear visibility into every dispute stage as it moves. Chargeflow builds on that visibility rather than replacing it, plugging directly into Airwallex's dispute webhooks to pick up RFIs, pre-chargebacks, chargebacks, pre-arbitration, and arbitration cases the moment they fire, no matter which currency or country the underlying transaction touched.

• Currency-agnostic evidence. Whether a transaction is settled in USD, EUR, or a local currency through a Global Account, Chargeflow assembles the order, shipping, delivery, and communication records the scheme requires.
• Stage-aware, scheme-aware responses. Visa, Mastercard, Amex, JCB, and UPI each expect different evidence formats. Chargeflow builds the one each stage and scheme actually requires.
• Unified queue across processors. Airwallex disputes sit alongside Stripe, PayPal, and every other processor a merchant runs, backed by 100+ native integrations and coverage across 90 countries, so cross-border complexity doesn't mean cross-tool sprawl.
• Deadline tracking built for the tightest windows. The 65-hour pre-chargeback clock and 15-day RFI and chargeback windows are tracked automatically and beaten before they close.

Backed by a 4X ROI guarantee, merchants only pay when Chargeflow wins. Chargeflow merchants see up to 3x higher win rates than the industry average, drawing on pattern data from a network of 20,000+ merchants.

Matching Airwallex’s Global Reach on the Dispute Side

Airwallex built the infrastructure for businesses to accept payments like a local, anywhere. That reach is the whole value proposition, and it's also what makes disputes harder to fight with spreadsheets and manual review. Chargeflow's job is to match that reach stage for stage, currency for currency, so coverage on the payments side means coverage on the dispute side too. Chargeflow already protects $50+ billion in transactions across 20,000+ merchants in 90 countries, the same kind of reach Airwallex brings to payments, now applied to disputes.

Already running Airwallex? Connect your account and let Chargeflow take every RFI, chargeback, and arbitration case off your plate, across every currency and country you operate in.

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