Chargeflow
Chargeflow is an AI-powered chargeback management platform that automates dispute recovery and fraud prevention for eCommerce merchants, subscription SaaS companies, and enterprises. It serves 15,000+ paying merchants across $50B+ in protected transaction volume via a success-based pricing model.
- Company typePrivate
- Founded2021
- HeadquartersModi'in, Israel
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What Chargeflow does
Chargeflow is an AI-powered chargeback management platform that automates the entire dispute lifecycle for merchants, from pre-chargeback alerts through evidence collection, submission, and recovery. Founded in 2021 and headquartered in Modi'in, Israel with a US operational base in New York, the company serves eCommerce merchants, SaaS companies with subscription billing, and enterprises that face rising friendly fraud and chargeback volume. Its stated merchant network exceeds 20,000 businesses, with more than 15,000 actively served and over $50B in protected transaction volume.
The product portfolio spans five offerings: Chargeflow Automation (end-to-end recovery with a 4x ROI guarantee), Chargeflow Alerts (pre-chargeback prevention via the Verifi and Ethoca networks), the recently launched free Chargeflow Prevent (pre-fulfillment friendly-fraud filtering), Chargeflow Insights (a free AI analytics dashboard), and Chargeflow Connect (an embedding/whitelabel/API layer for platforms and payment service providers). The underlying 'Chargeflow Intelligence' engine combines an LLM-driven evidence builder with issuer-specific machine learning models and a ChargeScore win-probability model, enriched by 1,000+ data points per dispute and trained against the company's proprietary transaction dataset.
The company operates on a predominantly success-based pricing model — 25% of recovered revenue is the default — with pay-per-alert pricing for the prevention product and free tiers for Insights and Prevent. Go-to-market combines direct self-serve acquisition through Shopify, Stripe, and WooCommerce marketplaces, an integration network of more than 100 commerce, payment, CRM, and helpdesk platforms, and an enterprise motion increasingly anchored by named accounts such as Fanatics, Sweetgreen, Wix, Huel, and Calendly. The company has raised approximately $49M across a pre-seed, an $11M OpenView-led round in August 2023, and a $35M Viola Growth-led Series A in November 2025 supplemented by a $10M debt facility.
Chargeflow firmographics
Firmographics- Name
- Chargeflow
- Legal name
- Chargeflow, Inc.
- Website
- https://chargeflow.io
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Chargeflow is an AI-powered chargeback management platform that automates dispute recovery and fraud prevention for eCommerce merchants, subscription SaaS companies, and enterprises. It serves 15,000+ paying merchants across $50B+ in protected transaction volume via a success-based pricing model.
- Ownership category
- akta.pro rank
Chargeflow industry classification
Industry- Product category
- Chargeback Management Software
- NAICS
- Business Support Services (5614), Collection Agencies (561440)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Chargeback & Dispute Management (FSAMALAC)
- akta.pro secondary industries
- Payments Fraud & Chargeback Prevention (HDADALAE), Fraud Prevention, Risk & Chargeback Management (CRAFALAE), Risk Scoring, Decisioning & Orchestration (FSAMALAB), Payment Abuse & Promo/Refund Abuse Prevention (FSAMALAI)
Keywords
Where Chargeflow is headquartered
LocationHeadquarters
- HQ city
- Modi'in
- HQ country
- Israel
- HQ region
- Middle East
Offices3 records
Markets served
Chargeflow business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure, Others
Revenue model
- Success-Based Chargeback Management Fee: Percentage fee of each recovered Chargeback Value paid only upon a Successful Chargeback (defined as won, recovered, or prevented). Specific rate example: 25% of recovered revenue (per Stripe comparison page). Per Terms: default rate of 8% of Chargeback Value applies if store is disconnected post-dispute regardless of outcome.
- Chargeback Prevention (Alerts) Fee: Fee per Alert received by Chargeflow, with pay-for-prevention model ("pay only for alerts that successfully prevent chargebacks"). Supports Visa Verifi, Mastercard Ethoca, plus Amex/Discover/PayPal alerts.
- Friendly-Fraud Prevention (Multiple Models): Optional pricing models: (1) Subscription-Based — monthly flat fee adjusted by size/transaction tiers; (2) Transaction-Based — per-transaction review fee; (3) Add-On Services — extended analytics or customized model enhancements.
- Freemium Insights Product: Free Insights dashboard offering bird's-eye view into payments and chargebacks with AI Recommendations; serves as a lead-generation / top-of-funnel product.
- Free AI-Powered Product (2024 Launch): Chargeflow unveiled a Free AI-Powered Product in August 2024 to transform chargebacks into profits; intended as a customer acquisition and brand-building vehicle.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Outcome Based/ Performance | Pay-as-you-go | Success-Based Pricing — Chargeback Management & Recovery |
| Outcome Based/ Performance | Pay-as-you-go | Success-Based Pricing — Chargeback Alerts (Prevention) |
| Subscription | Monthly | Friendly-Fraud Prevention — Subscription Tier |
| Usage-based | Pay-as-you-go | Friendly-Fraud Prevention — Transaction-Based Tier |
| Other | Monthly | Friendly-Fraud Prevention — Add-On Services |
| Freemium | Monthly | Insights — Free Freemium Tier |
Go-to-market motion5 records
Distribution channels8 records
Marketing channels14 records
Chargeflow product offering
Product offeringCore offering
Chargeflow is an AI-powered chargeback management platform that automates the end-to-end dispute lifecycle for eCommerce merchants, SaaS companies, and payment platforms. The platform prevents chargebacks via real-time alerts from Visa (Verifi), Mastercard (Ethoca), Amex, Discover, and PayPal, recovers revenue through automated evidence submission, and blocks friendly fraud pre-fulfillment using machine learning. It is offered as a suite of five co-branded products (Prevent, Automation, Alerts, Insights, Connect) sold on a success-based or subscription pricing model across 90 countries.
Product overview
Chargeflow is an AI-powered chargeback management platform offered as an integrated suite of five co-branded products built around a unified "Chargeback OS": Chargeflow Prevent (Friendly-Fraud Prevention, pre-fulfillment AI risk scoring), Chargeflow Automation (end-to-end automated chargeback recovery / management with 4x ROI guarantee), Chargeflow Alerts (real-time pre-chargeback prevention powered by Verifi, Ethoca, Visa, Mastercard, Amex, Discover, PayPal), Chargeflow Insights (free AI analytics dashboard), and Chargeflow Connect (an Embedding/Whitelabel/API offering for platforms). Together these modules cover the full chargeback lifecycle from prevention and alert-driven intervention, to dispute automation, to analytics and platform-level extensibility.
Differentiator
Problem solved
Functional benefit
Brands
- Chargeflow Prevent: AI-powered friendly fraud prevention product designed to block digital shoplifters and prevent chargebacks before they occur.
- Chargeflow Automation
- Chargeflow Alerts
- Chargeflow Insights
- Chargeflow Connect
Products and services
- Chargeflow Prevent AI-powered Friendly-Fraud Prevention product that identifies potentially fraudulent end users post-checkout and pre-fulfillment, enabling merchants to cancel orders or intervene with risk-scored recommendations before fulfillment. Targeted at eCommerce merchants facing friendly fraud and digital shoplifting losses. Offered free as a customer acquisition and brand-building vehicle.
- Chargeflow Automation Fully automated chargeback recovery (Chargeback Management) with a 4x ROI guarantee, end-to-end automation from data collection through evidence submission, success-based pricing, and powered by Chargeflow Intelligence and an LLM-driven evidence engine. For eCommerce merchants, SaaS companies, and platforms looking to recover revenue from chargebacks without manual effort.
- Chargeflow Alerts Chargeback Prevention product that prevents up to 90% of chargebacks before they happen, powered by Visa (Verifi), Mastercard (Ethoca), the Chargeflow Network, Amex, Discover, and PayPal. Includes zero-duplication logic and a no-dispute-fee guarantee on successfully prevented alerts. Targeted at merchants needing real-time pre-chargeback intervention.
- Chargeflow Insights Free unified AI analytics dashboard providing a 360-degree view of payments, chargebacks, and disputes. Includes AI recommendations, chargeback-ratio tracking with proactive alerts, fraud pattern detection, and personalized report summaries. Targeted at eCommerce merchants, finance teams, and operations leaders.
- Chargeflow Connect Platform offering (For Platforms) that lets SaaS, PSP, and eCommerce platforms embed, white-label, or integrate Chargeflow's chargeback management stack via API into their own product experience. Targeted at PSPs, ISVs, and SaaS platforms that want to offer chargeback automation to their own merchants.
Quantifiable outcome
- 90% average reduction in chargebacks
- +7 more outcomes
Companies that use Chargeflow
Customer profileNamed customers32 records
Segments8 records
Ideal customer profiles3 records
Chargeflow technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration36 records
AI capability11 records
Feature11 records
Chargeflow partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and flagship.
- Payoneer (Scott Galit, former CEO)coreScott Galit, former CEO of Payoneer, joined Chargeflow's Board of Directors in June 2026 to help Chargeflow expand its international footprint, leveraging his experience transforming Payoneer into a global publicly traded platform.
- ShopifyflagshipNative Shopify integration powering 30,000+ Shopify merchants. Listed on the Shopify App Store and supports Shopify Payments, enabling seamless chargeback management for the Shopify ecosystem.
- StripeflagshipListed as the #1 Chargeback Solution for Stripe Merchants on the Stripe Marketplace. Native integration with Stripe's payment processing and dispute data APIs enables end-to-end chargeback automation.
- WooCommerceflagshipNative WooCommerce integration listed on the WooCommerce marketplace. Provides automated chargeback recovery for WooCommerce-based online stores.
- PayPalcoreIntegration recovers PayPal inquiries and chargebacks. Chargeflow Alerts also supports PayPal alerts prevention alongside Visa, Mastercard, Amex, and Discover.
- ZapiercoreZapier integration exposes 8,000+ no-code integrations for connecting Chargeflow to other business tools without engineering work.
- Visa (Verifi)flagshipChargeflow Alerts is powered by Verifi (a Visa company), enabling real-time Visa dispute alerts to prevent chargebacks before they escalate.
- Mastercard (Ethoca)flagshipChargeflow Alerts is powered by Ethoca (a Mastercard company), enabling real-time Mastercard dispute alerts. Helps merchants stay below VAMP and Mastercard ECM thresholds.
- Google (Google Workplace API)coreChargeflow uses Google Workplace API to access merchant email correspondence with end-users (with consent) for use in chargeback management and prevention. Data from Google Workplace API is not used to train AI/ML models per Privacy Policy.
- RechargecoreIntegration with Recharge subscription billing platform to manage recurring-billing chargebacks.
Scale indicators12 records
Recent moves7 records
Expansion highlights7 records
Chargeflow competitors and assessment
Company assessmentBroad incumbents
- Kount (Equifax): Kount, owned by Equifax, provides fraud prevention and chargeback mitigation as part of a broader identity and risk platform, serving enterprise merchants and acquirers that overlap with Chargeflow's enterprise push.
- Signifyd: Signifyd offers guaranteed fraud protection and chargeback reimbursement for enterprise eCommerce merchants, representing a broader and more capital-backed alternative to Chargeflow's recovery automation.
- Riskified: Riskified is a publicly traded AI fraud and chargeback prevention platform serving enterprise eCommerce merchants, offering a wider risk-decisioning scope that overlaps with Chargeflow's prevention and recovery products.
- Stripe Smart Disputes: Stripe Smart Disputes is a free, bundled dispute feature inside Stripe that automates evidence submission for Stripe merchants; it is the default free alternative to Chargeflow on the Stripe platform.
Emerging players
- SEON: SEON is a fraud prevention and AML platform that also offers chargeback prevention capabilities; it is featured as a customer on the Chargeflow site, indicating ecosystem adjacency rather than direct head-to-head competition.
Direct peers
- Disputifier: Disputifier provides automated chargeback dispute management for Shopify and eCommerce merchants, competing head-to-head with Chargeflow on the same SMB and mid-market merchant base.
- Chargebacks911: Chargebacks911 is a long-standing chargeback management and dispute resolution service for merchants; positioned as a more established, semi-automated alternative to Chargeflow's fully AI-driven approach.
- Midigator: Midigator offers chargeback management, prevention alerts, and dispute automation services to merchants and acquirers, competing with Chargeflow on Verifi/Ethoca-based alert delivery and recovery outcomes.
- Justt: Justt is a direct competitor offering AI-driven chargeback management and recovery for merchants, frequently benchmarked against Chargeflow in comparison pages and sharing the same target market of eCommerce and SaaS merchants.
- Chargeblast: Chargeblast is a direct competitor in automated chargeback management for eCommerce merchants, listed alongside Chargeflow in Shopify App Store and frequently compared on pricing and win-rate claims.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat6 records
Key risks5 records
Key highlights7 records
Customer concentration
Chargeflow social profiles
Digital presenceChargeflow compliance and trust
Trust signalCompliance5 records
Chargeflow financial estimates
Financial estimateRevenue estimate
Valuation estimate
Chargeflow leadership team
Management profileNumber of profiles
Profiles6 records
Chargeflow funding detail
Funding detailFunding overview
Funding rounds4 records
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Chargeflow M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Chargeflow
What does Chargeflow do?
Chargeflow is an AI-powered chargeback management platform that automates the end-to-end dispute lifecycle for eCommerce merchants, SaaS companies, and payment platforms. The platform prevents chargebacks via real-time alerts from Visa (Verifi), Mastercard (Ethoca), Amex, Discover, and PayPal, recovers revenue through automated evidence submission, and blocks friendly fraud pre-fulfillment using machine learning. It is offered as a suite of five co-branded products (Prevent, Automation, Alerts, Insights, Connect) sold on a success-based or subscription pricing model across 90 countries.
Is Chargeflow a public or private company?
Chargeflow is a private company. It is classified as venture growth investor backed and is currently operating.
When was Chargeflow founded?
Chargeflow was founded in 2021. It employs 101 to 250 people.
Where is Chargeflow based?
Chargeflow is headquartered in Modi'in, Israel, in the Middle East region.
How does Chargeflow make money?
Five revenue lines are on record. Success-Based Chargeback Management Fee is the primary driver. The others are chargeback Prevention (Alerts) Fee, friendly-Fraud Prevention (Multiple Models), freemium Insights Product and free AI-Powered Product (2024 Launch).
Who are Chargeflow's main competitors?
Broad incumbents on record are Kount (Equifax), Signifyd, Riskified and Stripe Smart Disputes. SEON is listed as an emerging player. Direct peers are Disputifier, Chargebacks911, Midigator, Justt and Chargeblast.
Does Chargeflow have an API?
Yes. Chargeflow Connect exposes a public, partner-facing API that allows platforms to integrate Chargeflow's chargeback management capabilities. Integration options include Embedding, Whitelabel, or direct API access. Developers can build integrations that connect to 100+ supported eCommerce, payments, and CRM platforms. The API documentation is hosted at https://docs.chargeflow.io. Developer documentation is at docs.chargeflow.io.
What industry is Chargeflow in?
Chargeflow's product category is Chargeback Management Software. Its primary akta.pro industry code is FSAMALAC, Chargeback & Dispute Management, with a secondary code of HDADALAE, Payments Fraud & Chargeback Prevention. Its NAICS code is 5614 and its SIC code is 7320.