Chargeflow

The platform automates evidence collection by pulling 1,000+ data points from integrated payments, eCommerce, and CRM systems. It enriches that data with third-party sources, generates a personalized evidence packet, and submits it directly to the card networks, removing the merchant from in-process dispute management.

Chargeflow uses a success-driven model that charges only for chargebacks it recovers. The firm states there are no long-term contracts or hidden fees, and it offers a 4× ROI guarantee to new merchants.

The Chargeflow Network is a cross-merchant data backbone that feeds the firm’s machine-learning models. Automated AI experiments run continuously against this pooled-claims data, which the firm says refines its models and generates higher win rates than a single merchant could achieve alone.

Chargeflow covers standard cardholder chargebacks, inquiry disputes on BNPL platforms, and a pre-dispute prevention layer using Visa and Mastercard alerts. Its models are trained for specific industries and incorporate regulatory changes such as Compelling Evidence 3.0.

The firm advertises 100+ native, one-click integrations with major payments, eCommerce, and CRM platforms. Specific integrations are not enumerated on the site, but the firm targets Shopify, Stripe, and PayPal ecosystems based on its merchant profile.

Chargeflow is a technology provider that functions as a fully outsourced chargeback department rather than a managed-services vendor. The AI-driven engine manages disputes from alert interception through to evidence submission, with optional internal review windows for compliance teams.

Chargeflow’s website emphasizes its founders’ eCommerce operating history but does not name individual founders, list venture backing, or disclose a parent company. Public ownership and funding details are unknown as of mid-2026.