As online commerce grows increasingly complex, Chargeflow is positioning itself as a technology company built to help merchants tackle one of the industry’s most expensive pain points: chargebacks and payment disputes.
The Israeli startup, led by co-founders Ariel Chen and Avia Chen, uses AI-powered automation to help businesses recover lost revenue, reduce fraud exposure and eliminate the operational burden associated with manually handling payment disputes.
Chargeflow, Going Global
Ben Herut, Chargeflow’s chief of staff and VP of payments risk, said the problem facing merchants has reached massive scale. “The issue is $316 billion annually and it’s growing 30% year over year,” he said during the interview. “When a merchant accepts credit cards, they are exposed to financial risk through fraud and disputes. What we do is take this off their hands.”
Herut, who previously held senior fintech risk leadership roles at companies including Payoneer, N26, Justt and payabl, said the company’s AI-driven system enables merchants to focus on growth instead of fighting financial losses.
Chargeflow’s platform uses large-scale data analysis and AI-driven workflows trained on millions of internal data points to automate the dispute process. According to Herut, the company leverages information gathered across thousands of merchants to create customized representment strategies, the formal process of contesting chargebacks with card networks and banks.
The company says its approach is designed to operate as a fully hands-free solution, handling integrations, data collection, enrichment and dispute submissions automatically. “We only charge if we win,” Herut said. “Our revenue is based on the customer’s success.”
Founded in Israel in 2021, Chargeflow has rapidly expanded internationally, opening a New York office while serving merchants in nearly 90 countries. Herut said the company’s Israeli roots helped shape its approach to solving difficult technical problems at global scale.
Looking ahead, Chargeflow plans to expand beyond chargeback recovery into broader post-payment risk management, with the goal of building what it describes as a “fraud-free ecosystem for ecommerce.” “We are here to remove the burden of fighting disputes and chargebacks,” Herut said. “We want merchants focused on generating revenue, not fighting losses.”