Chargeflow
“Can AI-driven chargeback automation become the universal dispute management OS for online merchants across all major payment processors?”
Founded2021
HQUnited States (Delaware incorporated; sales team in New York)
FoundersAriel Chen, Avia Chen
Total raised$49M
Latest roundSeries A, November 2025
IndustryFintech / Fraud & Chargeback Management
The story
Chargeflow was founded in 2021 by brothers Ariel and Avia Chen, who discovered chargeback management as a painful unsolved problem while running their own e-commerce brand, Babe Cosmetics. The company launched as an AI-first chargeback automation tool for Shopify merchants, then rapidly expanded integrations to 100+ payment and e-commerce platforms. By 2025, with $49M raised, Chargeflow shifted upmarket to serve enterprise clients alongside its SMB base, establishing a dedicated New York sales team and positioning itself as an end-to-end 'Chargeback OS' rather than a point solution.
Product timeline
2021
Ariel and Avia Chen founded Chargeflow after selling Babe Cosmetics, inspired by their own chargeback pain as e-commerce merchants.· pivot
2022
Closed undisclosed $3M pre-seed round and launched the AI-driven chargeback automation platform.· banking
2023
Raised $11M seed led by OpenView; platform integrated with Shopify, Stripe, PayPal, Klarna; serving thousands of e-commerce merchants.· pivot
2025
Closed $35M Series A led by Viola Growth (total $49M); expanded to 20,000+ merchants and opened enterprise sales team in New York.· pivot
The stack
1 layer disclosed in Chargeflow’s embedded-finance stack
Accounting gap: none