“Can AI-driven chargeback automation become the universal dispute management OS for online merchants across all major payment processors?”
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.
Chargeflow processes payments through Stripe, Adyen, Braintree, Checkout.com, PayPal, Shopify Payments, Afterpay and Klarna.
Chargeflow was founded by Ariel Chen and Avia Chen and is founded in 2021, headquartered in United States (Delaware incorporated; sales team in New York).
Chargeflow has raised $49M in total (latest round: Series A, November 2025).
Get a read on where your own stack stands against Chargeflow and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.