Merchants overview
What the merchant docs cover - dispute Automation end to end, plus Alerts and Prevent - and how Chargeflow builds and submits a dispute response.
Chargeflow is an agentic dispute automation engine that recovers revenue from disputes on your behalf. Connect your PSPs and business tools in minutes; Chargeflow handles disputes from ingestion to submission.
This section covers the merchant-facing products: Automation (most of these docs - everything below), Alerts (deflect complaints before they become chargebacks), and Prevent (stop risky orders before they ship; API coming soon). New to the vocabulary? Start with the product model.
How it works
- Ingest: Chargeflow automatically ingests 100% of your disputes from connected PSPs.
- First enrichment: Chargeflow's Enrichment Engine pulls case-relevant signals to strengthen the evidence set.
- Second enrichment (optional): You add targeted signals via the Update Dispute API endpoint.
- Generation: Chargeflow's AI agents compile a challenge strategy and compose a coherent response with a narrative.
- Submission: Chargeflow submits the generated response back to your PSP.
- Monitor: Chargeflow updates the dispute throughout its lifecycle so you can track progress programmatically.
Note
Start automation in minutes, then improve recovery by sending targeted enrichments to our API.
How Chargeflow builds a response
Chargeflow orchestrates multiple agentic layers to assemble a dispute response from the data you and Chargeflow provide. You can improve outcomes by sending targeted enrichments to a single API endpoint, which is fast to implement and easy to maintain.
- Agentic automation: Chooses what evidence to generate and how to present it based on available signals, historical data, network requirements, and domain intelligence.
- Simple integration: One endpoint for enrichments; minimal payloads focused on what actually moves win rate.
- Data network effects: Chargeflow augments your inputs with internal models (when available) to strengthen the case.
Note
Chargeflow partners with leading data-enrichment providers and uses internal models to enhance evidence and increase the likelihood of a win.
Control and transparency
You stay in control of automation strategy and evidence:
- Your data, end-to-end: Fetch the complete, normalized dispute record, including Chargeflow-added enrichments, via a single retrieval endpoint for your own systems and BI.
- Override or provide: Provide (or override) signals per dispute; Chargeflow adapts the response accordingly.
- Clear status: Programmatic access to lifecycle status, evidence artifacts, and submission history.
Privacy and security
Chargeflow treats privacy and security as first-order features: data is minimized, segmented, and encrypted, partner enrichments are clearly labeled, and controls are continuously hardened. Chargeflow is SOC 2 Type II audited and GDPR-compliant - see Security & compliance for certifications, encryption standards, and the Trust Center.