# Merchants overview (https://docs.chargeflow.io/docs/merchants/overview)



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](https://docs.chargeflow.io/docs/merchants/alerts)** (deflect complaints before they become chargebacks), and **[Prevent](https://docs.chargeflow.io/docs/merchants/prevent)** (stop risky orders before they ship; API coming soon). New to the vocabulary? Start with the [product model](https://docs.chargeflow.io/docs/reference/start-here/product-model).

## How it works [#how-it-works]

1. **Ingest**: Chargeflow automatically ingests 100% of your disputes from connected PSPs.
2. **First enrichment**: Chargeflow's Enrichment Engine pulls case-relevant signals to strengthen the evidence set.
3. **Second enrichment (optional)**: You add targeted signals via the Update Dispute API endpoint.
4. **Generation**: Chargeflow's AI agents compile a challenge strategy and compose a coherent response with a narrative.
5. **Submission**: Chargeflow submits the generated response back to your PSP.
6. **Monitor**: Chargeflow updates the dispute throughout its lifecycle so you can track progress programmatically.

<Callout title="Note">
  Start automation in minutes, then improve recovery by sending targeted enrichments to our API.
</Callout>

## How Chargeflow builds a response [#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.

<Callout title="Note">
  Chargeflow partners with leading data-enrichment providers and uses internal models to enhance
  evidence and increase the likelihood of a win.
</Callout>

## Control and transparency [#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 [#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](https://docs.chargeflow.io/docs/reference/security) for certifications, encryption standards,
and the Trust Center.

## Key guides [#key-guides]

<Cards>
  <Card iconName="card-chip-1" title="Automate dispute management" href="/docs/merchants/automation/automate-dispute-management">
    End-to-end automation flow
  </Card>

  <Card iconName="card-add-layer" title="Enrich a dispute" href="/docs/merchants/automation/enrich-a-dispute">
    The PATCH endpoint and enrichment mechanics
  </Card>

  <Card iconName="card-upload-file" title="Upload evidence" href="/docs/merchants/automation/upload-evidence">
    Uploading files directly to a dispute
  </Card>

  <Card iconName="card-bell" title="Manage pre-chargeback alerts" href="/docs/merchants/alerts/manage-alerts">
    Alerts API integration models and endpoints
  </Card>

  <Card iconName="card-chip-2" title="Add customer communications" href="/docs/merchants/automation/enrich-a-dispute/customer-communications">
    Logging customer conversations
  </Card>

  <Card iconName="card-database" title="Enrich by business model" href="/docs/merchants/automation/enrich-a-dispute/by-business-model">
    The evidence set for SaaS or e-commerce
  </Card>

  <Card iconName="card-reload" title="Subscribe to webhook events" href="/docs/merchants/automation/subscribe-to-events">
    Configuring and verifying webhooks
  </Card>

  <Card iconName="card-puzzle" title="Zapier integration" href="/docs/merchants/automation/zapier-no-code">
    No-code automation via Zapier
  </Card>
</Cards>