Challenge

Chargebacks can drain a merchant’s time, focus, and revenue. Since launching in 2021, Chargeflow has helped more than 15,000 merchants automate their dispute process across 50 payment processors. The company’s AI-powered dispute management platform delivers industry-leading recovery rates and chargeback win rates in the process.

Chargeflow’s rapid adoption among merchants created friction for its finance team early on. Because the company only collects on successfully recovered chargebacks, it must wait weeks for disputes to resolve before billing customers—a business decision that was made to help merchants with their operating cash flow, which is already burdened by chargebacks. Manually tracking and metering those events made it difficult to know when or how much to invoice, creating delays in revenue collection while leaving the team without a clear way to automate the process.

This lag was exacerbated by the company’s slow and complex invoicing process. Chargeflow’s finance team used spreadsheets to manually record, manage, and reconcile the granular event data required for every invoice. Because each dispute was billed separately, some enterprise merchants received dozens of invoices a week. Chargeflow needed a partner to automate its billing processes, so it could free its finance team to focus on revenue collection.

Chargeflow’s finance team also struggled to juggle multiple payment processors. The company manages disputes across 50 payment processors, while also handling its own billing using 2 payment processors across 5 products and 6 payment methods—creating multiple workflows overhead for teams.

To sustain its efficient exponential growth, Chargeflow needed a unified system to simplify work and manage all processors in one place. “When we started Chargeflow, we built the minimum we needed to get going. We grew so fast that we eventually realized we needed to optimize our operations to get more visibility and control over all our revenue streams—from revenue recognition, billing, invoicing, and collection to reconciliation,” said Yuval Ben-Ami, vice president of product at Chargeflow.

Solution

In 2025, after evaluating multiple vendors, Chargeflow selected Stripe to help modernize its revenue operations and improve visibility across its payment partners.

“It was a no-brainer for us to choose Stripe, since it offers everything we need, has more convenient pricing, and has proven to be reliable,” said Ben-Ami.

The company began by adopting Billing’s usage-based billing features. In addition to taking advantage of Stripe’s extensive documentation and flexible APIs, Chargeflow worked closely with the Billing team through a shared Slack channel to set up usage-based billing and automate its outcome-based pricing model.

Chargeflow’s billing system now automatically triggers a billing event whenever Chargeflow wins a dispute, manages a dispute alert from a card network, or analyzes a transaction to prevent a future chargeback. These billing events generate a single, consolidated invoice in Stripe Invoicing, eliminating manual tracking and invoice creation. Chargeflow also now further reduces failed payments and streamlines financial operations with automated revenue recovery features, including Smart Retries—which automatically retries failed payment attempts at optimal times—and card account updater, which automatically updates expired card information to minimize churn.

As design partners and early adopters, Chargeflow has integrated its third-party payment processor into Billing to consolidate billing into a single source and avoid managing multiple separate workflows, billing logics, dashboards, and reconciliations.

“Having a single source of truth is key,” said Ben-Ami. “It’s visible for our customer success team, so they can reach out to the merchants they manage. Finance doesn’t have to pull reports from different systems. It’s helped us a lot.”

Results

Chargeflow deployed Billing within six weeks

The company’s engineering team used Stripe’s documentation to quickly implement and customize the platform, spending 1 month on implementation, internal testing, and piloting with 25% of its merchants. Two weeks later, the team had successfully onboarded all its merchants onto Billing.

Usage-based billing delivered 99% billing accuracy

By using Stripe to replace manual tracking with metered billing events, Chargeflow can now precisely monitor how closely its billing matches reality. Today, the company achieves 99% billing accuracy.

Automated tools delivered a 48% revenue recovery rate

Automated tools such as Smart Retries and card account updater helped Chargeflow achieve a 48% failed charges revenue recovery rate for the year. Previously, the company hadn’t used any revenue recovery tools.

Multiprocessor billing saved 80 hours of work per month

Chargeflow took just five days to unify its billing data from other processors within Stripe. Since then, the company’s FinOps team has saved about 80 hours per month by eliminating duplicate work and manual data entry.

“Instead of having to hire more people, we were able to reallocate two people on our FinOps to focus on executing on our collection strategy,” said Ben-Ami.