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Ariel Chen and the Sale That Wouldn’t Stay Sold
A Black Friday success became a stack of disputed payments. For Ariel Chen, the way out of the paperwork led from a cosmetics brand to Chargeflow - with his brother beside him.
Avia Chen Turned the Refund Nobody Wanted Into the Company Merchants Needed
A beauty brand taught Avia Chen an ugly lesson about online payments. He and his brother built Chargeflow from the paperwork, lost revenue and stubborn curiosity that followed.
Shanthi Shanmugam
Shanthi Shanmugam is the co-founder and CEO of Casap, a New York fintech that uses AI to automate payment disputes, chargebacks, and first-party fraud detection for banks, credit unions, and fintechs. A UC Berkeley electrical engineering and computer science graduate, she cut her teeth as a product manager at Facebook and spent roughly five years at Robinhood, where she launched the first crypto trading feature and later ran customer-care products. Watching back-office breakdowns erode consumer trust convinced her the dispute process was broken, so she reconnected with a former Facebook colleague, Saisi Peter, and started Casap in 2023. In August 2025 the company raised a $25M Series A led by Emergence Capital, bringing total funding to $33.5M.