
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.
A forgotten purchase can become an expensive argument. Verifi, the Visa-owned dispute specialist, gives merchants a chance to clarify the charge, refund it, or defend it before the paperwork takes over.

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.
Ariel and Avia Chen built the tool they could not buy: software that spots risky orders, intercepts disputes and assembles the paperwork while merchants keep selling. The sharper idea is not the AI - it is charging when the ugly work produces a result.
Most merchants treat chargebacks as expensive paperwork. Chargeback Gurus treats them as a trail of clues - then uses software, data and specialists to stop the next dispute before it lands.