Chargeflow

Strong foundations lead to stronger revenue. Wishing our merchants, partners, and friends a happy Passover.

VAMP is tightening. Starting April 1, the chargeback threshold drops to ~1.5%. That “unofficial buffer” merchants had before is basically gone. What many merchants don’t see is the pressure chain behind it: Card networks tighten rules → Banks push processors → Processors clean up their portfolios → Merchants get flagged or shut down. That’s why sudden Shopify or Stripe shutdowns aren’t random. It’s risk pressure moving downhill. And merchants are at the end of that chain. The direction is clear: • Less tolerance for disputes • Faster enforcement • Sub-1% becoming the real benchmark Chargebacks are no longer a back-office problem. They’re a growth risk. If you run an e-commerce brand, now is the time to watch your dispute rate closely.

Day 2 at Shoptalk A lot of meetings. A lot of operators. A lot of conversations about fraud, payments, and growth. We're still here, come say hi 👋

Shoptalk Vegas is here 🇺🇸 Looking forward to a few great days connecting with merchants, operators, and partners. If you’re around, come say hi. Max Frietch Vivek Verma

Why evidence quality beats volume? Many merchants think winning disputes is about sending more evidence. More screenshots. More documents. More pages. But issuers don’t read everything. They look for clarity. They want to quickly answer three questions: Did the customer make the purchase? Did the merchant deliver what was promised? Is there proof of it? If the story isn’t clear in seconds, the case is usually lost. That’s why quality beats volume. Clear timeline. Relevant proof. Evidence that actually answers the issuer’s question. Winning disputes isn’t about sending more. It’s about sending the right evidence.

MRC | Merchant Risk Council Vegas recap 🇺🇸 It was a great few days in Vegas connecting with merchants, partners, and operators working on the same problems we think about every single day. A lot of honest conversations about friendly fraud, disputes, and how hard it is to manage all of this at scale. One thing is clear: Merchants are actively looking for better ways to handle disputes and reduce the operational load behind them. Really grateful for everyone who stopped by the booth, shared their challenges, and exchanged ideas with the team. Until the next one 🤝

מה חשוב למגוייסים החדשים בזמן מלחמה: משרה יציבה או הבנה של המצב המאתגר בבית? גם במסגרת מבצע "שאגת הארי", חברות ההייטק הישראליות לומדות את האיזון בין רגל עסקית על הגז לבין ראיית המרואיינים.ות כבני אדם. מוזמנים לקרוא את נקודת המבט שלי ושל MostWanted - Executive Search על הגיוסים בחודש האחרון בכתבה ב Walla יחד עם: Shani Brounshtein - Atera Einat Leham-Livnat - Imperva Chen Ravenna Morag - Chargeflow Noa Assaf - Navina. https://lnkd.in/dB7HpAJM האם אצלכם הגיוסים מתנהלים כרגיל או שחלה האטה?

Merchant Payments Ecosystem Berlin, wrapped. 🇩🇪 A few days of conversations with merchants, PSPs, and fraud teams. Clear pattern: Everyone is focused on preventing fraud. But when it comes to what happens after… chargebacks are still messy. - Manual processes - Fragmented tools - Lost revenue And one topic kept coming up again and again: “Friendly fraud.” There’s nothing friendly about it. It’s becoming one of the biggest challenges merchants face. — If chargebacks are impacting your business, DM us or comment to this post

Day 2 at MPE Berlin 🇩🇪 Met some incredibly sharp people across payments and fraud. And one thing is clear: “Friendly fraud” isn’t friendly. For merchants, it means: • lost revenue • more disputes • zero accountability This isn’t a niche problem anymore. It’s becoming the main event. — We’re here tomorrow as well. Come say hi 👋 Frank Frantz Ido Dori

We’re on the ground at MRC | Merchant Risk Council Vegas 🇺🇸 A few themes keep coming up in every conversation: VAMP tightening up. Thresholds are getting stricter. Less room for error. Friendly fraud isn’t slowing down. It’s getting harder to detect and easier to trigger. Disputes are no longer just a support issue. They’re a growth risk. What’s clear: Most teams aren’t struggling with fraud. They’re struggling with scale, visibility, and timing. By the time disputes show up, it’s already late. That’s the shift happening right now. From reacting to disputes → to preventing them before they start. We’ll be there tomorrow at Booth #230. Come say hi and let’s talk.