Taming Chargebacks With Real AI Agentics

Too many merchants breathe easy under legacy chargeback ratios, only to be blindsided when their PSP tightens the screws. We sit down with Ben Herut, co-founder at ChargeFlow, (https://www.chargeflow.io/) to unpack the shift toward post-payment risk and why Visa’s VAMP is forcing acquirers and processors to act earlier—and harder—on portfolio-level exposure. If you rely on card rails for growth, this conversation shows how to protect revenue without clobbering conversions.

We trace Ben Harut’s path from engineering to payments risk and dig into how ChargeFlow uses post-payment data, alerts, and AI-driven workflows to cut chargebacks and protect revenue. We also break down Visa’s VAMP, why PSP thresholds change the game, and how merchants should respond.

• career path from engineering to payments risk
• bank-side underwriting, KYC, fraud and chargebacks
• founding in high-risk and lessons learned
• what ChargeFlow does post-payment and pre-fulfillment
• risk scoring using cross-merchant and outcome data
• handling alerts including TC40 and RDR
• strategies to refund or fight disputes
• AI agents for representment and QA feedback loops
• what VAMP changes for acquirers and PSP thresholds
• portfolio-level risk, BIN pressure, and early enforcement
• why proactive prevention protects processing access

We start with Ben’s journey from electronics engineering to bank-side risk, through launching an EMI in the high-risk space. That experience shapes a practical view: fraud prevention cannot end at authorization. ChargeFlow focuses on the critical window after approval and before fulfillment, where merchants can use post-payment data, cross-merchant signals, and scheme alerts like TC40 and RDR to flag risky orders, request verification, or cancel before losses mount. For digital goods and financial products, we explore how delayed access flows and behavioral patterns unlock smarter decisions than blanket declines.

When disputes hit, evidence wins. Ben explains how AI agents compress months of training into days, assembling compliant, precise representments and feeding results back into models. The goal isn’t buzzword AI; it’s a genetic workflow with guardrails, explainability, and QA loops that cut manual work and raise win rates. We also compare refund-first versus fight-first strategies, and where high-value transactions justify the extra effort.

Then we tackle VAMP’s impact. Even “safe” merchants can trigger portfolio pressure at the BIN level, prompting PSPs to hold payouts, request mitigation plans, or offboard accounts. Understanding tighter PSP thresholds, modeling risk appetite, and staying current with card scheme changes are now core operating skills. Whether you sell physical products or digital access, the path forward is clear: centralize post-payment risk scoring, handle alerts with discipline, and standardize dispute workflows so your team can focus on growth.

If this episode helps clarify your approach to chargebacks, subscribe, share with your ops or finance team, and leave a quick review—what’s your stance today: refund or fight?

**Matters discussed are all opinions and do not constitute legal advice. All events or likeness to real people and events is a coincidence.**

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A payments podcast of Global Legal Law Firm