The short version
Chargeflow and Flatfight both build and submit dispute evidence for you. They differ in two ways: how you pay and what they're built for.
- Chargeflow charges a percentage of every chargeback it recovers. It connects to many platforms and processors, and also sells prevention alerts and fraud screening.
- Flatfight charges a flat monthly fee and takes nothing from what you win. It works only with Stripe, and it's built for digital businesses whose best evidence is their own product's usage logs.
If you sell physical goods across several processors and want prevention tools too, Chargeflow covers more ground. If you're a Stripe business with meaningful ticket sizes, a flat fee keeps a lot more of each win.
Pricing models compared
Prices as published on 2 October 2026. Check each provider's current pricing before you decide.
| Chargeflow | Flatfight | |
|---|---|---|
| Dispute automation | 25% of each recovered chargeback (pricing) | $49, $99 or $149 a month, by volume |
| When you pay | Only when a chargeback is recovered | Every month, whatever the outcome |
| Share of a won dispute you keep | 75% | 100% |
| Prevention alerts | Sold separately, per deflected chargeback | Not offered |
| Free trial | Pay on results, so no upfront cost | 14 days, no card |
Percentage pricing costs nothing in a month with no wins. That is a real advantage when disputes are rare or small. It gets expensive as wins grow: on $10,000 of recovered disputes a month, a 25% fee is $2,500 a month, or $30,000 a year. Flatfight's top plan is $149 a month, with unlimited disputes.
A rough rule: if you recover more than about $200 a month, flat pricing costs less than 25% ($49 is 25% of $196). Run your own numbers with the free calculator.
What each tool does
| Chargeflow | Flatfight | |
|---|---|---|
| Processors and platforms | Many, including Stripe, Shopify, PayPal and Adyen | Stripe only |
| Evidence sources | Integrations with shops, carriers, helpdesks and CRMs (Chargeflow cites "50+ sources") | Stripe data, plus your product's activity log via API or CSV, your policies and customer messages |
| Who submits | Automated | You approve each package. Optional autopilot submits only strong cases, 48 hours before the deadline |
| Weak cases | Not stated | Scored openly. Weak cases come with a recommendation to accept and save the counter fee |
| AI-written text | Yes | Yes, with every sentence tied to a fact and checked before you see it |
| Data location | See Chargeflow's privacy policy | EU (Helsinki, Finland) |
Chargeflow markets itself as the chargeback app recommended by Stripe, and it is an established product. Flatfight is a small, focused tool from a Finnish software business. We think that's the honest picture, and you should weigh it.
Who Flatfight is for
Flatfight fits best if you:
- sell digital products or services through Stripe: SaaS, online courses, memberships, coaching, agencies;
- have disputes worth fighting: annual plans, high-ticket programmes, retainers;
- can show what the customer did after paying: logins, lessons completed, downloads, features used. That evidence decides most "fraudulent" and "product not received" claims for digital goods, and Stripe can't see it on its own;
- want to see and approve what goes to the bank.
It's a poor fit if you use processors other than Stripe, rely on shipping evidence for physical goods, or want prevention alerts. Chargeflow, or Stripe's own Smart Disputes, will serve you better there.
Switching
Setup takes a few minutes, and you can try Flatfight on your existing disputes before you change anything.
- Start a free trial and connect Stripe. Flatfight imports your last 12 months of disputes.
- Choose who responds to new disputes. Evidence can usually be submitted only once per dispute, so make sure only one tool responds to each one: turn off automatic submission in the tool you're leaving, and Smart Disputes auto-submission in Stripe (Settings → Disputes).
- Send your activity data. Add logins and usage through the API or a CSV export, and paste your refund and cancellation policies once.
- Review your first draft. Each open dispute gets an evidence package and a score. Submit it when you're happy with it.
Disputes your previous tool already submitted stay with that tool until the bank decides them.