We're building the future of chargeback defense
ChargePilot is an AI-powered platform that protects merchants from chargebacks across every processor they connect — with a person reviewing every response.
Our Story
ChargePilot started with a simple observation: merchants were losing thousands to chargebacks, and the tools available were either too expensive, too opaque, or too manual.
Founded by Samuel Bengisu out of Palm Beach County, Florida, ChargePilot was built from deep research into the dispute ecosystem — reason codes, evidence standards, Visa CE 3.0 requirements, and the psychology of friendly fraud.
After extensive work in fintech, real estate contracts, and dispute resolution, the team saw an opportunity to build something different: a chargeback platform with auditable decisions, no work for the merchant, a person reviewing every response before it is submitted, and fees only for results.
What started as a tool for structured evidence generation evolved into a full AI-powered defense system — stopping chargebacks before they file via Stripe Early Fraud Warning and card-network pre-dispute alerts, and fighting disputes with AI-drafted evidence when they do.
Today, ChargePilot is live on the Stripe App Marketplace, protecting merchants with three layers of automated defense.
Our Values
Transparency First
Audit every decision on your own disputes — see the evidence assembled and the narrative filed on every case. No black boxes.
Only Pay for Results
We put our money where our mouth is. If we don’t recover revenue or prevent a chargeback, you pay nothing.
Automation Over Everything
Set it and forget it. ChargePilot handles prevention and evidence drafting, a person on our team reviews every response, and we submit it before the deadline — no manual work for you.
Technology
- Built on the latest AI models of 2026
- Multi-signal analysis engine
- Visa CE 3.0 evidence for qualifying fraud disputes
- Real-time Stripe integration