About ChargeMate
Built by payments experts
ChargeMate was created by people who have spent years inside the chargeback system — on the bank side, the processor side, and the merchant side.
Our mission
Most merchants either ignore chargebacks or spend hours writing responses that don't match what banks actually require. We built ChargeMate to change that — AI that knows the exact evidence requirements for every Visa, Mastercard, and Amex reason code, so merchants can fight back without hiring a specialist.
Meet the founder
Olga Gavrina
Founder, ChargeMate
Olga has spent 15+ years working across banks, payment aggregators, and merchants in the card payment industry. As a Certified Chargeback Expert, she has helped businesses navigate dispute management, fraud prevention, and compliance with Visa and Mastercard rules.
Before founding ChargeMate, she worked with financial institutions and payment processors, giving her a deep understanding of exactly what issuers and acquirers look for in a dispute response.
ChargeMate was built from firsthand experience of how painful and time-consuming manual dispute responses are — and how much merchants lose by not fighting back.
Connect on LinkedIn →Why we built this
Banks auto-reject responses that don't match their requirements
Banks receive thousands of chargebacks. Responses that don't use the exact terminology or evidence format get auto-rejected — even when the merchant is right.
Hiring a payments specialist costs $70–100k/year
Most merchants don't have a payments specialist on staff. Hiring one costs $70–100k/year. ChargeMate gives you expert-level responses at $10/case.
Enterprise tools aren't built for small merchants
Chargeback management tools built for enterprise (Chargebacks911, Midigator) require months of integration and $1,000+/month. We built something a solo merchant can use in 10 minutes.
What ChargeMate does
- AI trained on Visa, Mastercard, and Amex network rules — matched to your specific reason code
- Works with any payment processor — no API connection required
- $10/case or 20% on wins only — no monthly fees