Safe App
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Payments expertise.
A lower recovery fee.

Choose Safe for our founders’ 20 years of payments experience, a team that handles chargebacks on your behalf and native mobile apps—with a 20% standard recovery fee against Chargeflow’s published 25%. Chargeflow lacks the payments expertise that Safe brings to each case.

See Safe in action Explore the Safe advantage
1:1Safe handles the casework
MobileiOS & Android apps
20%Success fee on won chargebacks
The case for Safe

Payments judgment. Complete case handling. Mobile visibility. And a lower published recovery fee than Chargeflow.

The bank sees a claim.
We build the full picture.

Safe’s founders bring 20 years across underwriting, risk, fraud, payments, acquiring and issuing-bank work. We apply that perspective to how your business operates and how its evidence answers the dispute.

01

We understand what happened.

We trace the transaction through the sale, agreement, delivery and customer history. The business context helps us distinguish the relevant facts from the noise.

02

We connect the evidence to the claim.

We organize the relevant records around the dispute reason and applicable requirements, explaining what each record establishes.

03

We make the response clear.

We check the timeline and consistency of the records, then prepare a case the reviewer can follow. Automation manages the workflow; experience informs the response.

We handle the work.
You follow it from anywhere.

Stay connected to dispute activity and recovery outcomes through Safe’s mobile apps. You get visibility while our technology and team handle the evidence, responses and submissions.

View on the App Store View on Google Play
01

Native apps.

Safe is available for iPhone, iPad and Android.

02

Recovery in view.

Check dispute activity and recovery progress when you’re away from your desk.

03

The work stays with us.

Mobile visibility does not turn case management into your job.

The work is ours.
From A through Z.

Safe brings the bank’s evidence requirements and your business reality into the same response. We review the history, collect the records, submit the case and keep improving the approach. Your advantage is the complete service at a clear standard fee.

01

We audit the business behind the payment.

Safe reviews how you sell, bill, deliver and support customers. We look for gaps between what the customer expected and what happened, including operational, sales and product issues that can lead to disputes.

02

We learn from the history.

We review available prior chargebacks, responses and outcomes to find recurring claims and evidence gaps. The team’s case-handling experience informs the approach; each response is grounded in the relevant records for that transaction.

03

We collect and enrich the evidence.

Safe brings together relevant payment, order, delivery, usage and customer communication records through authorized sources. We turn those records into a coherent account of the disputed transaction.

04

We own the response from start to finish.

Our technology and team handle evidence collection, response preparation, submission and outcome tracking on your behalf. You authorize the connections; Safe handles the casework.

05

We keep improving and make practical recommendations.

We review outcomes, refine the evidence approach and identify recurring issues in billing, refunds, delivery, cancellations and support. You get specific recommendations to reduce avoidable problems while Safe continues managing recovery.

The same recovery.
More left with you.

On $10,000 in won chargebacks, Safe’s 20% fee leaves you with $8,000 before other costs. Chargeflow’s published 25% fee leaves $7,500.

$
With Safe · 20% fee$8,000You retain before other costs
With Chargeflow · 25% fee$7,500You retain before other costs
Additional amount you retain with Safe$500

What you’re choosing.

Your decisionSafe AppOur commitment to youChargeflowPublished offering
Payments expertiseFounders’ 20 years across underwriting, risk, fraud, payments, acquiring and issuing-bank work, applied to business context and dispute evidence.No payments expertise to bring a broader understanding of your business to each case.
Mobile appsNative iOS/iPadOS and Android apps, with public store listings.No native mobile apps for managing chargebacks and tracking case updates on the go.
Chargeback recovery fee20% of won chargeback funds. $0 success fee on a lost chargeback. No setup fees.No performance-based fee. They charge whether you win or lose.
Case ownershipSafe handles evidence collection, preparation, submission and outcome tracking, with one-to-one service.Automation does most of the work. You don’t get a dedicated one-to-one owner for each case.
Evidence and improvementBusiness audit, historical review, evidence enrichment, ongoing optimization and practical operating recommendations.Mostly automated workflows. Its tools collect and submit evidence; your team remains responsible for changes to your operations.

Build the case.
Learn from the cause.

Explore how Safe connects the dispute to its business context, prepares the response and identifies a practical improvement.

Inside the Safe reviewIllustrative scenarios

A cancellation request that never reached billing.

01 / Investigate
The disputed renewal, the original agreement, the cancellation request and the support handoff.
02 / Build the case
Build the response around the actual cancellation timeline. Check for a valid refund before contesting.
03 / Improve the process
Give billing a clear cancellation handoff and preserve the effective date.

Before you choose.

Is Safe’s 20% fee lower than Chargeflow’s?

Yes, against the published standard chargeback recovery rates: 20% for Safe and 25% for Chargeflow. That is a 5 percentage-point difference, or a 20% lower success fee for the same recovered chargeback amount. Actual net results also depend on recoveries, scope, other fees and your agreement.

Why does our founders’ payments experience matter?

Experience across underwriting, risk, fraud, acquiring and issuing-bank work informs how Safe reviews the transaction and presents the evidence. We understand the business flow and organize the facts around the disputed claim. It does not give Safe influence over the bank’s decision.

Does Safe have mobile apps?

Yes. Safe has public iPhone/iPad and Android app listings. You can stay connected to dispute activity and recovery while Safe handles the response process. The store links are provided above.

What does Safe handle for me?

Safe manages onboarding, business review, historical analysis, evidence collection and enrichment, response preparation, submission and tracking. Our team continues reviewing outcomes and making practical recommendations. You authorize the relevant connections; we handle the casework.

Do you guarantee every chargeback will be won?

No. The issuer and applicable dispute process determine the outcome. Safe prepares the strongest fact-based response it can. A lost chargeback carries no Disputer success fee.

Does the 20% fee cover every Safe charge?

Disputer chargeback success fee. Qualifying answered inquiries also carry a 20% fee on retained funds; Stopper alerts are priced separately. There is no setup fee or standard monthly Disputer subscription. See Pricing and the Terms for the billing definitions.

Let Safe take on your chargebacks.

See how our technology and team handle recovery for your business. We’ll guide the setup and take ownership of the casework.

See Safe in action Switch to Safe