Friendly fraud is eating e-commerce alive. Mastercard's 2025 report dropped a bomb: 75% of chargebacks are friendly fraud—customers who received their product but claim otherwise. It's up 23% year over year. Reddit is full of desperate sellers: '2025 was the worst year I've ever had... I'm at the point where my store might get flagged.' Chargeflow has 15,000+ merchants and takes 25% of every recovery. That's a lot of money left on the table. A tool with flat monthly pricing and AI-generated evidence packets could undercut them while still capturing serious revenue in the $5.2B chargeback management market.
What People Are Saying
Real voices expressing this pain point
75%+ of chargebacks are friendly fraud, Chargebacks are up 23% YoY, Small businesses are getting hit hardest
2025 was the worst year Ive ever had for this... Im at the point where my store might get flagged. Most are claiming fraud or not receiving product.
📊 Market Evidence
The Market Gap
Chargeflow takes 25% of recoveries. SMB merchants want predictable flat pricing + automated evidence generation.
Revenue Examples
15k+ merchants, likely $1M+ MRR
Established player
🏆 Competitor Landscape
How existing players stack up in this market
| Competitor | Pricing | Notes |
|---|---|---|
| Chargeflow | 25% of recovered amount | 15k+ merchants, success-fee model leader |
| Chargebacks911 | Enterprise | Full service, expensive |
| ChargebackHelp | Custom | CBH+ prevention tools |
| Chargebase | Custom | 20k merchants, newer player |
15k+ merchants, success-fee model leader
Full service, expensive
CBH+ prevention tools
20k merchants, newer player
🛠️ Recommended Tech Stack
Suggested tools and technologies to build this idea
Why this stack: Stripe/payment processor integrations, email parsing, AI evidence generation, dashboard
Score Breakdown
Good market signals with room for growth
Market (20%) + Revenue (20%) + Trend (15%) + Competition (15%) + Build (15%) + Pricing (15%)
9 — Chargeflow 15k+ merchants, Chargebacks911 enterprise presence
8 — Clear revenue model proven, success fees validated
9 — 75% of chargebacks are fraud, 23% YoY growth, $5.2B market by 2030
6 — Chargeflow leads but room for SMB-focused flat-fee alternative
5 — Complex payment integrations, evidence generation AI
7 — Success fee 25% OR flat monthly pricing untested
🚀 Start Building
Copy a prompt into your favorite AI coding tool and start building this idea right now.
Build a SaaS product called "Friendly Fraud Fighter". ## Product Overview AI-powered chargeback defense that auto-generates evidence packages and fights friendly fraud disputes — pay only when you win. ## Problem AI-powered chargeback defense that auto-generates evidence packages and fights friendly fraud disputes — pay only when you win. ## Solution Build Friendly Fraud Fighter ## Target Audience indie hackers, small businesses, and solopreneurs ## Tech Stack - Next.js 15 (App Router) with TypeScript - Tailwind CSS v4 for styling - Supabase for auth, database, and storage - Vercel for deployment - shadcn/ui for UI components - Framer Motion for animations ## MVP Features to Build 1. Landing page with clear value proposition 2. User authentication (sign up, sign in, forgot password) 3. Core product functionality based on the solution above 4. Dashboard for users to manage their data 5. Pricing page with at least 2 tiers (free + paid) 6. Basic settings/profile page ## Known Competitors Chargeflow, Chargebacks911, ChargebackHelp, Chargebase ## Key Risks to Address Standard market entry risks ## Deployment 1. Set up Supabase project and configure environment variables 2. Deploy to Vercel with `npx vercel --prod` 3. Set up custom domain 4. Configure Supabase RLS policies for security ## Instructions Start by creating the project structure, then build the landing page first. Use server components where possible. Make it mobile-responsive from the start. Focus on getting the core value loop working before adding polish.