A more streamlined and positive future is in store for business owners who deal with chargebacks and creator monetization, thanks to automation, deep integrations, and explainable AI. Modern technology exists that should remove the friction and give clients the ability to scale without operational drag.
How Chargeblast Automates Chargebacks
Lesley Li, the Head of Partnerships at Chargeblast and CEO and Founder of Lumina Media, has a hybrid background at the intersection of technology, product, and partnerships. Her early days in the business world were full of negative thoughts from people she met in the business networking world, on their opinions about automation and chargebacks.
"When I first entered the chargeback space, I realized the real bottleneck wasn't complexity—it was fragmentation," Li said. "The data, the evidence, and the decision logic already existed. What was missing was infrastructure that could connect them and execute consistently at scale." Within a few years, the Chargeblast team had built a system that receives an alert, gathers evidence, decides the best action using AI-driven rules, and files it automatically. Out of the gate, it was faster than a human could open the case. The team knew, from that moment, that legacy problems with automated disputes can be solved with modern infrastructure, and a big investment in creator economy infrastructure was warranted. Her work with Chargeblast has focused on global partnerships and product-aligned integrations with major payment processors such as Stripe, Adyen, Checkout.com, and Airwallex, and big successes with Mastercard.
The platform serves over 5,000 merchants and protects more than $10 billion in annual transaction volume through automated chargeback mitigation. At the same time, she works as CEO and Founder of Lumina Media, a creator-economy agency representing high-growth influencers, with a dedicated goal to help them build scalable businesses using technology and brand partnerships.
One of the first questions a potential customer might have is how they can scale their transactions using these solutions and work them into their normal business operations. AI in fintech works at scale if it's explainable and easily understood by the customer, Li said. Everything built by Chargeblast is transparent and auditable, as part of the normal effort to earn trust from processors, merchants, and creators. A big goal is to never sacrifice accuracy or trust while building systems that automatically solve complex problems.
Solving Real-Time Problems with Capable Solutions
In fintech, chargebacks were being treated as a manual back-office task and not as a technology problem that needed to be addressed. Li wanted to change the scenario so that automation and API-driven infrastructure could solve chargebacks at the processor level by focusing on API-first integrations. On another front, in the creator economy, talented influencers had no access to business strategy or scalable systems. The talent was there without the best business environment. Li built a company that could turn influence into true enterprises. These two needs motivated her to create an infrastructure that empowered others.
Visa's VAMP Driving Innovation
As customers consider the drive to streamline chargeback automation management, the business world is continuing to adopt more aggressive efforts to protect their own and customers' interests. One excellent example is Visa's VAMP (Visa Acquirer Monitoring Program) to make payments safer and more efficient thanks to unified processes with advanced payment processor technology. This creates better security for consumers and adds advanced fraud prevention technology such as Visa Account Attack Intelligence (VAAI).
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