Kloutit
AI solutions for automated chargeback management in e-commerce
Website: https://kloutit.com/
Cover Block
PUBLIC
| Field | Value |
|---|---|
| Name | Kloutit |
| Tagline | AI solutions for automated chargeback management in e-commerce |
| Headquarters | Barcelona, Spain |
| Founded | 2024 |
| Stage | Seed |
| Business Model | SaaS |
| Industry | Fintech |
| Technology | AI / Machine Learning |
| Geography | Western Europe |
| Growth Profile | Venture Scale |
| Founding Team | Co-Founders (3) |
| Funding Label | Seed |
| Total Disclosed | ~$568,000 (€540,000) [Cinco Días, Dec 2024] |
Links
PUBLIC
- Website: https://kloutit.com/
- LinkedIn: https://es.linkedin.com/company/kloutittech
- Crunchbase: https://www.crunchbase.com/organization/kloutit
- PitchBook: https://pitchbook.com/profiles/company/641290-51
Executive Summary
PUBLIC
Kloutit is a Barcelona-based fintech building AI software that automates chargeback defenses for e-commerce merchants, a back-office cost center that quietly erodes online retail margins and has historically been handled by manual operations teams or expensive specialist vendors [EU-Startups, Dec 2024]. The company was founded in 2024 by Albert Algarra (CEO), Alexis Pairetti (CTO), and Adrián Algarra (CPO), and closed a €540,000 (approximately $568,000) seed round in December 2024 with participation from Lanai Ventures, BStartup10 (Banco Sabadell's program), and a group of angels including Axel Serena, Manuel Roca, Ricardo Fernandez, and Daniel Romy [Cinco Días, Dec 2024] [Tracxn]. Its product ingests dispute data directly from payment processors and generates personalized written defenses in under 30 seconds using proprietary algorithms, a workflow the founders describe as the first fully automated AI-based chargeback defense tool [Cinco Días, Nov 2024]. Albert Algarra previously served as a Head at Stayforlong, a Spanish online travel platform where chargeback exposure is a structural cost of doing business, while Pairetti's prior work at Basetis covers the full-stack engineering layer [Crunchbase]. By February 2026, Spanish business press reported the company had passed 190 customers, an early but tangible commercial signal for a product less than 18 months out of launch [Cinco Días, Feb 2026]. Over the next 12 to 18 months, the questions worth tracking are whether Kloutit can extend beyond Spain into the broader European e-commerce base, whether win-rates on disputed cases hold up against the larger US-funded incumbents, and whether the modest seed round buys enough runway to a Series A on improving unit economics rather than on burn.
Data Accuracy: GREEN -- Confirmed by Cinco Días, EU-Startups, Crunchbase, PitchBook, and Tracxn.
Taxonomy Snapshot
| Axis | Value |
|---|---|
| Stage | Seed |
| Business Model | SaaS |
| Industry / Vertical | Fintech / E-commerce infrastructure |
| Technology Type | AI / Machine Learning |
| Geography | Western Europe (Spain HQ) |
| Growth Profile | Venture Scale |
| Founding Team | Three co-founders |
| Funding | Seed, ~$568K disclosed |
Company Overview
PUBLIC
Kloutit was incorporated in 2024 in Barcelona by Albert Algarra, Alexis Pairetti, and Adrián Algarra, with a focus on the narrow but expensive problem of chargebacks in online commerce [Cinco Días, Nov 2024]. Chargebacks occur when a cardholder disputes a transaction with their issuing bank; the merchant is debited, must assemble evidence (order records, delivery proofs, customer communications, IP and device data) and submit a written defense within tight processor deadlines, typically through Visa's or Mastercard's dispute frameworks. The founders' stated thesis, articulated in the company's November 2024 launch coverage, is that this process has remained largely manual or only partially templated, and that a purpose-built AI agent connected directly to the payment processor can compress the response cycle to seconds while improving win-rates [Cinco Días, Nov 2024].
The company's first publicly reported milestone was its November 2024 product launch, positioned in Spanish trade press as "the first specialized tool in the world with proprietary algorithms, automated and based on AI" for chargeback defense, a claim sourced to the company itself [Top Emprendedores, Nov 2024]. One month later, in December 2024, Kloutit closed its €540,000 seed round with Lanai Ventures and BStartup10 (the Banco Sabadell early-stage program) named in the press release alongside several angels [Cinco Días, Dec 2024] [El Referente, Dec 2024]. By February 2026, Cinco Días reported the company had crossed 190 customers, suggesting the product moved from launch to paid commercial traction inside roughly 15 months [Cinco Días, Feb 2026].
Data Accuracy: GREEN -- Confirmed by Cinco Días, El Referente, Top Emprendedores, and Crunchbase.
Product and Technology
MIXED
Kloutit's product is a SaaS application that connects to a merchant's payment processor, detects and records incoming chargebacks the moment they are issued, and then auto-generates a personalized written defense package for the merchant to submit to the issuing bank [Kloutit website, retrieved 2026] [PUBLIC]. According to the company's own marketing copy, the system "generates personalized defenses" rather than relying on static templates, and turnaround on a draft defense is described in press coverage as "under 30 seconds" [EU-Startups, Dec 2024] [PUBLIC]. The headline differentiation claim, that Kloutit is "the first specialized tool in the world" with proprietary algorithms for fully automated AI chargeback defense, originates with the company and was repeated in Spanish trade press without independent verification, and should be read as a positioning claim rather than an established market fact [Cinco Días, Nov 2024] [PUBLIC].
The technical architecture has not been disclosed in detail. What can be inferred from the public surface is that the product requires processor-level integration (named partners are not disclosed in the cited coverage), a document-generation layer that incorporates merchant-specific evidence such as order history, shipping confirmations, and customer communications, and a model layer that adapts language and argumentation per dispute reason code. CTO Alexis Pairetti's prior tenure at Basetis as a Senior Fullstack Analyst/Developer and Technical Lead suggests the engineering culture leans full-stack and pragmatic rather than research-heavy [Crunchbase] [PUBLIC]. No public job postings were surfaced from the careers page or major ATS hosts at the time of research, so a deeper read on the stack from hiring signals is not available.
What is genuinely interesting from a product standpoint is the combination of two design choices. First, the direct payment-processor ingestion shortens the time between dispute notification and merchant response, which matters because card-network deadlines are short and missed deadlines auto-lose. Second, generating prose defenses with a language model fits the task well: dispute representment is fundamentally a structured-writing exercise where evidence has to be marshaled into a narrative the issuing bank's reviewer will accept. Whether Kloutit's win-rates beat the larger, better-capitalized incumbents is the empirical question the company has not yet published data on.
Data Accuracy: YELLOW -- Product workflow confirmed by EU-Startups, Cinco Días, and Kloutit website; technical architecture details not independently verified.
Market Research and Opportunity
PUBLIC
Chargeback management sits at the intersection of two large, growing flows: global card-not-present e-commerce volume and the dispute and fraud overhead that rides on top of it. The category matters now because dispute volumes have been climbing in step with online retail, and merchants increasingly treat representment win-rate as a P&L line rather than a back-office nuisance.
Kloutit's own seed coverage does not cite a third-party TAM figure, and no specific market sizing is present in the captured research. What can be said with confidence from public knowledge of the category is that chargeback management is an established software niche with at least three well-funded specialist vendors operating internationally (Chargeflow, Justt, Chargebacks911), several payments platforms offering native dispute tools (Stripe Radar's chargeback workflows, Adyen's RevenueProtect, Braintree's dispute APIs), and a long tail of merchant-side teams still handling representment manually inside spreadsheets or ticketing tools. The structural demand drivers are familiar: the steady mix-shift of retail to card-not-present transactions, the rise of subscription and digital-goods business models that attract higher friendly-fraud rates, and the expansion of buy-now-pay-later and instant-payment rails that create new dispute surfaces.
Regulation is a meaningful tailwind in Europe specifically. PSD2's strong customer authentication requirements have reshaped the liability map between issuers and merchants, and the upcoming PSD3 / PSR proposals continue to evolve dispute and fraud responsibility allocation. For a Barcelona-headquartered vendor, proximity to European regulatory developments and to Spanish-language merchants in Iberia and Latin America is a genuine distribution wedge, even if the larger English-language market remains dominated by US-funded competitors.
The adjacent and substitute markets matter for any exit thesis. Payment processors themselves are the most credible substitute: if Stripe, Adyen, or a regional acquirer ships a sufficiently good native dispute agent, the standalone category compresses. Conversely, the same processors are the most credible acquirers, since chargeback automation slots cleanly into their existing fraud and risk product lines.
| Reference point | Value | Source |
|---|---|---|
| Kloutit seed round | €540,000 / ~$568,000 | [Cinco Días, Dec 2024] |
| Reported customers (Feb 2026) | 190+ | [Cinco Días, Feb 2026] |
| Stated response time | Under 30 seconds | [EU-Startups, Dec 2024] |
The takeaway: the only confirmed quantitative anchors are Kloutit's own funding and traction figures, which point to early but real commercial pull, while the broader market sizing for AI chargeback management remains undocumented in the cited research and would need to be triangulated from payment-network dispute volumes for any rigorous TAM build.
Data Accuracy: YELLOW -- Company-level figures confirmed by Cinco Días and EU-Startups; market sizing not independently sourced.
Competitive Landscape
MIXED
Kloutit enters a category that already has three internationally funded specialists and a set of payment-platform incumbents who treat dispute management as a feature, not a product.
| Company | Positioning | Stage / Funding | Notable Differentiator | Source |
|---|---|---|---|---|
| Kloutit | AI-automated chargeback defense, processor-integrated, sub-30-second response generation | Seed, ~$568K disclosed | Spain/EU-native; full automation claim; 190+ customers reported | [Cinco Días, Dec 2024] [Cinco Días, Feb 2026] [PUBLIC] |
| Chargeflow | Fully managed, success-fee chargeback automation for Shopify and broader e-commerce | Venture-funded; US-based | Scale of merchant install base, success-fee pricing model | [Tracxn] [PUBLIC] |
| Justt | AI-driven chargeback mitigation for enterprise merchants | Venture-funded; Israel/US | Enterprise focus, custom evidence-building per merchant | [Tracxn] [PUBLIC] |
| Chargebacks911 | Established managed-service and software hybrid for dispute management | Long-established; private | Decade-plus operating history, deep issuer relationships | [Tracxn] [PUBLIC] |
The segment-by-segment map is reasonably clean. At the top end, Chargebacks911 plays as the long-incumbent managed-service hybrid with the deepest institutional knowledge of issuer behavior. In the venture-funded specialist tier, Chargeflow has built the most visible Shopify-merchant footprint and uses success-fee pricing that lowers buyer friction, while Justt has positioned more aggressively into the enterprise mid-market with custom evidence builds. Adjacent to all three sit the payment platforms themselves (Stripe, Adyen, Braintree) whose native dispute tools are improving year-over-year and whose distribution advantage is, for many SMB merchants, decisive.
Kloutit's defensible edge today rests on three thinner but real foundations. First, geographic and linguistic proximity: a Barcelona team with Spanish-language sales and support has a structural advantage in Iberian and Latin American merchant segments that the US-funded incumbents do not prioritize. Second, the speed-of-response claim, sub-30-second draft generation, if it holds up under audit, addresses the practical problem that issuer deadlines are short and merchant operations teams are slow. Third, the early customer count of 190+ inside roughly 15 months suggests a sales motion that works at small-merchant ACVs without heavy enterprise overhead [Cinco Días, Feb 2026]. Each of these edges is perishable: language coverage is a six-month engineering project for a better-capitalized competitor, response-time gaps narrow as everyone adopts similar model architectures, and SMB customer counts can be matched by any vendor with a Shopify app-store presence.
The most acute exposure is capital asymmetry. Chargeflow and Justt have raised at materially higher levels than Kloutit's disclosed €540K seed, which translates into more engineering hours, more processor integrations, and more outbound sales capacity. The other exposure is processor co-option: if Stripe or Adyen ships a competent native AI dispute agent into their existing merchant base, the standalone category contracts toward enterprise edge cases. Kloutit does not yet own a processor channel, a marketplace channel (such as a top-three Shopify app slot), or a regulatory standard, which are the three durable distribution moats in this category.
The most plausible 18-month scenario reads as follows: Kloutit wins if it locks in Iberian and LatAm Spanish-language merchant share fast enough to make itself the obvious regional acquisition target for either a payment platform or a larger English-language specialist, with the 190-customer base growing into the 1,000+ range and a Series A closed on visible net revenue retention. Kloutit loses ground if a US-funded competitor launches a localized Spanish product before the Series A closes, or if a major processor's native dispute tool absorbs the SMB merchant tier the company currently sells into.
Data Accuracy: YELLOW -- Competitor identities confirmed via Tracxn and Crunchbase; relative funding and product depth comparisons drawn from publicly available competitor profiles, not from a head-to-head benchmark.
Opportunity
PUBLIC
If Kloutit executes, the prize is becoming the default chargeback-defense layer for European and Spanish-speaking e-commerce, a position that historically has been worth a nine-figure exit to a payment platform or a specialist roll-up.
The headline opportunity. The single largest plausible outcome is Kloutit becoming the embedded AI dispute layer for the European mid-market, the vendor that regional acquirers, neobanks, and vertical e-commerce platforms route their merchants to when those merchants need real chargeback defense rather than a templated form. The cited evidence supporting reachability is narrow but directionally positive: a working product with processor-level ingestion, a stated sub-30-second response cycle, 190+ paying customers within 15 months of launch, and a syndicate that includes Banco Sabadell's BStartup10 program, which gives a credible thread into Spanish banking distribution [Cinco Días, Feb 2026] [Cinco Días, Dec 2024]. None of that guarantees the outcome, but it is the kind of early shape a category-leading regional vendor tends to have at month 15.
Growth scenarios.
| Scenario | What happens | Catalyst | Why it's plausible |
|---|---|---|---|
| Iberia + LatAm default | Kloutit becomes the standard chargeback tool for Spanish-language merchants on Shopify, WooCommerce, and regional acquirers | A distribution deal with Banco Sabadell's merchant book or a top-tier Shopify app-store placement | BStartup10 backing puts Sabadell inside the cap table [Capital-Riesgo.es, Dec 2024]; 190+ customers prove the SMB motion works [Cinco Días, Feb 2026] |
| Processor partnership | A European acquirer or PSP white-labels Kloutit as its native dispute agent | Pilot with a regional processor converts to an OEM deal | Processors face merchant pressure to ship dispute automation but lack specialist focus; Kloutit's processor-level ingestion is already built [EU-Startups, Dec 2024] |
| Vertical wedge into travel and digital goods | Kloutit dominates chargeback defense for high-dispute verticals (OTAs, subscription, digital content) before going horizontal | A reference customer in travel, plausibly leveraging CEO Albert Algarra's Stayforlong network, anchors the segment | CEO's prior Head role at Stayforlong gives domain credibility in a vertical with structurally high chargeback exposure [Crunchbase] |
What compounding looks like. The flywheel in chargeback defense is data: every dispute Kloutit defends, win or lose, teaches the model which arguments work for which reason codes, which issuers, and which merchant categories. A vendor that processes ten times more disputes than its competitors should produce materially better win-rates, which directly compounds into customer retention because chargeback tools are bought on recovered-dollar ROI rather than on feature lists. The 190-customer base is small in absolute terms but represents the start of that data accumulation, and the processor-level integration means Kloutit captures structured dispute data rather than merchant-uploaded PDFs [Cinco Días, Feb 2026] [Kloutit website, retrieved 2026]. Distribution lock-in is a second compounding axis: once a merchant routes its dispute pipe through a vendor, switching is operationally painful, which is why incumbent chargeback vendors retain customers for years.
The size of the win. A credible comparable for the category exit is Kount's 2021 acquisition by Equifax for approximately $640 million, a fraud-and-dispute platform sold into a financial-data incumbent; specialist chargeback vendors with strong merchant penetration have historically attracted similar strategic interest from payment platforms and credit-data players. If Kloutit reaches the Iberia-plus-LatAm-default scenario above with a material book of recurring revenue, a strategic exit in the nine-figure range to a European payment platform or a global specialist roll-up is the kind of outcome the category has previously rewarded (scenario, not a forecast). The bear case, that the company tops out as a regional Spanish-language tool acquired for a modest multiple, is also achievable on the current trajectory and would still represent a respectable seed-stage outcome given the €540K cost basis [Cinco Días, Dec 2024].
Data Accuracy: YELLOW -- Scenario logic grounded in cited Kloutit traction figures and publicly known category exit comparables; specific outcome paths are analyst constructions, not company guidance.
Sources
PUBLIC
[Cinco Días, Dec 2024] La startup Kloutit cierra una ronda con Lanai Ventures y BStartup 10 | https://cincodias.elpais.com/companias/2024-12-19/la-startup-kloutit-cierra-una-ronda-con-lanai-ventures-y-bstartup-10-para-su-tecnologia-de-ia-en-comercio-electronico.html
[Cinco Días, Nov 2024] La startup española Kloutit lanza su IA para hacer frente a los contracargos | https://cincodias.elpais.com/companias/2024-11-14/la-startup-espanola-kloutit-lanza-su-ia-para-hacer-frente-a-los-contracargos-en-el-comercio-electronico.html
[Cinco Días, Feb 2026] Kloutit se hace fuerte en la IA para resolver contracargos en el comercio electrónico y supera los 190 clientes | https://cincodias.elpais.com/companias/2026-02-24/kloutit-se-hace-fuerte-en-la-ia-para-resolver-contracargos-en-el-comercio-electronico-y-supera-los-190-clientes.html
[EU-Startups, Dec 2024] Under 30 seconds: Kloutit raises €540k to develop AI chargeback management tool | https://www.eu-startups.com/2024/12/under-30-seconds-kloutit-raises-e540k-to-develop-chargeback-management-with-ai/
[Economia3, Jan 2025] Kloutit, la herramienta de IA que defiende de los contracargos | https://economia3.com/2025/01/29/689494-kloutit-herramienta-ia-defiende-ecommerce-contracargos/
[Top Emprendedores, Nov 2024] Nace Kloutit, la primera herramienta del mundo de defensa de chargebacks 100% automatizada y basada en IA | http://www.topemprendedores.es/2024/11/14/nace-kloutit-la-primera-herramienta-del-mundo-de-defensa-de-chargebacks-100-automatizada-y-basada-en-ia/
[El Referente, Dec 2024] Kloutit levanta una ronda de 540.000€ | https://elreferente.es/inversiones/kloutit-levanta-una-ronda-de-540-000e-liderada-por-lanai-ventures-y-bstartup-10/
[Capital-Riesgo.es, Dec 2024] Kloutit levanta una ronda de 540.000€ liderada por Lanai Ventures y BStartup 10 | https://capital-riesgo.es/en/articles/kloutit-levanta-una-ronda-de-540-000-liderada-por-lanai-ventures-y-bstartup-10/
[BeBeez International, Dec 2024] Under 30 seconds: Kloutit raises €540k to develop AI chargeback management tool | https://bebeez.eu/2024/12/19/under-30-seconds-kloutit-raises-e540k-to-develop-ai-chargeback-management-tool/
[Crunchbase] Kloutit company profile | https://www.crunchbase.com/organization/kloutit
[Crunchbase] Albert A. - CEO and Co-founder, Kloutit | https://www.crunchbase.com/person/albert-a-d725
[Crunchbase] Alexis Moya - CTO and Co-Founder, Kloutit | https://www.crunchbase.com/person/alexis-moya
[PitchBook] Kloutit 2026 Company Profile: Valuation, Funding and Investors | https://pitchbook.com/profiles/company/641290-51
[Tracxn] Kloutit - 2025 Company Profile, Funding and Competitors | https://tracxn.com/d/companies/kloutit/__X-u0G_dsFliWNZwEjyrTW0oICjJWqXvsWzLjvY_kQs0
[Kloutit website, retrieved 2026] Kloutit | Recover Revenue from Chargeback Disputes | https://kloutit.com/
[LinkedIn] Kloutit company page | https://es.linkedin.com/company/kloutittech
[LinkedIn] Alexis Pairetti Moya profile | https://es.linkedin.com/in/alexispm
[LinkedIn] Adrián Algarra profile | https://www.linkedin.com/in/adri%C3%A1n-algarra-98901114/
Articles about Kloutit
- Kloutit Is Going After Every Chargeback Email Sitting in a Spanish Merchant's Inbox — The Barcelona seed-stage fintech says it has crossed 190 e-commerce customers with an AI that drafts dispute defenses in under 30 seconds.