Stripe PartnerCryptographic proof for events
that get challenged later.
Logs say what happened. Receipts let someone else verify the record hasn't changed — without trusting your database.
First use case: done-for-you Stripe chargeback defense. We seal the facts at checkout, fight the dispute with cryptographic evidence, and you pay 15% only if we win — $0 otherwise. No monthly fee.
Installs in under a minute. No monthly fee — you only pay when we win a dispute.
Seal the facts at checkout. Defend them later.
Install one app or all three. Each one works on its own. Together they cover the full payment lifecycle.
Evidence Vault
Captures 3D Secure, AVS, CVC, device fingerprint, and IP address on every payment. RFC 3161 timestamped before any dispute exists.
Recover
Decline-code-specific, payday-aware dunning emails plus hosted card-update pages. When the customer fixes their card, Stripe recharges natively — before the failure becomes a chargeback.
Reflex
AI gathers evidence, writes the defense narrative, and submits to Stripe in 60 seconds. Vault evidence included automatically. You only pay when you win.
Evidence Vault
Captures 3D Secure, AVS, CVC, device fingerprint, and IP address on every payment. RFC 3161 timestamped before any dispute exists.
Recover
Decline-code-specific, payday-aware dunning emails plus hosted card-update pages. When the customer fixes their card, Stripe recharges natively — before the failure becomes a chargeback.
Reflex
AI gathers evidence, writes the defense narrative, and submits to Stripe in 60 seconds. Vault evidence included automatically. You only pay when you win.
Use them together and save. Vault drops to $0.02/txn with Reflex. Recover drops to 20% with Reflex. All $0/month.
Stripe charges 30%. We charge 15%.
Stripe prices Smart Disputes at 30% per won dispute. CertNode Reflex does the same job at half the fee, with pre-dispute evidence that Stripe doesn't capture.
What a receipt proves — and what it doesn't.
A CertNode receipt makes precise claims. Knowing exactly where the proof stops is what makes it useful when someone challenges your record.
This receipt proves:
- Who signed the event record (the key and its issuer)
- The exact payload that was sealed
- Whether the payload changed since sealing
- That the payload existed no later than its timestamp(s)
- Whether the signing key was valid (not revoked)
This receipt does not prove:
- That the underlying real-world event was honest
- That a customer understood or agreed in their mind
- That a bank, auditor, or court must accept the evidence
- That the app collected true facts
- That a dispute is automatically won
Don't take our word for it — verify a receipt yourself, offline →
Why merchants switch to CertNode
Evidence before the dispute
Most merchants scramble to find evidence after a chargeback hits. By then, 3D Secure results and device data are stale or gone. Vault captures the evidence available at payment time and seals each receipt with an HMAC-SHA256 integrity seal plus an independent RFC 3161 timestamp, with Bitcoin OpenTimestamps anchoring available on top.
15% on wins, 40% less than alternatives
Reflex success fee is 15%. Chargeflow charges 25%. Disputifier charges 20%. Stripe Smart Disputes charges 30%. You only pay when we win your dispute. (Competitor pricing as of May 2026.)
Dispute-specific narratives
Reflex analyzes your evidence and uses Claude Opus to generate dispute-specific narratives, with citations to Visa Core Rules / Mastercard Chargeback Guide and FRE 902 framing. Tailored per reason code, not templated.
Built for multiple platforms
Stripe is live today; Shopify, PayPal, Square, and WooCommerce are in beta. One defense system designed to span every payment platform you use — most competitors only work on Stripe.
Or build on the CertNode API directly.
Sign critical events as they happen — an AI output, an agent action, a document, a transaction. Anyone can verify the receipt later, anywhere, without trusting the system that produced it.
Sign critical events. Verify them anywhere.
One API call turns an event into a receipt in the published cn-receipt format. Verification runs offline — in your CI, in a browser, on an auditor's laptop — and never has to call us. On npm: @certnode/sdk for signing, @certnode/verify for verification (library + CLI).
100 signings/month free. Then $0.01/signing. Volume discounts auto-apply.
Published spec
cn-receipt v1 — the open receipt format, published in full.
Conformance vectors
Test vectors any independent implementation can verify against.
Offline verifier
A single HTML file that verifies receipts in your browser.
Transparency log
Public, append-only with non-equivocation (RFC 6962), anchored via RFC 3161 + Bitcoin.
The same proof, wherever a record gets challenged.
Chargebacks are where most merchants start. The same signed, independently timestamped, self-authenticating evidence (built to the FRE 902(13)/(14) standard) defends every dispute that costs you money.
Chargebacks
Win Stripe disputes with pre-dispute cryptographic evidence. 15% only on wins.
Agentic commerce
Prove an AI-agent purchase was authorized when the cardholder disputes it.
Returns & warranty
Signed proof of item condition at ship and return — deny false claims.
AI agent actions
Cryptographic receipts for what your AI agents did, scoped to a human authorization.
Get updates on Stripe Smart Disputes — and how to pay half its fee on every won dispute.
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The facts you seal today defend tomorrow's disputes.
Install Reflex now and your evidence is already collecting before the next chargeback hits. Same defense as Stripe Smart Disputes, at half the fee.