Stripe PartnerCryptographic proof for events
that get challenged later.
Done-for-you Stripe chargeback defense. We fight the dispute and submit cryptographic evidence in under a minute. 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.
Revenue protection at every stage
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
Smart retries timed to paydays. Psychology-enhanced dunning emails. Card update pages. Payment plans. Catches revenue before it 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
Smart retries timed to paydays. Psychology-enhanced dunning emails. Card update pages. Payment plans. Catches revenue before it 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 Smart Disputes launches in June 2026. Their fee: 30% per won dispute. CertNode Reflex does the same thing at half the cost, with pre-dispute evidence that Stripe doesn't capture.
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 all six evidence points at payment time with 3-layer cryptographic timestamps (CertNode instant signature, RFC 3161 TSA, Bitcoin OpenTimestamps anchor).
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.
Works across 5 platforms
Stripe, Shopify, PayPal, Square, WooCommerce. One defense system across every payment platform you use. Most competitors only work on Stripe.
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.
Stripe Smart Disputes launches June 2026. Get notified with tips to save 50%.
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Or build on the API directly.
The same signing engine is a self-serve API: sign anything — an AI output, an agent action, a document — and get a receipt anyone can verify. EU AI Act Article 50 and FRE 902 framing included.
Sign Claude, OpenAI, or any model with one SDK call.
Three-layer cryptographic timestamps on every output. Multi-model neutral. Designed for compliance teams, AI startups facing enterprise procurement, and legal review of AI-generated content.
100 signings/month free. Then $0.01/signing. Volume discounts auto-apply.
Stripe Smart Disputes launches in June. Be ready.
Install Reflex now and your evidence is already collecting when Smart Disputes goes live. Same defense at half the cost.