Stripe Verified PartnerYour evidence is ready
before the dispute is filed.
Three Stripe apps that capture proof at payment time, recover failed payments, and win chargebacks with AI. $0/month. 15% on wins only.
Install in under a minute. No credit card required.
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 gone. Vault captures it all at payment time with RFC 3161 timestamps.
Lowest fees in the market
15% success fee on Reflex. Chargeflow charges 25%. Disputifier charges 20%. Stripe Smart Disputes charges 30%. You only pay when we win your dispute.
AI defense narratives
Claude analyzes your evidence and writes dispute-specific narratives with legal language tailored to Visa and Mastercard requirements. Not templates.
Works across 5 platforms
Stripe, Shopify, PayPal, Square, WooCommerce. One defense system across every payment platform you use. Most competitors only work on Stripe.
Accountability infrastructure for payments, AI, and compliance
CertNode's cryptographic proof system extends beyond chargebacks. Capture evidence for AI agent actions, content authenticity, training data provenance, and compliance audit trails.
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.