Reflex for Stripe
Everything you need to know about automatic dispute defense for Stripe
Getting Started
Installation
- Install CertNode Reflex from the Stripe App Marketplace
- Authorize the app to access your Stripe account
- Reflex automatically activates protection for all future transactions
What Happens Next
Once installed, Reflex works automatically:
- Transaction Monitoring: Every payment is tracked with certified timestamps
- Dispute Detection: When a dispute is filed, Reflex is notified immediately
- Evidence Generation: AI analyzes the transaction and generates compelling evidence
- Auto-Submission: Evidence is submitted to Stripe within 60 seconds
How It Works
1. Certified Timestamps
Every transaction is recorded with a certified timestamp using RFC 3161 - the same standard used in legal proceedings. This creates tamper-proof evidence that the transaction occurred exactly when recorded.
2. AI Evidence Generation
When a dispute is filed, AI analyzes the transaction data and generates a compelling narrative tailored to the specific dispute reason. The system considers customer history, authentication data (3DS, CVC, AVS), delivery proof, and cryptographic evidence. A professional evidence PDF is generated and uploaded alongside 21 of 27 available Stripe evidence fields.
3. Automatic Submission
Evidence is automatically formatted for Stripe's Disputes API and submitted within 60 seconds of dispute creation. This includes text evidence, a professional PDF document, and reason-specific fields (cancellation policies, duplicate charge references, refund explanations). No manual intervention required.
4. Visa CE 3.0 Compliance
Reflex automatically formats evidence to comply with Visa's Compelling Evidence 3.0 requirements, matching transaction data across multiple purchases to prove legitimate cardholder activity.
Boost Your Win Rate
Reflex works out of the box, but two optional steps can significantly increase your dispute win rate:
Enable 3D Secure
3D Secure authentication shifts fraud liability to the card issuer. When a customer completes 3DS and later files a fraud dispute, the evidence is significantly stronger. Enable it in your Stripe Radar rules.
Recommended Radar rule: "Request 3DS if 3D Secure is supported for card"
Add Device Fingerprinting
Add a single script tag to your checkout page to capture device fingerprints and IP addresses. This data strengthens fraud evidence by proving transaction consistency across purchases.
Settings
Access settings from your Stripe Dashboard: Apps → CertNode Reflex → Settings.
Configurable Settings
- Contact Email - Where to send dispute alerts (defaults to your Stripe account email)
- Auto-Submit Evidence - Toggle ON for automatic 60-second submission, or OFF to review evidence before submission
- Email Notifications - Get notified about new disputes and outcomes
Always-Active Features
The following features are always enabled:
- Automatic dispute detection - Monitors all disputes in real-time
- AI evidence generation - Creates compelling narratives for every dispute
- Certified timestamps - Legally-recognized proof for all transactions
- Defends all disputes - No threshold, maximum protection
Evidence Generation
What Evidence Is Gathered
Reflex automatically populates 21 of 27 available Stripe evidence fields, plus generates a professional evidence PDF:
- Transaction data: Amount, date, payment method, customer email, billing address
- Authentication: 3D Secure results, CVC verification, address verification (AVS)
- Certified timestamps: RFC 3161 legally-recognized proof of transaction timing
- Customer history: Previous purchases, dispute rate, account age
- Delivery proof: Carrier, tracking number, delivery confirmation
- Reason-specific fields: Cancellation policies, duplicate charge references, refund explanations
- Evidence PDF: Professional multi-page document with executive summary, timeline, and legal framework
Dispute Types Covered
Evidence is tailored to each dispute reason with specialized narratives:
Evidence Strength
Each evidence package is scored based on the quality and quantity of collected evidence:
Dispute outcomes depend on many factors including the card network and issuing bank. Evidence strength indicates the quality of documentation submitted.
Pricing
of recovered revenue
Example: $500 dispute won = $75 fee to CertNode, $425 back to you
Frequently Asked Questions
How quickly is evidence submitted?
Evidence is typically submitted within 60 seconds of Stripe notifying us about a new dispute.
Can I review evidence before it's submitted?
Yes! In Settings, toggle "Auto-Submit Evidence" OFF to review evidence before submission. You'll be notified when evidence is ready, and can submit after reviewing. With Auto-Submit ON (default), evidence is submitted within 60 seconds.
What dispute types does Reflex handle?
All Stripe dispute types: fraudulent, product not received, duplicate, subscription canceled, credit not processed, and more.
How is the 15% fee calculated?
When Stripe rules in your favor, we calculate 15% of the recovered amount and invoice you at the end of the billing period. Lost disputes cost you nothing.
What makes certified timestamps special?
Our certified timestamps use RFC 3161, an international standard for timestamping. These timestamps are recognized under Federal Rules of Evidence 902(14) and provide irrefutable proof of when a transaction occurred - the same standard used in legal proceedings.