Shield
Prevent disputes before they happen. Strengthen your defense when they do.
Managed chargeback protection for high-ticket businesses. Cryptographic evidence chains deter disputes. Custom integrations, dedicated support, we handle everything.
Fixed Annual Pricing
No success fees. Predictable costs that don't scale with your disputes.
Priced by Service Level
Based on integrations and support needs, not transaction volume
Shield vs Reflex
Two products for different needs. Both protect your revenue.
⚡ Reflex
Self-serve • 20% success fee
- •Stripe-only integration
- •Automated AI dispute responses
- •Pay only when you win
- •Any ticket size
- •5-minute setup
🛡️ Shield
Managed • $25K+/year fixed
- •12+ platform integrations
- •White-glove onboarding
- •Dedicated success manager
- •Monthly strategy sessions
- •Custom integrations included
Not sure which to choose? If you use Stripe and want to get started fast, try Reflex first. If you need custom integrations and dedicated support, Shield is for you.
The Best Chargeback is the One That Never Happens
"When customers know everything is cryptographically documented, disputes don't happen."
Transparency as Deterrent
When customers see that every interaction is signed and timestamped with RFC 3161 compliant proof, fraudulent chargebacks drop.
This follows the "observer effect" principle in behavioral science — behavior changes when people know it's being documented.*
*Originally observed in workplace productivity studies (Mayo, 1933). Applied here: customers who know transactions are cryptographically recorded are less likely to file fraudulent disputes.
Complete Evidence Chain
Shield doesn't just create receipts. It builds a complete chain of custody: Purchase → Access → Engagement → Completion.
Every touchpoint is cryptographically linked. No gaps in your evidence.
The Shield Approach
Shield is designed to reduce disputes before they're filed. When customers know the truth is cryptographically recorded, fraudulent disputes become harder to pursue.
Shield is a new product. Results will vary based on business type, customer base, and dispute reasons.
25 Psychological Mechanisms at Work
Shield isn't just documentation — it's behavioral design. Here's the psychology behind why cryptographic proof reduces disputes.
PRIMARYCore Deterrence Mechanisms
1. Observer Effect
Behavior changes when people know they're being observed or documented.
Mayo (1933), Hawthorne Studies
2. Deterrence Theory
The perceived certainty of consequences reduces unwanted behavior more than severity.
Beccaria (1764), Becker (1968)
3. Commitment & Consistency
People want to behave consistently with prior commitments (signed ToS, acknowledgments).
Cialdini (1984), Influence
4. Loss Aversion
Losing feels ~2x worse than gaining feels good. Fraud risks losing the dispute + reputation.
Kahneman & Tversky (1979), Prospect Theory
5. Cognitive Dissonance
Discomfort from holding contradictory beliefs. Disputing while having signed acknowledgments creates internal conflict.
Festinger (1957), A Theory of Cognitive Dissonance
PRE-TRANSACTIONBefore the Purchase
6. Pre-Commitment
Explicit agreements before transaction (ToS checkboxes, acknowledgments) create binding expectations.
7. Anchoring Effect
First information (refund policy, terms) sets expectations for the relationship.
8. Procedural Justice
When onboarding feels fair and transparent, customers accept outcomes more readily.
9. Authority Principle
RFC 3161, legal standards, and cryptographic proof carry institutional weight.
10. Reciprocity
Clear, fair terms create sense of obligation. Customers feel they should honor the agreement.
11. Documentation Effect
Written, timestamped records feel more official and binding than verbal agreements.
DURINGDuring the Relationship
12. Accountability Cues
Visible documentation (emails, dashboards) keeps accountability mindset active.
13. Sunk Cost Awareness
Documenting engagement reminds customers of value received, investment made.
14. Endowment Effect
People value what they have more than equivalent gains. Documented access = perceived ownership.
15. Self-Image Consistency
People act consistently with how they see themselves. Documented engagement = invested customer.
16. Transparency Principle
When all parties can see the record, behavior aligns with expectations.
17. Social Proof
Knowing others follow the rules (and disputes are rare) normalizes compliance.
POSTAt Dispute Time
18. Evidence Asymmetry
Party with better documentation has structural advantage. Shield creates that asymmetry.
19. Friction/Transaction Costs
Making fraud harder (evidence exists) reduces its occurrence.
20. Risk Perception
Cryptographic proof makes fraud feel riskier than it would without documentation.
21. Cooling-Off Effect
Knowing documentation exists creates pause before impulsive dispute filing.
22. Attribution Shift
With clear records, customers attribute outcomes to their choices, not merchant fault.
23. Witness Effect
Third-party timestamping (RFC 3161 TSA) feels like having an impartial witness.
SYSTEMSystemic Effects
24. Status Quo Bias
People prefer to keep things as they are. Documented transactions feel "settled" — disputing disrupts status quo.
25. Temporal Discounting
Immediate consequences feel more real. Proof exists NOW, not hypothetically later.
The Compound Effect
Each mechanism alone has modest impact. Together, they create a system where fraudulent disputes become psychologically difficult to pursue. Shield doesn't just win disputes — it prevents them from being filed.
Mechanisms are drawn from behavioral economics, social psychology, and criminology research. Individual results vary based on implementation and customer base.
Who Is Shield For?
Shield is designed for high-value businesses with complex platform stacks
✅ Perfect For
- •Course creators selling $5K-$50K programs
- •Coaches with $1M-$10M+ annual revenue
- •Masterminds and group coaching programs
- •Businesses using Kajabi, Teachable, ClickFunnels, etc.
- •Those who need white-glove service
❌ Not For
- •Stripe-only businesses (use Reflex instead)
- •Businesses preferring success-fee model
- •Under $1M annual revenue
- •Self-service preferred
For Stripe-only businesses: Reflex is faster to set up with no upfront cost.
Calculate Your Revenue at Risk
See how much Shield could save your business
Revenue Protection Calculator
See how much Shield saves your business by preventing chargebacks
Your Business Metrics
Education/training avg: ~1%. High-ticket coaching: 5-20%+ due to high values, subjective outcomes, and friendly fraud.
Your Savings Projection
Every chargeback you prevent = 0.5 months of Shield free
Shield Pricing
Fixed annual pricing. No success fees.
Standard
Elite
Premium
Ready to Get Started?
Schedule a demo with our team to see how Shield protects high-value businesses
White-glove onboarding • Custom integrations • Dedicated support
Contact Sales
Email us at sales@certnode.io
Most demos scheduled within 24 hours