Reflex

You have 7 days.
We need 60 seconds.

When a chargeback hits, Reflex gathers your evidence, writes the defense narrative, and submits to Stripe automatically. You don't write a response. You don't gather screenshots. You don't miss the deadline.

15% on wins. 40% less than alternatives.

When chargebacks become a real problem

Four situations that push merchants from "I'll handle it manually" to needing automated defense.

Volume crosses a threshold

10+ disputes/month, manually doesn't scale

Each dispute takes 2-4 hours to research, gather, and respond to. At 10/month that's a part-time job. At 30/month it's a full-time role you don't have budget for.

Win rate is below 30%

Boilerplate responses keep losing

Banks reject generic "the customer received the product" responses. Specific evidence (3DS, device, delivery) wins. Manually building that for every dispute is the bottleneck.

Stripe Smart Disputes launches

June 2026: 30% per win, native

Stripe is shipping a 30% native dispute defense product. Reflex is half that (15%) plus pre-dispute evidence (Vault), refund abuse (Sentinel), and 5-platform support. Comparison shopping will spike at launch.

Subscription business

"Forgot to cancel" + "service not as described"

Subscription businesses get hit with disputes 30-90 days after the charge. The customer used the product, then disputed. Evidence has to include usage data, original consent, and renewal terms. Reflex pulls all of it automatically.

Full guide: How to win a Stripe chargeback →