Frequently Asked Questions
Everything you need to know about automated dispute defense
What is CertNode Reflex?
Reflex is an automated dispute defense system that monitors your Stripe account 24/7. When a customer files a chargeback, Reflex automatically gathers cryptographic evidence and submits a compelling defense to Stripe within 60 seconds.
How much does Reflex cost?
Reflex charges a 15% success fee on recovered amounts — the lowest in the industry. You only pay when you win. No monthly fees, no setup costs, no minimum volume.
What's the win rate?
Win rates vary based on dispute type and evidence quality. With strong evidence (certified timestamps + delivery proof + customer history), merchants see significantly improved outcomes compared to the 32% industry average.
Do I need technical knowledge to use Reflex?
No. Installation is one click from the Stripe App Marketplace. Reflex then runs automatically with zero manual work required.
What data does Reflex access?
Reflex reads payment intents, charges, and dispute data from your Stripe account (with your permission). We never access your Stripe Secret Key or have the ability to create or modify payments.
How fast does Reflex respond to disputes?
Reflex responds within 60 seconds of dispute detection. Evidence is gathered and submitted automatically before you even know there's a 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 settings can I configure?
Access settings from Stripe Dashboard: Apps → CertNode Reflex → Settings. You can configure Contact Email (for dispute alerts), Auto-Submit Evidence (toggle automatic vs manual submission), and Email Notifications (new disputes and outcomes).
What are certified timestamps?
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.
Is my data secure?
Yes. CertNode uses 256-bit encryption at rest and TLS 1.3 in transit. We're hosted on enterprise infrastructure with strict access controls.
Can I cancel anytime?
Yes. There are no long-term contracts or cancellation fees. You can disconnect Reflex anytime from your Stripe dashboard.
What if Reflex loses a dispute?
You don't pay anything. We only charge the 15% success fee when we win and recover the disputed amount.
Do you support multiple Stripe accounts?
Yes. You can connect multiple Stripe accounts. Each account is billed separately based on usage.
What dispute types does Reflex handle?
All Stripe dispute types: fraudulent, product not received, duplicate, subscription canceled, credit not processed, and more. Reflex defends all disputes automatically — no threshold, maximum protection.