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. Deadline misses become structurally impossible.
Pay 15% only when we win. $0 if we lose, and no monthly fee.
When chargebacks become a real problem
Four situations that push merchants from "I'll handle it manually" to needing automated defense.
10+ disputes/month, manually doesn't scale
Each dispute takes 2-4 hours to research, gather, and respond to. At 10/month that's 20-40 hours of operator time. At 30/month it's a dedicated headcount.
Boilerplate responses keep losing
Generic "customer received the product" responses lose more often than reason-code-specific evidence (3DS authentication, device fingerprint, delivery confirmation). Building that for every dispute by hand is the bottleneck.
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.
"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.
Choose Your Platform
Reflex integrates natively with your payment processor
Why Reflex?
60-Second Response
Evidence submitted within ~60 seconds of the dispute
3-Layer Timestamps
CertNode instant seal, then an independent RFC 3161 TSA timestamp and a Bitcoin OpenTimestamps anchor anyone can verify
15% Success Fee
Lower than Chargeflow (25%), Disputifier (20%), and Stripe (30%). $0 unless you win. (Competitor pricing as of May 2026.)
Where Reflex doesn't help
Win rates depend on the underlying transaction, not just the response. If your checkout has no 3D Secure, no AVS, and no device fingerprinting, the card networks default to the cardholder regardless of how strong the evidence package is. Reflex automates every response and populates 21+ Stripe evidence fields, but external industry estimates put the ceiling on fraud disputes without 3DS at roughly 22%. Enable 3D Secure on your Stripe Radar rules and, under the card-network rules (Visa Core Rules govern the issuer liability shift on authenticated 3DS transactions), industry estimates put that ceiling at 75%+. These are external industry figures, not CertNode-measured win rates. We'll prompt you in-app when your setup is the bottleneck. See the full win-rate breakdown by reason code →
Want the receipts instead of claims? Read a real defended dispute with the exact numbers, or our plain-language guarantees.
Live on the Stripe Marketplace since March 2026 — part of the 3-app CertNode suite: Reflex, Evidence Vault, and Sentinel.
Ready to automate every dispute response?
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