Looking for a Chargeflow Alternative?
CertNode Reflex offers 40% lower fees, 5-platform coverage, and cryptographic evidence that Chargeflow doesn't provide. Same zero-code setup. Better results.
Why Merchants Look for Chargeflow Alternatives
Chargeflow pioneered automated chargeback defense and raised $35M in Series A funding to build their platform. They deserve credit for proving that AI-powered dispute responses can outperform manual submissions. But as the market has matured, merchants are finding reasons to explore alternatives.
The most common reason is pricing. At 25% of recovered revenue, Chargeflow's success fee is the highest in the automated chargeback defense space. For a merchant recovering $50,000 per year in disputes, that's $12,500 in fees. The same recovery with a 15% fee would cost $7,500 — a difference of $5,000 that goes straight to your bottom line.
The second reason is platform coverage. Chargeflow currently supports Stripe and Shopify. If you process payments through PayPal, Square, or WooCommerce, you need a separate solution for those platforms — or leave those disputes undefended.
The third reason is evidence quality. Standard AI-generated responses are effective, but they lack the cryptographic verification that card networks increasingly value. RFC 3161 certified timestamps, device fingerprinting, and structured evidence packages give bank analysts more verifiable data points to evaluate.
CertNode Reflex vs Chargeflow: Feature Comparison
| Feature | CertNode Reflex | Chargeflow |
|---|---|---|
| Success fee | 15% | 25% |
| Monthly fee | $0 | $0 - $99/mo |
| Platforms supported | 5 (Stripe, Shopify, PayPal, Square, WooCommerce) | 2 (Stripe, Shopify) |
| AI engine | Claude (Anthropic) | GPT (OpenAI) |
| Certified timestamps | RFC 3161 (court-admissible) | No |
| Device fingerprinting | Yes (canvas, WebGL, audio) | No |
| Stripe evidence fields populated | 21 of 28 | Unknown |
| Visa CE 3.0 support | Supported | Unknown |
| Response time | Under 60 seconds | Minutes |
| Evidence PDF | 7-page cryptographic package | Standard evidence |
| Setup | One-click Stripe install | One-click Stripe install |
| Funding | Bootstrapped | $35M Series A |
Comparison based on publicly available information as of February 2026. Features marked "Unknown" could not be confirmed from public documentation.
What CertNode Does Differently
RFC 3161 Certified Timestamps
Every transaction receipt is cryptographically timestamped using the RFC 3161 standard — the same standard used in legal proceedings and digital forensics. These timestamps are independently verifiable and court-admissible, proving exactly when a transaction occurred without relying on CertNode's own records.
Device Fingerprinting
CertNode collects device signals (canvas rendering, WebGL, audio context, screen properties) at checkout and links them to transactions. When a customer disputes a charge claiming "I didn't make this purchase," you can show they used the same device for previous undisputed purchases. This is the foundation of Visa CE 3.0 evidence.
3-Layer Verification
Evidence is verified at three independent layers: CertNode's internal cryptographic signature, an independent TSA (Timestamping Authority) via RFC 3161, and optional Bitcoin blockchain anchoring via OpenTimestamps. No single point of failure or trust.
21 of 28 Stripe Evidence Fields
Stripe accepts 28 evidence fields per dispute. CertNode populates 21 of them automatically, including customer purchase IP, service dates, access activity logs, billing address, refund policy disclosure, and reason-specific fields. More populated fields give bank analysts more data points to rule in your favor.
Pricing: The Math on Fee Savings
Both CertNode and Chargeflow use a success-fee model — you only pay when a dispute is won. The difference is the percentage. Here is what that looks like at different scales:
| Revenue Recovered | Chargeflow (25%) | CertNode (15%) | You Save |
|---|---|---|---|
| $10,000 | $2,500 | $1,500 | $1,000 |
| $50,000 | $12,500 | $7,500 | $5,000 |
| $100,000 | $25,000 | $15,000 | $10,000 |
| $500,000 | $125,000 | $75,000 | $50,000 |
Chargeflow also offers subscription tiers at $0, $49, and $99 per month for additional features. CertNode has no monthly fees at any tier.
How to Switch from Chargeflow to CertNode Reflex
Install CertNode Reflex from the Stripe App Marketplace
Visit the Stripe App Marketplace and install CertNode Reflex. The installation takes one click and requires no code changes to your checkout flow.
Reflex begins monitoring disputes immediately
Once installed, Reflex automatically detects new disputes on your Stripe account and begins gathering evidence. There is no setup wizard or configuration needed to start.
Optionally add collect.js for enhanced evidence
For the strongest possible evidence (device fingerprinting, IP collection, Visa CE 3.0 eligibility), add a single script tag to your checkout page. This step is optional but significantly improves win rates on fraud disputes.
Remove your previous solution when ready
You can uninstall Chargeflow whenever you are comfortable. Many merchants run both solutions for a few days to compare behavior before making the switch final. Only one tool can submit evidence per dispute.
Frequently Asked Questions
How long does it take to switch from Chargeflow to CertNode Reflex?
The switch takes about two minutes. Install CertNode Reflex from the Stripe App Marketplace, and it begins protecting your account immediately. You can uninstall your previous solution at any time. There is no data migration needed because Reflex works directly with Stripe's dispute and payment APIs.
Will I lose protection during the transition?
No. CertNode Reflex activates immediately upon installation. You can run both solutions simultaneously during a transition period if you prefer, though only one can submit evidence per dispute. We recommend installing Reflex first, confirming it detects disputes, then removing your previous tool.
Does CertNode Reflex handle the same dispute types?
Yes. Reflex handles all eight Stripe dispute reason codes: fraudulent, product not received, duplicate, subscription canceled, product unacceptable, unrecognized, credit not processed, and general. Each dispute type gets a tailored AI-generated narrative with type-specific evidence.
What if I also use Shopify, PayPal, Square, or WooCommerce?
CertNode Reflex supports all five platforms. Chargeflow currently supports Stripe and Shopify. If you process payments through Square, PayPal, or WooCommerce in addition to Stripe, Reflex can defend disputes across all of them from a single account.
Is the 15% fee really all I pay?
Yes. There is no monthly subscription, no setup fee, and no minimum commitment. You only pay 15% of the disputed amount when CertNode successfully wins a dispute on your behalf. If the dispute is lost, you pay nothing. This is 40% less than Chargeflow's 25% success fee.
Save 40% on Chargeback Defense Fees
CertNode Reflex charges 15% on wins — not 25%. Same zero-code Stripe install. Stronger evidence. More platforms. Install in under two minutes.
Related Resources
Chargeflow vs CertNode
Detailed side-by-side comparison across pricing, technology, and evidence quality.
Disputifier Alternative
How CertNode Reflex compares to Disputifier on fees, platforms, and evidence.
How to Win a Stripe Chargeback
Complete guide to dispute evidence, 3D Secure, Visa CE 3.0, and response strategy.