Chargeback Cost Calculator
Estimate chargeback exposure, staff cost, and the upside of faster evidence operations.
Your Business
Annual Transactions
16,000
Annual Disputes
80
Modeled cost reduction
$4,775
per year in this planning scenario
That's $398 per month
Without Reflex
With Reflex
Return on Investment
1179%
For every $1 in Reflex fees, you save $11.79
How Reflex Saves You Money
Instant Response
Disputes answered in under 60 seconds with cryptographic evidence and dispute-specific narratives.
Court-Grade Proof
RFC 3161 timestamps, device forensics, and 3D Secure data, evidence banks can't ignore.
Pay Only When You Win
15% of recovered revenue. Zero monthly fees. If we don't win, you don't pay.
Methodology
Baseline recovery scenario (12%): Based on Chargebacks911 data showing merchants who manually respond to disputes win approximately 12% of cases, with many merchants not responding at all.
Reflex planning scenario (45%): A user-editable modeling assumption for automated evidence collection including RFC 3161 timestamps, 3D Secure authentication data, device forensics, and dispute-specific narrative generation. This is not a measured CertNode outcome rate.
Staff cost ($40/dispute): Chargebacks911 estimates the true cost of a chargeback at $25-100+ when including staff time, evidence gathering, and opportunity cost. We use $40 as a conservative mid-range estimate.
Reflex fee (15%): CertNode charges 15% of successfully recovered revenue. No monthly subscription. No setup fees. Only pay when you win.
Stop Losing Revenue to Chargebacks
Install Reflex from the Stripe Marketplace. No code changes. Results in your first dispute.
Install Reflex, FreeNo credit card required. 15% success fee only when you win.