CertNode Reflex

Product Introduction

1. Definition: CertNode Reflex is a Stripe-integrated dispute management automation tool (technical category: payment fraud prevention and chargeback mitigation SaaS). It automates evidence compilation for Visa/Mastercard disputes.
2. Core Value Proposition: It eliminates manual chargeback response efforts by cryptographically verifying and submitting irrefutable evidence within 60 seconds, recovering revenue otherwise lost to missed deadlines or weak rebuttals.

Main Features

1. Automated Evidence Aggregation: Collects transaction receipts, 3D Secure authentication logs, device fingerprints (IP/geolocation/browser hash), and delivery confirmations via API integrations with payment gateways and shipping carriers.
2. RFC 3161 Cryptographic Timestamping: Applies IETF-standard trusted timestamps to every evidence piece using public-key infrastructure (PKI), creating court-admissible proof of data existence and integrity at submission time.
3. One-Click Submission Engine: Auto-formats evidence into card network-compliant rebuttal packages and submits to Stripe’s dispute portal via OAuth 2.0 integration, completing in <60 seconds.

Problems Solved

1. Pain Point: Merchants forfeit 7-21-day chargeback response windows due to manual evidence gathering, risking revenue loss (average dispute: $90-$250). Weak evidence reduces win rates by 40-60%.
2. Target Audience: Stripe-powered e-commerce businesses (>500 monthly transactions), SaaS platforms with recurring billing, and digital goods sellers in high-fraud verticals (electronics, luxury).
3. Use Cases:
   • Refuting "item not received" claims with geotagged delivery proofs.
   • Countering fraudulent transactions via 3D Secure logs and device fingerprint matching.
   • Preventing revenue leakage for subscription merchants facing unauthorized chargeback claims.

Unique Advantages

1. Differentiation: Zero monthly fees vs. competitors (Chargeflow: $99+/month + 25% success fee; Disputifier: 20% fee). Only charges 15% on recovered funds post-win.
2. Key Innovation: RFC 3161 timestamping creates legally verifiable evidence chains—unmatched by rivals relying on basic PDF reports. AI-driven evidence prioritization targets high-impact data points for maximum win probability.

Frequently Asked Questions (FAQ)

1. How does CertNode Reflex improve chargeback win rates?
   By automating collection of card network-required evidence (3D Secure, delivery proofs) and adding cryptographic timestamps, it creates irrefutable rebuttals that increase win rates by 30-50% versus manual submissions.
2. Is CertNode Reflex PCI DSS compliant?
   Yes, it operates as a Stripe Marketplace app using tokenized data and never stores raw cardholder information, maintaining full PCI Level 1 compliance via Stripe’s infrastructure.
3. What happens if a dispute is lost after using Reflex?
   You pay $0—the 15% success fee applies exclusively to recovered funds. Reflex’s evidence package remains usable for arbitration or litigation.
4. Does Reflex support non-Stripe payment gateways?
   Currently optimized for Stripe integrations only, leveraging its native dispute API. Future versions may expand to PayPal/Braintree.
5. How quickly can I deploy CertNode Reflex?
   Installation takes <10 minutes via Stripe Marketplace OAuth, requiring no code changes for standard e-commerce platforms (Shopify, WooCommerce).