CertNode Reflex is an AI-powered chargeback defense solution designed specifically for merchants facing customer payment disputes. When customers dispute charges, merchants typically have only 7-21 days to respond or risk losing the money, and many either don't respond at all or spend excessive time preparing weak evidence.

The system automatically gathers comprehensive evidence including receipts, 3D Secure authentication data, device fingerprints, and delivery proof. It timestamps all evidence with RFC 3161 cryptographic proof to ensure authenticity and legal validity. The entire response submission process takes under 60 seconds, significantly reducing the manual effort typically required for chargeback disputes.

The product operates on a unique success-based pricing model with $0 monthly fees. Merchants only pay a 15% success fee when they win disputes, which compares favorably to competitors like Chargeflow (25%) and Disputifier (20%). This approach aligns the company's incentives with merchant success while eliminating upfront costs.

CertNode Reflex provides merchants with a streamlined solution to protect their revenue from fraudulent or mistaken chargebacks. By automating the evidence gathering and submission process, it helps businesses recover funds that would otherwise be lost due to missed deadlines or inadequate responses.

The target users are merchants and e-commerce businesses that process payments and face chargeback disputes. The service integrates with existing payment systems to automatically access transaction data and evidence needed for dispute resolution.