When a customer disputes a charge, you have 7-21 days to respond or lose the money. Most merchants don't respond or spend hours on weak evidence. Reflex gathers receipts, 3D Secure auth, device fingerprints, and delivery proof, timestamps everything with RFC 3161 cryptographic proof, and submits in under 60 seconds. $0/month. 15% success fee only when you win (vs 25% Chargeflow, 20% Disputifier).
Hey PH! I'm Steven, solo founder of CertNode.
I built Reflex because I watched merchants lose thousands to chargebacks they should have won. The evidence was there (3D Secure auth, delivery tracking, customer history) but nobody was putting it together fast enough.
The core insight: banks don't care about your story. They care about cryptographic proof. An RFC 3161 timestamp proving the customer authenticated at purchase time is worth more than a paragraph of explanation.
Reflex does three things differently:
1. Timestamps everything with RFC 3161 cryptographic timestamps at the moment of purchase
2. AI generates a defense narrative customized to the specific dispute reason
3. Submits in 60 seconds, because faster responses get processed more favorably
The 15% fee was intentional. Chargeflow charges 25%, Disputifier charges 20%. We're the cheapest because our costs are low.
Happy to answer any questions about the tech or chargebacks in general!
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Have you thought about a post-launch visibility strategy? Many great tools struggle after day one.
Yep! Weβre already live on the Stripe App Marketplace, submitted to Shopify App Store, and have integrations with Square, PayPal, and WooCommerce. Product Hunt is one channel of many for us β appreciate you looking out though!
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Hey Steven β great product! I did a passive security review and found a CORS misconfiguration on your API that reflects any origin. Also, DMARC is p=none which is risky for a chargeback platform. Happy to share a full report with evidence + fixes if you're interested. Reach me at rupak@codevixlabs.com.
Thanks Rupak, appreciate you taking the time to look into this. Security is core to what we do so this kind of feedback is always welcome. Would love to see the full report β I'll reach out to you directly.
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Chargeback response time is genuinely one of the most underrated operational risks for merchants β especially D2C brands where dispute rates spike seasonally. The cryptographic timestamping approach is smart: banks respond to verifiable proof far better than narrative summaries. Performance-based pricing removes the friction of adoption too. Rooting for this one.
CertNode Reflex
CertNode Reflex
@jennifer_aniston4Β
Yep! Weβre already live on the Stripe App Marketplace, submitted to Shopify App Store, and have integrations with Square, PayPal, and WooCommerce. Product Hunt is one channel of many for us β appreciate you looking out though!
CertNode Reflex
@rupak_aminΒ
Thanks Rupak, appreciate you taking the time to look into this. Security is core to what we do so this kind of feedback is always welcome. Would love to see the full report β I'll reach out to you directly.
Chargeback response time is genuinely one of the most underrated operational risks for merchants β especially D2C brands where dispute rates spike seasonally. The cryptographic timestamping approach is smart: banks respond to verifiable proof far better than narrative summaries. Performance-based pricing removes the friction of adoption too. Rooting for this one.