CertNode Reflex – Chargeback & Dispute Defense for WooCommerce

CertNode Reflex is automated chargeback defense for WooCommerce merchants. Connect your Stripe account and Reflex builds the evidence, writes a structured defense narrative, and submits it to Stripe when a chargeback fires.

It covers the dispute reasons WooCommerce stores actually get: friendly fraud where a real customer denies their own purchase, product not received, product not as described, unrecognized charges, and duplicate charges. Each reason code calls for different evidence, and Reflex assembles what that one needs from your order records.

How It Works:

1. Install the plugin and enter your CertNode API key
2. Connect your Stripe account (one-click OAuth from plugin settings)
3. The plugin syncs your WooCommerce order data to CertNode
4. When a dispute arrives, Reflex automatically builds evidence from your orders, generates a structured defense narrative, and submits it to Stripe

No other apps required. Reflex does the evidence work for you and submits it before the deadline.

Key Features:

• Standalone Dispute Defense: connect Stripe directly from the plugin. No other apps required.
• Evidence Narratives: structured defense narratives tailored to each dispute type.
• Deadline-driven response: evidence is assembled and submitted well ahead of the dispute deadline.
• Order Data Enrichment: product details, quantities, pricing, and SKUs strengthen your evidence.
• Fulfillment Tracking: shipping carrier, tracking numbers, and delivery dates help prove delivery.
• Customer History: repeat purchase history demonstrates legitimate transactions.
• Certified Timestamps: RFC 3161 cryptographic proof that evidence existed before the dispute.
• Historical Sync: sync your last 30 days of orders with one click.

Pricing:

• $0 monthly fee
• 15% success fee, only charged when you win a dispute
• No caps, no minimums

Requirements:

• WooCommerce 5.0+
• A CertNode account (free to create at certnode.io)
• A Stripe account (connected via one-click OAuth in plugin settings)

External services

This plugin relies on external services to deliver automated chargeback defense. The following services are used:

CertNode Reflex API (https://certnode.io/api)

What it is and what it’s used for: CertNode Reflex is the cloud backend that receives WooCommerce order events, generates dispute defense narratives, and submits evidence to Stripe when chargebacks fire. The plugin acts as a thin client that forwards order data and reads back dispute status.

What data is sent and when:

• On account creation: shop name, shop URL, admin email (only if the merchant uses the auto-provision flow to create a CertNode account by clicking “Activate CertNode Reflex”).
• On every order completed, processing, or refunded event: order ID, customer email, customer name, customer phone number, billing address, shipping address, line items (product names, SKUs, quantities, prices), gateway transaction ID (Stripe payment intent ID), order total, currency, order timestamp, and the customer order note (free-text the customer entered at checkout, if any).
• On every fulfillment update: order ID, shipping carrier, tracking number, ship date.
• On Test Connection click: API key validation request only (no order data).
• On Sync Last 30 Days click: the same order data as above for orders from the previous 30 days.
• On Save a Card click: a billing-setup request authenticated by your API key (no order or customer data). CertNode returns a Stripe Checkout link that opens in your browser; card details are entered on Stripe’s own page and never touch your site or CertNode’s servers.

All requests are sent over HTTPS with the merchant’s API key in the Authorization header.

What data is NOT sent: payment card numbers, full card details, customer passwords, or any data not relevant to dispute defense.

Service provider: CertNode (SRB Creative Holdings LLC).

• Terms of service: https://certnode.io/terms
• Privacy policy: https://certnode.io/privacy

Stripe (payment-account authorization)

What it is and what it’s used for: To enable automatic dispute detection, the “Connect Stripe Account” button opens an authorization flow. When clicked, the plugin makes a server-to-server request from your WordPress server to https://certnode.io/api/integrations/woocommerce/stripe-connect/start with your CertNode API key in the Authorization header (the key never travels through the browser), and CertNode returns the Stripe authorization URL. Your browser is then sent directly to Stripe so you can grant CertNode access to dispute-related data on your own Stripe account.

What data is sent and when: Only when the merchant clicks “Connect Stripe Account” or “Save a Card” in the plugin settings. The card-save flow opens Stripe Checkout, where card details are entered directly on Stripe’s page. No order or customer data is sent in either flow.

Service provider: Stripe, Inc.

• Terms of service: https://stripe.com/legal
• Privacy policy: https://stripe.com/privacy