DSP-4402Card disputeVISARC 13.3MCC 5815

Halden Studio

Not as Described or Defective Merchandise · 19-2679-8890-1204

At stake

$159.00

Expected recovery under this decision $0.00

Representment deadline

Window closed

Network deadline 13 August 2026

Engine decision

Accept liabilityHigh confidence

Decided by gate G-WINDOW-CLOSED, bypassing the score of 67.

The engine’s working

Streamed as it happens. Real timings are scaled down so the run is watchable.

·Idle. The decision below is already computed; running replays how it was reached.

Step 1 — the facts it extracted2 signals from 3 records

For the merchant position

Product used after purchaseACCESS_AFTER_PURCHASE
The account records 2 downloads after the transaction, most recently on 19 June 2026.
Post-purchase product usage · traced to EV-4402-02
+16

Against it

Representment window closedDEADLINE_PASSEDcited
The Visa representment window closed on 13 August 2026. No filing is possible.
Routed by a hard gate; excluded from the score · traced to EV-4402-03
+0

Step 2 — hard gatesThese bypass the score entirely

Representment window closedG-WINDOW-CLOSEDdecided this case
The window closed on 2026-08-13. No filing is possible and the funds are forfeit. Recorded so the intake delay that caused it is visible in quality assurance.

Step 3 — the position it takesnone

No representment — 19-2679-8890-1204

Position

The window closed on 2026-08-13. No filing is possible and the funds are forfeit. Recorded so the intake delay that caused it is visible in quality assurance.

What the record shows

The Visa representment window closed on 13 August 2026. No filing is possible.

DEADLINE_PASSED

Ledger effect

$159.00 is written off against Halden Studio, reason code 13.3.

Exhibits attached

EV-4402-03 — Network case status · Visa Resolve Online 19-2679-8890-1204

Step 4 — self-checkReleased

Every assertion in this artifact resolves to a record on the case. Nothing withheld.

digest 5b9423da5302c4a0 · the same case always produces this digest

The record3 items

Order recordEV-4402-01
Shopify · #HS-44120 · captured 05 Jun 2026
order_total_minor
15900
currency
USD
Content access logEV-4402-02
Halden app · acc_44121 · captured 01 Jul 2026
downloads_after_purchase
2
last_access
2026-06-19T08:00:00Z
Network case statusEV-4402-03
Visa Resolve Online · 19-2679-8890-1204 · captured 14 Aug 2026
status
representment_window_closed
closed_at
2026-08-13T23:59:59Z

Your decision

Audit trail2 events

case.evaluated08:25:30
2 signals extracted; digest 5b9423da5302c4a0
8ec08e7a6d57d8e0650b808e…
decision.gated08:25:31
G-WINDOW-CLOSED fired, giving accept_liability
aecdd78ba6628635f83c62f3…