Setlivapolicy 2026.3Demonstration tenant
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DSP-4417Card disputeVISARC 13.1MCC 5712

Northbeam Supply Co.

Merchandise / Services Not Received · 19-2681-4457-0912

At stake
$1,248.00
Expected recovery under this decision $1,133.16
Representment deadline
18 days remaining
Network deadline 18 September 2026
Engine decision
RepresentHigh confidence
Weighed score 96 against your evidence floor of 58.
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 extracted6 signals from 6 records
For the merchant position
  • AVS full matchAVS_FULL_MATCHcited

    The address verification response was Y — street address and postal code both matched — on authorisation 05K71C.

    Address verification result · traced to EV-4417-02

    +10
  • CVV2 matchCVV2_MATCHcited

    The card security code response was M — the code presented at checkout matched the issuer record.

    Card security code result (corroborating auth evidence, discounted to 40%) · traced to EV-4417-02

    +3.2
  • Signed delivery to the billing addressPOD_SIGNED_MATCHINGcited

    UPS recorded delivery on 17 July 2026, signed for by M GARRETT, to postal code 02139 which matches the billing address on the order.

    Signed delivery to the billing address is the strongest non-receipt rebuttal · traced to EV-4417-03

    +28
  • Terms accepted at checkoutTERMS_ACCEPTEDcited

    Terms v4.2 were accepted on 14 July 2026.

    Terms acceptance captured at checkout · traced to EV-4417-06

    +7
  • Receipt acknowledged in writingCOMMS_RECEIPT_ACKNOWLEDGEDcited

    On 18 July 2026 the cardholder wrote: "Got it, thanks — looks great."

    Written acknowledgement of receipt by the cardholder · traced to EV-4417-05

    +18
  • Device and network continuityDEVICE_CONTINUITYcited

    The checkout session originated from 73.114.28.9 in Cambridge, MA on device dev_a91f77c2, matching the account's prior sessions.

    Device and network continuity with prior sessions (corroborating auth evidence, discounted to 40%) · traced to EV-4417-04

    +3.6
Step 2 — what it producedrepresentment

Representment — 19-2681-4457-0912

Case identification

Acquirer Reference Number 74810552749163044210377; network case 19-2681-4457-0912; reason code 13.1 (Merchandise / Services Not Received); transaction of $1,248.00 on 14 July 2026.

Rebuttal of the cardholder claim

The cardholder states: "Cardholder states the order was never delivered." The record does not support that account. UPS recorded delivery on 17 July 2026, signed for by M GARRETT, to postal code 02139 which matches the billing address on the order. On 18 July 2026 the cardholder wrote: "Got it, thanks — looks great."

POD_SIGNED_MATCHINGCOMMS_RECEIPT_ACKNOWLEDGED
Authentication and authorisation

The address verification response was Y — street address and postal code both matched — on authorisation 05K71C. The card security code response was M — the code presented at checkout matched the issuer record. The checkout session originated from 73.114.28.9 in Cambridge, MA on device dev_a91f77c2, matching the account's prior sessions.

AVS_FULL_MATCHCVV2_MATCHDEVICE_CONTINUITY
Terms in force

Terms v4.2 were accepted on 14 July 2026.

TERMS_ACCEPTED
Requested outcome

Reversal of the chargeback in full, $1,248.00, on the basis of 5 exhibits listed above. Filed with 18 days remaining before the 18 September 2026 deadline.

Exhibits attached
  1. EV-4417-02 — Authorisation response · Stripe ch_3PkR2mQ8xLd4
  2. EV-4417-03 — Carrier proof of delivery · UPS 1Z999AA10123456784
  3. EV-4417-04 — Checkout session · Segment ses_8812f4a1
  4. EV-4417-05 — Support thread · Zendesk #218844
  5. EV-4417-06 — Terms acceptance · Shopify tc_118204
Step 3 — self-checkReleased

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

digest 139921649c787e71 · the same case always produces this digest

The record6 items
  • Order recordEV-4417-01
    Shopify · #NB-118204 · captured 14 Jul 2026
    order_total_minor
    124800
    currency
    USD
    billing_postcode
    02139
    shipping_postcode
    02139
    customer_account_id
    cus_R4tK92mQ
    + 1 more fields
  • Authorisation responseEV-4417-02
    Stripe · ch_3PkR2mQ8xLd4 · captured 14 Jul 2026
    auth_code
    05K71C
    avs_result
    Y
    cvv2_result
    M
    approved
    true
  • Carrier proof of deliveryEV-4417-03
    UPS · 1Z999AA10123456784 · captured 17 Jul 2026
    carrier
    UPS
    status
    DELIVERED
    delivered_at
    2026-07-17T18:41:00Z
    signature
    M GARRETT
    delivery_postcode
    02139
    + 1 more fields
  • Checkout sessionEV-4417-04
    Segment · ses_8812f4a1 · captured 14 Jul 2026
    ip
    73.114.28.9
    ip_city
    Cambridge, MA
    device_id
    dev_a91f77c2
    matches_prior_sessions
    true
  • Support threadEV-4417-05
    Zendesk · #218844 · captured 18 Jul 2026
    subject
    Re: delivery confirmation
    inbound_message
    Got it, thanks — looks great.
    sent_from_email
    m.garrett@example.net
  • Terms acceptanceEV-4417-06
    Shopify · tc_118204 · captured 14 Jul 2026
    terms_version
    v4.2
    accepted_at
    2026-07-14T15:21:58Z
    refund_window_days
    30
Your decision
Your verdict on the engine’s decision
Audit trail2 events
  • case.evaluated08:18:00
    6 signals extracted; digest 139921649c787e71
    7ab02f0e429df94fabe40a89…
  • decision.scored08:18:01
    score 96 gives represent
    13f6b42e54dc7697bde7569d…