DSP-4418Card disputeVISARC 13.6MCC 5712

Northbeam Supply Co.

Credit Not Processed · 19-2681-4460-1183

At stake

$349.00

Expected recovery under this decision $0.00

Representment deadline

23 days remaining

Network deadline 23 September 2026

Engine decision

Accept liabilityHigh confidence

Decided by gate G-REFUNDED, bypassing the score of 50.

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 extracted1 signals from 3 records

Against it

Refund already issuedREFUND_ALREADY_ISSUEDcited
$349.00 was already refunded on 11 August 2026 under re_3PfQ1kM2wZ.
Routed by a hard gate; excluded from the score · traced to EV-4418-02
+0

Step 2 — hard gatesThese bypass the score entirely

Already refundedG-REFUNDEDdecided this case
A refund for this transaction has already settled. Representing would claim money that has been returned, which loses automatically and attracts a network fine on repetition.
Nothing to fileG-NO-EVIDENCE
No supporting evidence was found on the record. A representment with no exhibits is not a representment.

Step 3 — the position it takesnone

No representment — 19-2681-4460-1183

Position

A refund for this transaction has already settled. Representing would claim money that has been returned, which loses automatically and attracts a network fine on repetition.

What the record shows

$349.00 was already refunded on 11 August 2026 under re_3PfQ1kM2wZ.

REFUND_ALREADY_ISSUED

Ledger effect

$349.00 is written off against Northbeam Supply Co., reason code 13.6.

Exhibits attached

EV-4418-02 — Refund issued · Stripe re_3PfQ1kM2wZ

Step 4 — self-checkReleased

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

digest b955b8073cc3afb8 · the same case always produces this digest

The record3 items

Order recordEV-4418-01
Shopify · #NB-116330 · captured 28 Jun 2026
order_total_minor
34900
currency
USD
customer_account_id
cus_L8bN31vE
Refund issuedEV-4418-02
Stripe · re_3PfQ1kM2wZ · captured 11 Aug 2026
refund_amount_minor
34900
currency
USD
status
succeeded
settled_at
2026-08-13T00:00:00Z
Support threadEV-4418-03
Zendesk · #219902 · captured 11 Aug 2026
subject
Return approved
outbound_message
Refund of $349.00 has been issued to your card.

Your decision

Audit trail2 events

case.evaluated08:19:30
1 signals extracted; digest b955b8073cc3afb8
855301a0343af7b32845aec1…
decision.gated08:19:31
G-REFUNDED fired, giving accept_liability
ab57eb677551094350b35843…