DSP-4430Card disputeMASTERCARDRC 4837MCC 5815

Halden Studio

No Cardholder Authorisation · MC-CLM-8842991

At stake

$24.00

Expected recovery under this decision $0.00

Representment deadline

43 days remaining

Network deadline 13 October 2026

Engine decision

Accept liabilityHigh confidence

Decided by gate G-NET-VALUE, bypassing the score of 22.

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 extracted5 signals from 2 records

Against it

AVS no matchAVS_NO_MATCHcited
The address verification response was N — neither street address nor postal code matched.
Address verification result · traced to EV-4430-02
-14
CVV2 no matchCVV2_NO_MATCHcited
The card security code response was N — the code presented at checkout did not match.
Card security code result (corroborating auth evidence, discounted to 40%) · traced to EV-4430-02
-5.6
No 3-D Secure recordTDS_ABSENTcited
No EMV 3-D Secure result is held for this transaction, so no liability shift can be claimed.
No liability shift available (corroborating auth evidence, discounted to 40%) · derived from the absence of a record, or from policy
-4
Guest checkout, no account historyGUEST_CHECKOUTcited
The order was placed as a guest checkout, so no account history is available to link the cardholder to it.
No account history links the cardholder to the order (corroborating auth evidence, discounted to 40%) · traced to EV-4430-01
-4
Below the net value floorBELOW_NET_VALUE_FLOORcited
Net of the $15.00 representment fee the case is worth $9.00, below your $25.00 floor.
Routed by a hard gate; excluded from the score · derived from the absence of a record, or from policy
+0

Step 2 — hard gatesThese bypass the score entirely

Below the net value floorG-NET-VALUEdecided this case
Net of the $15.00 filing fee this case is worth less than your $25.00 floor. Working it costs more than conceding it.
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 — MC-CLM-8842991

Position

Net of the $15.00 filing fee this case is worth less than your $25.00 floor. Working it costs more than conceding it.

What the record shows

The address verification response was N — neither street address nor postal code matched. The card security code response was N — the code presented at checkout did not match. No EMV 3-D Secure result is held for this transaction, so no liability shift can be claimed. The order was placed as a guest checkout, so no account history is available to link the cardholder to it. Net of the $15.00 representment fee the case is worth $9.00, below your $25.00 floor.

AVS_NO_MATCHCVV2_NO_MATCHTDS_ABSENTGUEST_CHECKOUTBELOW_NET_VALUE_FLOOR

Ledger effect

$24.00 is written off against Halden Studio, reason code 4837.

Exhibits attached

EV-4430-01 — Order record · Shopify #HS-46012
EV-4430-02 — Authorisation response · Stripe ch_3PnB2xQ7

Step 4 — self-checkReleased

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

digest 478b4f76f0e71e84 · the same case always produces this digest

The record2 items

Order recordEV-4430-01
Shopify · #HS-46012 · captured 11 Aug 2026
order_total_minor
2400
currency
USD
guest_checkout
true
customer_account_id
—
Authorisation responseEV-4430-02
Stripe · ch_3PnB2xQ7 · captured 11 Aug 2026
auth_code
90LM17
avs_result
N
cvv2_result
N
approved
true

Your decision

Audit trail2 events

case.evaluated08:27:00
5 signals extracted; digest 478b4f76f0e71e84
1bd26751a8f9871a1e7c53a8…
decision.gated08:27:01
G-NET-VALUE fired, giving accept_liability
733bafb13d75511e174634e6…