Corvid Analytics
Merchandise / Services Not Received · 19-2683-0091-5528
Streamed as it happens. Real timings are scaled down so the run is watchable.
- AVS full matchAVS_FULL_MATCHcited
The address verification response was Y — street address and postal code both matched — on authorisation 42XR08.
Address verification result (corroborating auth evidence, discounted to 40%) · traced to EV-4431-04
+4 - 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-4431-04
+3.2 - Authenticated with liability shiftTDS_LIABILITY_SHIFTcited
The transaction was authenticated through EMV 3-D Secure with ECI 05, which moves fraud liability to the issuer.
Authenticated transactions shift fraud liability to the issuer · traced to EV-4431-05
+30 - Product used after purchaseACCESS_AFTER_PURCHASEcited
The account records 212 sessions after the transaction, most recently on 26 August 2026.
Post-purchase product usage · traced to EV-4431-02
+16 - Licences in active useSEATS_ACTIVEcited
23 seats of 25 provisioned seats were in active use at the time the dispute was raised.
Post-purchase product usage (corroborating usage evidence, discounted to 40%) · traced to EV-4431-02
+4 - Terms accepted at checkoutTERMS_ACCEPTEDcited
Terms MSA v9 were accepted on 20 July 2026 and executed by Procurement, cardholder organisation.
Terms acceptance captured at checkout · traced to EV-4431-03
+7
- Above the unattended filing ceilingABOVE_AUTOFILE_CEILING
At $12,480.00 the case exceeds your $2,500.00 ceiling for filing without a human signature.
Routed by a hard gate; excluded from the score · derived from the absence of a record, or from policy
+0
- Above the unattended filing ceilingG-HIGH-VALUEdecided this case
At $12,480.00 this exceeds your $2,500.00 ceiling. The packet is assembled and ready, but a person signs it.
Representment — 19-2683-0091-5528
Acquirer Reference Number 74810552749220047781200; network case 19-2683-0091-5528; reason code 13.1 (Merchandise / Services Not Received); transaction of $12,480.00 on 20 July 2026.
The cardholder states: "Cardholder states the annual licence was never provisioned." The record does not support that account. The account records 212 sessions after the transaction, most recently on 26 August 2026. 23 seats of 25 provisioned seats were in active use at the time the dispute was raised.
The address verification response was Y — street address and postal code both matched — on authorisation 42XR08. The card security code response was M — the code presented at checkout matched the issuer record. The transaction was authenticated through EMV 3-D Secure with ECI 05, which moves fraud liability to the issuer.
Terms MSA v9 were accepted on 20 July 2026 and executed by Procurement, cardholder organisation.
Reversal of the chargeback in full, $12,480.00, on the basis of 4 exhibits listed above. Filed with 26 days remaining before the 26 September 2026 deadline.
- EV-4431-02 — Product access log · Corvid app acc_44900
- EV-4431-03 — Order form execution · DocuSign env_8812aa04
- EV-4431-04 — Authorisation response · Adyen psp_9921KKQ2
- EV-4431-05 — EMV 3-D Secure result · Adyen 3ds_bb2091fe
Every assertion in this artifact resolves to a record on the case. Nothing withheld.
digest 69b993fd5501abd4 · the same case always produces this digest
- Subscription recordEV-4431-01Stripe Billing · sub_1PkQ88Rt · captured 20 Jul 2026
- plan
- Enterprise annual
- order_total_minor
- 1248000
- currency
- USD
- customer_account_id
- cus_W1nQ77aB
- Product access logEV-4431-02Corvid app · acc_44900 · captured 26 Aug 2026
- sessions_since_purchase
- 212
- seats_provisioned
- 25
- seats_active
- 23
- last_login
- 2026-08-26T16:44:00Z
- Order form executionEV-4431-03DocuSign · env_8812aa04 · captured 20 Jul 2026
- signed_by
- Procurement, cardholder organisation
- signed_at
- 2026-07-20T08:52:00Z
- terms_version
- MSA v9
- Authorisation responseEV-4431-04Adyen · psp_9921KKQ2 · captured 20 Jul 2026
- auth_code
- 42XR08
- avs_result
- Y
- cvv2_result
- M
- approved
- true
- EMV 3-D Secure resultEV-4431-05Adyen · 3ds_bb2091fe · captured 20 Jul 2026
- eci
- 05
- authentication_status
- Y
- liability_shift
- true
- cavv_present
- true
- case.evaluated08:28:307 signals extracted; digest 69b993fd5501abd49a957ec9f46a06f62da3aca2…
- decision.gated08:28:31G-HIGH-VALUE fired, giving escalate_humanf6a56265557770c3ee55d5c2…