DSP-4433Card disputeVISARC 12.6.1MCC 5712

Northbeam Supply Co.

Duplicate Processing · 19-2683-2210-8841

At stake

$674.00

Expected recovery under this decision $0.00

Representment deadline

29 days remaining

Network deadline 29 September 2026

Engine decision

Accept liabilityHigh confidence

Decided by gate G-DUPLICATE, bypassing the score of 65.

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 extracted3 signals from 3 records

For the merchant position

AVS full matchAVS_FULL_MATCH
The address verification response was Y — street address and postal code both matched — on authorisation 66DK12.
Address verification result · traced to EV-4433-03
+10
CVV2 matchCVV2_MATCH
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-4433-03
+3.2

Against it

Duplicate charge confirmed and unrefundedDUPLICATE_CONFIRMEDcited
2 charges for an identical amount were taken on the same day; the second, ch_3PmZ40Kq, has not been refunded.
Routed by a hard gate; excluded from the score · traced to EV-4433-02
+0

Step 2 — hard gatesThese bypass the score entirely

Duplicate charge confirmedG-DUPLICATEdecided this case
Two identical charges were taken and the second has not been refunded. The cardholder is right, and the correct action is to accept and refund rather than to contest.

Step 3 — the position it takesnone

No representment — 19-2683-2210-8841

Position

Two identical charges were taken and the second has not been refunded. The cardholder is right, and the correct action is to accept and refund rather than to contest.

What the record shows

2 charges for an identical amount were taken on the same day; the second, ch_3PmZ40Kq, has not been refunded.

DUPLICATE_CONFIRMED

Ledger effect

$674.00 is written off against Northbeam Supply Co., reason code 12.6.1.

Exhibits attached

EV-4433-02 — Adjacent charges on the card · Stripe cus_P3rT21mM

Step 4 — self-checkReleased

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

digest 61371634518adf29 · the same case always produces this digest

The record3 items

Order recordEV-4433-01
Shopify · #NB-119440 · captured 05 Aug 2026
order_total_minor
67400
currency
USD
line_items
2
customer_account_id
cus_P3rT21mM
Adjacent charges on the cardEV-4433-02
Stripe · cus_P3rT21mM · captured 30 Aug 2026
charges_same_day
2
amounts_identical
true
second_charge_ref
ch_3PmZ40Kq
second_charge_at
2026-08-05T14:09:00Z
second_charge_refunded
false
Authorisation responseEV-4433-03
Stripe · ch_3PmZ39Ja · captured 05 Aug 2026
auth_code
66DK12
avs_result
Y
cvv2_result
M
approved
true

Your decision

Audit trail2 events

case.evaluated08:30:00
3 signals extracted; digest 61371634518adf29
fe52beb59a143473904436d2…
decision.gated08:30:01
G-DUPLICATE fired, giving accept_liability
0e6be7fd3645aeb509d717ea…