DSP-4437Card disputeVISARC 13.1MCC 5815

Halden Studio

Merchandise / Services Not Received · 19-2683-4471-2290

At stake

$89.00

Expected recovery under this decision $0.00

Representment deadline

30 days remaining

Network deadline 30 September 2026

Engine decision

Accept liabilityHigh confidence

Weighed score 31 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 extracted3 signals from 3 records

For the merchant position

CVV2 matchCVV2_MATCH
The card security code response was M — the code presented at checkout matched the issuer record.
Card security code result · traced to EV-4437-02
+8

Against it

No product access recordedACCESS_NONEcited
The account records no downloads after the transaction, and the fulfilment email bounced.
No post-purchase product usage · traced to EV-4437-03
-26

Context

AVS partial matchAVS_PARTIAL_MATCH
The address verification response was Z — postal code matched, street address did not.
Address verification result (corroborating auth evidence, discounted to 40%) · traced to EV-4437-02
+0.8

Step 2 — the position it takesnone

Position

The weighed evidence reaches 31 against your floor of 58. The case is conceded rather than filed.

What the record shows

The account records no downloads after the transaction, and the fulfilment email bounced.

ACCESS_NONE

Ledger effect

$89.00 is written off against Halden Studio, reason code 13.1.

Exhibits attached

Step 3 — self-checkReleased

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

digest 78f7a7b6f78f8088 · the same case always produces this digest

The record3 items

Order recordEV-4437-01
Shopify · #HS-46330 · captured 09 Aug 2026
order_total_minor
8900
currency
USD
fulfilment_type
digital_download
customer_account_id
cus_D8kL10rP
Authorisation responseEV-4437-02
Stripe · ch_3PnM12Bq · captured 09 Aug 2026
auth_code
23HH70
avs_result
Z
cvv2_result
M
approved
true
Content access logEV-4437-03
Halden app · acc_46330 · captured 31 Aug 2026
downloads_after_purchase
0
last_access
—
delivery_email_bounced
true

Your decision

Audit trail2 events

case.evaluated08:33:00
3 signals extracted; digest 78f7a7b6f78f8088
f522a084d861599a6537f559…
decision.scored08:33:01
score 31 gives accept_liability
b6090be3a45b5bc2c8f1f401…