DSP-4441Card disputeVISARC 13.1MCC 5712

Northbeam Supply Co.

Merchandise / Services Not Received · 19-2683-6612-0033

At stake

$423.00

Expected recovery under this decision $0.00

Representment deadline

33 hours remaining

Network deadline 2 September 2026

Engine decision

To a humanHigh confidence

Decided by gate G-DEADLINE-BUFFER, bypassing the score of 87.

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 extracted4 signals from 3 records

For the merchant position

AVS full matchAVS_FULL_MATCHcited
The address verification response was Y — street address and postal code both matched — on authorisation 81FG55.
Address verification result · traced to EV-4441-03
+10
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-4441-03
+3.2
Signed delivery to the billing addressPOD_SIGNED_MATCHINGcited
DHL recorded delivery on 11 July 2026, signed for by A NWOSU, to postal code 10011 which matches the billing address on the order.
Signed delivery to the billing address is the strongest non-receipt rebuttal · traced to EV-4441-02
+28

Context

Inside the filing bufferDEADLINE_INSIDE_BUFFER
Only 33 hours remain before the 2 September 2026 deadline, inside the 48 hours buffer.
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

Inside the filing bufferG-DEADLINE-BUFFERdecided this case
Less than your 48-hour buffer remains before the deadline. A human files this now or it is lost; it is not left to a queue.

Step 3 — what it producedrepresentment

Representment — 19-2683-6612-0033

Case identification

Acquirer Reference Number 74810552749255040012988; network case 19-2683-6612-0033; reason code 13.1 (Merchandise / Services Not Received); transaction of $423.00 on 8 July 2026.

Rebuttal of the cardholder claim

The cardholder states: "Cardholder states the order was never delivered." The record does not support that account. DHL recorded delivery on 11 July 2026, signed for by A NWOSU, to postal code 10011 which matches the billing address on the order.

POD_SIGNED_MATCHING

Authentication and authorisation

The address verification response was Y — street address and postal code both matched — on authorisation 81FG55. The card security code response was M — the code presented at checkout matched the issuer record.

AVS_FULL_MATCHCVV2_MATCH

Requested outcome

Reversal of the chargeback in full, $423.00, on the basis of 2 exhibits listed above. Filed with 33 hours remaining before the 2 September 2026 deadline.

Exhibits attached

EV-4441-02 — Carrier proof of delivery · DHL JD014600009912345678
EV-4441-03 — Authorisation response · Stripe ch_3PhK41Wq

Step 4 — self-checkReleased

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

digest 28e2384482dbff73 · the same case always produces this digest

The record3 items

Order recordEV-4441-01
Shopify · #NB-117620 · captured 08 Jul 2026
order_total_minor
42300
currency
USD
customer_account_id
cus_K7pQ12dR
Carrier proof of deliveryEV-4441-02
DHL · JD014600009912345678 · captured 11 Jul 2026
carrier
DHL
status
DELIVERED
delivered_at
2026-07-11T14:02:00Z
signature
A NWOSU
delivery_postcode
10011
+ 1 more fields
Authorisation responseEV-4441-03
Stripe · ch_3PhK41Wq · captured 08 Jul 2026
auth_code
81FG55
avs_result
Y
cvv2_result
M
approved
true

Your decision

Audit trail2 events

case.evaluated08:36:00
4 signals extracted; digest 28e2384482dbff73
1809ddd6a93d1fcfde4834cf…
decision.gated08:36:01
G-DEADLINE-BUFFER fired, giving escalate_human
71b172334db2acac05ac304d…