DSP-4443Card disputeMASTERCARDRC 4853MCC 5815

Halden Studio

Cardholder Dispute · MC-CLM-8846220

At stake

$32.00

Expected recovery under this decision $0.00

Representment deadline

44 days remaining

Network deadline 14 October 2026

Engine decision

Accept liabilityHigh confidence

Decided by gate G-NET-VALUE, bypassing the score of 79.

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_MATCH
The address verification response was Y — street address and postal code both matched — on authorisation 12WQ64.
Address verification result · traced to EV-4443-03
+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-4443-03
+3.2
Product used after purchaseACCESS_AFTER_PURCHASE
The account records 3 downloads after the transaction, most recently on 25 August 2026.
Post-purchase product usage · traced to EV-4443-02
+16

Against it

Below the net value floorBELOW_NET_VALUE_FLOORcited
Net of the $15.00 representment fee the case is worth $17.00, 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.

Step 3 — the position it takesnone

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

Net of the $15.00 representment fee the case is worth $17.00, below your $25.00 floor.

BELOW_NET_VALUE_FLOOR

Ledger effect

$32.00 is written off against Halden Studio, reason code 4853.

Step 4 — self-checkReleased

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

digest 7aad71f2c7faad80 · the same case always produces this digest

The record3 items

Order recordEV-4443-01
Shopify · #HS-46701 · captured 14 Aug 2026
order_total_minor
3200
currency
USD
customer_account_id
cus_F4hJ77tY
Content access logEV-4443-02
Halden app · acc_46701 · captured 30 Aug 2026
downloads_after_purchase
3
last_access
2026-08-25T19:40:00Z
Authorisation responseEV-4443-03
Stripe · ch_3PnQ71Vb · captured 14 Aug 2026
auth_code
12WQ64
avs_result
Y
cvv2_result
M
approved
true

Your decision

Audit trail2 events

case.evaluated08:37:30
4 signals extracted; digest 7aad71f2c7faad80
921ac183868b0ad8569c1720…
decision.gated08:37:31
G-NET-VALUE fired, giving accept_liability
51c693ab13e74eeb43d0b14a…