{"data":{"reason_code_name":"Visa 13.1 – Merchandise/Services Not Received","winProbability":78,"win_rationale":"Dispute condition is non-receipt. Merchant has UPS tracking showing delivery on 2026-10-02 to the order's shipping address (42 Elm St, Austin TX), AVS full match, and, most importantly, a customer email dated the day after delivery stating 'Got the shoes, they run a bit small.' That is the customer's own acknowledgement of receipt, which directly contradicts the claim. Weaknesses: no signature (left at front door) and the email is a merchant-supplied text excerpt rather than a screenshot or original. CE3.0 does not apply (it is for 10.4 only).","evidence_map":[{"evidence":"Customer email 2026-10-03: 'Got the shoes, they run a bit small.'","rubric_requirement":"Show the cardholder received the merchandise (customer's own acknowledgement).","how_it_satisfies":"The cardholder's account states the shoes were received one day after the UPS delivery scan, directly rebutting the non-receipt claim and aligning with the delivery date.","strength":"strong"},{"evidence":"UPS tracking 1Z999AA10123456784, delivered 2026-10-02 14:12, left at front door, 42 Elm St Austin TX","rubric_requirement":"Tracking number, carrier, and delivery confirmation showing delivery to the address on the order.","how_it_satisfies":"Carrier confirmation shows delivery 4 days after the 2026-09-28 transaction and before the 2026-10-20 dispute, at the same address as the order's shipping address.","strength":"moderate"},{"evidence":"AVS result Y (full match)","rubric_requirement":"Supporting indicator that the order was placed by the cardholder and shipped to a verified billing address.","how_it_satisfies":"Full match on address and ZIP supports the legitimacy of the order. Note it verifies the billing address, and the shipping address match is separately shown by the carrier record.","strength":"moderate"},{"evidence":"CVV result M (match)","rubric_requirement":"Supporting indicator of cardholder authorization at checkout.","how_it_satisfies":"The card security code matched at authorization. This is secondary for a non-receipt claim but supports the legitimacy of the transaction.","strength":"weak"}],"missingEvidence":[{"item":"Signed proof of delivery or delivery photo","why_it_matters":"The package was left at the front door with no signature, so a photo or GPS scan would further corroborate the location and delivery.","where_to_get_it":"UPS tracking portal or UPS My Choice / Billing Center proof-of-delivery request, including any delivery photo."},{"item":"Original email or screenshot with headers of the 2026-10-03 customer message","why_it_matters":"Lets the issuer verify the acknowledgement is authentic, with sender address and timestamp matching the customer on the order.","where_to_get_it":"Merchant support inbox or helpdesk (export as PDF/screenshot showing sender, date, and time)."},{"item":"Order confirmation showing the customer's email, billing and shipping addresses, and IP","why_it_matters":"Ties the email sender to the cardholder and confirms the ship-to address was provided at checkout.","where_to_get_it":"Shopify admin order SHOP-10442 and payment gateway transaction details."}],"weaknesses":["No signature; package left at front door, so there is no direct proof the cardholder personally took possession, though the customer email largely cures this.","The customer email is supplied only as a text excerpt; it needs the original or a screenshot to be credible.","The email shows the customer had the shoes but does not name the cardholder; the link between email sender and cardholder depends on order records not supplied.","The customer's comment on sizing hints at possible later return or refund; any refund already issued for this transaction would make fighting pointless (none is indicated in the evidence)."],"rebuttal":{"title":"Representment for Visa 13.1 – Order SHOP-10442 – Merchandise Delivered and Receipt Acknowledged by Customer","summary":"The cardholder disputed order SHOP-10442 ($189.00, trail running shoes, size 10) as not received. UPS records confirm delivery on 2026-10-02 to the order's shipping address, and on 2026-10-03 the customer emailed the merchant stating 'Got the shoes, they run a bit small.' The merchant requests that the dispute be reversed.","body":"To the Issuer's Dispute Analyst,\n\nRe: Visa reason code 13.1 (Merchandise/Services Not Received), Order SHOP-10442, $189.00 USD, transaction date 2026-09-28, dispute date 2026-10-20.\n\nThe cardholder claims the merchandise was not received. The merchant disputes this claim based on the following chronology and evidence.\n\n1. 2026-09-28: The cardholder placed order SHOP-10442 for one pair of trail running shoes, size 10, at $189.00. The authorization returned an AVS result of Y (full match) and a CVV result of M (match) (Attachment 3).\n\n2. 2026-10-02 at 14:12: UPS delivered the package, tracking number 1Z999AA10123456784, to 42 Elm St, Austin, TX 78701. This is the shipping address on the order. The carrier recorded the package as left at the front door (Attachment 1).\n\n3. 2026-10-03: The day after delivery, the customer emailed the merchant: 'Got the shoes, they run a bit small.' (Attachment 2). This is the customer's own written confirmation that the shoes were received.\n\n4. 2026-10-20: The dispute was filed, 18 days after delivery and 17 days after the customer acknowledged receipt.\n\nThe carrier's delivery confirmation to the order's address and the customer's written acknowledgement of receipt show that the merchandise was delivered and received. The only concern the customer raised was about the fit of the shoes, which is not a non-receipt condition. The merchant respectfully asks that the issuer reverse the dispute and re-present the $189.00 transaction to the cardholder's account.\n\nSincerely,\nMerchant Dispute Team","attachments_checklist":["Attachment 1: UPS tracking record for 1Z999AA10123456784 showing delivery 2026-10-02 14:12 at 42 Elm St, Austin TX, left at front door (add proof-of-delivery photo if available)","Attachment 2: Customer email dated 2026-10-03, 'Got the shoes, they run a bit small.' (original or screenshot showing sender, date, and time)","Attachment 3: Order and payment record for SHOP-10442 showing amount, transaction date 2026-09-28, shipping address, AVS result Y, and CVV result M"]},"recommend_accept":false,"rubric":{"reasonCode":"13.1","name":"Merchandise/Services Not Received","category":"not_received","basis":"Visa Core Rules, Oct 2026 edition","requiredPresent":["trackingNumber","carrier","deliveryConfirmation"],"requiredMissing":[],"helpfulMissing":["signedProofOfDelivery","digitalUsageLogs"]},"ce3":{"applicable":false,"eligible":false,"undetermined":false,"edition":null,"referenceDate":null,"qualifyingTransactions":[],"unmet":[]},"invalidDispute":{"applicable":false,"matches":[],"invalid":false,"citation":"Visa Core Rules and Visa Product and Service Rules, Oct 2026 edition, Table 11-29 (ID# 0030254)"},"decision":{"source":"model"}},"_provenance":{"version":"writerslogic-provenance/1","issuer":"did:web:agents.writerslogic.com","verify":{"endpoint":"POST /api/v1/verify-provenance","did":"did:web:agents.writerslogic.com"},"manifest":{"format":"application/json","instance_id":"xmp:iid:131e2bff-c792-4f12-bc68-1ec87f8e7d45","claim_generator_info":[{"name":"WritersLogic x402 Agent Hub","version":"2.0.0"}],"title":"E-Commerce Chargeback Representment Builder","assertions":[{"label":"c2pa.actions.v2","data":{"actions":[{"action":"c2pa.created","when":"2026-11-04T20:45:48.749Z","softwareAgent":{"name":"writerslogic-agent-hub/chargeback-fighter","version":"2.0.0"},"digitalSourceType":"http://cv.iptc.org/newscodes/digitalsourcetype/trainedAlgorithmicMedia","parameters":{"endpoint":"POST /api/v1/fight-chargeback","inputDigest":{"alg":"sha256","hash":"298c2cbee0963f90e51cdfc02645c586842fd76b8824cef0de8cddbe57159df2","canonicalization":"JCS"}}}]}},{"label":"c2pa.hash.data","data":{"alg":"sha256","hash":"6feb687f95e28deb1f06bb070445bbc9f60c1270b29bc606d41203207d97c91a","name":"jcs-canonical-json(data)"}}]},"credential":{"@context":["https://www.w3.org/ns/credentials/v2"],"id":"urn:uuid:10c7b7d7-a827-4d0c-8def-c9de9760f966","type":["VerifiableCredential","AgentOutputCredential"],"issuer":"did:web:agents.writerslogic.com","validFrom":"2026-11-04T20:45:48.749Z","credentialSubject":{"id":"urn:sha256:6feb687f95e28deb1f06bb070445bbc9f60c1270b29bc606d41203207d97c91a","agent":"chargeback-fighter","endpoint":"POST /api/v1/fight-chargeback","outputDigest":{"alg":"sha256","value":"6feb687f95e28deb1f06bb070445bbc9f60c1270b29bc606d41203207d97c91a","canonicalization":"JCS"},"inputDigest":{"alg":"sha256","value":"298c2cbee0963f90e51cdfc02645c586842fd76b8824cef0de8cddbe57159df2","canonicalization":"JCS"},"manifestDigest":{"alg":"sha256","value":"87d03710ec201510a46f7deb8899f57463980aacde54556ce16f6efb22f348ac","canonicalization":"JCS"},"ingredients":[],"payment":{"scheme":"api-key","network":"eip155:8453","payer":"sample"}},"proof":{"type":"DataIntegrityProof","cryptosuite":"eddsa-jcs-2022","created":"2026-11-04T20:45:48.749Z","verificationMethod":"did:web:agents.writerslogic.com#key-1","proofPurpose":"assertionMethod","proofValue":"z53scuNazsXXJpupoxhmwG1zrPL4wnbQnWTEeCtqrpRH3YdPrm4hLxB17abMHSn9gvco7BhB5k1ZMWdLDqbX7uhH9"}},"ethSignature":{"type":"EIP-191","signer":"did:pkh:eip155:8453:0x3DBd42560cA7a7E448A2c7DfC9E785526189411f","address":"0x3DBd42560cA7a7E448A2c7DfC9E785526189411f","message":"writerslogic-provenance:436636ba7222fa26eac8bae08d070e44cb317b574ccff08bb09486a4c4cf4c42","signature":"0x146a964cc2f9da91fff9eb91fc9c99d8b8e086a612630df65564e9bfda12668d100c22ea739b2d3dd519638c0413e39e43dd9beec47ca9ee0118a1c12ad030191b"}}}