{ "tool_id": "art-776-paypal-dispute-deadline-evidence", "note": "Golden + edge vectors for the PayPal dispute deadline and evidence producer (PAYPAL-DISPUTE-DEADLINE-NODE-1). Coverage: all four disputes.js reasons (including missing-evidence shapes), past-due inquiry, seller_response_due_date passthrough, the three stage-scoping branches (chargeback+card CE3.0-shaped bundle; inquiry/claim/paypal-funded paypal_process_evidence; unknown funding withheld), NOT STATED deadline postures for chargeback and both appeal stages, and six named refusals. Every deadline number is PayPal-stated via research/clause-snapshots/paypal-disputes-2026-10/SNAPSHOT.md; NOT STATED windows are null with a reason. golden_hash pending - run `node golden-parity.test.mjs --update` to pin it.", "vectors": [ { "name": "inquiry_inr_full_evidence", "description": "Golden inquiry: MERCHANDISE_OR_SERVICE_NOT_RECEIVED on a paypal_balance_or_bank funded internal dispute, full fulfillment evidence on hand. Snapshot rules apply: seller response due at create + 10 days (S8/S1), inquiry stage ends at create + 20 days (S1/S8), 6 days remaining. Evidence bundle is paypal_process_evidence (tracking_info_list shape per schema v1.12), explicitly not CE3.0.", "policy_parameters": { "dispute_reason": "MERCHANDISE_OR_SERVICE_NOT_RECEIVED", "lifecycle_stage": "INQUIRY", "funding_source": "paypal_balance_or_bank", "dispute_create_time": "2026-10-01T12:00:00Z", "as_of": "2026-10-05T12:00:00Z", "evidence_on_hand": { "carrier_name": "SyntheticCarrier", "tracking_number": "SYN-0001" } }, "output_payload": { "dispute_reason": "MERCHANDISE_OR_SERVICE_NOT_RECEIVED", "lifecycle_stage": "INQUIRY", "funding_source": "paypal_balance_or_bank", "dispute_create_time": "2026-10-01T12:00:00.000Z", "as_of": "2026-10-05T12:00:00.000Z", "deadlines": { "seller_response": { "due": "2026-10-11T12:00:00.000Z", "source": "snapshot_rule_10_day", "basis": "Snapshot rule: \"You must respond within the first 10 days following a dispute creation.\" (S8); \"As a merchant, you can submit supporting documentation within 10 days after the inquiry starts.\" (S1)", "days_remaining": 6, "past_due": false }, "inquiry_stage": { "due": "2026-10-21T12:00:00.000Z", "source": "snapshot_rule_20_day", "basis": "Snapshot rule: \"The inquiry stage lasts up to 20 days unless escalated to a claim.\" (S1); \"Disputes are closed automatically after 20 days unless you or the buyer escalate it.\" (S8)", "days_remaining": 16, "past_due": false }, "escalation_available_until": "2026-10-21T12:00:00.000Z" }, "required_evidence": { "evidence_type": "PROOF_OF_FULFILLMENT", "required": [ "carrier_name", "tracking_number" ], "why": "prove delivery: carrier name + tracking number for the shipment" }, "evidence_on_hand": { "carrier_name": "SyntheticCarrier", "tracking_number": "SYN-0001", "refund_id": null, "notes": null }, "missing_evidence": [], "bundle_decision": { "ce30_applicable": false, "bundle_kind": "paypal_process_evidence", "reason": "Inquiry or appeal stage: PayPal buyer-protection process evidence, explicitly not CE3.0. CE3.0 does not govern PayPal inquiries, claims or appeals." }, "ce30_shaped_bundle": null, "paypal_process_evidence": { "label": "paypal_process_evidence: PayPal buyer-protection process evidence, explicitly NOT CE3.0 (no card-network compelling-evidence program applies)", "evidences": [ { "evidence_type": "PROOF_OF_FULFILLMENT", "evidence_info": { "tracking_info": { "tracking_info_list": [ { "carrier_name": "SyntheticCarrier", "tracking_number": "SYN-0001" } ] } } } ], "submittable": true }, "cited_clauses": [ { "id": "S1", "quote": "As a merchant, you can submit supporting documentation within 10 days after the inquiry starts.", "url": "https://developer.paypal.com/platforms/disputes/handle-disputes/use-disputes-api" }, { "id": "S8", "quote": "You must respond within the first 10 days following a dispute creation.", "url": "https://www.paypal.com/us/cshelp/article/how-do-i-respond-to-%E2%80%98item-not-received%E2%80%99-and-%E2%80%98significantly-not-as-described%E2%80%99-disputes-help1083" }, { "id": "S8", "quote": "If you don't respond within these 10 days and the buyer escalates it to a claim, we will resolve the case in the buyer's favor.", "url": "https://www.paypal.com/us/cshelp/article/how-do-i-respond-to-%E2%80%98item-not-received%E2%80%99-and-%E2%80%98significantly-not-as-described%E2%80%99-disputes-help1083" }, { "id": "S1", "quote": "The inquiry stage lasts up to 20 days unless escalated to a claim.", "url": "https://developer.paypal.com/platforms/disputes/handle-disputes/use-disputes-api" }, { "id": "S8", "quote": "Disputes are closed automatically after 20 days unless you or the buyer escalate it.", "url": "https://www.paypal.com/us/cshelp/article/how-do-i-respond-to-%E2%80%98item-not-received%E2%80%99-and-%E2%80%98significantly-not-as-described%E2%80%99-disputes-help1083" } ], "domain_errors": [], "refusal_reason": null }, "golden_hash": "ef90536f553fa90239eefcba00e6a4410cd33ea2df8692cf2f8423b7afffa386" }, { "name": "inquiry_snad_notes_evidence", "description": "Inquiry with MERCHANDISE_OR_SERVICE_NOT_AS_DESCRIBED: required evidence is OTHER with a narrative in notes (disputes.js vocabulary verbatim). The paypal_process_evidence bundle carries notes at the evidence level and an empty evidence_info.", "policy_parameters": { "dispute_reason": "MERCHANDISE_OR_SERVICE_NOT_AS_DESCRIBED", "lifecycle_stage": "INQUIRY", "funding_source": "paypal_balance_or_bank", "dispute_create_time": "2026-10-02T09:30:00Z", "as_of": "2026-10-04T09:30:00Z", "evidence_on_hand": { "notes": "Synthetic product description matching the listing; return policy text on file." } }, "output_payload": { "dispute_reason": "MERCHANDISE_OR_SERVICE_NOT_AS_DESCRIBED", "lifecycle_stage": "INQUIRY", "funding_source": "paypal_balance_or_bank", "dispute_create_time": "2026-10-02T09:30:00.000Z", "as_of": "2026-10-04T09:30:00.000Z", "deadlines": { "seller_response": { "due": "2026-10-12T09:30:00.000Z", "source": "snapshot_rule_10_day", "basis": "Snapshot rule: \"You must respond within the first 10 days following a dispute creation.\" (S8); \"As a merchant, you can submit supporting documentation within 10 days after the inquiry starts.\" (S1)", "days_remaining": 8, "past_due": false }, "inquiry_stage": { "due": "2026-10-22T09:30:00.000Z", "source": "snapshot_rule_20_day", "basis": "Snapshot rule: \"The inquiry stage lasts up to 20 days unless escalated to a claim.\" (S1); \"Disputes are closed automatically after 20 days unless you or the buyer escalate it.\" (S8)", "days_remaining": 18, "past_due": false }, "escalation_available_until": "2026-10-22T09:30:00.000Z" }, "required_evidence": { "evidence_type": "OTHER", "required": [ "notes" ], "why": "product description proving as-described condition, or the return policy text" }, "evidence_on_hand": { "carrier_name": null, "tracking_number": null, "refund_id": null, "notes": "Synthetic product description matching the listing; return policy text on file." }, "missing_evidence": [], "bundle_decision": { "ce30_applicable": false, "bundle_kind": "paypal_process_evidence", "reason": "Inquiry or appeal stage: PayPal buyer-protection process evidence, explicitly not CE3.0. CE3.0 does not govern PayPal inquiries, claims or appeals." }, "ce30_shaped_bundle": null, "paypal_process_evidence": { "label": "paypal_process_evidence: PayPal buyer-protection process evidence, explicitly NOT CE3.0 (no card-network compelling-evidence program applies)", "evidences": [ { "evidence_type": "OTHER", "evidence_info": {}, "notes": "Synthetic product description matching the listing; return policy text on file." } ], "submittable": true }, "cited_clauses": [ { "id": "S1", "quote": "As a merchant, you can submit supporting documentation within 10 days after the inquiry starts.", "url": "https://developer.paypal.com/platforms/disputes/handle-disputes/use-disputes-api" }, { "id": "S8", "quote": "You must respond within the first 10 days following a dispute creation.", "url": "https://www.paypal.com/us/cshelp/article/how-do-i-respond-to-%E2%80%98item-not-received%E2%80%99-and-%E2%80%98significantly-not-as-described%E2%80%99-disputes-help1083" }, { "id": "S8", "quote": "If you don't respond within these 10 days and the buyer escalates it to a claim, we will resolve the case in the buyer's favor.", "url": "https://www.paypal.com/us/cshelp/article/how-do-i-respond-to-%E2%80%98item-not-received%E2%80%99-and-%E2%80%98significantly-not-as-described%E2%80%99-disputes-help1083" }, { "id": "S1", "quote": "The inquiry stage lasts up to 20 days unless escalated to a claim.", "url": "https://developer.paypal.com/platforms/disputes/handle-disputes/use-disputes-api" }, { "id": "S8", "quote": "Disputes are closed automatically after 20 days unless you or the buyer escalate it.", "url": "https://www.paypal.com/us/cshelp/article/how-do-i-respond-to-%E2%80%98item-not-received%E2%80%99-and-%E2%80%98significantly-not-as-described%E2%80%99-disputes-help1083" } ], "domain_errors": [], "refusal_reason": null }, "golden_hash": "ac937501981dc13d4ee8cc46989b3691f34abc42a7a965fc0ff5dd024beb4a48" }, { "name": "inquiry_cnp_refund_evidence", "description": "Inquiry with CREDIT_NOT_PROCESSED: required evidence is PROOF_OF_REFUND with refund_id. The bundle emits refund_ids.refund_ids_list (schema v1.12 shape; the snapshot records that refund_info is not a schema key).", "policy_parameters": { "dispute_reason": "CREDIT_NOT_PROCESSED", "lifecycle_stage": "INQUIRY", "funding_source": "paypal_balance_or_bank", "dispute_create_time": "2026-10-03T00:15:00Z", "as_of": "2026-10-10T00:15:00Z", "evidence_on_hand": { "refund_id": "SYN-REFUND-77" } }, "output_payload": { "dispute_reason": "CREDIT_NOT_PROCESSED", "lifecycle_stage": "INQUIRY", "funding_source": "paypal_balance_or_bank", "dispute_create_time": "2026-10-03T00:15:00.000Z", "as_of": "2026-10-10T00:15:00.000Z", "deadlines": { "seller_response": { "due": "2026-10-13T00:15:00.000Z", "source": "snapshot_rule_10_day", "basis": "Snapshot rule: \"You must respond within the first 10 days following a dispute creation.\" (S8); \"As a merchant, you can submit supporting documentation within 10 days after the inquiry starts.\" (S1)", "days_remaining": 3, "past_due": false }, "inquiry_stage": { "due": "2026-10-23T00:15:00.000Z", "source": "snapshot_rule_20_day", "basis": "Snapshot rule: \"The inquiry stage lasts up to 20 days unless escalated to a claim.\" (S1); \"Disputes are closed automatically after 20 days unless you or the buyer escalate it.\" (S8)", "days_remaining": 13, "past_due": false }, "escalation_available_until": "2026-10-23T00:15:00.000Z" }, "required_evidence": { "evidence_type": "PROOF_OF_REFUND", "required": [ "refund_id" ], "why": "the refund transaction id showing the credit was issued" }, "evidence_on_hand": { "carrier_name": null, "tracking_number": null, "refund_id": "SYN-REFUND-77", "notes": null }, "missing_evidence": [], "bundle_decision": { "ce30_applicable": false, "bundle_kind": "paypal_process_evidence", "reason": "Inquiry or appeal stage: PayPal buyer-protection process evidence, explicitly not CE3.0. CE3.0 does not govern PayPal inquiries, claims or appeals." }, "ce30_shaped_bundle": null, "paypal_process_evidence": { "label": "paypal_process_evidence: PayPal buyer-protection process evidence, explicitly NOT CE3.0 (no card-network compelling-evidence program applies)", "evidences": [ { "evidence_type": "PROOF_OF_REFUND", "evidence_info": { "refund_ids": { "refund_ids_list": [ "SYN-REFUND-77" ] } } } ], "submittable": true }, "cited_clauses": [ { "id": "S1", "quote": "As a merchant, you can submit supporting documentation within 10 days after the inquiry starts.", "url": "https://developer.paypal.com/platforms/disputes/handle-disputes/use-disputes-api" }, { "id": "S8", "quote": "You must respond within the first 10 days following a dispute creation.", "url": "https://www.paypal.com/us/cshelp/article/how-do-i-respond-to-%E2%80%98item-not-received%E2%80%99-and-%E2%80%98significantly-not-as-described%E2%80%99-disputes-help1083" }, { "id": "S8", "quote": "If you don't respond within these 10 days and the buyer escalates it to a claim, we will resolve the case in the buyer's favor.", "url": "https://www.paypal.com/us/cshelp/article/how-do-i-respond-to-%E2%80%98item-not-received%E2%80%99-and-%E2%80%98significantly-not-as-described%E2%80%99-disputes-help1083" }, { "id": "S1", "quote": "The inquiry stage lasts up to 20 days unless escalated to a claim.", "url": "https://developer.paypal.com/platforms/disputes/handle-disputes/use-disputes-api" }, { "id": "S8", "quote": "Disputes are closed automatically after 20 days unless you or the buyer escalate it.", "url": "https://www.paypal.com/us/cshelp/article/how-do-i-respond-to-%E2%80%98item-not-received%E2%80%99-and-%E2%80%98significantly-not-as-described%E2%80%99-disputes-help1083" } ], "domain_errors": [], "refusal_reason": null }, "golden_hash": "ec8ef995348292515bb744cefca4be4ca079981499bd1cdb1f7ea41f12dc80ad" }, { "name": "inquiry_unauthorised_missing_evidence", "description": "Inquiry with UNAUTHORISED (British spelling, PayPal enum verbatim) and NO evidence on hand: missing_evidence lists carrier_name and tracking_number, the bundle is emitted but submittable is false, and PAYPAL_EVIDENCE_INCOMPLETE is flagged.", "policy_parameters": { "dispute_reason": "UNAUTHORISED", "lifecycle_stage": "INQUIRY", "funding_source": "card", "dispute_create_time": "2026-10-05T18:45:00Z", "as_of": "2026-10-06T18:45:00Z" }, "output_payload": { "dispute_reason": "UNAUTHORISED", "lifecycle_stage": "INQUIRY", "funding_source": "card", "dispute_create_time": "2026-10-05T18:45:00.000Z", "as_of": "2026-10-06T18:45:00.000Z", "deadlines": { "seller_response": { "due": "2026-10-15T18:45:00.000Z", "source": "snapshot_rule_10_day", "basis": "Snapshot rule: \"You must respond within the first 10 days following a dispute creation.\" (S8); \"As a merchant, you can submit supporting documentation within 10 days after the inquiry starts.\" (S1)", "days_remaining": 9, "past_due": false }, "inquiry_stage": { "due": "2026-10-25T18:45:00.000Z", "source": "snapshot_rule_20_day", "basis": "Snapshot rule: \"The inquiry stage lasts up to 20 days unless escalated to a claim.\" (S1); \"Disputes are closed automatically after 20 days unless you or the buyer escalate it.\" (S8)", "days_remaining": 19, "past_due": false }, "escalation_available_until": "2026-10-25T18:45:00.000Z" }, "required_evidence": { "evidence_type": "PROOF_OF_FULFILLMENT", "required": [ "carrier_name", "tracking_number" ], "why": "prove the goods reached the cardholder (or their address) with carrier + tracking" }, "evidence_on_hand": { "carrier_name": null, "tracking_number": null, "refund_id": null, "notes": null }, "missing_evidence": [ "carrier_name", "tracking_number" ], "bundle_decision": { "ce30_applicable": false, "bundle_kind": "paypal_process_evidence", "reason": "Inquiry or appeal stage: PayPal buyer-protection process evidence, explicitly not CE3.0. CE3.0 does not govern PayPal inquiries, claims or appeals." }, "ce30_shaped_bundle": null, "paypal_process_evidence": { "label": "paypal_process_evidence: PayPal buyer-protection process evidence, explicitly NOT CE3.0 (no card-network compelling-evidence program applies)", "evidences": [ { "evidence_type": "PROOF_OF_FULFILLMENT", "evidence_info": { "tracking_info": {} } } ], "submittable": false }, "cited_clauses": [ { "id": "S1", "quote": "As a merchant, you can submit supporting documentation within 10 days after the inquiry starts.", "url": "https://developer.paypal.com/platforms/disputes/handle-disputes/use-disputes-api" }, { "id": "S8", "quote": "You must respond within the first 10 days following a dispute creation.", "url": "https://www.paypal.com/us/cshelp/article/how-do-i-respond-to-%E2%80%98item-not-received%E2%80%99-and-%E2%80%98significantly-not-as-described%E2%80%99-disputes-help1083" }, { "id": "S8", "quote": "If you don't respond within these 10 days and the buyer escalates it to a claim, we will resolve the case in the buyer's favor.", "url": "https://www.paypal.com/us/cshelp/article/how-do-i-respond-to-%E2%80%98item-not-received%E2%80%99-and-%E2%80%98significantly-not-as-described%E2%80%99-disputes-help1083" }, { "id": "S1", "quote": "The inquiry stage lasts up to 20 days unless escalated to a claim.", "url": "https://developer.paypal.com/platforms/disputes/handle-disputes/use-disputes-api" }, { "id": "S8", "quote": "Disputes are closed automatically after 20 days unless you or the buyer escalate it.", "url": "https://www.paypal.com/us/cshelp/article/how-do-i-respond-to-%E2%80%98item-not-received%E2%80%99-and-%E2%80%98significantly-not-as-described%E2%80%99-disputes-help1083" } ], "domain_errors": [], "refusal_reason": null }, "golden_hash": "7ae41ef6bf3ef48109c8a728d372eaf7db773fe460c56c364c079e97bb901fd9" }, { "name": "inquiry_past_due", "description": "Past-due inquiry: as_of sits 21 days after creation, past both the 10-day seller response deadline and the 20-day inquiry window. Flags PAYPAL_RESPONSE_PAST_DUE and PAYPAL_INQUIRY_WINDOW_ELAPSED; days_remaining is negative.", "policy_parameters": { "dispute_reason": "MERCHANDISE_OR_SERVICE_NOT_RECEIVED", "lifecycle_stage": "INQUIRY", "funding_source": "paypal_balance_or_bank", "dispute_create_time": "2026-09-01T08:00:00Z", "as_of": "2026-09-22T08:00:00Z", "evidence_on_hand": { "carrier_name": "SyntheticCarrier", "tracking_number": "SYN-0002" } }, "output_payload": { "dispute_reason": "MERCHANDISE_OR_SERVICE_NOT_RECEIVED", "lifecycle_stage": "INQUIRY", "funding_source": "paypal_balance_or_bank", "dispute_create_time": "2026-09-01T08:00:00.000Z", "as_of": "2026-09-22T08:00:00.000Z", "deadlines": { "seller_response": { "due": "2026-09-11T08:00:00.000Z", "source": "snapshot_rule_10_day", "basis": "Snapshot rule: \"You must respond within the first 10 days following a dispute creation.\" (S8); \"As a merchant, you can submit supporting documentation within 10 days after the inquiry starts.\" (S1)", "days_remaining": -11, "past_due": true }, "inquiry_stage": { "due": "2026-09-21T08:00:00.000Z", "source": "snapshot_rule_20_day", "basis": "Snapshot rule: \"The inquiry stage lasts up to 20 days unless escalated to a claim.\" (S1); \"Disputes are closed automatically after 20 days unless you or the buyer escalate it.\" (S8)", "days_remaining": -1, "past_due": true }, "escalation_available_until": "2026-09-21T08:00:00.000Z" }, "required_evidence": { "evidence_type": "PROOF_OF_FULFILLMENT", "required": [ "carrier_name", "tracking_number" ], "why": "prove delivery: carrier name + tracking number for the shipment" }, "evidence_on_hand": { "carrier_name": "SyntheticCarrier", "tracking_number": "SYN-0002", "refund_id": null, "notes": null }, "missing_evidence": [], "bundle_decision": { "ce30_applicable": false, "bundle_kind": "paypal_process_evidence", "reason": "Inquiry or appeal stage: PayPal buyer-protection process evidence, explicitly not CE3.0. CE3.0 does not govern PayPal inquiries, claims or appeals." }, "ce30_shaped_bundle": null, "paypal_process_evidence": { "label": "paypal_process_evidence: PayPal buyer-protection process evidence, explicitly NOT CE3.0 (no card-network compelling-evidence program applies)", "evidences": [ { "evidence_type": "PROOF_OF_FULFILLMENT", "evidence_info": { "tracking_info": { "tracking_info_list": [ { "carrier_name": "SyntheticCarrier", "tracking_number": "SYN-0002" } ] } } } ], "submittable": true }, "cited_clauses": [ { "id": "S1", "quote": "As a merchant, you can submit supporting documentation within 10 days after the inquiry starts.", "url": "https://developer.paypal.com/platforms/disputes/handle-disputes/use-disputes-api" }, { "id": "S8", "quote": "You must respond within the first 10 days following a dispute creation.", "url": "https://www.paypal.com/us/cshelp/article/how-do-i-respond-to-%E2%80%98item-not-received%E2%80%99-and-%E2%80%98significantly-not-as-described%E2%80%99-disputes-help1083" }, { "id": "S8", "quote": "If you don't respond within these 10 days and the buyer escalates it to a claim, we will resolve the case in the buyer's favor.", "url": "https://www.paypal.com/us/cshelp/article/how-do-i-respond-to-%E2%80%98item-not-received%E2%80%99-and-%E2%80%98significantly-not-as-described%E2%80%99-disputes-help1083" }, { "id": "S1", "quote": "The inquiry stage lasts up to 20 days unless escalated to a claim.", "url": "https://developer.paypal.com/platforms/disputes/handle-disputes/use-disputes-api" }, { "id": "S8", "quote": "Disputes are closed automatically after 20 days unless you or the buyer escalate it.", "url": "https://www.paypal.com/us/cshelp/article/how-do-i-respond-to-%E2%80%98item-not-received%E2%80%99-and-%E2%80%98significantly-not-as-described%E2%80%99-disputes-help1083" } ], "domain_errors": [], "refusal_reason": null }, "golden_hash": "45392f17b087cbaaaa6d4de151243f4b606c13f6c99f3d68f7d7f7005868e910" }, { "name": "inquiry_passthrough_due_date", "description": "seller_response_due_date passthrough: when PayPal supplies its own timestamp (S5), it IS the deadline and the snapshot 10-day rule is not applied. Source is passthrough; inquiry stage end still uses the 20-day snapshot rule.", "policy_parameters": { "dispute_reason": "MERCHANDISE_OR_SERVICE_NOT_RECEIVED", "lifecycle_stage": "INQUIRY", "funding_source": "paypal_balance_or_bank", "dispute_create_time": "2026-10-01T12:00:00Z", "as_of": "2026-10-03T12:00:00Z", "seller_response_due_date": "2026-10-09T12:00:00Z", "evidence_on_hand": { "carrier_name": "SyntheticCarrier", "tracking_number": "SYN-0003" } }, "output_payload": { "dispute_reason": "MERCHANDISE_OR_SERVICE_NOT_RECEIVED", "lifecycle_stage": "INQUIRY", "funding_source": "paypal_balance_or_bank", "dispute_create_time": "2026-10-01T12:00:00.000Z", "as_of": "2026-10-03T12:00:00.000Z", "deadlines": { "seller_response": { "due": "2026-10-09T12:00:00.000Z", "source": "passthrough", "basis": "seller_response_due_date passthrough: \"The date and time by when the merchant must respond to the dispute, in Internet date and time format.\" (S5); consequence \"If the merchant does not respond by this date and time, the dispute is closed in the customer's favor.\" (S5)", "days_remaining": 6, "past_due": false }, "inquiry_stage": { "due": "2026-10-21T12:00:00.000Z", "source": "snapshot_rule_20_day", "basis": "Snapshot rule: \"The inquiry stage lasts up to 20 days unless escalated to a claim.\" (S1); \"Disputes are closed automatically after 20 days unless you or the buyer escalate it.\" (S8)", "days_remaining": 18, "past_due": false }, "escalation_available_until": "2026-10-21T12:00:00.000Z" }, "required_evidence": { "evidence_type": "PROOF_OF_FULFILLMENT", "required": [ "carrier_name", "tracking_number" ], "why": "prove delivery: carrier name + tracking number for the shipment" }, "evidence_on_hand": { "carrier_name": "SyntheticCarrier", "tracking_number": "SYN-0003", "refund_id": null, "notes": null }, "missing_evidence": [], "bundle_decision": { "ce30_applicable": false, "bundle_kind": "paypal_process_evidence", "reason": "Inquiry or appeal stage: PayPal buyer-protection process evidence, explicitly not CE3.0. CE3.0 does not govern PayPal inquiries, claims or appeals." }, "ce30_shaped_bundle": null, "paypal_process_evidence": { "label": "paypal_process_evidence: PayPal buyer-protection process evidence, explicitly NOT CE3.0 (no card-network compelling-evidence program applies)", "evidences": [ { "evidence_type": "PROOF_OF_FULFILLMENT", "evidence_info": { "tracking_info": { "tracking_info_list": [ { "carrier_name": "SyntheticCarrier", "tracking_number": "SYN-0003" } ] } } } ], "submittable": true }, "cited_clauses": [ { "id": "S5", "quote": "The date and time by when the merchant must respond to the dispute, in Internet date and time format.", "url": "https://developer.paypal.com/api/customer-disputes/v1/schema.json" }, { "id": "S5", "quote": "If the merchant does not respond by this date and time, the dispute is closed in the customer's favor.", "url": "https://developer.paypal.com/api/customer-disputes/v1/schema.json" } ], "domain_errors": [], "refusal_reason": null }, "golden_hash": "0b50aadc8afccf69d8290f48d42463869cb40bf298b32378f0cc76b3ad83a0ed" }, { "name": "chargeback_card_unauthorised_ce30_bundle", "description": "Network dispute golden: CHARGEBACK on a card-funded transaction with UNAUTHORISED and full fulfillment evidence. The CE3.0-shaped bundle is emitted with art-297 field names verbatim: delivery_proof carries a real SHA-256 digest over the JCS-canonical fulfillment evidence and bound_transaction_ref bound to the synthetic transaction ref; ap2_mandate, tap_signature, agentic_token and prior_transactions are null (no PayPal counterpart); reason_code is null (mapping NOT STATED). seller_response_due_date passthrough supplies the only stated deadline.", "policy_parameters": { "dispute_reason": "UNAUTHORISED", "lifecycle_stage": "CHARGEBACK", "funding_source": "card", "dispute_create_time": "2026-10-01T12:00:00Z", "as_of": "2026-10-05T12:00:00Z", "seller_response_due_date": "2026-10-11T12:00:00Z", "transaction_ref": "SYN-TXN-42", "card_network": "visa", "evidence_on_hand": { "carrier_name": "SyntheticCarrier", "tracking_number": "SYN-0004" } }, "output_payload": { "dispute_reason": "UNAUTHORISED", "lifecycle_stage": "CHARGEBACK", "funding_source": "card", "dispute_create_time": "2026-10-01T12:00:00.000Z", "as_of": "2026-10-05T12:00:00.000Z", "deadlines": { "seller_response": { "due": "2026-10-11T12:00:00.000Z", "source": "passthrough", "basis": "seller_response_due_date passthrough: \"The date and time by when the merchant must respond to the dispute, in Internet date and time format.\" (S5); consequence \"If the merchant does not respond by this date and time, the dispute is closed in the customer's favor.\" (S5)", "days_remaining": 6, "past_due": false }, "inquiry_stage": null, "escalation_available_until": null }, "required_evidence": { "evidence_type": "PROOF_OF_FULFILLMENT", "required": [ "carrier_name", "tracking_number" ], "why": "prove the goods reached the cardholder (or their address) with carrier + tracking" }, "evidence_on_hand": { "carrier_name": "SyntheticCarrier", "tracking_number": "SYN-0004", "refund_id": null, "notes": null }, "missing_evidence": [], "bundle_decision": { "ce30_applicable": true, "bundle_kind": "ce30_shaped", "reason": "Chargeback on a card-funded transaction: the network dispute case. CE3.0-shaped bundle emitted for consumption by art-297 (mcp:lint_compelling_evidence_ce30_agentic)." }, "ce30_shaped_bundle": { "label": "CE3.0-shaped bundle for consumption by art-297 (mcp:lint_compelling_evidence_ce30_agentic); Visa CE3.0 is a card-network program, not a PayPal one", "dispute": { "network": "visa", "reason_code": null, "transaction_ref": "SYN-TXN-42" }, "evidence": { "ap2_mandate": null, "tap_signature": null, "agentic_token": null, "delivery_proof": { "digest": "eb0ba18df9c2516e041a81e6e26c0ed52face43a28c2237a67230e457b52a7de", "bound_transaction_ref": "SYN-TXN-42" }, "prior_transactions": null }, "null_fields_note": "ap2_mandate, tap_signature, agentic_token: no PayPal counterpart (PayPal produces no AP2 mandate, TAP signature or agentic token for a dispute). reason_code: PayPal-to-network reason-code mapping NOT STATED in the PayPal snapshot. prior_transactions: PayPal Disputes API states no prior-transaction linkage data." }, "paypal_process_evidence": null, "cited_clauses": [ { "id": "S5", "quote": "The date and time by when the merchant must respond to the dispute, in Internet date and time format.", "url": "https://developer.paypal.com/api/customer-disputes/v1/schema.json" }, { "id": "S5", "quote": "If the merchant does not respond by this date and time, the dispute is closed in the customer's favor.", "url": "https://developer.paypal.com/api/customer-disputes/v1/schema.json" } ], "domain_errors": [], "refusal_reason": null }, "golden_hash": "2efb7fc2469f88a0b16f4df8e007415b6a3bee88217aefdb8d993e5cec4e6a4d" }, { "name": "chargeback_card_inr_no_evidence", "description": "CHARGEBACK on a card-funded transaction with NO evidence and NO passthrough due date: the CE3.0-shaped bundle is emitted with delivery_proof null (fulfillment evidence incomplete), and the chargeback-stage seller response window is returned null with a reason (NOT STATED; deadlines are issuer-based per S9, no number on S1-S9).", "policy_parameters": { "dispute_reason": "MERCHANDISE_OR_SERVICE_NOT_RECEIVED", "lifecycle_stage": "CHARGEBACK", "funding_source": "card", "dispute_create_time": "2026-10-01T12:00:00Z", "as_of": "2026-10-05T12:00:00Z", "transaction_ref": "SYN-TXN-43" }, "output_payload": { "dispute_reason": "MERCHANDISE_OR_SERVICE_NOT_RECEIVED", "lifecycle_stage": "CHARGEBACK", "funding_source": "card", "dispute_create_time": "2026-10-01T12:00:00.000Z", "as_of": "2026-10-05T12:00:00.000Z", "deadlines": { "seller_response": { "due": null, "source": "not_stated", "basis": "Chargeback-stage seller response window in days: NOT STATED. PayPal states deadlines exist: \"please respond to us promptly as there are strict response deadlines required for chargebacks based on the issuer.\" (S9); no number on S1-S9. Supply seller_response_due_date to pass PayPal's own timestamp through.", "days_remaining": null, "past_due": null }, "inquiry_stage": null, "escalation_available_until": null }, "required_evidence": { "evidence_type": "PROOF_OF_FULFILLMENT", "required": [ "carrier_name", "tracking_number" ], "why": "prove delivery: carrier name + tracking number for the shipment" }, "evidence_on_hand": { "carrier_name": null, "tracking_number": null, "refund_id": null, "notes": null }, "missing_evidence": [ "carrier_name", "tracking_number" ], "bundle_decision": { "ce30_applicable": true, "bundle_kind": "ce30_shaped", "reason": "Chargeback on a card-funded transaction: the network dispute case. CE3.0-shaped bundle emitted for consumption by art-297 (mcp:lint_compelling_evidence_ce30_agentic)." }, "ce30_shaped_bundle": { "label": "CE3.0-shaped bundle for consumption by art-297 (mcp:lint_compelling_evidence_ce30_agentic); Visa CE3.0 is a card-network program, not a PayPal one", "dispute": { "network": null, "reason_code": null, "transaction_ref": "SYN-TXN-43" }, "evidence": { "ap2_mandate": null, "tap_signature": null, "agentic_token": null, "delivery_proof": null, "prior_transactions": null }, "null_fields_note": "ap2_mandate, tap_signature, agentic_token: no PayPal counterpart (PayPal produces no AP2 mandate, TAP signature or agentic token for a dispute). reason_code: PayPal-to-network reason-code mapping NOT STATED in the PayPal snapshot. prior_transactions: PayPal Disputes API states no prior-transaction linkage data." }, "paypal_process_evidence": null, "cited_clauses": [ { "id": "S2", "quote": "CHARGEBACK. A customer or merchant escalates an inquiry to a claim, which authorizes PayPal to investigate the case and make a determination.", "url": "https://developer.paypal.com/disputes/disputes-lifecycle" }, { "id": "S9", "quote": "please respond to us promptly as there are strict response deadlines required for chargebacks based on the issuer.", "url": "https://www.paypal.com/us/cshelp/article/evidence-to-provide-for-chargebacks-a-guide-for-sellers-help1103" } ], "domain_errors": [], "refusal_reason": null }, "golden_hash": "257ac111c534ebd89cc4c9385df96315253c7b2c98aad4497d59f4816671cbe8" }, { "name": "chargeback_paypal_funded_process_evidence", "description": "CHARGEBACK on a paypal_balance_or_bank funded transaction: NOT a network dispute, so no CE3.0 bundle. paypal_process_evidence is emitted instead, explicitly labelled not CE3.0; chargeback seller response window NOT STATED.", "policy_parameters": { "dispute_reason": "CREDIT_NOT_PROCESSED", "lifecycle_stage": "CHARGEBACK", "funding_source": "paypal_balance_or_bank", "dispute_create_time": "2026-10-01T12:00:00Z", "as_of": "2026-10-05T12:00:00Z", "evidence_on_hand": { "refund_id": "SYN-REFUND-78" } }, "output_payload": { "dispute_reason": "CREDIT_NOT_PROCESSED", "lifecycle_stage": "CHARGEBACK", "funding_source": "paypal_balance_or_bank", "dispute_create_time": "2026-10-01T12:00:00.000Z", "as_of": "2026-10-05T12:00:00.000Z", "deadlines": { "seller_response": { "due": null, "source": "not_stated", "basis": "Chargeback-stage seller response window in days: NOT STATED. PayPal states deadlines exist: \"please respond to us promptly as there are strict response deadlines required for chargebacks based on the issuer.\" (S9); no number on S1-S9. Supply seller_response_due_date to pass PayPal's own timestamp through.", "days_remaining": null, "past_due": null }, "inquiry_stage": null, "escalation_available_until": null }, "required_evidence": { "evidence_type": "PROOF_OF_REFUND", "required": [ "refund_id" ], "why": "the refund transaction id showing the credit was issued" }, "evidence_on_hand": { "carrier_name": null, "tracking_number": null, "refund_id": "SYN-REFUND-78", "notes": null }, "missing_evidence": [], "bundle_decision": { "ce30_applicable": false, "bundle_kind": "paypal_process_evidence", "reason": "Chargeback on a non-card funding source: PayPal buyer-protection process evidence, explicitly not CE3.0." }, "ce30_shaped_bundle": null, "paypal_process_evidence": { "label": "paypal_process_evidence: PayPal buyer-protection process evidence, explicitly NOT CE3.0 (no card-network compelling-evidence program applies)", "evidences": [ { "evidence_type": "PROOF_OF_REFUND", "evidence_info": { "refund_ids": { "refund_ids_list": [ "SYN-REFUND-78" ] } } } ], "submittable": true }, "cited_clauses": [ { "id": "S2", "quote": "CHARGEBACK. A customer or merchant escalates an inquiry to a claim, which authorizes PayPal to investigate the case and make a determination.", "url": "https://developer.paypal.com/disputes/disputes-lifecycle" }, { "id": "S9", "quote": "please respond to us promptly as there are strict response deadlines required for chargebacks based on the issuer.", "url": "https://www.paypal.com/us/cshelp/article/evidence-to-provide-for-chargebacks-a-guide-for-sellers-help1103" } ], "domain_errors": [], "refusal_reason": null }, "golden_hash": "bcb5f6f256a29ea433256cde85750f20b976c7560ebd9b18c256c859e3f706e2" }, { "name": "chargeback_unknown_funding_withheld", "description": "Branch three of the stage scoping amendment: funding_source unknown. No CE3.0 bundle (only a chargeback on a card-funded transaction is a network dispute) and no paypal_process_evidence either; bundle_decision carries the reason and CE30_BUNDLE_WITHHELD_UNKNOWN_FUNDING is flagged.", "policy_parameters": { "dispute_reason": "CREDIT_NOT_PROCESSED", "lifecycle_stage": "CHARGEBACK", "funding_source": "unknown", "dispute_create_time": "2026-10-01T12:00:00Z", "as_of": "2026-10-05T12:00:00Z" }, "output_payload": { "dispute_reason": "CREDIT_NOT_PROCESSED", "lifecycle_stage": "CHARGEBACK", "funding_source": "unknown", "dispute_create_time": "2026-10-01T12:00:00.000Z", "as_of": "2026-10-05T12:00:00.000Z", "deadlines": { "seller_response": { "due": null, "source": "not_stated", "basis": "Chargeback-stage seller response window in days: NOT STATED. PayPal states deadlines exist: \"please respond to us promptly as there are strict response deadlines required for chargebacks based on the issuer.\" (S9); no number on S1-S9. Supply seller_response_due_date to pass PayPal's own timestamp through.", "days_remaining": null, "past_due": null }, "inquiry_stage": null, "escalation_available_until": null }, "required_evidence": { "evidence_type": "PROOF_OF_REFUND", "required": [ "refund_id" ], "why": "the refund transaction id showing the credit was issued" }, "evidence_on_hand": { "carrier_name": null, "tracking_number": null, "refund_id": null, "notes": null }, "missing_evidence": [ "refund_id" ], "bundle_decision": { "ce30_applicable": false, "bundle_kind": null, "reason": "CE3.0-shaped bundle withheld: funding_source is unknown. Only a chargeback on a card-funded transaction is a network dispute; the funding source must be known before a network evidence bundle can be produced." }, "ce30_shaped_bundle": null, "paypal_process_evidence": null, "cited_clauses": [ { "id": "S2", "quote": "CHARGEBACK. A customer or merchant escalates an inquiry to a claim, which authorizes PayPal to investigate the case and make a determination.", "url": "https://developer.paypal.com/disputes/disputes-lifecycle" }, { "id": "S9", "quote": "please respond to us promptly as there are strict response deadlines required for chargebacks based on the issuer.", "url": "https://www.paypal.com/us/cshelp/article/evidence-to-provide-for-chargebacks-a-guide-for-sellers-help1103" } ], "domain_errors": [], "refusal_reason": null }, "golden_hash": "34a21ecacd94d33de1148abb363d5faf3c59c11895575d06e2b60837ca0e045b" }, { "name": "pre_arbitration_appeal_not_stated", "description": "PRE_ARBITRATION (first merchant appeal stage): appeal period length NOT STATED (S2 references the appeal period without a number); seller_response_due is null with a reason unless PayPal passes a timestamp through. Card funding does not trigger CE3.0 at an appeal stage.", "policy_parameters": { "dispute_reason": "UNAUTHORISED", "lifecycle_stage": "PRE_ARBITRATION", "funding_source": "card", "dispute_create_time": "2026-10-01T12:00:00Z", "as_of": "2026-10-05T12:00:00Z", "evidence_on_hand": { "carrier_name": "SyntheticCarrier", "tracking_number": "SYN-0005" } }, "output_payload": { "dispute_reason": "UNAUTHORISED", "lifecycle_stage": "PRE_ARBITRATION", "funding_source": "card", "dispute_create_time": "2026-10-01T12:00:00.000Z", "as_of": "2026-10-05T12:00:00.000Z", "deadlines": { "seller_response": { "due": null, "source": "not_stated", "basis": "Appeal period length (pre-arbitration/arbitration): NOT STATED. PayPal states only \"If the merchant does not appeal within the appeal period, the case is considered resolved.\" (S2); no number. Supply seller_response_due_date to pass PayPal's own timestamp through.", "days_remaining": null, "past_due": null }, "inquiry_stage": null, "escalation_available_until": null }, "required_evidence": { "evidence_type": "PROOF_OF_FULFILLMENT", "required": [ "carrier_name", "tracking_number" ], "why": "prove the goods reached the cardholder (or their address) with carrier + tracking" }, "evidence_on_hand": { "carrier_name": "SyntheticCarrier", "tracking_number": "SYN-0005", "refund_id": null, "notes": null }, "missing_evidence": [], "bundle_decision": { "ce30_applicable": false, "bundle_kind": "paypal_process_evidence", "reason": "Inquiry or appeal stage: PayPal buyer-protection process evidence, explicitly not CE3.0. CE3.0 does not govern PayPal inquiries, claims or appeals." }, "ce30_shaped_bundle": null, "paypal_process_evidence": { "label": "paypal_process_evidence: PayPal buyer-protection process evidence, explicitly NOT CE3.0 (no card-network compelling-evidence program applies)", "evidences": [ { "evidence_type": "PROOF_OF_FULFILLMENT", "evidence_info": { "tracking_info": { "tracking_info_list": [ { "carrier_name": "SyntheticCarrier", "tracking_number": "SYN-0005" } ] } } } ], "submittable": true }, "cited_clauses": [ { "id": "S2", "quote": "If the merchant does not appeal within the appeal period, the case is considered resolved.", "url": "https://developer.paypal.com/disputes/disputes-lifecycle" } ], "domain_errors": [], "refusal_reason": null }, "golden_hash": "66d8d2b3e0d3200ca30a89462456491c60d52422aed82f9ad83d3e783b1c4cf9" }, { "name": "arbitration_appeal_not_stated", "description": "ARBITRATION (second merchant appeal stage): same NOT STATED posture; notes evidence rides the paypal_process_evidence bundle.", "policy_parameters": { "dispute_reason": "MERCHANDISE_OR_SERVICE_NOT_AS_DESCRIBED", "lifecycle_stage": "ARBITRATION", "funding_source": "paypal_balance_or_bank", "dispute_create_time": "2026-10-01T12:00:00Z", "as_of": "2026-10-05T12:00:00Z", "evidence_on_hand": { "notes": "Synthetic appeal narrative." } }, "output_payload": { "dispute_reason": "MERCHANDISE_OR_SERVICE_NOT_AS_DESCRIBED", "lifecycle_stage": "ARBITRATION", "funding_source": "paypal_balance_or_bank", "dispute_create_time": "2026-10-01T12:00:00.000Z", "as_of": "2026-10-05T12:00:00.000Z", "deadlines": { "seller_response": { "due": null, "source": "not_stated", "basis": "Appeal period length (pre-arbitration/arbitration): NOT STATED. PayPal states only \"If the merchant does not appeal within the appeal period, the case is considered resolved.\" (S2); no number. Supply seller_response_due_date to pass PayPal's own timestamp through.", "days_remaining": null, "past_due": null }, "inquiry_stage": null, "escalation_available_until": null }, "required_evidence": { "evidence_type": "OTHER", "required": [ "notes" ], "why": "product description proving as-described condition, or the return policy text" }, "evidence_on_hand": { "carrier_name": null, "tracking_number": null, "refund_id": null, "notes": "Synthetic appeal narrative." }, "missing_evidence": [], "bundle_decision": { "ce30_applicable": false, "bundle_kind": "paypal_process_evidence", "reason": "Inquiry or appeal stage: PayPal buyer-protection process evidence, explicitly not CE3.0. CE3.0 does not govern PayPal inquiries, claims or appeals." }, "ce30_shaped_bundle": null, "paypal_process_evidence": { "label": "paypal_process_evidence: PayPal buyer-protection process evidence, explicitly NOT CE3.0 (no card-network compelling-evidence program applies)", "evidences": [ { "evidence_type": "OTHER", "evidence_info": {}, "notes": "Synthetic appeal narrative." } ], "submittable": true }, "cited_clauses": [ { "id": "S2", "quote": "If the merchant does not appeal within the appeal period, the case is considered resolved.", "url": "https://developer.paypal.com/disputes/disputes-lifecycle" } ], "domain_errors": [], "refusal_reason": null }, "golden_hash": "71bbb475b1e19fa18cc133015f32685e7330f39d5111e5266d5342526d5b6787" }, { "name": "refused_unknown_reason", "description": "A real schema v1.12 enum value beyond the four disputes.js reasons (DUPLICATE_TRANSACTION, SNAPSHOT.md section 3) is refused with REFUSED_UNKNOWN_DISPUTE_REASON, mirroring the lib UnknownDisputeReasonError: never guess evidence for an unmapped reason.", "policy_parameters": { "dispute_reason": "DUPLICATE_TRANSACTION", "lifecycle_stage": "CHARGEBACK", "funding_source": "card", "dispute_create_time": "2026-10-01T12:00:00Z", "as_of": "2026-10-05T12:00:00Z" }, "output_payload": { "refused": "REFUSED_UNKNOWN_DISPUTE_REASON", "detail": "dispute_reason must be one of MERCHANDISE_OR_SERVICE_NOT_RECEIVED, MERCHANDISE_OR_SERVICE_NOT_AS_DESCRIBED, UNAUTHORISED, CREDIT_NOT_PROCESSED; received \"DUPLICATE_TRANSACTION\". Refusing to guess evidence for an unmapped reason.", "domain_errors": [ { "code": "REFUSED_UNKNOWN_DISPUTE_REASON" } ], "refusal_reason": "REFUSED_UNKNOWN_DISPUTE_REASON" }, "golden_hash": "923dad9c35b095a1d62609364c78be62aa8fc6e9d0e41730a6c9ec482e70d3b6" }, { "name": "refused_rollover_timestamp", "description": "Rollover date 2026-02-30 is rejected: REFUSED_BAD_DISPUTE_CREATE_TIME. Only strict ISO-8601 UTC timestamps are accepted.", "policy_parameters": { "dispute_reason": "CREDIT_NOT_PROCESSED", "lifecycle_stage": "CHARGEBACK", "funding_source": "card", "dispute_create_time": "2026-02-30T12:00:00Z", "as_of": "2026-10-05T12:00:00Z" }, "output_payload": { "refused": "REFUSED_BAD_DISPUTE_CREATE_TIME", "detail": "dispute_create_time must be an ISO-8601 UTC timestamp YYYY-MM-DDTHH:MM:SS(.SSS)Z; received \"2026-02-30T12:00:00Z\"", "domain_errors": [ { "code": "REFUSED_BAD_DISPUTE_CREATE_TIME" } ], "refusal_reason": "REFUSED_BAD_DISPUTE_CREATE_TIME" }, "golden_hash": "4c4c9ea4f74999d681ada0893a3c6a13738ccae2a90c555a68bfbff5aa07aa6d" }, { "name": "refused_missing_as_of", "description": "as_of is required (the kernel never reads a wall clock): its absence is REFUSED_BAD_AS_OF.", "policy_parameters": { "dispute_reason": "CREDIT_NOT_PROCESSED", "lifecycle_stage": "CHARGEBACK", "funding_source": "card", "dispute_create_time": "2026-10-01T12:00:00Z" }, "output_payload": { "refused": "REFUSED_BAD_AS_OF", "detail": "as_of must be an ISO-8601 UTC timestamp YYYY-MM-DDTHH:MM:SS(.SSS)Z; the kernel never reads a wall clock; received null", "domain_errors": [ { "code": "REFUSED_BAD_AS_OF" } ], "refusal_reason": "REFUSED_BAD_AS_OF" }, "golden_hash": "ff2cd4af8ca1c9dc873662d7483f53cae6be6be43aa79348d935d89def011daf" }, { "name": "refused_bad_stage", "description": "lifecycle_stage outside the snapshot enum (dispute_life_cycle_stage, schema v1.12) is REFUSED_UNKNOWN_LIFECYCLE_STAGE.", "policy_parameters": { "dispute_reason": "CREDIT_NOT_PROCESSED", "lifecycle_stage": "RETRIEVAL", "funding_source": "card", "dispute_create_time": "2026-10-01T12:00:00Z", "as_of": "2026-10-05T12:00:00Z" }, "output_payload": { "refused": "REFUSED_UNKNOWN_LIFECYCLE_STAGE", "detail": "lifecycle_stage must be one of INQUIRY, CHARGEBACK, PRE_ARBITRATION, ARBITRATION; received \"RETRIEVAL\"", "domain_errors": [ { "code": "REFUSED_UNKNOWN_LIFECYCLE_STAGE" } ], "refusal_reason": "REFUSED_UNKNOWN_LIFECYCLE_STAGE" }, "golden_hash": "bcb267d71c2da28ca9e48c6597b9705a15f2771113ebb6aebe2ba1a6f78e0e91" }, { "name": "refused_bad_funding", "description": "funding_source outside the desk-amendment enum is REFUSED_UNKNOWN_FUNDING_SOURCE.", "policy_parameters": { "dispute_reason": "CREDIT_NOT_PROCESSED", "lifecycle_stage": "CHARGEBACK", "funding_source": "wire", "dispute_create_time": "2026-10-01T12:00:00Z", "as_of": "2026-10-05T12:00:00Z" }, "output_payload": { "refused": "REFUSED_UNKNOWN_FUNDING_SOURCE", "detail": "funding_source must be one of card, paypal_balance_or_bank, unknown; received \"wire\"", "domain_errors": [ { "code": "REFUSED_UNKNOWN_FUNDING_SOURCE" } ], "refusal_reason": "REFUSED_UNKNOWN_FUNDING_SOURCE" }, "golden_hash": "c03b8ce1e8887bfe89b36dedf4db91fcba04eebcc5a6879136b9330116b1f742" }, { "name": "refused_bad_due_date_passthrough", "description": "A malformed seller_response_due_date passthrough (local offset instead of Z) is REFUSED_BAD_SELLER_RESPONSE_DUE_DATE; a bad passthrough is refused rather than silently dropped.", "policy_parameters": { "dispute_reason": "CREDIT_NOT_PROCESSED", "lifecycle_stage": "CHARGEBACK", "funding_source": "card", "dispute_create_time": "2026-10-01T12:00:00Z", "as_of": "2026-10-05T12:00:00Z", "seller_response_due_date": "2026-10-11T12:00:00+02:00" }, "output_payload": { "refused": "REFUSED_BAD_SELLER_RESPONSE_DUE_DATE", "detail": "seller_response_due_date, when supplied, must be an ISO-8601 UTC timestamp YYYY-MM-DDTHH:MM:SS(.SSS)Z; received \"2026-10-11T12:00:00+02:00\"", "domain_errors": [ { "code": "REFUSED_BAD_SELLER_RESPONSE_DUE_DATE" } ], "refusal_reason": "REFUSED_BAD_SELLER_RESPONSE_DUE_DATE" }, "golden_hash": "3a73f554d7d9edabf8b05a9a9136df0698f9ea6fe0141fd5bd4c0da86e2db140" } ] }