{ "model": "grayson-1", "state": { "platform": "Our platform: a U.S. payment facilitator for small businesses. Merchants take cards through our online checkout, payment links and invoices, recurring billing and card readers. We board each one as a sub-merchant under our sponsor bank and carry any chargebacks, refunds or fees a merchant can't cover.", "policy_reference": { "standard_terms": "Payouts to the linked bank account 2 business days after capture; no reserve; monthly processing limit set at underwriting from processing statements, or $50,000 for a business without statements, reviewed after 90 days; keyed card entry up to $2,500 per transaction.", "conditions_available": "Rolling reserve of 5% to 25% held 90 to 180 days; lower monthly limit; payouts delayed up to 7 days; keyed entry off; removing a product or offer before go-live.", "prohibited": [ "Marijuana and THC products, including hemp-derived THC; kratom; drug paraphernalia", "Prescription drugs without a pharmacy license; products marketed with claims that they cure, treat or prevent a disease", "Weapons, ammunition and explosives", "Gambling, lotteries and sweepstakes with a purchase requirement", "Adult content and services", "Debt relief, credit repair and loan modification charged up front", "Gift cards, prepaid cards, money orders, cryptocurrency and other stored value", "Counterfeit or replica goods", "Taking payments for another business, or splitting one business's sales across several merchant accounts to keep each account's chargeback ratio down" ], "restricted_needs_underwriting_approval": [ "Dietary supplements and nutraceuticals (supplement facts and marketing claims reviewed)", "Subscriptions that start with a free or reduced-price trial (allowed only with clear disclosure at checkout, a reserve and chargeback monitoring)", "Pre-orders, or goods delivered more than 14 days after payment", "Consumer electronics with an average ticket over $300", "Event tickets and travel", "Any business with an average ticket over $5,000" ] }, "application": { "id": "mapp_8QF41T", "submitted_at": "2026-10-07T03:09:11Z", "products_requested": [ "Online checkout", "Payment links and invoices (customer enters the card, or we key it for phone orders)" ], "business": { "legal_name": "Ostrander Lane Trading LLC", "dba": "OLT Electronics", "entity_type": "Limited liability company", "state_of_formation": "Wyoming", "date_formed": "2026-09-16", "ein": "xx-xxx3381", "business_address": "6120 Bellmont Park Dr, Suite 300-114, Houston, TX 77057", "business_phone": "(832) 555-0161", "business_email": "sales@oltelectronics.example.com", "website": "https://oltelectronics.example.com", "years_in_business": "Less than 1", "employees": "1 to 4" }, "description_in_applicants_words": "We sell new and certified refurbished laptops, tablets, game consoles and headphones online to customers across the US. Orders ship from our Houston warehouse within 2 business days by tracked ground shipping. 30-day returns.", "mcc": "5732 Electronics stores", "expected_monthly_volume_usd": 120000, "average_ticket_usd": 480, "highest_ticket_usd": 2400, "sales_channels_pct": { "online_checkout": 80, "invoices_and_payment_links": 20, "in_person": 0 }, "keyed_entry_requested": "Yes, for phone orders", "fulfillment": "Ships within 2 business days", "refund_policy": "30-day returns, refunded to the original card", "recurring_billing": "No", "previous_processor": "None (new business)", "owners_other_businesses_taking_cards": "None", "payout_schedule_requested": "Daily", "owners": [ { "name": "Marcus T. Delahunt", "title": "Managing member", "ownership_pct": 100, "control_person": true, "date_of_birth": "1991-03-xx", "ssn": "xxx-xx-5207", "home_address": "4415 Larchmont Ter, Apt 6, Houston, TX 77036", "phone": "(832) 555-0161", "email": "mdelahunt.olt@example.net" } ], "payout_account": "Business checking x0458 at an online bank, linked by instant account verification", "applicant_notes": "We have inventory ready and want to start taking orders this week." }, "state_registry_record": { "source": "Wyoming Secretary of State business search, retrieved at submission", "entity_name": "OSTRANDER LANE TRADING LLC", "filing_id": "2026-001284417", "entity_type": "Limited Liability Company, domestic", "status": "Active", "standing": "Good (tax); good (registered agent)", "formed": "2026-09-16", "registered_agent": "Commercial registered agent service, Sheridan, WY (agent for about 18,000 entities)", "principal_office": "The registered agent's street address in Sheridan, WY", "mailing_address": "Same as principal office", "organizer": "The registered agent service, on behalf of a client", "managers_or_members_listed": "None (Wyoming does not require them in public filings)", "annual_reports": "First due 2027-09-01", "filing_history": [ [ "2026-09-16", "Articles of Organization filed online" ], [ "2026-09-16", "Certificate of Organization issued" ] ], "other_states": "No Texas registration to do business and no Texas assumed name filing for OLT Electronics, although the application gives a Houston business address" }, "tin_match": { "check": "IRS TIN Matching, legal name and EIN", "result": "Code 7: name and EIN combination matches IRS EIN records" }, "business_records_check": { "found_in_sources": "1: the state registry only (no commercial credit file, trade lines, UCC filings, liens or judgments)", "first_seen_in_records": "2026-09-16", "ein_first_seen_in_records": "2026-09", "industry_from_records": "None on record", "business_address": { "type": "Virtual office: mail and meeting-room suite at a shared office provider", "businesses_registered_at_this_suite": 143, "usps": "Deliverable; commercial mail receiving agency", "warehouse_at_address": "No: an office building, no loading dock" }, "business_phone": { "line_type": "Non-fixed VoIP", "first_seen": "2026-09-20", "public_listing": "None" }, "officers_from_records": "None besides the application" }, "owner_checks": [ { "name": "Marcus T. Delahunt", "identity_match": "Name, SSN and date of birth appear together in credit-header records since 2009", "ssn": "Valid; issued in Oklahoma 1991 to 1992; 1 name and 1 date of birth associated; no death record", "address_history": [ [ "Tulsa, OK (apartment)", "2017-04", "2026-06" ], [ "4415 Larchmont Ter, Apt 6, Houston, TX", "2026-09", "2026-09 (1 source)" ] ], "phone_on_application": "Not associated with this identity in any record; the same number as the business phone", "email_on_application": "First seen 2026-09-19; no history", "document_and_selfie_check": "Not run (we run it only when underwriting asks for documents)", "ofac_and_pep": "No match", "adverse_media": "None found", "other_businesses_in_records": "None", "credit_soft_pull": { "score": 604, "scale": "300-850", "derogatory": "2 collections (medical $412, 2024; telecom $918, 2025)", "inquiries_last_90_days": [ [ "2026-08-14", "Business credit card issuer" ], [ "2026-09-22", "Equipment leasing" ], [ "2026-09-29", "Merchant services provider" ], [ "2026-10-02", "Merchant services provider" ] ] } } ], "watchlists": { "ofac_business": "No match", "card_network_terminated_merchant_list": "No match on business name, DBA, owner, address, phone or URL", "internal_negative_list": "Device dev_c7a2e19d04b3 is on it (merchant closed for fraud, 2026-09-02); no match on name, EIN, SSN, phone, email, address or bank account" }, "website_review": { "crawled_at": "2026-10-07T03:13:52Z", "domain": "oltelectronics.example.com", "domain_registered": "2026-09-24 (13 days before the application), registrant details hidden by a privacy service", "tls_certificate": "Domain-validated, issued 2026-09-25", "platform": "Hosted e-commerce store builder, stock template", "pages": { "columns": [ "path", "what it shows" ], "rows": [ [ "/", "Banner: 'Up to 40% off new and certified refurbished tech. Free shipping.' Second banner: 'Pre-order now: next-gen consoles ship in 6-8 weeks, 30% off.'" ], [ "/about", "'Trusted by over 50,000 customers since 2015.' Stock photos of a warehouse; no names of staff or owners." ], [ "/contact", "Contact form and (832) 555-0161; no street address." ], [ "/shipping", "'Most orders ship within 2 business days. Pre-orders ship when stock arrives, typically 6-8 weeks after purchase.'" ], [ "/returns", "30-day returns; buyer pays return shipping; pre-orders non-refundable after 7 days." ], [ "/terms", "Governing law: Delaware. No company name in the text; 'the Company' throughout." ], [ "/privacy", "Generic template." ], [ "/faq", "'Why are your prices so low? We buy overstock directly from distributors.'" ], [ "/collections/preorder", "38 listings, all 'Ships in 6-8 weeks'." ], [ "/checkout", "Card payment shows 'temporarily unavailable'; 'Instant bank transfer: extra 5% off' is offered instead." ] ] }, "listings": 214, "listings_on_pre_order": 38, "price_check_sample": { "columns": [ "product", "site_price_usd", "typical_retail_usd", "discount_pct", "availability", "image_search" ], "rows": [ [ "13-inch ultrabook, M-series chip, 16 GB, 512 GB (certified refurbished)", 834.99, 1099, 24, "In stock", "Also on other sites" ], [ "15-inch ultrabook, M-series chip, 16 GB, 512 GB (new)", 756.99, 1299, 42, "In stock", "Also on other sites" ], [ "14-inch business laptop, Core Ultra 7, 32 GB, 1 TB (new)", 1168.99, 1649, 29, "In stock", "Also on other sites" ], [ "16-inch gaming laptop, RTX-class GPU, 32 GB, 1 TB (new)", 1331.99, 2199, 39, "In stock", "Also on other sites" ], [ "11-inch tablet, 128 GB, Wi-Fi (new)", 421.99, 599, 30, "In stock", "No match" ], [ "13-inch tablet, 256 GB, Wi-Fi + cellular (new)", 779.99, 1199, 35, "In stock", "Also on other sites" ], [ "10.9-inch tablet, 64 GB (certified refurbished)", 274.99, 349, 21, "In stock", "Also on other sites" ], [ "Current-generation home console, disc edition (new)", 352.99, 499.99, 29, "In stock", "Also on other sites" ], [ "Current-generation home console, digital edition (new)", 264.99, 449.99, 41, "In stock", "No match" ], [ "Hybrid handheld console, OLED model (new)", 207.99, 349.99, 41, "In stock", "No match" ], [ "Next-generation handheld console (pre-order)", 314.99, 449.99, 30, "Pre-order: ships in 6-8 weeks", "Also on other sites" ], [ "Next-generation home console bundle (pre-order)", 489.99, 699.99, 30, "Pre-order: ships in 6-8 weeks", "Also on other sites" ], [ "VR headset, 512 GB (new)", 303.99, 499, 39, "In stock", "Also on other sites" ], [ "Noise-cancelling over-ear headphones (new)", 280.99, 399, 30, "In stock", "Also on other sites" ], [ "True wireless earbuds with ANC (new)", 169.99, 249, 32, "In stock", "Also on other sites" ], [ "Smartwatch, 45 mm, GPS + cellular (new)", 323.99, 529, 39, "In stock", "Also on other sites" ], [ "27-inch 4K monitor (new)", 288.99, 449, 36, "In stock", "Also on other sites" ], [ "Mirrorless camera body, 24 MP (new)", 1241.99, 1799, 31, "In stock", "Also on other sites" ], [ "Drone with 4K camera, fly-more kit (new)", 738.99, 1099, 33, "In stock", "Also on other sites" ], [ "Graphics card, 16 GB (new)", 699.99, 999, 30, "Pre-order: ships in 6-8 weeks", "Also on other sites" ] ] }, "content_reuse": "187 of 214 product images also appear on other retail sites. The /returns and /shipping text is 96% identical to kestrelpointgoods.example.com, crawled at that merchant's application on 2026-07-29 (see links to other applications).", "social_links": "Footer icons link to the social sites' home pages, not to profiles" }, "web_presence": { "map_listing": "None found", "review_sites": "No reviews found under the business name, DBA or domain", "social": "One social page, created 2026-09-27: 4 posts of product photos, 1,180 followers, no comments", "marketplaces": "None found", "search_results_for_business_name": "Only the website and a registered-agent directory listing", "complaints": "None found" }, "processing_history": { "statements_provided": "None (no previous processor)" }, "payout_bank_account": { "method": "Instant account verification (account link)", "bank_type": "Online bank", "account": "Business checking x0458", "opened": "2026-09-30", "owner_name_returned": "OSTRANDER LANE TRADING LLC", "name_match": "Match (legal name)", "authorized_signers_returned": "MARCUS DELAHUNT", "balance_at_link_usd": 100, "transactions": { "note": "Every posted item since the account was opened on 2026-09-30, from the account link", "columns": [ "posted", "description", "amount_usd", "balance_usd" ], "rows": [ [ "2026-09-30", "TRANSFER FROM MARCUS DELAHUNT x2291", 100, 100 ] ] } }, "device_and_session": { "device_id": "dev_c7a2e19d04b3", "device": "Windows 10 desktop, Chrome 140, 1920x1080, language en-US, timezone America/Chicago", "device_first_seen_at_our_platform": "2026-07-29T02:41:17Z (see links to other applications)", "fingerprint_integrity": "No spoofing detected", "ip_address": "203.0.113.87", "ip_type": "Residential proxy network: exit node on a residential ISP in Houston, TX; 9 unrelated sign-ups and sign-ins at our platform came from this IP in the last 24 hours", "local_time_at_submission": "22:09 (America/Chicago)", "navigation": "Keyboard (Tab key) between fields; almost no pointer movement", "started_at": "2026-10-07T03:05:58Z", "submitted_at": "2026-10-07T03:09:11Z", "duration_minutes": 3.2, "median_duration_minutes_for_this_form": 23, "fields_typed": 10, "fields_pasted": 10, "times_left_page": 5, "events": { "columns": [ "offset_s", "page", "field", "event", "detail" ], "rows": [ [ 0, "Create your account", "", "page_view", "" ], [ 1.6, "Create your account", "email", "left_page", "switched to another window or app" ], [ 7.8, "Create your account", "email", "returned", "after 6.2 s" ], [ 8.3, "Create your account", "email", "pasted", "30 characters" ], [ 12.8, "Create your account", "password", "typed", "14 keys in 1.3 s, 0 corrections" ], [ 25.4, "Create your account", "phone_code", "entered", "SMS one-time code to (832) 555-0161 entered correctly" ], [ 28, "Business type", "", "page_view", "" ], [ 31.5, "Business type", "business_type", "selected", "LLC" ], [ 34.8, "Business type", "products", "selected", "Online checkout; payment links and invoices" ], [ 36.3, "Business details", "", "page_view", "" ], [ 38.3, "Business details", "legal_name", "pasted", "26 characters" ], [ 41.8, "Business details", "dba", "typed", "15 keys in 1.5 s, 0 corrections" ], [ 44.8, "Business details", "entity_type", "selected", "LLC" ], [ 49.2, "Business details", "state_of_formation", "selected", "Wyoming" ], [ 51.9, "Business details", "date_formed", "typed", "10 keys in 1.1 s, 0 corrections" ], [ 54.6, "Business details", "ein", "left_page", "switched to another window or app" ], [ 59.8, "Business details", "ein", "returned", "after 5.2 s" ], [ 60.2, "Business details", "ein", "pasted", "10 characters" ], [ 63, "Business details", "business_address", "pasted", "55 characters" ], [ 67, "Business details", "business_phone", "typed", "14 keys in 1.5 s, 0 corrections" ], [ 68.5, "Business details", "website", "pasted", "26 characters" ], [ 71.5, "Business details", "mcc_search", "typed", "11 keys in 1.1 s, 0 corrections" ], [ 74.7, "Business details", "business_description", "left_page", "switched to another window or app" ], [ 80.2, "Business details", "business_description", "returned", "after 5.5 s" ], [ 80.7, "Business details", "business_description", "pasted", "236 characters" ], [ 83.8, "Processing", "", "page_view", "" ], [ 86.1, "Processing", "monthly_volume", "typed", "6 keys in 0.7 s, 0 corrections" ], [ 89.1, "Processing", "average_ticket", "typed", "3 keys in 0.3 s, 0 corrections" ], [ 92.1, "Processing", "highest_ticket", "typed", "4 keys in 0.4 s, 0 corrections" ], [ 95.1, "Processing", "channels", "selected", "Online 80%, invoices and payment links 20%" ], [ 97.9, "Processing", "fulfillment", "selected", "Ships within 2 business days" ], [ 102.1, "Processing", "refund_policy", "selected", "30-day returns" ], [ 105.7, "Processing", "previous_processor", "selected", "No" ], [ 109, "Processing", "statements_upload", "skipped", "Optional for businesses without a previous processor" ], [ 112.4, "Processing", "payout_schedule", "selected", "Asked for daily payouts (not offered to new merchants; standard applied)" ], [ 114.1, "Owners", "", "page_view", "" ], [ 118, "Owners", "owner_name", "typed", "17 keys in 2.0 s, 0 corrections" ], [ 119.8, "Owners", "owner_dob", "left_page", "switched to another window or app" ], [ 125.2, "Owners", "owner_dob", "returned", "after 5.4 s" ], [ 125.9, "Owners", "owner_dob", "pasted", "10 characters" ], [ 127.6, "Owners", "owner_ssn", "left_page", "switched to another window or app" ], [ 131.7, "Owners", "owner_ssn", "returned", "after 4.1 s" ], [ 132.3, "Owners", "owner_ssn", "pasted", "9 characters" ], [ 135.2, "Owners", "owner_home_address", "pasted", "44 characters" ], [ 138.7, "Owners", "owner_ownership_pct", "typed", "3 keys in 0.3 s, 0 corrections" ], [ 141.7, "Owners", "owner_title", "selected", "Managing member" ], [ 143.3, "Owners", "owner_email", "pasted", "26 characters" ], [ 146.4, "Owners", "more_owners", "selected", "No other owners of 25% or more" ], [ 149.2, "Payout account", "", "page_view", "" ], [ 151.9, "Payout account", "bank_link", "opened", "Instant account verification window" ], [ 184.7, "Payout account", "bank_link", "completed", "Signed in to an online bank; business checking x0458 selected" ], [ 186.4, "Review and submit", "", "page_view", "" ], [ 190.4, "Review and submit", "attestations", "checked", "Owner certification and terms" ], [ 193.8, "Review and submit", "submit", "clicked", "" ] ] } }, "links_to_other_applications": { "summary": { "same_device": 2, "same_ip_last_30_days": 0, "same_phone": 0, "same_email_or_email_domain": 0, "same_owner_ssn": 0, "same_ein": 0, "same_bank_account": 0, "same_address": "1: a tax preparer at another suite on the same floor, active merchant since 2025-01, nothing else shared", "same_website_text": 1 }, "linked": [ { "merchant": "Kestrel Point Goods LLC (DBA Kestrel Point)", "link": "Same device dev_c7a2e19d04b3; /returns and /shipping text 96% identical", "applied": "2026-07-29", "formed": "2026-07-08, Wyoming, same registered agent service", "owner_on_application": "Tyrell J. Boudreaux (different name, SSN, phone and email)", "business_address": "Virtual office suite in Dallas, TX", "mcc": "5732 Electronics stores", "stated_monthly_volume_usd": 90000, "outcome": "Approved 2026-07-30 on standard terms; closed 2026-09-02 for merchant fraud (bust-out); loss written off $36,955.18", "daily_processing": { "columns": [ "date", "sales", "sales_usd", "keyed", "declines", "refunds_usd" ], "rows": [ [ "2026-08-01", 6, 3005.92, 1, 1, 0 ], [ "2026-08-02", 8, 4404.28, 1, 1, 0 ], [ "2026-08-03", 10, 4725.61, 2, 1, 0 ], [ "2026-08-04", 7, 3689.83, 1, 1, 0 ], [ "2026-08-05", 7, 3615.46, 1, 1, 0 ], [ "2026-08-06", 8, 4617.61, 2, 2, 412.02 ], [ "2026-08-07", 10, 5550.63, 3, 2, 0 ], [ "2026-08-08", 9, 4800.83, 3, 2, 0 ], [ "2026-08-09", 10, 5398.02, 3, 2, 0 ], [ "2026-08-10", 8, 4722.4, 3, 2, 364.7 ], [ "2026-08-11", 9, 4903.88, 3, 2, 514.52 ], [ "2026-08-12", 10, 5962.29, 4, 3, 0 ], [ "2026-08-13", 13, 7572.22, 6, 4, 0 ], [ "2026-08-14", 12, 6763.24, 6, 4, 0 ], [ "2026-08-15", 13, 7863.82, 7, 4, 0 ], [ "2026-08-16", 16, 10298.57, 9, 5, 630.97 ], [ "2026-08-17", 18, 11970.31, 10, 5, 0 ], [ "2026-08-18", 16, 10843.49, 10, 5, 0 ], [ "2026-08-19", 11, 6634.29, 7, 5, 0 ], [ "2026-08-20", 14, 9984.38, 9, 6, 0 ], [ "2026-08-21", 17, 11281.94, 12, 7, 0 ], [ "2026-08-22", 18, 12593.62, 13, 7, 0 ], [ "2026-08-23", 16, 11989.94, 12, 7, 0 ], [ "2026-08-24", 17, 11523.49, 14, 7, 0 ] ] }, "processing_total_usd": 174716.07, "payouts": "All sales paid out on standard terms; the payout account was emptied the day each payout landed", "disputes_by_2026_09_30": { "count": 61, "amount_usd": 48206.87, "columns": [ "filed", "transaction_date", "amount_usd", "reason_code", "reason" ], "rows": [ [ "2026-08-20", "2026-08-07", 806.86, "10.4", "Other fraud: card-absent environment" ], [ "2026-08-21", "2026-08-09", 712.02, "10.4", "Other fraud: card-absent environment" ], [ "2026-08-22", "2026-08-11", 1017.24, "10.4", "Other fraud: card-absent environment" ], [ "2026-08-23", "2026-08-12", 1043.32, "13.1", "Merchandise or services not received" ], [ "2026-08-23", "2026-08-14", 1012.15, "10.4", "Other fraud: card-absent environment" ], [ "2026-08-24", "2026-08-08", 823.59, "13.1", "Merchandise or services not received" ], [ "2026-08-24", "2026-08-11", 668.02, "13.1", "Merchandise or services not received" ], [ "2026-08-26", "2026-08-11", 773.74, "10.4", "Other fraud: card-absent environment" ], [ "2026-08-26", "2026-08-15", 544.14, "10.4", "Other fraud: card-absent environment" ], [ "2026-08-27", "2026-08-11", 850.34, "13.1", "Merchandise or services not received" ], [ "2026-08-27", "2026-08-16", 1134.19, "13.1", "Merchandise or services not received" ], [ "2026-08-28", "2026-08-09", 447.93, "13.1", "Merchandise or services not received" ], [ "2026-08-28", "2026-08-13", 988.12, "13.1", "Merchandise or services not received" ], [ "2026-08-29", "2026-08-10", 1041.28, "13.1", "Merchandise or services not received" ], [ "2026-08-31", "2026-08-07", 640.64, "10.4", "Other fraud: card-absent environment" ], [ "2026-08-31", "2026-08-20", 511.03, "10.4", "Other fraud: card-absent environment" ], [ "2026-09-01", "2026-08-15", 1174.36, "10.4", "Other fraud: card-absent environment" ], [ "2026-09-01", "2026-08-18", 1163.15, "4837", "No cardholder authorization" ], [ "2026-09-02", "2026-08-13", 449.09, "4837", "No cardholder authorization" ], [ "2026-09-02", "2026-08-13", 770.12, "13.1", "Merchandise or services not received" ], [ "2026-09-02", "2026-08-13", 1174.24, "10.4", "Other fraud: card-absent environment" ], [ "2026-09-02", "2026-08-18", 618.93, "10.4", "Other fraud: card-absent environment" ], [ "2026-09-02", "2026-08-24", 779.77, "10.4", "Other fraud: card-absent environment" ], [ "2026-09-04", "2026-08-09", 531.1, "13.1", "Merchandise or services not received" ], [ "2026-09-04", "2026-08-09", 1058.61, "4837", "No cardholder authorization" ], [ "2026-09-05", "2026-08-15", 398.89, "10.4", "Other fraud: card-absent environment" ], [ "2026-09-06", "2026-08-11", 875.57, "13.1", "Merchandise or services not received" ], [ "2026-09-06", "2026-08-12", 390.29, "10.4", "Other fraud: card-absent environment" ], [ "2026-09-06", "2026-08-13", 1020.52, "10.4", "Other fraud: card-absent environment" ], [ "2026-09-06", "2026-08-15", 420.18, "13.1", "Merchandise or services not received" ], [ "2026-09-07", "2026-08-14", 462.44, "10.4", "Other fraud: card-absent environment" ], [ "2026-09-07", "2026-08-21", 724.99, "13.1", "Merchandise or services not received" ], [ "2026-09-08", "2026-08-11", 346.49, "10.4", "Other fraud: card-absent environment" ], [ "2026-09-09", "2026-08-22", 1114.57, "10.4", "Other fraud: card-absent environment" ], [ "2026-09-09", "2026-08-23", 392.48, "10.4", "Other fraud: card-absent environment" ], [ "2026-09-10", "2026-08-15", 728.82, "4837", "No cardholder authorization" ], [ "2026-09-11", "2026-08-08", 1097.87, "10.4", "Other fraud: card-absent environment" ], [ "2026-09-12", "2026-08-14", 1069.26, "10.4", "Other fraud: card-absent environment" ], [ "2026-09-13", "2026-08-11", 544.67, "10.4", "Other fraud: card-absent environment" ], [ "2026-09-14", "2026-08-09", 1167.93, "10.4", "Other fraud: card-absent environment" ], [ "2026-09-14", "2026-08-18", 404.11, "10.4", "Other fraud: card-absent environment" ], [ "2026-09-14", "2026-08-18", 570.05, "10.4", "Other fraud: card-absent environment" ], [ "2026-09-16", "2026-08-09", 837.34, "13.1", "Merchandise or services not received" ], [ "2026-09-16", "2026-08-19", 790.68, "10.4", "Other fraud: card-absent environment" ], [ "2026-09-17", "2026-08-12", 1108.36, "13.1", "Merchandise or services not received" ], [ "2026-09-17", "2026-08-20", 1040.7, "10.4", "Other fraud: card-absent environment" ], [ "2026-09-17", "2026-08-21", 979.44, "13.1", "Merchandise or services not received" ], [ "2026-09-17", "2026-08-24", 629.07, "10.4", "Other fraud: card-absent environment" ], [ "2026-09-18", "2026-08-20", 793.01, "13.1", "Merchandise or services not received" ], [ "2026-09-18", "2026-08-21", 1021.26, "10.4", "Other fraud: card-absent environment" ], [ "2026-09-19", "2026-08-17", 725.25, "13.1", "Merchandise or services not received" ], [ "2026-09-20", "2026-08-20", 1178.74, "10.4", "Other fraud: card-absent environment" ], [ "2026-09-21", "2026-08-19", 756.37, "10.4", "Other fraud: card-absent environment" ], [ "2026-09-22", "2026-08-19", 1139.36, "4837", "No cardholder authorization" ], [ "2026-09-22", "2026-08-20", 965.32, "13.1", "Merchandise or services not received" ], [ "2026-09-23", "2026-08-23", 409.54, "10.4", "Other fraud: card-absent environment" ], [ "2026-09-24", "2026-08-18", 539.2, "10.4", "Other fraud: card-absent environment" ], [ "2026-09-25", "2026-08-21", 447.12, "13.1", "Merchandise or services not received" ], [ "2026-09-28", "2026-08-21", 1087.37, "13.1", "Merchandise or services not received" ], [ "2026-09-29", "2026-08-22", 469.68, "10.4", "Other fraud: card-absent environment" ], [ "2026-09-29", "2026-08-23", 825.95, "13.1", "Merchandise or services not received" ] ] }, "notes": "Customer emails from 2026-08-27 on: pre-ordered consoles never shipped; site offline from 2026-08-29; owner unreachable." }, { "merchant": "Harlan & Pierce Mobile LLC", "link": "Same device dev_c7a2e19d04b3", "applied": "2026-09-11", "formed": "2026-08-28, Wyoming", "owner_on_application": "Andre M. Kowalski (different name, SSN, phone and email)", "mcc": "5732 Electronics stores", "outcome": "Declined 2026-09-12: owner's SSN belongs to a different name in credit-header records" } ] }, "rules_and_scores": { "onboarding_risk_score": { "score": 962, "scale": "0-999, higher is riskier" }, "rules_fired": [ [ "KYB-104", "Entity formed less than 90 days ago" ], [ "KYB-121", "Business address is a virtual office or mail suite" ], [ "KYB-127", "Not registered to do business in the state of its business address" ], [ "WEB-210", "Website domain registered less than 30 days ago" ], [ "WEB-224", "Website text matches another merchant's site" ], [ "WEB-231", "Pre-orders or delivery over 14 days found on the site and not declared (restricted)" ], [ "DEV-301", "Device linked to a merchant closed for fraud" ], [ "DEV-309", "Residential proxy" ], [ "APP-402", "Stated volume over $100,000 a month for a business under 1 year old" ], [ "APP-415", "Keyed entry requested by a new online merchant" ] ] }, "contact_history": [], "decision_request": { "stage": "Submission; all automated checks returned; routed to underwriting by rules", "requested_at": "2026-10-07T03:10:09Z", "on_approval": "Account live immediately; card payments accepted; first payout 2 business days after the first capture" } }, "questions": { "real_business": { "type": "noul", "instructions": "Is the applicant a real business that is actually operating (or genuinely preparing to open), applying through someone who owns or runs it? Answer no for a business that exists only on paper or as a website with no real operations, and for a real business applied for by someone who doesn't own or run it." }, "line_of_business": { "type": "choice", "instructions": "Judging from the website, listings, reviews, processing and bank records rather than the form alone, how does what this business really sells, or will sell, compare with its application, under our policy's prohibited and restricted lists?", "criteria": { "as_stated": "It sells what the application says, on the terms the application describes (including a restricted line the application declared)", "riskier_than_stated": "It sells something riskier than the application says, or on riskier terms, such as an undeclared restricted line, free trials that roll into recurring billing, or long delivery times, but nothing on our prohibited list", "prohibited": "Some of what it sells, or how it sells it, is on our prohibited list, whatever the application says" } }, "fraud_likelihood": { "type": "score", "instructions": "How likely is it that this application is fraudulent: a shell or made-up business, a real business applied for by someone who doesn't own or run it, or a business set up to take card payments it will not honor, or to put stolen-card payments through, and leave the losses with us (a bust-out)?", "criteria": [ "Very unlikely (under 10%)", "Unlikely (10-40%)", "Uncertain (40-60%)", "Likely (60-90%)", "Very likely (over 90%)" ] }, "decision": { "type": "choice", "instructions": "What should our underwriting team do with this application now?", "criteria": { "approve": "Approve on our standard terms", "approve_with_limits": "Approve with conditions: a rolling reserve, a lower monthly processing limit, delayed payouts, keyed entry turned off, or removing a product or offer", "request_documents": "Hold the application and ask for documents or a call before deciding (for example ID and selfie verification of the owners, bank or processing statements, supplier invoices, or a call to the business's publicly listed phone number)", "decline": "Decline the application" } } } }