{
  "model": "grayson-1",
  "state": {
    "platform": {
      "who_we_are": "We are a payment facilitator for small US businesses. Merchants take cards through our card readers and Tap to Pay, online checkout, payment links, invoices, and a virtual terminal (card numbers keyed into the dashboard). We settle through our sponsor bank and pay out to each merchant's bank account. Chargebacks, refunds and card network fines the merchant can't cover are our loss.",
      "standard_payouts": "Automatic, every business day, of the previous business day's sales less fees, refunds and chargebacks",
      "instant_payouts": "Available after 90 days in good standing: on-demand payout to a debit card, 1.75% fee, up to $15,000 a day",
      "fees": "Card-present 2.6% + $0.15; online checkout, payment links and invoices 2.9% + $0.30; keyed 3.5% + $0.15; chargeback fee $15",
      "dispute_window": "Most cardholder disputes arrive within 120 days of the sale, or of the expected delivery date for goods and services not yet delivered"
    },
    "merchant": {
      "merchant_id": "mer_8DJ3R5NL",
      "legal_name": "Northgate Device Repair LLC",
      "dba": "Northgate Phone & Tablet Repair",
      "entity": "California LLC, single member",
      "formed": "2019-06-11 (California Secretary of State: active)",
      "ein": "xx-xxx2093 (IRS TIN match: name and EIN match)",
      "business_address": "3318 Northgate Blvd Ste C, Sacramento, CA 95834",
      "address_check": "Retail storefront in a strip mall; street imagery shows the shop's sign",
      "phone": "(916) 555-0122 (landline)",
      "email": "minh@northgaterepair.example",
      "website": "northgaterepair.example",
      "mcc": "7622 Electronics repair shops",
      "declared_business": "Phone and tablet repair (screens, batteries, charging ports) and accessories, in store. Occasional invoices to local business customers.",
      "onboarded": "2023-03-20",
      "account_status": "Active"
    },
    "owners": [
      {
        "name": "Minh Q. Dao",
        "role": "Owner",
        "ownership_pct": 100,
        "home": "Sacramento, CA",
        "id_check": "California driver license verified (2023-03-20)",
        "ssn_check": "Match; credit file since 2009",
        "sanctions_and_pep": "No match",
        "other_merchants_on_platform": "None"
      }
    ],
    "underwriting": {
      "risk_tier": "Standard",
      "declared_monthly_volume_usd": 16000,
      "declared_average_ticket_usd": 110,
      "declared_max_ticket_usd": 700,
      "declared_channels": "95% card reader in store, 5% invoices",
      "declared_customers": "Walk-in customers in the Sacramento area; a few local businesses",
      "refund_policy": "90-day warranty on repairs; accessories returnable within 14 days",
      "fulfillment": "Same day in store",
      "processing_limits": "Monthly $30,000, single sale $1,500; soft limits that raise a review",
      "reserve": "None",
      "notes": "Annual review 2025-03-24: no changes."
    },
    "payout_account": {
      "current": "Business checking x6125, California community bank (verified 2023-03-20 with a voided check; name matched)",
      "previous": "None",
      "changes": [],
      "returned_debits": "2026-07-15: our debit of $177.04 to cover a negative balance after a chargeback returned R01 (insufficient funds); repaid by the merchant on 2026-07-17"
    },
    "balance": {
      "as_of": "2026-10-07T16:05:00Z",
      "available_usd": 0,
      "next_payout": "2026-10-08, automatic",
      "payment_link_sales_since_2026_09_08_usd": 24182,
      "payment_link_sales_shipped_or_picked_up_usd": 22144
    },
    "payouts_30_days": {
      "columns": [
        "ts",
        "type",
        "amount_usd",
        "instant_fee_usd",
        "destination",
        "status"
      ],
      "rows": [
        [
          "2026-09-08T13:00:00Z",
          "standard",
          3350.62,
          0,
          "x6125 business checking",
          "paid"
        ],
        [
          "2026-09-09T13:00:00Z",
          "standard",
          1202.16,
          0,
          "x6125 business checking",
          "paid"
        ],
        [
          "2026-09-10T13:00:00Z",
          "standard",
          1604.68,
          0,
          "x6125 business checking",
          "paid"
        ],
        [
          "2026-09-11T13:00:00Z",
          "standard",
          823.61,
          0,
          "x6125 business checking",
          "paid"
        ],
        [
          "2026-09-14T13:00:00Z",
          "standard",
          4533.84,
          0,
          "x6125 business checking",
          "paid"
        ],
        [
          "2026-09-15T13:00:00Z",
          "standard",
          1358.56,
          0,
          "x6125 business checking",
          "paid"
        ],
        [
          "2026-09-16T13:00:00Z",
          "standard",
          2560.83,
          0,
          "x6125 business checking",
          "paid"
        ],
        [
          "2026-09-17T13:00:00Z",
          "standard",
          756.27,
          0,
          "x6125 business checking",
          "paid"
        ],
        [
          "2026-09-18T13:00:00Z",
          "standard",
          2302.76,
          0,
          "x6125 business checking",
          "paid"
        ],
        [
          "2026-09-21T13:00:00Z",
          "standard",
          5247.43,
          0,
          "x6125 business checking",
          "paid"
        ],
        [
          "2026-09-22T13:00:00Z",
          "standard",
          761.73,
          0,
          "x6125 business checking",
          "paid"
        ],
        [
          "2026-09-23T13:00:00Z",
          "standard",
          1701.94,
          0,
          "x6125 business checking",
          "paid"
        ],
        [
          "2026-09-24T13:00:00Z",
          "standard",
          1378.68,
          0,
          "x6125 business checking",
          "paid"
        ],
        [
          "2026-09-25T13:00:00Z",
          "standard",
          2314.69,
          0,
          "x6125 business checking",
          "paid"
        ],
        [
          "2026-09-28T13:00:00Z",
          "standard",
          4554.24,
          0,
          "x6125 business checking",
          "paid"
        ],
        [
          "2026-09-30T13:00:00Z",
          "standard",
          1542.35,
          0,
          "x6125 business checking",
          "paid"
        ],
        [
          "2026-10-01T13:00:00Z",
          "standard",
          2454.77,
          0,
          "x6125 business checking",
          "paid"
        ],
        [
          "2026-10-02T13:00:00Z",
          "standard",
          3543.1,
          0,
          "x6125 business checking",
          "paid"
        ],
        [
          "2026-10-05T13:00:00Z",
          "standard",
          5419.22,
          0,
          "x6125 business checking",
          "paid"
        ],
        [
          "2026-10-06T13:00:00Z",
          "standard",
          955.99,
          0,
          "x6125 business checking",
          "paid"
        ],
        [
          "2026-10-07T13:00:00Z",
          "standard",
          2303.89,
          0,
          "x6125 business checking",
          "paid"
        ]
      ]
    },
    "monthly_processing": {
      "columns": [
        "month",
        "sales",
        "gross_usd",
        "avg_ticket_usd",
        "card_present_pct",
        "keyed_pct",
        "online_link_invoice_pct",
        "refunds_usd",
        "refund_rate_pct",
        "chargebacks",
        "issuer_fraud_reports"
      ],
      "rows": [
        [
          "2025-10",
          153,
          18994.93,
          124.15,
          95.5,
          0,
          4.5,
          292.54,
          1.5,
          0,
          0
        ],
        [
          "2025-11",
          159,
          19529.9,
          122.83,
          100,
          0,
          0,
          162.04,
          0.8,
          2,
          0
        ],
        [
          "2025-12",
          231,
          26518.02,
          114.8,
          100,
          0,
          0,
          270.79,
          1,
          0,
          0
        ],
        [
          "2026-01",
          183,
          22009.37,
          120.27,
          98.8,
          0,
          1.2,
          378.45,
          1.7,
          0,
          0
        ],
        [
          "2026-02",
          170,
          20553.26,
          120.9,
          100,
          0,
          0,
          32.61,
          0.2,
          0,
          0
        ],
        [
          "2026-03",
          170,
          19467.94,
          114.52,
          97.6,
          0,
          2.4,
          21.74,
          0.1,
          0,
          0
        ],
        [
          "2026-04",
          180,
          22697.87,
          126.1,
          99.1,
          0,
          0.9,
          107.66,
          0.5,
          0,
          0
        ],
        [
          "2026-05",
          198,
          22783.63,
          115.07,
          99.1,
          0,
          0.9,
          308.85,
          1.4,
          0,
          0
        ],
        [
          "2026-06",
          181,
          19632.01,
          108.46,
          95.2,
          0,
          4.8,
          317.55,
          1.6,
          0,
          0
        ],
        [
          "2026-07",
          176,
          23154.6,
          131.56,
          100,
          0,
          0,
          96.79,
          0.4,
          1,
          0
        ],
        [
          "2026-08",
          179,
          19298.13,
          107.81,
          100,
          0,
          0,
          297.97,
          1.5,
          0,
          0
        ],
        [
          "2026-09",
          203,
          42874.59,
          211.2,
          59.5,
          0,
          40.5,
          1505.51,
          3.5,
          0,
          0
        ],
        [
          "2026-10 (to Oct 6)",
          54,
          14900.83,
          275.94,
          45.9,
          0,
          54.1,
          1153.45,
          7.7,
          1,
          5
        ]
      ]
    },
    "daily_processing_60_days": {
      "columns": [
        "date",
        "day",
        "sales",
        "gross_usd",
        "card_present_usd",
        "keyed_usd",
        "online_link_invoice_usd",
        "refunds_usd",
        "declines",
        "distinct_cards",
        "foreign_cards"
      ],
      "rows": [
        [
          "2026-08-08",
          "Sat",
          6,
          574.17,
          574.17,
          0,
          0,
          0,
          0,
          6,
          0
        ],
        [
          "2026-08-09",
          "Sun",
          5,
          636.19,
          636.19,
          0,
          0,
          0,
          0,
          5,
          0
        ],
        [
          "2026-08-10",
          "Mon",
          6,
          789.51,
          789.51,
          0,
          0,
          0,
          0,
          6,
          0
        ],
        [
          "2026-08-11",
          "Tue",
          3,
          178.33,
          178.33,
          0,
          0,
          0,
          0,
          3,
          0
        ],
        [
          "2026-08-12",
          "Wed",
          7,
          578.52,
          578.52,
          0,
          0,
          0,
          0,
          7,
          0
        ],
        [
          "2026-08-13",
          "Thu",
          6,
          740.57,
          740.57,
          0,
          0,
          0,
          0,
          6,
          0
        ],
        [
          "2026-08-14",
          "Fri",
          5,
          458.92,
          458.92,
          0,
          0,
          0,
          0,
          5,
          0
        ],
        [
          "2026-08-15",
          "Sat",
          9,
          765.56,
          765.56,
          0,
          0,
          0,
          0,
          9,
          0
        ],
        [
          "2026-08-16",
          "Sun",
          6,
          757.96,
          757.96,
          0,
          0,
          0,
          0,
          6,
          0
        ],
        [
          "2026-08-17",
          "Mon",
          13,
          1320.16,
          1320.16,
          0,
          0,
          0,
          0,
          13,
          0
        ],
        [
          "2026-08-18",
          "Tue",
          4,
          398.02,
          398.02,
          0,
          0,
          0,
          0,
          4,
          0
        ],
        [
          "2026-08-19",
          "Wed",
          5,
          319.69,
          319.69,
          0,
          0,
          0,
          0,
          5,
          0
        ],
        [
          "2026-08-20",
          "Thu",
          4,
          495.9,
          495.9,
          0,
          0,
          0,
          0,
          4,
          0
        ],
        [
          "2026-08-21",
          "Fri",
          6,
          659.01,
          659.01,
          0,
          0,
          0,
          0,
          6,
          0
        ],
        [
          "2026-08-22",
          "Sat",
          6,
          1022.24,
          1022.24,
          0,
          0,
          0,
          0,
          6,
          0
        ],
        [
          "2026-08-23",
          "Sun",
          3,
          340.38,
          340.38,
          0,
          0,
          0,
          0,
          3,
          0
        ],
        [
          "2026-08-24",
          "Mon",
          4,
          713.4,
          713.4,
          0,
          0,
          0,
          0,
          4,
          0
        ],
        [
          "2026-08-25",
          "Tue",
          9,
          962.4,
          962.4,
          0,
          0,
          0,
          0,
          9,
          0
        ],
        [
          "2026-08-26",
          "Wed",
          4,
          372.99,
          372.99,
          0,
          0,
          0,
          0,
          4,
          0
        ],
        [
          "2026-08-27",
          "Thu",
          3,
          259.9,
          259.9,
          0,
          0,
          0,
          0,
          3,
          0
        ],
        [
          "2026-08-28",
          "Fri",
          5,
          389.3,
          389.3,
          0,
          0,
          0,
          0,
          5,
          0
        ],
        [
          "2026-08-29",
          "Sat",
          11,
          1178.8,
          1178.8,
          0,
          0,
          48.93,
          1,
          11,
          0
        ],
        [
          "2026-08-30",
          "Sun",
          5,
          599.2,
          599.2,
          0,
          0,
          0,
          1,
          5,
          0
        ],
        [
          "2026-08-31",
          "Mon",
          8,
          934.14,
          934.14,
          0,
          0,
          0,
          0,
          8,
          0
        ],
        [
          "2026-09-01",
          "Tue",
          3,
          449.13,
          449.13,
          0,
          0,
          0,
          1,
          3,
          0
        ],
        [
          "2026-09-02",
          "Wed",
          4,
          324.07,
          324.07,
          0,
          0,
          0,
          0,
          4,
          0
        ],
        [
          "2026-09-03",
          "Thu",
          7,
          1272.36,
          1272.36,
          0,
          0,
          270.79,
          0,
          7,
          0
        ],
        [
          "2026-09-04",
          "Fri",
          6,
          794.94,
          794.94,
          0,
          0,
          0,
          0,
          6,
          0
        ],
        [
          "2026-09-05",
          "Sat",
          12,
          1518.14,
          1518.14,
          0,
          0,
          0,
          0,
          12,
          0
        ],
        [
          "2026-09-06",
          "Sun",
          4,
          400.19,
          400.19,
          0,
          0,
          0,
          0,
          4,
          0
        ],
        [
          "2026-09-07",
          "Mon",
          4,
          730.8,
          730.8,
          0,
          0,
          0,
          0,
          4,
          0
        ],
        [
          "2026-09-08",
          "Tue",
          6,
          1237.33,
          588.33,
          0,
          649,
          0,
          0,
          6,
          0
        ],
        [
          "2026-09-09",
          "Wed",
          7,
          1651.52,
          752.52,
          0,
          899,
          0,
          0,
          7,
          0
        ],
        [
          "2026-09-10",
          "Thu",
          3,
          846.06,
          846.06,
          0,
          0,
          0,
          0,
          3,
          0
        ],
        [
          "2026-09-11",
          "Fri",
          11,
          1837.42,
          1248.42,
          0,
          589,
          48.93,
          0,
          11,
          0
        ],
        [
          "2026-09-12",
          "Sat",
          11,
          2488.81,
          1439.81,
          0,
          1049,
          0,
          0,
          11,
          0
        ],
        [
          "2026-09-13",
          "Sun",
          4,
          388.23,
          388.23,
          0,
          0,
          0,
          0,
          4,
          0
        ],
        [
          "2026-09-14",
          "Mon",
          5,
          1398.03,
          659.03,
          0,
          739,
          0,
          0,
          5,
          0
        ],
        [
          "2026-09-15",
          "Tue",
          7,
          1547.24,
          848.24,
          0,
          699,
          0,
          0,
          7,
          0
        ],
        [
          "2026-09-16",
          "Wed",
          8,
          1866.54,
          777.54,
          0,
          1089,
          0,
          1,
          8,
          0
        ],
        [
          "2026-09-17",
          "Thu",
          10,
          2467.3,
          1818.3,
          0,
          649,
          96.79,
          0,
          10,
          0
        ],
        [
          "2026-09-18",
          "Fri",
          12,
          2305.09,
          1356.09,
          0,
          949,
          0,
          0,
          12,
          0
        ],
        [
          "2026-09-19",
          "Sat",
          8,
          2111.41,
          962.41,
          0,
          1149,
          0,
          0,
          8,
          0
        ],
        [
          "2026-09-20",
          "Sun",
          6,
          983.75,
          394.75,
          0,
          589,
          0,
          0,
          6,
          0
        ],
        [
          "2026-09-21",
          "Mon",
          6,
          782.99,
          782.99,
          0,
          0,
          0,
          1,
          6,
          0
        ],
        [
          "2026-09-22",
          "Tue",
          5,
          1751.53,
          702.53,
          0,
          1049,
          0,
          2,
          5,
          0
        ],
        [
          "2026-09-23",
          "Wed",
          7,
          1419.74,
          486.08,
          0,
          933.66,
          0,
          0,
          7,
          0
        ],
        [
          "2026-09-24",
          "Thu",
          5,
          2380.17,
          1481.17,
          0,
          899,
          0,
          0,
          5,
          0
        ],
        [
          "2026-09-25",
          "Fri",
          5,
          1132.76,
          183.76,
          0,
          949,
          0,
          0,
          5,
          0
        ],
        [
          "2026-09-26",
          "Sat",
          6,
          1255.79,
          556.79,
          0,
          699,
          0,
          0,
          6,
          0
        ],
        [
          "2026-09-27",
          "Sun",
          3,
          1212.97,
          123.97,
          0,
          1089,
          0,
          1,
          3,
          0
        ],
        [
          "2026-09-28",
          "Mon",
          10,
          2034.01,
          945.01,
          0,
          1089,
          1089,
          2,
          10,
          0
        ],
        [
          "2026-09-29",
          "Tue",
          9,
          1761.51,
          1112.51,
          0,
          649,
          0,
          0,
          9,
          0
        ],
        [
          "2026-09-30",
          "Wed",
          9,
          2524.76,
          1575.76,
          0,
          949,
          0,
          0,
          9,
          0
        ],
        [
          "2026-10-01",
          "Thu",
          13,
          3647.55,
          1241.9,
          0,
          2405.65,
          0,
          1,
          13,
          0
        ],
        [
          "2026-10-02",
          "Fri",
          11,
          3469.44,
          1103.79,
          0,
          2365.65,
          0,
          0,
          11,
          0
        ],
        [
          "2026-10-03",
          "Sat",
          7,
          2528,
          1479,
          0,
          1049,
          1045.79,
          1,
          7,
          0
        ],
        [
          "2026-10-04",
          "Sun",
          5,
          767.32,
          178.32,
          0,
          589,
          107.66,
          1,
          5,
          0
        ],
        [
          "2026-10-05",
          "Mon",
          7,
          2119.13,
          1170.13,
          0,
          949,
          0,
          0,
          7,
          0
        ],
        [
          "2026-10-06",
          "Tue",
          11,
          2369.39,
          1670.39,
          0,
          699,
          0,
          0,
          11,
          0
        ]
      ]
    },
    "card_mix_30_days": {
      "window": "2026-09-07 to 2026-10-06",
      "all_sales": {
        "count": 221,
        "distinct_cards": 217,
        "card_types": {
          "credit": "137 (62%)",
          "debit": "79 (36%)",
          "prepaid": "5 (2%)"
        },
        "non_us_cards": 0,
        "declined_attempts": 10
      },
      "card_not_present_sales": {
        "count": 31,
        "gross_usd": 25411.96,
        "distinct_cards": 27,
        "cards_with_more_than_one_sale": 3,
        "entry": {
          "payment link": "28 (90%)",
          "invoice": "3 (10%)"
        },
        "brands": {
          "Visa": "17 (55%)",
          "Mastercard": "7 (23%)",
          "Amex": "5 (16%)",
          "Discover": "2 (6%)"
        },
        "card_types": {
          "credit": "24 (77%)",
          "debit": "7 (23%)"
        },
        "issuers": {
          "US national bank": "9 (29%)",
          "US regional bank": "6 (19%)",
          "American Express": "5 (16%)",
          "US card issuer": "5 (16%)",
          "US credit union": "3 (10%)",
          "Discover": "2 (6%)",
          "US online bank": "1 (3%)"
        },
        "issuer_countries": {
          "US": "31 (100%)"
        },
        "billing_zip_states": {
          "CA": "8 (26%)",
          "TX": "3 (10%)",
          "AZ": "3 (10%)",
          "NJ": "3 (10%)",
          "OR": "2 (6%)",
          "NV": "2 (6%)",
          "WA": "2 (6%)",
          "FL": "2 (6%)",
          "GA": "2 (6%)",
          "NY": "2 (6%)",
          "IL": "1 (3%)",
          "PA": "1 (3%)"
        },
        "avs": {
          "Y": "27 (87%)",
          "Z": "3 (10%)",
          "N": "1 (3%)"
        },
        "cvv": {
          "M": "31 (100%)"
        },
        "declined_attempts": 9
      },
      "note": "Before 2026-09-08 this merchant's only card-not-present sales were invoices to local businesses."
    },
    "transactions_250_plus_30_days": {
      "columns": [
        "ts",
        "id",
        "type",
        "amount_usd",
        "entry",
        "card",
        "issuer",
        "billing_zip_state",
        "checks",
        "response",
        "card_history",
        "customer",
        "note"
      ],
      "rows": [
        [
          "2026-09-07T17:02:53Z",
          "py_9ksf7tkyq7",
          "sale",
          270.79,
          "contactless",
          "Visa credit x1541",
          "US national bank",
          "",
          "",
          "00 approved",
          "first use here",
          "",
          ""
        ],
        [
          "2026-09-08T21:24:52Z",
          "py_6i74u7ilri",
          "sale",
          649,
          "payment link",
          "Visa credit x1747",
          "US national bank",
          "CA",
          "AVS Y CVV M 3DS not requested",
          "00 approved",
          "first use here",
          "personal webmail; IP Fresno CA residential; ship to billing address",
          "Refurbished iPhone 13 128GB"
        ],
        [
          "2026-09-10T01:06:19Z",
          "py_9150gptt9h",
          "sale",
          899,
          "payment link",
          "Mastercard debit x7612",
          "US credit union",
          "OR",
          "AVS Y CVV M 3DS not requested",
          "00 approved",
          "first use here",
          "personal webmail; IP Portland OR residential; ship to billing address",
          "Refurbished iPhone 14 Pro 128GB"
        ],
        [
          "2026-09-10T01:43:16Z",
          "py_do23c2ke3w",
          "sale",
          292.54,
          "contactless",
          "Mastercard debit x4170",
          "US national bank",
          "",
          "",
          "00 approved",
          "first use here",
          "",
          ""
        ],
        [
          "2026-09-10T20:55:38Z",
          "py_9g6km3jkxu",
          "sale",
          705.79,
          "contactless",
          "Mastercard debit x4910",
          "US regional bank",
          "",
          "",
          "00 approved",
          "first use here",
          "",
          "Refurbished iPhone 13 128GB, sold in store"
        ],
        [
          "2026-09-11T18:42:19Z",
          "py_dw0e26w6t0",
          "sale",
          589,
          "payment link",
          "Visa debit x0443",
          "US regional bank",
          "NV",
          "AVS Y CVV M 3DS not requested",
          "00 approved",
          "first use here",
          "personal webmail; IP Reno NV mobile; ship to billing address",
          "Refurbished Galaxy S22"
        ],
        [
          "2026-09-11T20:10:38Z",
          "py_cils8e5fd8",
          "sale",
          270.79,
          "contactless",
          "Mastercard credit x1698",
          "US regional bank",
          "",
          "",
          "00 approved",
          "first use here",
          "",
          ""
        ],
        [
          "2026-09-12T21:32:49Z",
          "py_9hvxlwkray",
          "sale",
          357.79,
          "chip",
          "Visa debit x5134",
          "US national bank",
          "",
          "",
          "00 approved",
          "first use here",
          "",
          ""
        ],
        [
          "2026-09-12T22:42:44Z",
          "py_ymtt2pid2q",
          "sale",
          292.54,
          "chip",
          "Mastercard credit x4286",
          "US regional bank",
          "",
          "",
          "00 approved",
          "first use here",
          "",
          ""
        ],
        [
          "2026-09-13T04:12:02Z",
          "py_abiftsfwom",
          "sale",
          1049,
          "payment link",
          "Visa credit x6295",
          "US card issuer",
          "TX",
          "AVS Z CVV M 3DS not requested",
          "00 approved",
          "first use here",
          "personal webmail; IP Houston TX mobile; ship to a different address in Houston TX",
          "Refurbished iPhone 15 Pro 256GB"
        ],
        [
          "2026-09-14T20:30:48Z",
          "py_ct4zord3jb",
          "sale",
          739,
          "payment link",
          "Amex credit x6335",
          "American Express",
          "AZ",
          "AVS Y CVV M 3DS not requested",
          "00 approved",
          "first use here",
          "personal webmail; IP Phoenix AZ residential; ship to billing address",
          "Refurbished iPhone 14 128GB"
        ],
        [
          "2026-09-15T23:12:35Z",
          "py_zdjmjwky2p",
          "sale",
          699,
          "payment link",
          "Mastercard credit x1885",
          "US regional bank",
          "WA",
          "AVS Y CVV M 3DS not requested",
          "00 approved",
          "first use here",
          "personal webmail; IP Spokane WA residential; ship to billing address",
          "Refurbished Galaxy S23"
        ],
        [
          "2026-09-16T09:48:55Z",
          "py_ddckzyfqy1",
          "declined sale",
          1089,
          "payment link",
          "Visa credit x8740",
          "US card issuer",
          "NJ",
          "AVS N CVV M 3DS not requested",
          "05 do not honor",
          "first use here",
          "personal webmail; IP hosting provider (VPN exit in Newark NJ); ship to New Castle DE, warehouse of a package-forwarding service",
          "Refurbished iPhone 15 Pro Max 256GB"
        ],
        [
          "2026-09-16T09:53:55Z",
          "py_ad5bfd9mld",
          "sale",
          1089,
          "payment link",
          "Visa credit x0850",
          "US national bank",
          "NJ",
          "AVS Y CVV M 3DS not requested",
          "00 approved",
          "first use here",
          "personal webmail; IP hosting provider (VPN exit in Newark NJ); ship to New Castle DE, warehouse of a package-forwarding service",
          "Refurbished iPhone 15 Pro Max 256GB; buyer asked for overnight shipping; buyer asked for overnight shipping"
        ],
        [
          "2026-09-17T19:18:00Z",
          "py_jvf7of5nis",
          "sale",
          649,
          "payment link",
          "Visa debit x1601",
          "US credit union",
          "CA",
          "AVS Y CVV M 3DS not requested",
          "00 approved",
          "first use here",
          "personal webmail; IP Sacramento CA residential; ship to picked up in store (ID checked)",
          "Refurbished iPhone 13 128GB"
        ],
        [
          "2026-09-17T20:01:13Z",
          "py_d8hrbgud6m",
          "sale",
          270.79,
          "chip",
          "Visa debit x7637",
          "US national bank",
          "",
          "",
          "00 approved",
          "first use here",
          "",
          ""
        ],
        [
          "2026-09-17T20:32:36Z",
          "py_uk7ornwqtj",
          "sale",
          640.54,
          "chip",
          "Visa credit x4384",
          "US national bank",
          "",
          "",
          "00 approved",
          "first use here",
          "",
          "Refurbished Galaxy S22, sold in store"
        ],
        [
          "2026-09-19T02:54:17Z",
          "py_6cfnacauq4",
          "sale",
          949,
          "payment link",
          "Mastercard credit x6532",
          "US card issuer",
          "FL",
          "AVS Y CVV M 3DS not requested",
          "00 approved",
          "first use here",
          "personal webmail; IP Tampa FL residential; ship to billing address",
          "Refurbished iPhone 15 128GB"
        ],
        [
          "2026-09-19T19:01:00Z",
          "py_bj2jqnyfx4",
          "sale",
          270.79,
          "chip",
          "Amex credit x0141",
          "American Express",
          "",
          "",
          "00 approved",
          "first use here",
          "",
          ""
        ],
        [
          "2026-09-19T22:06:25Z",
          "py_ecx9kqyq3y",
          "sale",
          1149,
          "payment link",
          "Visa credit x7400",
          "US national bank",
          "GA",
          "AVS Z CVV M 3DS not requested",
          "00 approved",
          "first use here",
          "personal webmail; IP Atlanta GA mobile; ship to a different address in Atlanta GA (apartment)",
          "Refurbished iPhone 15 Pro Max 512GB"
        ],
        [
          "2026-09-20T17:48:36Z",
          "py_pftcvnyfzx",
          "sale",
          589,
          "payment link",
          "Discover credit x1243",
          "Discover",
          "IL",
          "AVS Y CVV M 3DS not requested",
          "00 approved",
          "first use here",
          "personal webmail; IP Naperville IL residential; ship to billing address",
          "Refurbished Galaxy S22"
        ],
        [
          "2026-09-21T18:44:25Z",
          "py_kv3qsn718d",
          "sale",
          270.79,
          "chip",
          "Visa credit x7378",
          "US national bank",
          "",
          "",
          "00 approved",
          "first use here",
          "",
          ""
        ],
        [
          "2026-09-22T03:24:45Z",
          "py_81bptchkoo",
          "declined sale",
          1049,
          "payment link",
          "Visa prepaid x0092",
          "US prepaid program",
          "MD",
          "AVS N CVV M 3DS not requested",
          "51 insufficient funds",
          "first use here",
          "personal webmail; IP hosting provider (VPN exit in Baltimore MD); ship to a different address in Baltimore MD",
          "Refurbished iPhone 15 Pro 256GB"
        ],
        [
          "2026-09-22T22:21:00Z",
          "py_arj3vncae7",
          "sale",
          270.79,
          "contactless",
          "Visa debit x3032",
          "US credit union",
          "",
          "",
          "00 approved",
          "first use here",
          "",
          ""
        ],
        [
          "2026-09-23T06:30:08Z",
          "py_vwrcxujsqe",
          "declined sale",
          1049,
          "payment link",
          "Visa debit x3790",
          "US card issuer",
          "NY",
          "AVS Y CVV M 3DS not requested",
          "51 insufficient funds",
          "first use here",
          "personal webmail; IP New York NY mobile; ship to a different address in Brooklyn NY",
          "Refurbished iPhone 15 Pro 256GB"
        ],
        [
          "2026-09-23T06:35:08Z",
          "py_yhpvnlm51z",
          "declined sale",
          1049,
          "payment link",
          "Mastercard credit x8819",
          "US national bank",
          "NY",
          "AVS Y CVV N 3DS not requested",
          "N7 CVV mismatch",
          "first use here",
          "personal webmail; IP New York NY mobile; ship to a different address in Brooklyn NY",
          "Refurbished iPhone 15 Pro 256GB"
        ],
        [
          "2026-09-23T06:40:08Z",
          "py_ic02ratkwt",
          "sale",
          1049,
          "payment link",
          "Mastercard credit x9623",
          "US national bank",
          "NY",
          "AVS Y CVV M 3DS not requested",
          "00 approved",
          "first use here",
          "personal webmail; IP New York NY mobile; ship to a different address in Brooklyn NY",
          "Refurbished iPhone 15 Pro 256GB"
        ],
        [
          "2026-09-23T20:15:35Z",
          "py_s978aoz3v7",
          "sale",
          739,
          "payment link",
          "Visa debit x3487",
          "US regional bank",
          "CA",
          "AVS Y CVV M 3DS not requested",
          "00 approved",
          "first use here",
          "personal webmail; IP San Jose CA residential; ship to billing address",
          "Refurbished iPhone 14 128GB"
        ],
        [
          "2026-09-24T21:33:10Z",
          "py_6zoljtn3fj",
          "sale",
          270.79,
          "contactless",
          "Mastercard debit x5899",
          "US credit union",
          "",
          "",
          "00 approved",
          "first use here",
          "",
          ""
        ],
        [
          "2026-09-24T21:51:41Z",
          "py_i08duyqj3g",
          "sale",
          977.66,
          "chip",
          "Visa credit x6437",
          "US card issuer",
          "",
          "",
          "00 approved",
          "first use here",
          "",
          "Refurbished iPhone 14 Pro 128GB, sold in store"
        ],
        [
          "2026-09-25T00:42:56Z",
          "py_bi6pevsssf",
          "sale",
          899,
          "payment link",
          "Visa credit x3650",
          "US card issuer",
          "TX",
          "AVS Y CVV M 3DS not requested",
          "00 approved",
          "first use here",
          "personal webmail; IP Dallas TX residential; ship to billing address",
          "Refurbished iPhone 14 Pro 128GB"
        ],
        [
          "2026-09-26T03:12:17Z",
          "py_i2wpfge5zd",
          "sale",
          949,
          "payment link",
          "Visa credit x4254",
          "US national bank",
          "PA",
          "AVS Y CVV M 3DS not requested",
          "00 approved",
          "first use here",
          "personal webmail; IP Pittsburgh PA residential; ship to billing address",
          "Refurbished iPhone 15 128GB"
        ],
        [
          "2026-09-26T18:00:54Z",
          "py_9sps1qye7a",
          "sale",
          699,
          "payment link",
          "Mastercard debit x6563",
          "US regional bank",
          "OR",
          "AVS Y CVV M 3DS not requested",
          "00 approved",
          "first use here",
          "personal webmail; IP Eugene OR residential; ship to billing address",
          "Refurbished Galaxy S23"
        ],
        [
          "2026-09-27T23:24:43Z",
          "py_pey1zpm40s",
          "declined sale",
          1089,
          "payment link",
          "Visa credit x6309",
          "US credit union",
          "NJ",
          "AVS Y CVV M 3DS not requested",
          "05 do not honor",
          "first use here",
          "personal webmail; IP hosting provider (VPN exit in Newark NJ); ship to New Castle DE, warehouse of a package-forwarding service",
          "Refurbished iPhone 15 Pro Max 256GB"
        ],
        [
          "2026-09-27T23:30:43Z",
          "py_b53rawj3cs",
          "sale",
          1089,
          "payment link",
          "Visa credit x5746",
          "US national bank",
          "NJ",
          "AVS Y CVV M 3DS not requested",
          "00 approved",
          "first use here",
          "personal webmail; IP hosting provider (VPN exit in Newark NJ); ship to New Castle DE, warehouse of a package-forwarding service",
          "Refurbished iPhone 15 Pro Max 256GB; buyer asked for overnight shipping"
        ],
        [
          "2026-09-28T08:18:20Z",
          "py_lamkf12wyg",
          "declined sale",
          1089,
          "payment link",
          "Mastercard credit x5026",
          "US online bank",
          "NJ",
          "AVS N CVV M 3DS not requested",
          "05 do not honor",
          "first use here",
          "personal webmail; IP hosting provider (VPN exit in Newark NJ); ship to New Castle DE, warehouse of a package-forwarding service",
          "Refurbished iPhone 15 Pro Max 256GB"
        ],
        [
          "2026-09-28T08:23:20Z",
          "py_7zbzgxg4no",
          "declined sale",
          1089,
          "payment link",
          "Visa credit x3784",
          "US national bank",
          "NJ",
          "AVS Y CVV N 3DS not requested",
          "N7 CVV mismatch",
          "first use here",
          "personal webmail; IP hosting provider (VPN exit in Newark NJ); ship to New Castle DE, warehouse of a package-forwarding service",
          "Refurbished iPhone 15 Pro Max 256GB"
        ],
        [
          "2026-09-28T08:28:20Z",
          "py_rog5pmxq2y",
          "sale",
          1089,
          "payment link",
          "Visa credit x2837",
          "US online bank",
          "NJ",
          "AVS Y CVV M 3DS not requested",
          "00 approved",
          "first use here",
          "personal webmail; IP hosting provider (VPN exit in Newark NJ); ship to New Castle DE, warehouse of a package-forwarding service",
          "Refurbished iPhone 15 Pro Max 256GB; buyer asked for overnight shipping"
        ],
        [
          "2026-09-29T00:28:20Z",
          "py_fl3d6wf4dh",
          "refund",
          -1089,
          "payment link",
          "Visa credit x2837",
          "US online bank",
          "NJ",
          "",
          "00 approved",
          "",
          "",
          "Refunded before shipping: after paying, buyer asked to ship to a different state"
        ],
        [
          "2026-09-29T21:48:23Z",
          "py_xjpaujv7x3",
          "sale",
          649,
          "payment link",
          "Visa debit x5483",
          "US credit union",
          "CA",
          "AVS Y CVV M 3DS not requested",
          "00 approved",
          "first use here",
          "personal webmail; IP Elk Grove CA mobile; ship to picked up in store (ID checked)",
          "Refurbished iPhone 13 128GB"
        ],
        [
          "2026-09-30T00:15:04Z",
          "py_igpa1qf7m8",
          "sale",
          325.16,
          "chip",
          "Discover credit x7839",
          "Discover",
          "",
          "",
          "00 approved",
          "first use here",
          "",
          ""
        ],
        [
          "2026-09-30T19:36:24Z",
          "py_m51rcwj0li",
          "sale",
          803.66,
          "chip",
          "Visa debit x4781",
          "US national bank",
          "",
          "",
          "00 approved",
          "first use here",
          "",
          "Refurbished iPhone 14 128GB, sold in store"
        ],
        [
          "2026-10-01T01:36:48Z",
          "py_djzxy7rijo",
          "sale",
          949,
          "payment link",
          "Mastercard credit x3429",
          "US national bank",
          "AZ",
          "AVS Z CVV M 3DS not requested",
          "00 approved",
          "first use here",
          "personal webmail; IP Tucson AZ residential; ship to billing address",
          "Refurbished iPhone 15 128GB"
        ],
        [
          "2026-10-01T16:02:07Z",
          "py_9f864wo9p4",
          "sale",
          517.65,
          "invoice",
          "Amex credit x6978",
          "American Express",
          "CA",
          "AVS Y CVV M",
          "00 approved",
          "8 earlier sales here, first 2025-10-10",
          "Small business customer, Sacramento CA",
          "Screen and battery repairs for staff phones"
        ],
        [
          "2026-10-01T19:12:44Z",
          "py_2uj7bvtfxa",
          "sale",
          739,
          "payment link",
          "Amex credit x6335",
          "American Express",
          "AZ",
          "AVS Y CVV M 3DS not requested",
          "00 approved",
          "1 earlier sale here, first 2026-09-14",
          "personal webmail; IP Phoenix AZ residential; ship to billing address",
          "Refurbished iPhone 14 128GB"
        ],
        [
          "2026-10-01T19:25:20Z",
          "py_sbwgvcmkd7",
          "sale",
          270.79,
          "contactless",
          "Mastercard debit x7669",
          "US national bank",
          "",
          "",
          "00 approved",
          "first use here",
          "",
          ""
        ],
        [
          "2026-10-02T05:06:49Z",
          "py_ue0yp1jzar",
          "sale",
          1149,
          "payment link",
          "Visa credit x6728",
          "US national bank",
          "FL",
          "AVS Y CVV M 3DS not requested",
          "00 approved",
          "first use here",
          "personal webmail; IP Miami FL mobile; ship to a different address in Miami FL",
          "Refurbished iPhone 15 Pro Max 512GB"
        ],
        [
          "2026-10-02T21:23:26Z",
          "py_c2jgcl2nqn",
          "sale",
          357.79,
          "contactless",
          "Mastercard credit x3226",
          "US online bank",
          "",
          "",
          "00 approved",
          "first use here",
          "",
          ""
        ],
        [
          "2026-10-02T22:30:12Z",
          "py_q5cgpu8ks8",
          "sale",
          899,
          "payment link",
          "Visa debit x2193",
          "US regional bank",
          "WA",
          "AVS Y CVV M 3DS not requested",
          "00 approved",
          "first use here",
          "personal webmail; IP Tacoma WA residential; ship to billing address",
          "Refurbished iPhone 14 Pro 128GB"
        ],
        [
          "2026-10-02T22:47:43Z",
          "py_calih6h5jw",
          "sale",
          517.65,
          "invoice",
          "Amex credit x6978",
          "American Express",
          "CA",
          "AVS Y CVV M",
          "00 approved",
          "9 earlier sales here, first 2025-10-10",
          "Delta Ridge Property Management, Sacramento CA",
          "Screen and battery repairs for staff phones"
        ],
        [
          "2026-10-03T04:36:22Z",
          "py_elwvo4o8ay",
          "sale",
          949,
          "payment link",
          "Visa credit x6633",
          "US card issuer",
          "GA",
          "AVS Y CVV M 3DS not requested",
          "00 approved",
          "first use here",
          "personal webmail; IP Savannah GA mobile; ship to billing address",
          "Refurbished iPhone 15 128GB"
        ],
        [
          "2026-10-03T18:06:19Z",
          "py_tw1tisc31v",
          "sale",
          705.79,
          "contactless",
          "Visa prepaid x1585",
          "US prepaid program",
          "",
          "",
          "00 approved",
          "first use here",
          "",
          "Refurbished iPhone 13 128GB, sold in store"
        ],
        [
          "2026-10-03T18:36:22Z",
          "py_zjjtm8u479",
          "refund",
          -949,
          "payment link",
          "Visa credit x6633",
          "US card issuer",
          "GA",
          "",
          "00 approved",
          "",
          "",
          "Refunded before shipping: after paying, buyer asked to ship to a different state"
        ],
        [
          "2026-10-04T02:18:05Z",
          "py_7qv7e638xw",
          "declined sale",
          1049,
          "payment link",
          "Visa credit x5723",
          "US regional bank",
          "NY",
          "AVS N CVV N 3DS not requested",
          "N7 CVV mismatch",
          "first use here",
          "personal webmail; IP hosting provider (VPN exit in Jersey City NJ); ship to a different address in Newark NJ",
          "Refurbished iPhone 15 Pro 256GB"
        ],
        [
          "2026-10-04T02:21:05Z",
          "py_d33ix8mnjd",
          "sale",
          1049,
          "payment link",
          "Mastercard credit x8338",
          "US national bank",
          "NY",
          "AVS N CVV M 3DS not requested",
          "00 approved",
          "first use here",
          "personal webmail; IP hosting provider (VPN exit in Jersey City NJ); ship to a different address in Newark NJ",
          "Refurbished iPhone 15 Pro 256GB; buyer asked for overnight shipping"
        ],
        [
          "2026-10-04T20:06:15Z",
          "py_ve189tbju8",
          "sale",
          589,
          "payment link",
          "Discover credit x9227",
          "Discover",
          "CA",
          "AVS Y CVV M 3DS not requested",
          "00 approved",
          "first use here",
          "personal webmail; IP Bakersfield CA residential; ship to billing address",
          "Refurbished Galaxy S22"
        ],
        [
          "2026-10-04T22:27:40Z",
          "py_yxxnawgivl",
          "refund",
          -107.66,
          "chip",
          "Visa credit x8103",
          "US credit union",
          "",
          "",
          "00 approved",
          "",
          "",
          "Refund: repair returned"
        ],
        [
          "2026-10-05T03:42:14Z",
          "py_8b2lwkcru5",
          "declined sale",
          1089,
          "payment link",
          "Visa prepaid x7829",
          "US prepaid program",
          "NJ",
          "AVS N CVV M 3DS not requested",
          "51 insufficient funds",
          "first use here",
          "personal webmail; IP hosting provider (VPN exit in Newark NJ); ship to New Castle DE, warehouse of a package-forwarding service",
          "Refurbished iPhone 15 Pro Max 256GB"
        ],
        [
          "2026-10-05T18:40:46Z",
          "py_7l83ysa6yv",
          "sale",
          575.29,
          "chip",
          "Visa credit x6323",
          "US national bank",
          "",
          "",
          "00 approved",
          "first use here",
          "",
          "Refurbished Galaxy S21, sold in store"
        ],
        [
          "2026-10-06T00:45:55Z",
          "py_ne9jxy1qw1",
          "sale",
          949,
          "payment link",
          "Visa credit x3650",
          "US card issuer",
          "TX",
          "AVS Y CVV M 3DS not requested",
          "00 approved",
          "1 earlier sale here, first 2026-09-24",
          "personal webmail; IP Dallas TX residential; ship to billing address",
          "Refurbished iPhone 15 128GB"
        ],
        [
          "2026-10-06T18:30:12Z",
          "py_xtpmd3hefs",
          "sale",
          699,
          "payment link",
          "Visa credit x0706",
          "US regional bank",
          "NV",
          "AVS Y CVV M 3DS not requested",
          "00 approved",
          "first use here",
          "personal webmail; IP Las Vegas NV residential; ship to billing address",
          "Refurbished Galaxy S23"
        ],
        [
          "2026-10-07T00:30:27Z",
          "py_wf263gv8rv",
          "sale",
          292.54,
          "chip",
          "Amex credit x2197",
          "American Express",
          "",
          "",
          "00 approved",
          "first use here",
          "",
          ""
        ]
      ]
    },
    "disputes_and_fraud_reports": {
      "columns": [
        "received",
        "kind",
        "sale_id",
        "sale_ts",
        "amount_usd",
        "card",
        "entry",
        "reason",
        "status"
      ],
      "rows": [
        [
          "2025-11-28",
          "chargeback",
          "py_4dgg4sg2lw",
          "2025-11-04T20:37:08Z",
          249.04,
          "Mastercard credit x3021",
          "contactless",
          "Mastercard cardholder dispute: defective",
          "Lost: repair warranty not offered in writing"
        ],
        [
          "2025-11-28",
          "chargeback",
          "py_r9d30o4fsv",
          "2025-11-04T22:05:44Z",
          107.66,
          "Visa credit x2077",
          "chip",
          "Visa 13.3 Not as described or defective",
          "Lost: repair warranty not offered in writing"
        ],
        [
          "2026-07-14",
          "chargeback",
          "py_godwl8tq7g",
          "2026-07-02T22:15:34Z",
          162.04,
          "Visa debit x7086",
          "contactless",
          "Visa 13.1 Merchandise/services not received",
          "Lost; merchant balance went negative, debit to bank account returned R01, repaid 2026-07-17"
        ],
        [
          "2026-10-01",
          "fraud report",
          "py_ad5bfd9mld",
          "2026-09-16T09:53:55Z",
          1089,
          "Visa credit x0850",
          "payment link",
          "Visa TC40 fraud report: card not present, cardholder denies",
          "Reported by issuer; no money moved"
        ],
        [
          "2026-10-03",
          "fraud report",
          "py_ic02ratkwt",
          "2026-09-23T06:40:08Z",
          1049,
          "Mastercard credit x9623",
          "payment link",
          "Mastercard fraud report: card not present, cardholder denies",
          "Reported by issuer; no money moved"
        ],
        [
          "2026-10-05",
          "chargeback",
          "py_ad5bfd9mld",
          "2026-09-16T09:53:55Z",
          1089,
          "Visa credit x0850",
          "payment link",
          "Visa 10.4 Other fraud: card-absent environment",
          "Debited from merchant balance; merchant is preparing a response with UPS proof of delivery"
        ],
        [
          "2026-10-05",
          "fraud report",
          "py_i2wpfge5zd",
          "2026-09-26T03:12:17Z",
          949,
          "Visa credit x4254",
          "payment link",
          "Visa TC40 fraud report: card not present, cardholder denies",
          "Reported by issuer; no money moved"
        ],
        [
          "2026-10-06",
          "fraud report",
          "py_b53rawj3cs",
          "2026-09-27T23:30:43Z",
          1089,
          "Visa credit x5746",
          "payment link",
          "Visa TC40 fraud report: card not present, cardholder denies",
          "Reported by issuer; no money moved"
        ],
        [
          "2026-10-07",
          "fraud report",
          "py_ue0yp1jzar",
          "2026-10-02T05:06:49Z",
          1149,
          "Visa credit x6728",
          "payment link",
          "Visa TC40 fraud report: card not present, cardholder denies",
          "Reported by issuer; no money moved"
        ]
      ]
    },
    "shipping_evidence": {
      "uploaded": "2026-10-06T23:40:00Z",
      "orders_shipped": 24,
      "tracking_numbers_provided": 24,
      "delivered_per_carrier": 22,
      "in_transit": 2,
      "signature_required": "On 9 shipments, all sent since 2026-10-01; earlier shipments left at the door",
      "delivered_to": "The ship-to address on each payment link, including both shipments to the New Castle DE forwarding warehouse"
    },
    "dashboard_activity_90_days": {
      "columns": [
        "ts",
        "user",
        "event",
        "device",
        "ip_location"
      ],
      "rows": [
        [
          "2026-07-11T03:30:58Z",
          "Minh Dao (owner)",
          "Login",
          "iPhone 14, our app (dev_5b8e13)",
          "Sacramento CA, cable ISP"
        ],
        [
          "2026-07-17T16:06:13Z",
          "Minh Dao (owner)",
          "Login",
          "iPhone 14, our app (dev_5b8e13)",
          "Sacramento CA, cable ISP"
        ],
        [
          "2026-08-01T04:12:50Z",
          "Minh Dao (owner)",
          "Login",
          "iPhone 14, our app (dev_5b8e13)",
          "Sacramento CA, cable ISP"
        ],
        [
          "2026-08-15T03:48:10Z",
          "Minh Dao (owner)",
          "Login",
          "iPhone 14, our app (dev_5b8e13)",
          "Sacramento CA, cable ISP"
        ],
        [
          "2026-08-29T04:24:46Z",
          "Minh Dao (owner)",
          "Login",
          "iPhone 14, our app (dev_5b8e13)",
          "Sacramento CA, cable ISP"
        ],
        [
          "2026-09-12T03:54:40Z",
          "Minh Dao (owner)",
          "Login",
          "iPhone 14, our app (dev_5b8e13)",
          "Sacramento CA, cable ISP"
        ],
        [
          "2026-09-26T04:36:16Z",
          "Minh Dao (owner)",
          "Login",
          "iPhone 14, our app (dev_5b8e13)",
          "Sacramento CA, cable ISP"
        ],
        [
          "2026-07-17T16:44:02Z",
          "Minh Dao (owner)",
          "Paid negative balance of $177.04 by debit card",
          "iPhone 14, our app (dev_5b8e13)",
          "Sacramento CA, cable ISP"
        ],
        [
          "2026-08-30T03:15:27Z",
          "Minh Dao (owner)",
          "Turned on payment links",
          "Windows desktop in the shop, Chrome (dev_19ad4c, seen since 2023)",
          "Sacramento CA, business cable ISP"
        ],
        [
          "2026-10-01T17:02:51Z",
          "Minh Dao (owner)",
          "Turned on address check required for payment links",
          "Windows desktop in the shop, Chrome (dev_19ad4c)",
          "Sacramento CA, business cable ISP"
        ],
        [
          "2026-10-06T23:40:00Z",
          "Minh Dao (owner)",
          "Uploaded documents: supplier invoices (2 PDFs) and a tracking list (spreadsheet)",
          "Windows desktop in the shop, Chrome (dev_19ad4c)",
          "Sacramento CA, business cable ISP"
        ],
        [
          "2026-09-08T20:57:52Z",
          "Minh Dao (owner)",
          "Payment link created and sent by text",
          "iPhone 14, our app (dev_5b8e13)",
          "Sacramento CA, business cable ISP"
        ],
        [
          "2026-09-13T03:55:02Z",
          "Minh Dao (owner)",
          "Payment link created and sent by text",
          "iPhone 14, our app (dev_5b8e13)",
          "Sacramento CA, cable ISP"
        ],
        [
          "2026-09-16T09:37:55Z",
          "Minh Dao (owner)",
          "Payment link created and sent by text",
          "iPhone 14, our app (dev_5b8e13)",
          "Sacramento CA, cable ISP"
        ],
        [
          "2026-09-19T02:41:17Z",
          "Minh Dao (owner)",
          "Payment link created and sent by text",
          "iPhone 14, our app (dev_5b8e13)",
          "Sacramento CA, cable ISP"
        ],
        [
          "2026-09-22T02:57:45Z",
          "Minh Dao (owner)",
          "Payment link created and sent by text",
          "iPhone 14, our app (dev_5b8e13)",
          "Sacramento CA, cable ISP"
        ],
        [
          "2026-09-23T06:12:08Z",
          "Minh Dao (owner)",
          "Payment link created and sent by text",
          "iPhone 14, our app (dev_5b8e13)",
          "Sacramento CA, cable ISP"
        ],
        [
          "2026-09-26T03:00:17Z",
          "Minh Dao (owner)",
          "Payment link created and sent by text",
          "iPhone 14, our app (dev_5b8e13)",
          "Sacramento CA, cable ISP"
        ],
        [
          "2026-09-27T23:12:43Z",
          "Minh Dao (owner)",
          "Payment link created and sent by text",
          "iPhone 14, our app (dev_5b8e13)",
          "Sacramento CA, business cable ISP"
        ],
        [
          "2026-09-28T08:08:20Z",
          "Minh Dao (owner)",
          "Payment link created and sent by text",
          "iPhone 14, our app (dev_5b8e13)",
          "Sacramento CA, cable ISP"
        ],
        [
          "2026-10-01T18:59:44Z",
          "Minh Dao (owner)",
          "Payment link created and sent by text",
          "iPhone 14, our app (dev_5b8e13)",
          "Sacramento CA, business cable ISP"
        ],
        [
          "2026-10-03T04:30:22Z",
          "Minh Dao (owner)",
          "Payment link created and sent by text",
          "iPhone 14, our app (dev_5b8e13)",
          "Sacramento CA, cable ISP"
        ],
        [
          "2026-10-04T19:38:15Z",
          "Minh Dao (owner)",
          "Payment link created and sent by text",
          "iPhone 14, our app (dev_5b8e13)",
          "Sacramento CA, business cable ISP"
        ],
        [
          "2026-10-06T18:13:12Z",
          "Minh Dao (owner)",
          "Payment link created and sent by text",
          "iPhone 14, our app (dev_5b8e13)",
          "Sacramento CA, business cable ISP"
        ]
      ]
    },
    "linked_accounts": {
      "devices": "No device that used this dashboard has used another merchant's",
      "bank_accounts": "Checking x6125 is not on file for any other merchant",
      "people_and_addresses": "None shared with other merchants",
      "cards": "2 cards declined on this merchant's payment links (both shipping to the New Castle DE warehouse) were declined at another merchant on our platform selling game consoles in the last 30 days",
      "ship_to": "The New Castle DE warehouse address appears on payment links at 3 other merchants on our platform in the last 90 days, all for phones, laptops or consoles"
    },
    "website_and_business_checks": {
      "checked": "2026-10-07",
      "website": "Repair price list unchanged. A 'Shop' page added 2026-08-30 lists 14 refurbished iPhones and Galaxy phones at $529 to $1,149 with photos taken in the shop, a 30-day return policy, 'ships nationwide' and 'text us to buy'. Website monitoring flagged the new page as a new product category.",
      "online_presence": "Map listing with 384 reviews, 4.6 stars; recent reviews mention buying a refurbished phone in the shop",
      "business_address": "Storefront matches the listing and street imagery",
      "supplier_documents": "Two invoices from Delta Coast Wholesale Electronics (Hayward CA) dated 2026-08-27 and 2026-09-18 for 40 graded refurbished phones, $18,640 total; the supplier's website and California business registration exist; we have not contacted the supplier"
    },
    "earlier_reviews": [
      {
        "date": "2023-03-20",
        "type": "Onboarding underwriting",
        "result": "Approved, standard tier"
      },
      {
        "date": "2025-03-24",
        "type": "Annual review",
        "result": "No changes"
      },
      {
        "date": "2025-12-01",
        "type": "Chargeback review (2 disputes in November)",
        "result": "Closed: merchant added a written repair warranty to receipts"
      }
    ],
    "merchant_contacts": [
      {
        "ts": "2026-10-06T19:10:00Z",
        "channel": "Phone call from our risk analyst to the shop's phone",
        "summary": "Minh Dao said he started selling refurbished phones in late August because repairs are slow, buying graded stock from a wholesaler in Hayward. Buyers find him through his listings on online marketplaces and text him; he sends a payment link and ships by UPS the same or next day. He didn't know he should tell us about the new product line. He said he turned on the address check on October 1 and now requires a signature, and refunded two buyers who asked to change the address after paying. Asked about the Delaware address, he said 'two different buyers used it, I figured it was their office.' He agreed to send supplier invoices and tracking."
      }
    ],
    "legend": {
      "entry": {
        "chip": "Chip read on our card reader",
        "contactless": "Tap on our card reader (card or phone wallet)",
        "tap to pay": "Tap on the merchant's phone with our app",
        "keyed": "Card number typed into the virtual terminal in the merchant's dashboard",
        "online checkout": "Our hosted checkout on the merchant's website; the customer enters the card",
        "payment link": "Link the merchant texts or emails to the customer; the customer enters the card",
        "invoice": "Invoice emailed from the dashboard and paid by card on our invoice page"
      },
      "checks": "AVS (address check, card-not-present only): Y street and ZIP match, Z ZIP only, A street only, N no match, U not supported (non-US card). CVV: M match, N no match. 3DS: our online checkout and payment links request 3-D Secure only when the merchant turns it on.",
      "billing_zip_state": "State of the billing ZIP entered with a card-not-present sale",
      "card_history": "Earlier approved sales on the same card at this merchant",
      "response": "00 approved, 05 do not honor, 51 insufficient funds, 54 expired card, N7 CVV mismatch, 59 suspected fraud"
    },
    "alert": {
      "id": "alert_6HV1P8",
      "raised": "2026-10-07T16:05:00Z",
      "rules_fired": [
        "Channel: card-not-present share 48% of the last 30 days' volume; declared 5%",
        "Ticket size: average sale $239.89 in the last 30 days, against $118.50 in the 12 months before; payment link sales of $589 to $1,149",
        "Issuer fraud reports: 5 in 7 days, 2 of them since the merchant was called",
        "First fraud chargeback (Visa 10.4)",
        "Website monitoring: new product category (refurbished phones)"
      ],
      "our_merchant_risk_score": "76 (0 to 100; our review threshold is 70)",
      "assigned_to": "Merchant risk analyst"
    }
  },
  "questions": {
    "risk_type": {
      "type": "choice",
      "instructions": "From the payments platform's point of view, which best explains the merchant activity that raised this review?",
      "criteria": {
        "legitimate_business": "The merchant's real business explains it: growth, a seasonal peak, a promotion, a large genuine order, or a new product or sales channel, paid for by real customers",
        "business_trouble": "A real business whose refunds or chargebacks come from late or failed delivery, quality complaints or money trouble, not from fraud",
        "stolen_cards_at_checkout": "Fraudsters, not the merchant, are paying with stolen card numbers at the merchant's checkout, by card testing with small payments or by buying goods to resell; the merchant is a victim",
        "bust_out": "The merchant itself is running sales it knows are fraudulent (stolen cards keyed in, its own or accomplices' cards, or orders it never means to fulfill) to collect payouts before the chargebacks arrive",
        "transaction_laundering": "The account is processing payments for a different, undisclosed business, often a prohibited or higher-risk one, behind the business it declared",
        "account_takeover": "Someone other than the merchant has taken over its dashboard or account, for example to change the payout bank account or to issue refunds"
      }
    },
    "matches_declared_business": {
      "type": "noul",
      "instructions": "Does the merchant's recent processing match the business it declared at onboarding: the products or services it sells, its price points, how its customers pay (in person, online, invoiced or keyed) and where its customers are? Growth in the same business, and seasonal peaks the business has had before, still match."
    },
    "loss_likelihood": {
      "type": "score",
      "instructions": "If payouts continue on their normal schedule, how likely is it that the platform will have to pay for chargebacks, refunds or card network fines on this merchant's recent sales because the merchant can't or won't cover them?",
      "criteria": [
        "Very unlikely (under 10%)",
        "Unlikely (10-40%)",
        "Uncertain (40-60%)",
        "Likely (60-90%)",
        "Very likely (over 90%)"
      ]
    },
    "action": {
      "type": "choice",
      "instructions": "What should the merchant risk team do with this merchant account now?",
      "criteria": {
        "no_action": "Clear the alert: keep processing and payouts on their normal schedule, raising processing limits if the growth is genuine",
        "request_documents": "Keep processing and payouts going, and ask the merchant for documents that explain the activity (invoices, proof of delivery, supplier receipts, contracts)",
        "reserve_or_delay_payouts": "Keep processing, but hold back a reserve or delay payouts to cover the chargebacks and refunds we could be left with",
        "suspend": "Stop new payments and hold all payouts while the team investigates",
        "terminate": "Close the merchant account, keep its funds to cover chargebacks through the dispute window, and list it on Mastercard's MATCH file where the reason qualifies"
      }
    }
  }
}