{
  "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_5KQ2V8XH",
      "legal_name": "Kessler Ridge Heating & Air LLC",
      "dba": "Kessler Ridge HVAC",
      "entity": "Arizona LLC, single member",
      "formed": "2026-04-30 (Arizona Corporation Commission: active; statutory agent is a commercial registered-agent service)",
      "ein": "xx-xxx4417 (IRS TIN match: name and EIN match)",
      "business_address": "2150 W Southern Ave Ste 114, Mesa, AZ 85202",
      "address_check": "Commercial mail receiving agency (a mailbox store); owner's home address in Mesa, AZ also on file",
      "phone": "(480) 555-0137 (non-fixed VoIP)",
      "email": "office@kesslerridgehvac.example",
      "website": "kesslerridgehvac.example",
      "mcc": "1711 Heating, plumbing and air-conditioning contractors",
      "declared_business": "Residential heating and air-conditioning repair, maintenance and replacement in the Phoenix metro area. Technicians take payment at the customer's home on a card reader, or by emailed invoice.",
      "onboarded": "2026-05-28",
      "account_status": "Active; instant payouts paused automatically at 2026-10-07T14:20Z when this alert fired"
    },
    "owners": [
      {
        "name": "Travis R. Kessler",
        "role": "Owner and managing member",
        "ownership_pct": 100,
        "home": "Mesa, AZ",
        "id_check": "Arizona driver license verified; selfie matched (2026-05-28)",
        "ssn_check": "Name, date of birth and SSN match; credit file opened 2023, 2 tradelines",
        "sanctions_and_pep": "No match",
        "other_merchants_on_platform": "None under this name, SSN or email"
      }
    ],
    "underwriting": {
      "risk_tier": "Standard (new business)",
      "declared_monthly_volume_usd": 18000,
      "declared_average_ticket_usd": 380,
      "declared_max_ticket_usd": 4500,
      "declared_channels": "70% card reader at the customer's home, 30% emailed invoices; no keyed sales",
      "declared_customers": "Homeowners in the Phoenix metro area",
      "refund_policy": "Parts and labor warranty, 1 year",
      "fulfillment": "Service performed before or at the time of payment",
      "processing_limits": "Monthly $40,000 (raised from $25,000 on 2026-09-22), single sale $5,000; soft limits that raise a review",
      "reserve": "None",
      "notes": "2026-05-28 approved: new entity, owner's thin credit file and a mailbox-store address accepted with the home address on file. 2026-09-22 limit raised on an uploaded 2-page service contract with Saguaro Point Property Group for 'HVAC replacement across managed units'; the counterparty was not contacted."
    },
    "payout_account": {
      "current": "Checking x0472, US online bank (verified 2026-09-29 by micro-deposits; account holder name not returned)",
      "previous": "Business checking x3391, Arizona regional bank (verified at onboarding with a voided check; name matched)",
      "changes": [
        {
          "ts": "2026-09-29T15:42:10Z",
          "change": "Bank account changed from x3391 to x0472",
          "how": "Owner's iPhone, our app, Mesa AZ residential ISP; texted code to the phone on file entered"
        },
        {
          "ts": "2026-09-30T02:18:44Z",
          "change": "Instant payouts turned on to debit card x8834 (issued on checking x0472); automatic payouts turned off",
          "how": "Owner's iPhone, our app"
        }
      ]
    },
    "balance": {
      "as_of": "2026-10-07T14:20:00Z",
      "available_usd": 12621.56,
      "paid_out_since_2026_10_01_usd": 75000,
      "keyed_sales_since_2026_10_01_usd": 96245,
      "note": "Instant payouts paused by this alert; an instant payout of $15,000.00 requested at 2026-10-07T14:41Z was refused"
    },
    "payouts_30_days": {
      "columns": [
        "ts",
        "type",
        "amount_usd",
        "instant_fee_usd",
        "destination",
        "status"
      ],
      "rows": [
        [
          "2026-09-08T13:00:00Z",
          "standard",
          292.38,
          0,
          "x3391 regional bank",
          "paid"
        ],
        [
          "2026-09-09T13:00:00Z",
          "standard",
          86.54,
          0,
          "x3391 regional bank",
          "paid"
        ],
        [
          "2026-09-10T13:00:00Z",
          "standard",
          992.15,
          0,
          "x3391 regional bank",
          "paid"
        ],
        [
          "2026-09-11T13:00:00Z",
          "standard",
          672.1,
          0,
          "x3391 regional bank",
          "paid"
        ],
        [
          "2026-09-15T13:00:00Z",
          "standard",
          1814.79,
          0,
          "x3391 regional bank",
          "paid"
        ],
        [
          "2026-09-16T13:00:00Z",
          "standard",
          250.99,
          0,
          "x3391 regional bank",
          "paid"
        ],
        [
          "2026-09-21T13:00:00Z",
          "standard",
          216.61,
          0,
          "x3391 regional bank",
          "paid"
        ],
        [
          "2026-09-22T13:00:00Z",
          "standard",
          592.16,
          0,
          "x3391 regional bank",
          "paid"
        ],
        [
          "2026-09-24T13:00:00Z",
          "standard",
          426.43,
          0,
          "x3391 regional bank",
          "paid"
        ],
        [
          "2026-09-28T13:00:00Z",
          "standard",
          321.17,
          0,
          "x3391 regional bank",
          "paid"
        ],
        [
          "2026-09-29T13:00:00Z",
          "standard",
          783.66,
          0,
          "x3391 regional bank",
          "paid"
        ],
        [
          "2026-10-02T14:54:36Z",
          "instant",
          15000,
          262.5,
          "debit card x8834 on checking x0472",
          "paid"
        ],
        [
          "2026-10-03T15:09:16Z",
          "instant",
          15000,
          262.5,
          "debit card x8834 on checking x0472",
          "paid"
        ],
        [
          "2026-10-04T16:30:19Z",
          "instant",
          15000,
          262.5,
          "debit card x8834 on checking x0472",
          "paid"
        ],
        [
          "2026-10-05T15:42:54Z",
          "instant",
          15000,
          262.5,
          "debit card x8834 on checking x0472",
          "paid"
        ],
        [
          "2026-10-06T14:51:55Z",
          "instant",
          15000,
          262.5,
          "debit card x8834 on checking x0472",
          "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": [
        [
          "2026-06",
          13,
          6006.68,
          462.05,
          86.9,
          0,
          13.1,
          0,
          0,
          0,
          0
        ],
        [
          "2026-07",
          19,
          8629.11,
          454.16,
          92.6,
          0,
          7.4,
          116.1,
          1.3,
          0,
          0
        ],
        [
          "2026-08",
          18,
          9207.41,
          511.52,
          88.9,
          0,
          11.1,
          129.66,
          1.4,
          0,
          0
        ],
        [
          "2026-09",
          21,
          7553.15,
          359.67,
          88,
          0,
          12,
          0,
          0,
          0,
          0
        ],
        [
          "2026-10 (to Oct 6)",
          59,
          96245,
          1631.27,
          0,
          100,
          0,
          0,
          0,
          4,
          11
        ]
      ]
    },
    "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",
          1,
          89,
          89,
          0,
          0,
          0,
          0,
          1,
          0
        ],
        [
          "2026-08-09",
          "Sun",
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-08-10",
          "Mon",
          2,
          465.72,
          346.72,
          0,
          119,
          0,
          0,
          2,
          0
        ],
        [
          "2026-08-11",
          "Tue",
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-08-12",
          "Wed",
          1,
          119,
          119,
          0,
          0,
          0,
          0,
          1,
          0
        ],
        [
          "2026-08-13",
          "Thu",
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-08-14",
          "Fri",
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-08-15",
          "Sat",
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-08-16",
          "Sun",
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-08-17",
          "Mon",
          1,
          432.19,
          432.19,
          0,
          0,
          0,
          0,
          1,
          0
        ],
        [
          "2026-08-18",
          "Tue",
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-08-19",
          "Wed",
          0,
          0,
          0,
          0,
          0,
          129.66,
          0,
          0,
          0
        ],
        [
          "2026-08-20",
          "Thu",
          3,
          4905,
          4905,
          0,
          0,
          0,
          0,
          3,
          0
        ],
        [
          "2026-08-21",
          "Fri",
          1,
          221.25,
          221.25,
          0,
          0,
          0,
          0,
          1,
          0
        ],
        [
          "2026-08-22",
          "Sat",
          2,
          649.54,
          79,
          0,
          570.54,
          0,
          0,
          2,
          0
        ],
        [
          "2026-08-23",
          "Sun",
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-08-24",
          "Mon",
          3,
          726.52,
          726.52,
          0,
          0,
          0,
          0,
          3,
          0
        ],
        [
          "2026-08-25",
          "Tue",
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-08-26",
          "Wed",
          1,
          129,
          129,
          0,
          0,
          0,
          0,
          1,
          0
        ],
        [
          "2026-08-27",
          "Thu",
          1,
          678.86,
          678.86,
          0,
          0,
          0,
          0,
          1,
          0
        ],
        [
          "2026-08-28",
          "Fri",
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-08-29",
          "Sat",
          1,
          462.33,
          462.33,
          0,
          0,
          0,
          0,
          1,
          0
        ],
        [
          "2026-08-30",
          "Sun",
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-08-31",
          "Mon",
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-09-01",
          "Tue",
          1,
          89,
          89,
          0,
          0,
          0,
          0,
          1,
          0
        ],
        [
          "2026-09-02",
          "Wed",
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-09-03",
          "Thu",
          1,
          427.36,
          427.36,
          0,
          0,
          0,
          0,
          1,
          0
        ],
        [
          "2026-09-04",
          "Fri",
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-09-05",
          "Sat",
          1,
          300.34,
          300.34,
          0,
          0,
          0,
          0,
          1,
          0
        ],
        [
          "2026-09-06",
          "Sun",
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-09-07",
          "Mon",
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-09-08",
          "Tue",
          1,
          89,
          89,
          0,
          0,
          0,
          0,
          1,
          0
        ],
        [
          "2026-09-09",
          "Wed",
          2,
          1018.94,
          1018.94,
          0,
          0,
          0,
          0,
          2,
          0
        ],
        [
          "2026-09-10",
          "Thu",
          2,
          692.27,
          119,
          0,
          573.27,
          0,
          0,
          2,
          0
        ],
        [
          "2026-09-11",
          "Fri",
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-09-12",
          "Sat",
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-09-13",
          "Sun",
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-09-14",
          "Mon",
          2,
          1863.54,
          1863.54,
          0,
          0,
          0,
          0,
          2,
          0
        ],
        [
          "2026-09-15",
          "Tue",
          2,
          258,
          258,
          0,
          0,
          0,
          0,
          2,
          0
        ],
        [
          "2026-09-16",
          "Wed",
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-09-17",
          "Thu",
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-09-18",
          "Fri",
          1,
          222.55,
          222.55,
          0,
          0,
          0,
          0,
          1,
          0
        ],
        [
          "2026-09-19",
          "Sat",
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-09-20",
          "Sun",
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-09-21",
          "Mon",
          3,
          608.43,
          608.43,
          0,
          0,
          0,
          0,
          3,
          0
        ],
        [
          "2026-09-22",
          "Tue",
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-09-23",
          "Wed",
          1,
          437.97,
          437.97,
          0,
          0,
          0,
          0,
          1,
          0
        ],
        [
          "2026-09-24",
          "Thu",
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-09-25",
          "Fri",
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-09-26",
          "Sat",
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-09-27",
          "Sun",
          1,
          331.07,
          0,
          0,
          331.07,
          0,
          0,
          1,
          0
        ],
        [
          "2026-09-28",
          "Mon",
          2,
          804.89,
          804.89,
          0,
          0,
          0,
          0,
          2,
          0
        ],
        [
          "2026-09-29",
          "Tue",
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-09-30",
          "Wed",
          1,
          409.79,
          409.79,
          0,
          0,
          0,
          0,
          1,
          0
        ],
        [
          "2026-10-01",
          "Thu",
          7,
          11220,
          0,
          11220,
          0,
          0,
          3,
          7,
          0
        ],
        [
          "2026-10-02",
          "Fri",
          10,
          16186,
          0,
          16186,
          0,
          0,
          5,
          9,
          2
        ],
        [
          "2026-10-03",
          "Sat",
          20,
          32164,
          0,
          32164,
          0,
          0,
          6,
          17,
          0
        ],
        [
          "2026-10-04",
          "Sun",
          4,
          7050,
          0,
          7050,
          0,
          0,
          1,
          4,
          0
        ],
        [
          "2026-10-05",
          "Mon",
          14,
          21715,
          0,
          21715,
          0,
          0,
          8,
          12,
          1
        ],
        [
          "2026-10-06",
          "Tue",
          4,
          7910,
          0,
          7910,
          0,
          0,
          1,
          4,
          0
        ]
      ]
    },
    "card_mix_30_days": {
      "window": "2026-09-07 to 2026-10-06",
      "all_sales": {
        "count": 77,
        "distinct_cards": 71,
        "card_types": {
          "credit": "59 (77%)",
          "debit": "12 (16%)",
          "prepaid": "6 (8%)"
        },
        "non_us_cards": 3,
        "declined_attempts": 24
      },
      "card_not_present_sales": {
        "count": 61,
        "gross_usd": 97149.34,
        "distinct_cards": 55,
        "cards_with_more_than_one_sale": 6,
        "entry": {
          "keyed": "59 (97%)",
          "invoice": "2 (3%)"
        },
        "brands": {
          "Visa": "38 (62%)",
          "Mastercard": "19 (31%)",
          "Amex": "3 (5%)",
          "Discover": "1 (2%)"
        },
        "card_types": {
          "credit": "48 (79%)",
          "debit": "7 (11%)",
          "prepaid": "6 (10%)"
        },
        "issuers": {
          "US national bank": "12 (20%)",
          "Texas credit union": "11 (18%)",
          "US regional bank": "9 (15%)",
          "US card issuer": "7 (11%)",
          "US credit union": "6 (10%)",
          "US online bank": "5 (8%)",
          "US prepaid program": "4 (7%)",
          "American Express": "3 (5%)",
          "Canadian bank": "2 (3%)",
          "UK bank": "1 (2%)",
          "Discover": "1 (2%)"
        },
        "issuer_countries": {
          "US": "58 (95%)",
          "GB": "2 (3%)",
          "CA": "1 (2%)"
        },
        "billing_zip_states": {
          "TX": "14 (23%)",
          "IL": "8 (13%)",
          "OH": "5 (8%)",
          "NJ": "4 (7%)",
          "FL": "3 (5%)",
          "CA": "3 (5%)",
          "MD": "3 (5%)",
          "PA": "3 (5%)",
          "AZ": "2 (3%)",
          "NY": "2 (3%)",
          "NC": "2 (3%)",
          "TN": "2 (3%)",
          "MI": "2 (3%)",
          "CO": "2 (3%)",
          "VA": "1 (2%)",
          "WA": "1 (2%)",
          "GA": "1 (2%)"
        },
        "avs": {
          "N": "21 (34%)",
          "Z": "18 (30%)",
          "Y": "16 (26%)",
          "A": "3 (5%)",
          "U": "3 (5%)"
        },
        "cvv": {
          "M": "61 (100%)"
        },
        "declined_attempts": 24
      },
      "note": "Card-not-present sales before 2026-10-01 were invoices with Arizona billing ZIPs. 15 of the cards keyed since 2026-10-01 (approved or declined) are Visa credit cards on one Texas credit union's BIN."
    },
    "transactions_250_plus_30_days": {
      "columns": [
        "ts",
        "id",
        "type",
        "amount_usd",
        "entry",
        "card",
        "issuer",
        "billing_zip_state",
        "checks",
        "response",
        "card_history",
        "customer",
        "note"
      ],
      "rows": [
        [
          "2026-09-09T17:36:28Z",
          "py_xhku6fzn8p",
          "sale",
          340.71,
          "contactless",
          "Mastercard credit x9821",
          "US card issuer",
          "",
          "",
          "00 approved",
          "first use here",
          "",
          ""
        ],
        [
          "2026-09-09T18:40:37Z",
          "py_19kglbk9nu",
          "sale",
          678.23,
          "contactless",
          "Mastercard credit x3448",
          "US credit union",
          "",
          "",
          "00 approved",
          "first use here",
          "",
          ""
        ],
        [
          "2026-09-11T01:28:24Z",
          "py_4sa6ftrb4c",
          "sale",
          573.27,
          "invoice",
          "Visa credit x3981",
          "US card issuer",
          "AZ",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "personal email; IP Phoenix-area residential",
          "Capacitor and contactor"
        ],
        [
          "2026-09-14T23:35:50Z",
          "py_nrz1szawhy",
          "sale",
          1734.54,
          "contactless",
          "Mastercard credit x6920",
          "US credit union",
          "",
          "",
          "00 approved",
          "first use here",
          "",
          ""
        ],
        [
          "2026-09-21T21:40:33Z",
          "py_sgkaigm1ig",
          "sale",
          291.65,
          "chip",
          "Mastercard credit x5929",
          "US national bank",
          "",
          "",
          "00 approved",
          "first use here",
          "",
          ""
        ],
        [
          "2026-09-23T22:05:03Z",
          "py_c53xep6pef",
          "sale",
          437.97,
          "chip",
          "Mastercard credit x3678",
          "US online bank",
          "",
          "",
          "00 approved",
          "first use here",
          "",
          ""
        ],
        [
          "2026-09-28T03:09:14Z",
          "py_m2jkqtozfs",
          "sale",
          331.07,
          "invoice",
          "Visa debit x8495",
          "US card issuer",
          "AZ",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "personal email; IP Phoenix-area residential",
          "Drain line clear"
        ],
        [
          "2026-09-28T20:41:06Z",
          "py_u1bpnnfwdc",
          "sale",
          555.1,
          "contactless",
          "Visa credit x6331",
          "US online bank",
          "",
          "",
          "00 approved",
          "first use here",
          "",
          ""
        ],
        [
          "2026-09-30T15:30:28Z",
          "py_uaia7zn7e0",
          "sale",
          409.79,
          "chip",
          "Visa debit x4499",
          "US national bank",
          "",
          "",
          "00 approved",
          "first use here",
          "",
          ""
        ],
        [
          "2026-10-02T06:01:54Z",
          "py_lik9bwts2w",
          "declined sale",
          1575,
          "keyed",
          "Visa credit x6450",
          "US regional bank",
          "NY",
          "AVS N CVV M",
          "05 do not honor",
          "first use here",
          "",
          "Duct cleaning and sealing unit 106"
        ],
        [
          "2026-10-02T06:03:14Z",
          "py_25fsig3z9x",
          "declined sale",
          1181,
          "keyed",
          "Visa credit x6450",
          "US regional bank",
          "NY",
          "AVS N CVV M",
          "05 do not honor",
          "first use here",
          "",
          "Duct cleaning and sealing unit 106 (deposit)"
        ],
        [
          "2026-10-02T06:07:40Z",
          "py_08n4cv5jja",
          "sale",
          2180,
          "keyed",
          "Visa credit x4540",
          "US regional bank",
          "FL",
          "AVS N CVV M",
          "00 approved",
          "first use here",
          "",
          "Air handler replacement unit 114"
        ],
        [
          "2026-10-02T06:12:43Z",
          "py_l8d5kez87j",
          "sale",
          1690,
          "keyed",
          "Visa credit x1564",
          "Texas credit union",
          "TX",
          "AVS N CVV M",
          "00 approved",
          "first use here",
          "",
          "Duct cleaning and sealing unit 116"
        ],
        [
          "2026-10-02T06:16:09Z",
          "py_t5ua6rma30",
          "sale",
          2180,
          "keyed",
          "Mastercard prepaid x5048",
          "US prepaid program",
          "VA",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "",
          "Condenser replacement unit 121"
        ],
        [
          "2026-10-02T06:24:41Z",
          "py_gkptz1dofw",
          "sale",
          1240,
          "keyed",
          "Visa credit x3170",
          "US national bank",
          "TX",
          "AVS Z CVV M",
          "00 approved",
          "first use here",
          "",
          "Condenser replacement unit 128"
        ],
        [
          "2026-10-02T06:34:31Z",
          "py_ctzodz0ifl",
          "sale",
          890,
          "keyed",
          "Visa credit x9274",
          "US national bank",
          "IL",
          "AVS A CVV M",
          "00 approved",
          "first use here",
          "",
          "AC replacement unit 137"
        ],
        [
          "2026-10-02T06:43:23Z",
          "py_hyvdedimp2",
          "declined sale",
          2180,
          "keyed",
          "Mastercard credit x3213",
          "US online bank",
          "IL",
          "AVS N CVV M",
          "05 do not honor",
          "first use here",
          "",
          "AC replacement unit 138"
        ],
        [
          "2026-10-02T06:44:31Z",
          "py_23482ck2nx",
          "sale",
          1090,
          "keyed",
          "Mastercard credit x3213",
          "US online bank",
          "IL",
          "AVS N CVV M",
          "00 approved",
          "first use here",
          "",
          "AC replacement unit 138 (deposit)"
        ],
        [
          "2026-10-02T06:48:43Z",
          "py_9f27ybb7nw",
          "sale",
          1950,
          "keyed",
          "Visa credit x5466",
          "Texas credit union",
          "TX",
          "AVS Z CVV M",
          "00 approved",
          "first use here",
          "",
          "Air handler replacement unit 146"
        ],
        [
          "2026-10-02T08:43:45Z",
          "py_sg4vp88tf5",
          "sale",
          1690,
          "keyed",
          "Visa credit x9407",
          "US national bank",
          "NJ",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "",
          "Duct cleaning and sealing unit 149"
        ],
        [
          "2026-10-02T08:46:49Z",
          "py_r85vr6on49",
          "declined sale",
          1950,
          "keyed",
          "Visa debit x2188",
          "US national bank",
          "FL",
          "AVS N CVV M",
          "54 expired card",
          "first use here",
          "",
          "Mini split install unit 158"
        ],
        [
          "2026-10-02T08:52:57Z",
          "py_g95eifrzbs",
          "sale",
          2390,
          "keyed",
          "Mastercard debit x0647",
          "US credit union",
          "CA",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "",
          "Air handler replacement unit 160"
        ],
        [
          "2026-10-02T09:00:18Z",
          "py_ri4azbb78a",
          "sale",
          1690,
          "keyed",
          "Mastercard credit x5366",
          "US card issuer",
          "WA",
          "AVS A CVV M",
          "00 approved",
          "first use here",
          "",
          "Mini split install unit 169"
        ],
        [
          "2026-10-02T09:02:31Z",
          "py_zn3h4ye5bo",
          "sale",
          1460,
          "keyed",
          "Visa credit x0009",
          "US regional bank",
          "TX",
          "AVS N CVV M",
          "00 approved",
          "first use here",
          "",
          "Air handler replacement unit 177"
        ],
        [
          "2026-10-02T09:06:33Z",
          "py_kvmj38hfuz",
          "sale",
          2180,
          "keyed",
          "Mastercard credit x6820",
          "UK bank, GB",
          "",
          "AVS U CVV M",
          "00 approved",
          "first use here",
          "",
          "Air handler replacement unit 179"
        ],
        [
          "2026-10-03T06:15:50Z",
          "py_60ejbohape",
          "declined sale",
          1575,
          "keyed",
          "Visa credit x6171",
          "Texas credit union",
          "TX",
          "AVS Y CVV M",
          "59 suspected fraud",
          "first use here",
          "",
          "Condenser replacement unit 183"
        ],
        [
          "2026-10-03T06:23:12Z",
          "py_s8myb2oq7f",
          "sale",
          2240,
          "keyed",
          "Amex prepaid x4198",
          "American Express",
          "IL",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "",
          "Condenser replacement unit 185"
        ],
        [
          "2026-10-03T06:31:59Z",
          "py_u78jmivhfv",
          "declined sale",
          1575,
          "keyed",
          "Mastercard credit x5031",
          "Canadian bank, GB",
          "",
          "AVS U CVV M",
          "05 do not honor",
          "first use here",
          "",
          "Furnace install unit 190"
        ],
        [
          "2026-10-03T06:33:13Z",
          "py_ebbmbwhfif",
          "sale",
          1181,
          "keyed",
          "Mastercard credit x5031",
          "Canadian bank, GB",
          "",
          "AVS U CVV M",
          "00 approved",
          "first use here",
          "",
          "Furnace install unit 190 (deposit)"
        ],
        [
          "2026-10-03T06:40:28Z",
          "py_vq6dcmi0pf",
          "sale",
          1575,
          "keyed",
          "Mastercard credit x6297",
          "US credit union",
          "OH",
          "AVS N CVV M",
          "00 approved",
          "first use here",
          "",
          "Air handler replacement unit 199"
        ],
        [
          "2026-10-03T06:45:28Z",
          "py_v9zyrmhwwi",
          "sale",
          890,
          "keyed",
          "Mastercard credit x6297",
          "US credit union",
          "OH",
          "AVS N CVV M",
          "00 approved",
          "1 earlier sale here, first 2026-10-02",
          "",
          "Duct cleaning and sealing unit 200"
        ],
        [
          "2026-10-03T06:50:49Z",
          "py_bi9sz1v7px",
          "declined sale",
          2480,
          "keyed",
          "Visa credit x8115",
          "Texas credit union",
          "TX",
          "AVS Y CVV M",
          "05 do not honor",
          "first use here",
          "",
          "Furnace install unit 202"
        ],
        [
          "2026-10-03T06:52:11Z",
          "py_6yi4srbaog",
          "declined sale",
          1488,
          "keyed",
          "Visa credit x8115",
          "Texas credit union",
          "TX",
          "AVS Y CVV M",
          "05 do not honor",
          "first use here",
          "",
          "Furnace install unit 202 (deposit)"
        ],
        [
          "2026-10-03T06:57:49Z",
          "py_6rl2qeg8l5",
          "sale",
          890,
          "keyed",
          "Visa credit x9172",
          "Texas credit union",
          "TX",
          "AVS N CVV M",
          "00 approved",
          "first use here",
          "",
          "Furnace install unit 209"
        ],
        [
          "2026-10-03T07:05:53Z",
          "py_ji71a16sio",
          "declined sale",
          890,
          "keyed",
          "Discover prepaid x9022",
          "Discover",
          "CO",
          "AVS Z CVV M",
          "05 do not honor",
          "first use here",
          "",
          "Condenser replacement unit 211"
        ],
        [
          "2026-10-03T07:07:38Z",
          "py_zxslweuj44",
          "declined sale",
          534,
          "keyed",
          "Discover prepaid x9022",
          "Discover",
          "CO",
          "AVS Z CVV M",
          "05 do not honor",
          "first use here",
          "",
          "Condenser replacement unit 211 (deposit)"
        ],
        [
          "2026-10-03T07:17:30Z",
          "py_zvmlsbi4xy",
          "declined sale",
          2390,
          "keyed",
          "Mastercard credit x2628",
          "US national bank",
          "CA",
          "AVS N CVV M",
          "51 insufficient funds",
          "first use here",
          "",
          "Condenser replacement unit 220"
        ],
        [
          "2026-10-03T07:18:43Z",
          "py_pq39mx0c7p",
          "sale",
          1195,
          "keyed",
          "Mastercard credit x2628",
          "US national bank",
          "CA",
          "AVS N CVV M",
          "00 approved",
          "first use here",
          "",
          "Condenser replacement unit 220 (deposit)"
        ],
        [
          "2026-10-03T07:26:50Z",
          "py_t4dlow43pa",
          "declined sale",
          2390,
          "keyed",
          "Mastercard credit x0739",
          "US card issuer",
          "NY",
          "AVS Y CVV M",
          "51 insufficient funds",
          "first use here",
          "",
          "Condenser replacement unit 224"
        ],
        [
          "2026-10-03T07:28:24Z",
          "py_97t9x903cd",
          "sale",
          1434,
          "keyed",
          "Mastercard credit x0739",
          "US card issuer",
          "NY",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "",
          "Condenser replacement unit 224 (deposit)"
        ],
        [
          "2026-10-03T07:37:05Z",
          "py_t9tvrr4cx7",
          "sale",
          1690,
          "keyed",
          "Visa credit x6688",
          "US national bank",
          "FL",
          "AVS N CVV M",
          "00 approved",
          "first use here",
          "",
          "Mini split install unit 225"
        ],
        [
          "2026-10-03T07:44:05Z",
          "py_d0ccedrz46",
          "sale",
          1240,
          "keyed",
          "Visa credit x6688",
          "US national bank",
          "FL",
          "AVS N CVV M",
          "00 approved",
          "1 earlier sale here, first 2026-10-03",
          "",
          "AC replacement unit 226"
        ],
        [
          "2026-10-03T09:29:07Z",
          "py_ma5vnhtdcx",
          "sale",
          1460,
          "keyed",
          "Mastercard credit x3021",
          "US regional bank",
          "MD",
          "AVS N CVV M",
          "00 approved",
          "first use here",
          "",
          "Mini split install unit 235"
        ],
        [
          "2026-10-03T09:31:10Z",
          "py_w8tqt2lnvq",
          "sale",
          1240,
          "keyed",
          "Visa credit x7538",
          "US online bank",
          "PA",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "",
          "Condenser replacement unit 237"
        ],
        [
          "2026-10-03T09:34:10Z",
          "py_fiuj79eidj",
          "sale",
          890,
          "keyed",
          "Visa credit x7538",
          "US online bank",
          "PA",
          "AVS Y CVV M",
          "00 approved",
          "1 earlier sale here, first 2026-10-03",
          "",
          "Mini split install unit 238"
        ],
        [
          "2026-10-03T09:41:06Z",
          "py_gcgs648459",
          "sale",
          1240,
          "keyed",
          "Visa debit x1123",
          "US regional bank",
          "NC",
          "AVS N CVV M",
          "00 approved",
          "first use here",
          "",
          "Furnace install unit 242"
        ],
        [
          "2026-10-03T09:43:33Z",
          "py_ds74g8b7sx",
          "sale",
          1950,
          "keyed",
          "Mastercard credit x0492",
          "US national bank",
          "NC",
          "AVS Z CVV M",
          "00 approved",
          "first use here",
          "",
          "Furnace install unit 244"
        ],
        [
          "2026-10-03T09:46:57Z",
          "py_oznhnmk7t0",
          "sale",
          2480,
          "keyed",
          "Visa credit x3972",
          "Texas credit union",
          "TX",
          "AVS Z CVV M",
          "00 approved",
          "first use here",
          "",
          "Mini split install unit 250"
        ],
        [
          "2026-10-03T09:56:40Z",
          "py_b6ows3nqmr",
          "sale",
          1690,
          "keyed",
          "Mastercard credit x1005",
          "US regional bank",
          "TN",
          "AVS N CVV M",
          "00 approved",
          "first use here",
          "",
          "Condenser replacement unit 257"
        ],
        [
          "2026-10-03T10:00:30Z",
          "py_5wo8aeg6m5",
          "sale",
          2480,
          "keyed",
          "Visa credit x9853",
          "Texas credit union",
          "TX",
          "AVS Z CVV M",
          "00 approved",
          "first use here",
          "",
          "Condenser replacement unit 259"
        ],
        [
          "2026-10-03T10:06:30Z",
          "py_p99ycsp5al",
          "sale",
          1575,
          "keyed",
          "Visa credit x9853",
          "Texas credit union",
          "TX",
          "AVS Z CVV M",
          "00 approved",
          "1 earlier sale here, first 2026-10-03",
          "",
          "AC replacement unit 260"
        ],
        [
          "2026-10-04T05:43:51Z",
          "py_pxruiqeldw",
          "sale",
          1875,
          "keyed",
          "Visa credit x3489",
          "US card issuer",
          "MI",
          "AVS Z CVV M",
          "00 approved",
          "first use here",
          "",
          "Furnace install unit 263"
        ],
        [
          "2026-10-04T05:47:17Z",
          "py_qlsbd7wwli",
          "sale",
          1240,
          "keyed",
          "Visa debit x2249",
          "US credit union",
          "MD",
          "AVS Z CVV M",
          "00 approved",
          "first use here",
          "",
          "Condenser replacement unit 264"
        ],
        [
          "2026-10-04T05:53:39Z",
          "py_79hfhgimer",
          "sale",
          2480,
          "keyed",
          "Visa credit x9288",
          "Texas credit union",
          "TX",
          "AVS Z CVV M",
          "00 approved",
          "first use here",
          "",
          "Air handler replacement unit 267"
        ],
        [
          "2026-10-04T05:58:20Z",
          "py_ee9nlb57kd",
          "declined sale",
          1460,
          "keyed",
          "Visa credit x3026",
          "Texas credit union",
          "TX",
          "AVS Z CVV M",
          "05 do not honor",
          "first use here",
          "",
          "Condenser replacement unit 271"
        ],
        [
          "2026-10-04T06:06:22Z",
          "py_92ko8mnwkn",
          "sale",
          1950,
          "keyed",
          "Mastercard debit x1584",
          "US online bank",
          "CO",
          "AVS Z CVV M",
          "00 approved",
          "first use here",
          "",
          "Duct cleaning and sealing unit 277"
        ],
        [
          "2026-10-04T06:12:51Z",
          "py_6ct54di1hu",
          "sale",
          1575,
          "keyed",
          "Visa credit x8050",
          "Texas credit union",
          "TX",
          "AVS Z CVV M",
          "00 approved",
          "first use here",
          "",
          "Air handler replacement unit 283"
        ],
        [
          "2026-10-04T06:18:34Z",
          "py_oc8mjljbb1",
          "sale",
          1240,
          "keyed",
          "Discover credit x5709",
          "Discover",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "",
          "AC replacement unit 286"
        ],
        [
          "2026-10-04T06:22:37Z",
          "py_it2gv2b9v2",
          "declined sale",
          2180,
          "keyed",
          "Visa debit x3637",
          "US national bank",
          "NC",
          "AVS N CVV M",
          "59 suspected fraud",
          "first use here",
          "",
          "AC replacement unit 294"
        ],
        [
          "2026-10-04T06:28:16Z",
          "py_u2bz5dhmo7",
          "sale",
          1240,
          "keyed",
          "Visa debit x3048",
          "US national bank",
          "IL",
          "AVS Z CVV M",
          "00 approved",
          "first use here",
          "",
          "AC replacement unit 301"
        ],
        [
          "2026-10-05T06:39:33Z",
          "py_lpducxxdjm",
          "sale",
          1875,
          "keyed",
          "Visa credit x8590",
          "US credit union",
          "GA",
          "AVS Z CVV M",
          "00 approved",
          "first use here",
          "",
          "Air handler replacement unit 302"
        ],
        [
          "2026-10-05T06:46:29Z",
          "py_0uu2wtvd5l",
          "sale",
          2390,
          "keyed",
          "Visa credit x3334",
          "US card issuer",
          "CA",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "",
          "AC replacement unit 306"
        ],
        [
          "2026-10-05T06:52:21Z",
          "py_3s3kxblk0m",
          "declined sale",
          1460,
          "keyed",
          "Visa credit x3529",
          "US national bank",
          "MI",
          "AVS Y CVV M",
          "51 insufficient funds",
          "first use here",
          "",
          "Condenser replacement unit 310"
        ],
        [
          "2026-10-05T06:53:26Z",
          "py_qkg22b38cn",
          "sale",
          1095,
          "keyed",
          "Visa credit x3529",
          "US national bank",
          "MI",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "",
          "Condenser replacement unit 310 (deposit)"
        ],
        [
          "2026-10-05T06:56:43Z",
          "py_2i7t1modjo",
          "sale",
          1690,
          "keyed",
          "Visa credit x2910",
          "Texas credit union",
          "TX",
          "AVS N CVV M",
          "00 approved",
          "first use here",
          "",
          "Condenser replacement unit 317"
        ],
        [
          "2026-10-05T07:06:23Z",
          "py_3wd1f5ylgf",
          "declined sale",
          1950,
          "keyed",
          "Visa prepaid x1345",
          "US prepaid program",
          "IL",
          "AVS N CVV M",
          "05 do not honor",
          "first use here",
          "",
          "Furnace install unit 324"
        ],
        [
          "2026-10-05T07:07:58Z",
          "py_egtw7w4ria",
          "sale",
          975,
          "keyed",
          "Visa prepaid x1345",
          "US prepaid program",
          "IL",
          "AVS N CVV M",
          "00 approved",
          "first use here",
          "",
          "Furnace install unit 324 (deposit)"
        ],
        [
          "2026-10-05T07:15:44Z",
          "py_mhszijzy0i",
          "sale",
          1240,
          "keyed",
          "Visa credit x8142",
          "US national bank",
          "IL",
          "AVS N CVV M",
          "00 approved",
          "first use here",
          "",
          "AC replacement unit 330"
        ],
        [
          "2026-10-05T07:20:44Z",
          "py_rm29rraxta",
          "sale",
          1575,
          "keyed",
          "Visa credit x8142",
          "US national bank",
          "IL",
          "AVS N CVV M",
          "00 approved",
          "1 earlier sale here, first 2026-10-05",
          "",
          "Duct cleaning and sealing unit 331"
        ],
        [
          "2026-10-05T07:28:54Z",
          "py_aywzbjpgc0",
          "sale",
          2180,
          "keyed",
          "Visa debit x2768",
          "US regional bank",
          "IL",
          "AVS N CVV M",
          "00 approved",
          "first use here",
          "",
          "Furnace install unit 333"
        ],
        [
          "2026-10-05T07:37:21Z",
          "py_93v5pecfak",
          "declined sale",
          1240,
          "keyed",
          "Visa credit x4915",
          "Texas credit union",
          "TX",
          "AVS N CVV M",
          "51 insufficient funds",
          "first use here",
          "",
          "Duct cleaning and sealing unit 337"
        ],
        [
          "2026-10-05T07:39:10Z",
          "py_c43gzolwio",
          "sale",
          620,
          "keyed",
          "Visa credit x4915",
          "Texas credit union",
          "TX",
          "AVS N CVV M",
          "00 approved",
          "first use here",
          "",
          "Duct cleaning and sealing unit 337 (deposit)"
        ],
        [
          "2026-10-05T08:57:37Z",
          "py_d2dxrguhsn",
          "sale",
          1460,
          "keyed",
          "Amex prepaid x7929",
          "American Express",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "",
          "Mini split install unit 344"
        ],
        [
          "2026-10-05T08:59:57Z",
          "py_a7wvhr2eke",
          "sale",
          1240,
          "keyed",
          "Mastercard credit x4843",
          "US regional bank",
          "NY",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "",
          "AC replacement unit 347"
        ],
        [
          "2026-10-05T09:07:43Z",
          "py_zc9840fr0h",
          "declined sale",
          1950,
          "keyed",
          "Visa credit x5657",
          "US online bank",
          "MI",
          "AVS A CVV M",
          "51 insufficient funds",
          "first use here",
          "",
          "AC replacement unit 350"
        ],
        [
          "2026-10-05T09:14:02Z",
          "py_wy6pdjxsyr",
          "sale",
          2480,
          "keyed",
          "Mastercard credit x9776",
          "US online bank",
          "NJ",
          "AVS A CVV M",
          "00 approved",
          "first use here",
          "",
          "Furnace install unit 359"
        ],
        [
          "2026-10-05T09:23:53Z",
          "py_yae26nn7fl",
          "sale",
          1575,
          "keyed",
          "Visa credit x1149",
          "US regional bank",
          "NJ",
          "AVS Z CVV M",
          "00 approved",
          "first use here",
          "",
          "Furnace install unit 361"
        ],
        [
          "2026-10-05T09:29:53Z",
          "py_zorz7f81gk",
          "sale",
          1240,
          "keyed",
          "Visa credit x1149",
          "US regional bank",
          "NJ",
          "AVS Z CVV M",
          "00 approved",
          "1 earlier sale here, first 2026-10-05",
          "",
          "Condenser replacement unit 362"
        ],
        [
          "2026-10-05T09:38:53Z",
          "py_s5batgsmp6",
          "declined sale",
          1460,
          "keyed",
          "Mastercard credit x8316",
          "US online bank",
          "TX",
          "AVS Z CVV M",
          "59 suspected fraud",
          "first use here",
          "",
          "Air handler replacement unit 368"
        ],
        [
          "2026-10-06T05:55:54Z",
          "py_wmj5yyjqe8",
          "sale",
          2390,
          "keyed",
          "Mastercard credit x3440",
          "Canadian bank, CA",
          "",
          "AVS U CVV M",
          "00 approved",
          "first use here",
          "",
          "Mini split install unit 373"
        ],
        [
          "2026-10-06T06:05:20Z",
          "py_q35kt17bpq",
          "sale",
          1460,
          "keyed",
          "Visa credit x7400",
          "US credit union",
          "TN",
          "AVS N CVV M",
          "00 approved",
          "first use here",
          "",
          "Air handler replacement unit 381"
        ],
        [
          "2026-10-06T06:08:40Z",
          "py_x6suzu935w",
          "sale",
          890,
          "keyed",
          "Mastercard prepaid x4134",
          "US prepaid program",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "",
          "Condenser replacement unit 388"
        ],
        [
          "2026-10-06T06:13:08Z",
          "py_2u0ynyflk4",
          "declined sale",
          2180,
          "keyed",
          "Amex credit x9587",
          "American Express",
          "WA",
          "AVS N CVV N",
          "N7 CVV mismatch",
          "first use here",
          "",
          "Air handler replacement unit 390"
        ],
        [
          "2026-10-06T06:20:32Z",
          "py_tu74slhpt6",
          "declined sale",
          1875,
          "keyed",
          "Visa credit x1679",
          "Texas credit union",
          "TX",
          "AVS N CVV M",
          "51 insufficient funds",
          "first use here",
          "",
          "Mini split install unit 399"
        ],
        [
          "2026-10-06T06:22:11Z",
          "py_r9kd3jd8du",
          "declined sale",
          1406,
          "keyed",
          "Visa credit x1679",
          "Texas credit union",
          "TX",
          "AVS N CVV M",
          "05 do not honor",
          "first use here",
          "",
          "Mini split install unit 399 (deposit)"
        ],
        [
          "2026-10-06T06:27:43Z",
          "py_yoyl9nxwow",
          "sale",
          2390,
          "keyed",
          "Visa credit x1941",
          "US national bank",
          "TX",
          "AVS N CVV M",
          "00 approved",
          "first use here",
          "",
          "Condenser replacement unit 405"
        ],
        [
          "2026-10-06T06:35:30Z",
          "py_ooalj9vk5c",
          "declined sale",
          890,
          "keyed",
          "Visa credit x4281",
          "Texas credit union",
          "TX",
          "AVS Z CVV N",
          "N7 CVV mismatch",
          "first use here",
          "",
          "Mini split install unit 409"
        ],
        [
          "2026-10-06T09:18:45Z",
          "py_2e58x06ext",
          "sale",
          2240,
          "keyed",
          "Visa credit x1051",
          "Texas credit union",
          "TX",
          "AVS Z CVV M",
          "00 approved",
          "first use here",
          "",
          "Duct cleaning and sealing unit 412"
        ],
        [
          "2026-10-06T09:26:52Z",
          "py_ixwmy06jrp",
          "declined sale",
          2390,
          "keyed",
          "Mastercard prepaid x8421",
          "US prepaid program",
          "TN",
          "AVS N CVV M",
          "05 do not honor",
          "first use here",
          "",
          "Condenser replacement unit 416"
        ],
        [
          "2026-10-06T09:29:16Z",
          "py_pcxqrhk4y8",
          "sale",
          2480,
          "keyed",
          "Visa credit x5853",
          "US card issuer",
          "MD",
          "AVS Z CVV M",
          "00 approved",
          "first use here",
          "",
          "Air handler replacement unit 423"
        ],
        [
          "2026-10-06T09:35:57Z",
          "py_opwt6ov8it",
          "sale",
          1240,
          "keyed",
          "Mastercard prepaid x4947",
          "US prepaid program",
          "PA",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "",
          "Furnace install unit 431"
        ],
        [
          "2026-10-06T09:39:30Z",
          "py_mcnir4rg1v",
          "sale",
          1950,
          "keyed",
          "Amex credit x6152",
          "American Express",
          "CO",
          "AVS Z CVV M",
          "00 approved",
          "first use here",
          "",
          "Air handler replacement unit 438"
        ]
      ]
    },
    "disputes_and_fraud_reports": {
      "columns": [
        "received",
        "kind",
        "sale_id",
        "sale_ts",
        "amount_usd",
        "card",
        "entry",
        "reason",
        "status"
      ],
      "rows": [
        [
          "2026-10-03",
          "fraud report",
          "py_08n4cv5jja",
          "2026-10-02T06:07:40Z",
          2180,
          "Visa credit x4540",
          "keyed",
          "Visa TC40 fraud report: card not present, cardholder denies",
          "Reported by issuer; no money moved"
        ],
        [
          "2026-10-03",
          "fraud report",
          "py_t5ua6rma30",
          "2026-10-02T06:16:09Z",
          2180,
          "Mastercard prepaid x5048",
          "keyed",
          "Mastercard issuer fraud report: card not present, cardholder denies",
          "Reported by issuer; no money moved"
        ],
        [
          "2026-10-04",
          "fraud report",
          "py_gkptz1dofw",
          "2026-10-02T06:24:41Z",
          1240,
          "Visa credit x3170",
          "keyed",
          "Visa TC40 fraud report: card not present, cardholder denies",
          "Reported by issuer; no money moved"
        ],
        [
          "2026-10-04",
          "fraud report",
          "py_ctzodz0ifl",
          "2026-10-02T06:34:31Z",
          890,
          "Visa credit x9274",
          "keyed",
          "Visa TC40 fraud report: card not present, cardholder denies",
          "Reported by issuer; no money moved"
        ],
        [
          "2026-10-04",
          "fraud report",
          "py_23482ck2nx",
          "2026-10-02T06:44:31Z",
          1090,
          "Mastercard credit x3213",
          "keyed",
          "Mastercard issuer fraud report: card not present, cardholder denies",
          "Reported by issuer; no money moved"
        ],
        [
          "2026-10-05",
          "chargeback",
          "py_08n4cv5jja",
          "2026-10-02T06:07:40Z",
          2180,
          "Visa credit x4540",
          "keyed",
          "Visa 10.4 Other fraud: card-absent environment",
          "Debited from merchant balance; no response from merchant yet"
        ],
        [
          "2026-10-05",
          "fraud report",
          "py_9f27ybb7nw",
          "2026-10-02T06:48:43Z",
          1950,
          "Visa credit x5466",
          "keyed",
          "Visa TC40 fraud report: card not present, cardholder denies",
          "Reported by issuer; no money moved"
        ],
        [
          "2026-10-05",
          "fraud report",
          "py_g95eifrzbs",
          "2026-10-02T08:52:57Z",
          2390,
          "Mastercard debit x0647",
          "keyed",
          "Mastercard issuer fraud report: card not present, cardholder denies",
          "Reported by issuer; no money moved"
        ],
        [
          "2026-10-05",
          "fraud report",
          "py_ri4azbb78a",
          "2026-10-02T09:00:18Z",
          1690,
          "Mastercard credit x5366",
          "keyed",
          "Mastercard issuer fraud report: card not present, cardholder denies",
          "Reported by issuer; no money moved"
        ],
        [
          "2026-10-06",
          "chargeback",
          "py_t5ua6rma30",
          "2026-10-02T06:16:09Z",
          2180,
          "Mastercard prepaid x5048",
          "keyed",
          "Mastercard 4837 No cardholder authorization",
          "Debited from merchant balance; no response from merchant yet"
        ],
        [
          "2026-10-06",
          "chargeback",
          "py_gkptz1dofw",
          "2026-10-02T06:24:41Z",
          1240,
          "Visa credit x3170",
          "keyed",
          "Visa 10.4 Other fraud: card-absent environment",
          "Debited from merchant balance; no response from merchant yet"
        ],
        [
          "2026-10-06",
          "fraud report",
          "py_zn3h4ye5bo",
          "2026-10-02T09:02:31Z",
          1460,
          "Visa credit x0009",
          "keyed",
          "Visa TC40 fraud report: card not present, cardholder denies",
          "Reported by issuer; no money moved"
        ],
        [
          "2026-10-06",
          "fraud report",
          "py_kvmj38hfuz",
          "2026-10-02T09:06:33Z",
          2180,
          "Mastercard credit x6820",
          "keyed",
          "Mastercard issuer fraud report: card not present, cardholder denies",
          "Reported by issuer; no money moved"
        ],
        [
          "2026-10-06",
          "fraud report",
          "py_s8myb2oq7f",
          "2026-10-03T06:23:12Z",
          2240,
          "Amex prepaid x4198",
          "keyed",
          "Amex issuer fraud report: card not present, cardholder denies",
          "Reported by issuer; no money moved"
        ],
        [
          "2026-10-07",
          "chargeback",
          "py_ctzodz0ifl",
          "2026-10-02T06:34:31Z",
          890,
          "Visa credit x9274",
          "keyed",
          "Visa 10.4 Other fraud: card-absent environment",
          "Debited from merchant balance; no response from merchant yet"
        ]
      ]
    },
    "dashboard_activity_90_days": {
      "columns": [
        "ts",
        "user",
        "event",
        "device",
        "ip_location"
      ],
      "rows": [
        [
          "2026-07-10T02:12:27Z",
          "Travis Kessler (owner)",
          "Login",
          "iPhone 13, our app (dev_7f3a91)",
          "Mesa AZ, residential ISP"
        ],
        [
          "2026-07-23T03:06:19Z",
          "Travis Kessler (owner)",
          "Login",
          "iPhone 13, our app (dev_7f3a91)",
          "Mesa AZ, residential ISP"
        ],
        [
          "2026-08-05T01:36:28Z",
          "Travis Kessler (owner)",
          "Login",
          "iPhone 13, our app (dev_7f3a91)",
          "Mesa AZ, residential ISP"
        ],
        [
          "2026-08-20T04:00:43Z",
          "Travis Kessler (owner)",
          "Login",
          "iPhone 13, our app (dev_7f3a91)",
          "Mesa AZ, residential ISP"
        ],
        [
          "2026-09-03T02:24:40Z",
          "Travis Kessler (owner)",
          "Login",
          "iPhone 13, our app (dev_7f3a91)",
          "Mesa AZ, residential ISP"
        ],
        [
          "2026-09-13T03:18:59Z",
          "Travis Kessler (owner)",
          "Login",
          "iPhone 13, our app (dev_7f3a91)",
          "Mesa AZ, residential ISP"
        ],
        [
          "2026-09-19T17:05:31Z",
          "Travis Kessler (owner)",
          "Support chat: asked to raise monthly limit to $60,000 for a commercial contract",
          "iPhone 13, our app (dev_7f3a91)",
          "Mesa AZ, residential ISP"
        ],
        [
          "2026-09-22T16:12:08Z",
          "Travis Kessler (owner)",
          "Uploaded document: service contract (PDF, 2 pages)",
          "iPhone 13, our app (dev_7f3a91)",
          "Mesa AZ, residential ISP"
        ],
        [
          "2026-09-29T15:42:10Z",
          "Travis Kessler (owner)",
          "Payout bank account changed",
          "iPhone 13, our app (dev_7f3a91)",
          "Mesa AZ, residential ISP"
        ],
        [
          "2026-09-30T02:18:44Z",
          "Travis Kessler (owner)",
          "Instant payouts on; automatic payouts off",
          "iPhone 13, our app (dev_7f3a91)",
          "Mesa AZ, residential ISP"
        ],
        [
          "2026-10-02T05:40:02Z",
          "Travis Kessler (owner)",
          "Web login; two-factor approved on dev_7f3a91; virtual terminal used",
          "Windows laptop, Chrome (dev_c20e44, first seen)",
          "Phoenix AZ, commercial VPN service"
        ],
        [
          "2026-10-02T08:31:17Z",
          "Travis Kessler (owner)",
          "Web login; virtual terminal used",
          "Windows laptop, Chrome (dev_c20e44)",
          "Phoenix AZ, commercial VPN service"
        ],
        [
          "2026-10-03T06:08:40Z",
          "Travis Kessler (owner)",
          "Web login; virtual terminal used",
          "Windows laptop, Chrome (dev_c20e44)",
          "Phoenix AZ, commercial VPN service"
        ],
        [
          "2026-10-03T09:21:55Z",
          "Travis Kessler (owner)",
          "Web login; virtual terminal used",
          "Windows laptop, Chrome (dev_c20e44)",
          "Phoenix AZ, commercial VPN service"
        ],
        [
          "2026-10-04T05:30:12Z",
          "Travis Kessler (owner)",
          "Web login; virtual terminal used",
          "Windows laptop, Chrome (dev_c20e44)",
          "Phoenix AZ, commercial VPN service"
        ],
        [
          "2026-10-05T06:22:47Z",
          "Travis Kessler (owner)",
          "Web login; virtual terminal used",
          "Windows laptop, Chrome (dev_c20e44)",
          "Phoenix AZ, commercial VPN service"
        ],
        [
          "2026-10-05T08:44:03Z",
          "Travis Kessler (owner)",
          "Web login; virtual terminal used",
          "Windows laptop, Chrome (dev_c20e44)",
          "Phoenix AZ, commercial VPN service"
        ],
        [
          "2026-10-06T05:41:29Z",
          "Travis Kessler (owner)",
          "Web login; virtual terminal used",
          "Windows laptop, Chrome (dev_c20e44)",
          "Phoenix AZ, commercial VPN service"
        ],
        [
          "2026-10-06T09:05:10Z",
          "Travis Kessler (owner)",
          "Web login; virtual terminal used",
          "Windows laptop, Chrome (dev_c20e44)",
          "Phoenix AZ, commercial VPN service"
        ],
        [
          "2026-10-07T14:41:06Z",
          "Travis Kessler (owner)",
          "Instant payout of $15,000.00 refused (paused by risk review)",
          "iPhone 13, our app (dev_7f3a91)",
          "Mesa AZ, residential ISP"
        ],
        [
          "2026-10-02T14:54:36Z",
          "Travis Kessler (owner)",
          "Instant payout requested",
          "iPhone 13, our app (dev_7f3a91)",
          "Mesa AZ, residential ISP"
        ],
        [
          "2026-10-03T15:09:16Z",
          "Travis Kessler (owner)",
          "Instant payout requested",
          "iPhone 13, our app (dev_7f3a91)",
          "Mesa AZ, residential ISP"
        ],
        [
          "2026-10-04T16:30:19Z",
          "Travis Kessler (owner)",
          "Instant payout requested",
          "iPhone 13, our app (dev_7f3a91)",
          "Mesa AZ, residential ISP"
        ],
        [
          "2026-10-05T15:42:54Z",
          "Travis Kessler (owner)",
          "Instant payout requested",
          "iPhone 13, our app (dev_7f3a91)",
          "Mesa AZ, residential ISP"
        ],
        [
          "2026-10-06T14:51:55Z",
          "Travis Kessler (owner)",
          "Instant payout requested",
          "iPhone 13, our app (dev_7f3a91)",
          "Mesa AZ, residential ISP"
        ]
      ]
    },
    "linked_accounts": {
      "devices": "dev_7f3a91 (the owner's iPhone, used for every app login since onboarding) also logged in to the dashboard of Copperline Mobile Detailing LLC (Tucson, AZ) from 2026-03-11 to 2026-08-12. Copperline was terminated on 2026-08-14 for keyed-card fraud (31 issuer fraud reports in 9 days) and listed on MATCH; its owner of record is a different person.",
      "bank_accounts": "Checking x0472 is not on file for any other merchant",
      "people_and_addresses": "No other merchant shares the owner's name, SSN, phone, email or home address",
      "cards": "4 of this merchant's keyed cards were declined at two other merchants on our platform in the last 10 days; both are under review for keyed sales"
    },
    "website_and_business_checks": {
      "checked": "2026-10-07",
      "website": "One-page site on a website builder; domain registered 2026-04-28; stock photos; phone number matches; no license number shown",
      "contractor_license": "The Arizona contractor license number given at onboarding is not found in the state's public license lookup, and no license is found under the business or owner name",
      "online_presence": "No map listing or customer reviews found",
      "business_address": "Mailbox store, as at onboarding"
    },
    "earlier_reviews": [
      {
        "date": "2026-05-28",
        "type": "Onboarding underwriting",
        "result": "Approved, standard tier, $25,000 monthly limit"
      },
      {
        "date": "2026-09-22",
        "type": "Limit increase request",
        "result": "Raised to $40,000 a month on the uploaded contract"
      }
    ],
    "merchant_contacts": [
      {
        "ts": "2026-09-19T17:05:31Z",
        "channel": "Support chat",
        "summary": "Owner asked for a $60,000 monthly limit: 'We just signed a commercial maintenance contract with a property management company, 40+ units, and need to run the deposits.'"
      },
      {
        "ts": "2026-10-06T17:30:00Z",
        "channel": "Phone call from our risk analyst to the phone on file",
        "summary": "Owner said the keyed sales are replacements for the property management company's units 'in several states' using subcontracted installers, and that tenants and unit owners pay him directly by phone, which is why the cards are from many states. He could not name the subcontractors. He keys the sales late at night because 'that's when I do my paperwork'. He promised invoices."
      },
      {
        "ts": "2026-10-07T03:12:00Z",
        "channel": "Email from the merchant",
        "summary": "Three invoices attached (word-processor template, no license number). Service addresses are in Houston TX, Atlanta GA and Orlando FL; the amounts match three keyed sales, but the customer names on them differ from the names typed with those sales."
      }
    ],
    "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_8NC4W2",
      "raised": "2026-10-07T14:20:00Z",
      "rules_fired": [
        "Volume: $96,245.00 of keyed sales in 6 days; October to date is 241% of the $40,000 monthly limit",
        "Entry mode: keyed sales are 100% of the last 7 days' volume; declared 0%",
        "Issuer fraud reports: 11 in 5 days",
        "Chargebacks: 4 fraud chargebacks in 3 days",
        "Payout account changed 2 days before the volume spike; instant payouts turned on the next day",
        "Device link to a terminated merchant listed on MATCH"
      ],
      "our_merchant_risk_score": "94 (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"
      }
    }
  }
}