{
  "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_2TG7M4PB",
      "legal_name": "Hollis Family Farm LLC",
      "dba": "Hollis Farm Pumpkin Patch & Corn Maze",
      "entity": "Ohio LLC, two members",
      "formed": "2011-03-02 (Ohio Secretary of State: active)",
      "ein": "xx-xxx8810 (IRS TIN match: name and EIN match)",
      "business_address": "4470 Corwin Rd, Waynesville, OH 45068 (the farm)",
      "address_check": "Agricultural property; matches county records for the owners",
      "phone": "(513) 555-0164 (landline)",
      "email": "tickets@hollisfarm.example",
      "website": "hollisfarm.example",
      "mcc": "7999 Recreation services",
      "declared_business": "Family farm: fall pumpkin patch, corn maze and hayrides (mid-September to November 1), farm market, spring strawberry picking (May and June), Christmas wreaths in December. School field trips and parties invoiced in advance.",
      "onboarded": "2023-08-14",
      "account_status": "Active"
    },
    "owners": [
      {
        "name": "Ruth A. Hollis",
        "role": "Member, manager",
        "ownership_pct": 50,
        "home": "Waynesville, OH",
        "id_check": "Ohio driver license verified (2023-08-14)",
        "ssn_check": "Match; credit file since 1987",
        "sanctions_and_pep": "No match",
        "other_merchants_on_platform": "None"
      },
      {
        "name": "Daniel J. Hollis",
        "role": "Member",
        "ownership_pct": 50,
        "home": "Waynesville, OH",
        "id_check": "Ohio driver license verified (2023-08-14)",
        "ssn_check": "Match; credit file since 1992",
        "sanctions_and_pep": "No match",
        "other_merchants_on_platform": "None"
      }
    ],
    "underwriting": {
      "risk_tier": "Standard (seasonal)",
      "declared_monthly_volume_usd": "Seasonal: about $35,000 in a typical month; $250,000 to $300,000 in October",
      "declared_average_ticket_usd": 38,
      "declared_max_ticket_usd": 6000,
      "declared_channels": "85% card readers at the gate and farm market, 15% invoices and online bookings",
      "declared_customers": "Families from the Cincinnati and Dayton areas; schools and companies for group visits",
      "refund_policy": "Tickets refunded if the farm closes for weather; otherwise no refunds",
      "fulfillment": "Same day at the gate; online tickets and group visits are for a chosen date in the season",
      "processing_limits": "Monthly $350,000, single sale $10,000; soft limits that raise a review",
      "reserve": "None",
      "notes": "Seasonal volume reviewed and accepted at onboarding; limits set for the October peak."
    },
    "payout_account": {
      "current": "Business checking x5583 at a different bank (verified 2026-09-16 by instant account verification; account holder HOLLIS FAMILY FARM LLC matches)",
      "previous": "Business checking x2207, Ohio community bank (2023-08-14 to 2026-09-16)",
      "changes": [
        {
          "ts": "2026-09-16T13:22:51Z",
          "change": "Bank account changed from x2207 to x5583",
          "how": "Ruth Hollis's usual MacBook, Chrome, Waynesville OH fixed-wireless ISP; texted code to the phone on file entered"
        }
      ]
    },
    "balance": {
      "as_of": "2026-10-06T13:50:00Z",
      "available_usd": 706.2,
      "next_payout": "2026-10-07, automatic",
      "online_tickets_for_future_dates_usd": 14039,
      "invoiced_group_visits_for_future_dates_usd": 31977,
      "undelivered_sales_for_future_dates_usd": 46016
    },
    "payouts_30_days": {
      "columns": [
        "ts",
        "type",
        "amount_usd",
        "instant_fee_usd",
        "destination",
        "status"
      ],
      "rows": [
        [
          "2026-09-08T10:00:00Z",
          "standard",
          10986.8,
          0,
          "x2207 community bank",
          "paid"
        ],
        [
          "2026-09-09T10:00:00Z",
          "standard",
          2491.33,
          0,
          "x2207 community bank",
          "paid"
        ],
        [
          "2026-09-10T10:00:00Z",
          "standard",
          1933.76,
          0,
          "x2207 community bank",
          "paid"
        ],
        [
          "2026-09-11T10:00:00Z",
          "standard",
          5494.24,
          0,
          "x2207 community bank",
          "paid"
        ],
        [
          "2026-09-14T10:00:00Z",
          "standard",
          29270.14,
          0,
          "x2207 community bank",
          "paid"
        ],
        [
          "2026-09-15T10:00:00Z",
          "standard",
          5782.19,
          0,
          "x2207 community bank",
          "paid"
        ],
        [
          "2026-09-16T10:00:00Z",
          "standard",
          5275.87,
          0,
          "x2207 community bank",
          "paid"
        ],
        [
          "2026-09-17T10:00:00Z",
          "standard",
          7667.02,
          0,
          "x5583 business checking",
          "paid"
        ],
        [
          "2026-09-18T10:00:00Z",
          "standard",
          5553.61,
          0,
          "x5583 business checking",
          "paid"
        ],
        [
          "2026-09-21T10:00:00Z",
          "standard",
          34594.98,
          0,
          "x5583 business checking",
          "paid"
        ],
        [
          "2026-09-22T10:00:00Z",
          "standard",
          3862.7,
          0,
          "x5583 business checking",
          "paid"
        ],
        [
          "2026-09-23T10:00:00Z",
          "standard",
          4095.95,
          0,
          "x5583 business checking",
          "paid"
        ],
        [
          "2026-09-24T10:00:00Z",
          "standard",
          3849.64,
          0,
          "x5583 business checking",
          "paid"
        ],
        [
          "2026-09-25T10:00:00Z",
          "standard",
          10466.33,
          0,
          "x5583 business checking",
          "paid"
        ],
        [
          "2026-09-28T10:00:00Z",
          "standard",
          37922.56,
          0,
          "x5583 business checking",
          "paid"
        ],
        [
          "2026-09-29T10:00:00Z",
          "standard",
          2355.68,
          0,
          "x5583 business checking",
          "paid"
        ],
        [
          "2026-09-30T10:00:00Z",
          "standard",
          4548.12,
          0,
          "x5583 business checking",
          "paid"
        ],
        [
          "2026-10-01T10:00:00Z",
          "standard",
          5318.45,
          0,
          "x5583 business checking",
          "paid"
        ],
        [
          "2026-10-02T10:00:00Z",
          "standard",
          6289.62,
          0,
          "x5583 business checking",
          "paid"
        ],
        [
          "2026-10-05T10:00:00Z",
          "standard",
          44780.21,
          0,
          "x5583 business checking",
          "paid"
        ],
        [
          "2026-10-06T10:00:00Z",
          "standard",
          4065.73,
          0,
          "x5583 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",
          6932,
          247851.04,
          35.75,
          93.2,
          0,
          6.8,
          0,
          0,
          0,
          0
        ],
        [
          "2025-11",
          645,
          22127.73,
          34.31,
          100,
          0,
          0,
          0,
          0,
          2,
          0
        ],
        [
          "2025-12",
          211,
          10695,
          50.69,
          100,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-01",
          22,
          188,
          8.55,
          100,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-02",
          10,
          82,
          8.2,
          100,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-03",
          10,
          73,
          7.3,
          100,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-04",
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-05",
          1742,
          51863.5,
          29.77,
          100,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-06",
          1027,
          30635,
          29.83,
          100,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-07",
          258,
          3851.39,
          14.93,
          100,
          0,
          0,
          0,
          0,
          1,
          0
        ],
        [
          "2026-08",
          322,
          15169.63,
          47.11,
          28.6,
          0,
          71.4,
          0,
          0,
          0,
          0
        ],
        [
          "2026-09",
          3808,
          198071.95,
          52.01,
          41.8,
          0,
          58.2,
          5372.43,
          2.7,
          0,
          0
        ],
        [
          "2026-10 (to Oct 5)",
          1326,
          57131.93,
          43.09,
          58.9,
          0,
          41.1,
          0,
          0,
          2,
          1
        ]
      ]
    },
    "season_history": "October gross: 2023 $171,480; 2024 $226,915; 2025 in the monthly table. Each season raised a volume alert that was cleared.",
    "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": [
        [
          "2026-08-07",
          "Fri",
          13,
          183.9,
          183.9,
          0,
          0,
          0,
          0,
          13,
          0
        ],
        [
          "2026-08-08",
          "Sat",
          17,
          312.79,
          312.79,
          0,
          0,
          0,
          0,
          17,
          0
        ],
        [
          "2026-08-09",
          "Sun",
          28,
          443.08,
          443.08,
          0,
          0,
          0,
          0,
          28,
          1
        ],
        [
          "2026-08-10",
          "Mon",
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-08-11",
          "Tue",
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-08-12",
          "Wed",
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-08-13",
          "Thu",
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-08-14",
          "Fri",
          13,
          195.01,
          195.01,
          0,
          0,
          0,
          0,
          13,
          0
        ],
        [
          "2026-08-15",
          "Sat",
          28,
          438.72,
          438.72,
          0,
          0,
          0,
          0,
          28,
          0
        ],
        [
          "2026-08-16",
          "Sun",
          21,
          286.26,
          286.26,
          0,
          0,
          0,
          0,
          21,
          0
        ],
        [
          "2026-08-17",
          "Mon",
          1,
          786,
          0,
          0,
          786,
          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,
          0,
          0,
          0,
          0
        ],
        [
          "2026-08-20",
          "Thu",
          5,
          320,
          0,
          0,
          320,
          0,
          0,
          5,
          0
        ],
        [
          "2026-08-21",
          "Fri",
          11,
          2568.3,
          101.3,
          0,
          2467,
          0,
          0,
          11,
          0
        ],
        [
          "2026-08-22",
          "Sat",
          19,
          1466.16,
          251.16,
          0,
          1215,
          0,
          0,
          19,
          0
        ],
        [
          "2026-08-23",
          "Sun",
          28,
          2282.38,
          356.38,
          0,
          1926,
          0,
          0,
          28,
          0
        ],
        [
          "2026-08-24",
          "Mon",
          2,
          80,
          0,
          0,
          80,
          0,
          0,
          2,
          0
        ],
        [
          "2026-08-25",
          "Tue",
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0,
          0
        ],
        [
          "2026-08-26",
          "Wed",
          4,
          208,
          0,
          0,
          208,
          0,
          1,
          4,
          0
        ],
        [
          "2026-08-27",
          "Thu",
          3,
          562,
          0,
          0,
          562,
          0,
          0,
          3,
          0
        ],
        [
          "2026-08-28",
          "Fri",
          15,
          1255.78,
          177.78,
          0,
          1078,
          0,
          1,
          15,
          0
        ],
        [
          "2026-08-29",
          "Sat",
          25,
          1695.51,
          353.51,
          0,
          1342,
          0,
          0,
          25,
          0
        ],
        [
          "2026-08-30",
          "Sun",
          34,
          611.7,
          483.7,
          0,
          128,
          0,
          0,
          34,
          0
        ],
        [
          "2026-08-31",
          "Mon",
          6,
          721,
          0,
          0,
          721,
          0,
          0,
          6,
          1
        ],
        [
          "2026-09-01",
          "Tue",
          7,
          1660,
          0,
          0,
          1660,
          0,
          1,
          7,
          0
        ],
        [
          "2026-09-02",
          "Wed",
          12,
          1273,
          0,
          0,
          1273,
          0,
          0,
          12,
          0
        ],
        [
          "2026-09-03",
          "Thu",
          15,
          2206,
          0,
          0,
          2206,
          0,
          0,
          15,
          0
        ],
        [
          "2026-09-04",
          "Fri",
          49,
          2688.71,
          339.71,
          0,
          2349,
          0,
          3,
          49,
          1
        ],
        [
          "2026-09-05",
          "Sat",
          51,
          2760.87,
          474.87,
          0,
          2286,
          0,
          0,
          50,
          0
        ],
        [
          "2026-09-06",
          "Sun",
          38,
          2516.82,
          354.82,
          0,
          2162,
          0,
          0,
          38,
          0
        ],
        [
          "2026-09-07",
          "Mon",
          30,
          3384,
          0,
          0,
          3384,
          0,
          2,
          30,
          0
        ],
        [
          "2026-09-08",
          "Tue",
          30,
          2575,
          0,
          0,
          2575,
          0,
          0,
          30,
          0
        ],
        [
          "2026-09-09",
          "Wed",
          21,
          1998,
          0,
          0,
          1998,
          0,
          0,
          21,
          0
        ],
        [
          "2026-09-10",
          "Thu",
          41,
          5671,
          0,
          0,
          5671,
          0,
          1,
          41,
          0
        ],
        [
          "2026-09-11",
          "Fri",
          71,
          3285.61,
          321.61,
          0,
          2964,
          0,
          0,
          71,
          0
        ],
        [
          "2026-09-12",
          "Sat",
          358,
          15478.47,
          11132.47,
          0,
          4346,
          0,
          7,
          358,
          1
        ],
        [
          "2026-09-13",
          "Sun",
          288,
          11448.54,
          9141.54,
          0,
          2307,
          0,
          6,
          288,
          1
        ],
        [
          "2026-09-14",
          "Mon",
          80,
          5967.45,
          1333.45,
          0,
          4634,
          0,
          1,
          80,
          1
        ],
        [
          "2026-09-15",
          "Tue",
          113,
          5454.6,
          1452.6,
          0,
          4002,
          0,
          3,
          113,
          0
        ],
        [
          "2026-09-16",
          "Wed",
          101,
          7913.5,
          1487.5,
          0,
          6426,
          0,
          3,
          101,
          2
        ],
        [
          "2026-09-17",
          "Thu",
          102,
          5740.73,
          1068.73,
          0,
          4672,
          0,
          2,
          102,
          1
        ],
        [
          "2026-09-18",
          "Fri",
          158,
          8719.01,
          3059.01,
          0,
          5660,
          0,
          2,
          158,
          0
        ],
        [
          "2026-09-19",
          "Sat",
          353,
          13865.24,
          10520.24,
          0,
          3345,
          0,
          2,
          351,
          2
        ],
        [
          "2026-09-20",
          "Sun",
          327,
          13130.92,
          8969.92,
          0,
          4161,
          0,
          7,
          326,
          2
        ],
        [
          "2026-09-21",
          "Mon",
          72,
          3991.77,
          812.77,
          0,
          3179,
          0,
          3,
          72,
          0
        ],
        [
          "2026-09-22",
          "Tue",
          101,
          4235.72,
          1405.72,
          0,
          2830,
          0,
          2,
          101,
          1
        ],
        [
          "2026-09-23",
          "Wed",
          99,
          3980.5,
          1658.5,
          0,
          2322,
          0,
          6,
          99,
          2
        ],
        [
          "2026-09-24",
          "Thu",
          112,
          10801.54,
          1279.54,
          0,
          9522,
          0,
          1,
          112,
          1
        ],
        [
          "2026-09-25",
          "Fri",
          216,
          12309.09,
          4833.09,
          0,
          7476,
          0,
          4,
          216,
          0
        ],
        [
          "2026-09-26",
          "Sat",
          457,
          21777.24,
          13686.24,
          0,
          8091,
          116.35,
          3,
          456,
          1
        ],
        [
          "2026-09-27",
          "Sun",
          206,
          8632.58,
          5238.58,
          0,
          3394,
          3349.08,
          4,
          206,
          2
        ],
        [
          "2026-09-28",
          "Mon",
          90,
          4405.9,
          1301.9,
          0,
          3104,
          1907,
          2,
          90,
          0
        ],
        [
          "2026-09-29",
          "Tue",
          102,
          4702.73,
          1423.73,
          0,
          3279,
          0,
          3,
          102,
          1
        ],
        [
          "2026-09-30",
          "Wed",
          108,
          5497.41,
          1438.41,
          0,
          4059,
          0,
          4,
          108,
          1
        ],
        [
          "2026-10-01",
          "Thu",
          140,
          6504.42,
          1725.42,
          0,
          4779,
          0,
          2,
          140,
          1
        ],
        [
          "2026-10-02",
          "Fri",
          236,
          10915.08,
          4940.08,
          0,
          5975,
          0,
          6,
          235,
          2
        ],
        [
          "2026-10-03",
          "Sat",
          432,
          16889.9,
          12972.9,
          0,
          3917,
          0,
          6,
          431,
          2
        ],
        [
          "2026-10-04",
          "Sun",
          428,
          18620.41,
          12722.41,
          0,
          5898,
          0,
          7,
          426,
          4
        ],
        [
          "2026-10-05",
          "Mon",
          90,
          4202.12,
          1307.12,
          0,
          2895,
          0,
          2,
          90,
          1
        ]
      ]
    },
    "card_mix_30_days": {
      "window": "2026-09-06 to 2026-10-05",
      "all_sales": {
        "count": 5000,
        "distinct_cards": 4914,
        "card_types": {
          "credit": "3074 (61%)",
          "debit": "1810 (36%)",
          "prepaid": "116 (2%)"
        },
        "non_us_cards": 29,
        "declined_attempts": 91
      },
      "card_not_present_sales": {
        "count": 1459,
        "gross_usd": 129027,
        "distinct_cards": 1459,
        "cards_with_more_than_one_sale": 0,
        "entry": {
          "online checkout": "1415 (97%)",
          "invoice": "44 (3%)"
        },
        "brands": {
          "Visa": "779 (53%)",
          "Mastercard": "392 (27%)",
          "Amex": "174 (12%)",
          "Discover": "114 (8%)"
        },
        "card_types": {
          "credit": "908 (62%)",
          "debit": "522 (36%)",
          "prepaid": "29 (2%)"
        },
        "issuers": {
          "US national bank": "385 (26%)",
          "US regional bank": "243 (17%)",
          "US credit union": "199 (14%)",
          "US card issuer": "190 (13%)",
          "American Express": "174 (12%)",
          "Discover": "114 (8%)",
          "US online bank": "83 (6%)",
          "US bank, commercial purchasing card": "42 (3%)",
          "US prepaid program": "29 (2%)"
        },
        "issuer_countries": {
          "US": "1447 (99%)",
          "CA": "12 (1%)"
        },
        "billing_zip_states": {
          "OH": "1447 (99%)"
        },
        "avs": {
          "Y": "1262 (86%)",
          "Z": "135 (9%)",
          "N": "50 (3%)",
          "U": "12 (1%)"
        },
        "cvv": {
          "M": "1459 (100%)"
        },
        "declined_attempts": 49
      },
      "note": "Card-not-present sales are online timed tickets (from 2026-08-20), birthday packages and invoices; most invoices are paid by schools' purchasing cards."
    },
    "transactions_250_plus_30_days": {
      "columns": [
        "ts",
        "id",
        "type",
        "amount_usd",
        "entry",
        "card",
        "issuer",
        "billing_zip_state",
        "checks",
        "response",
        "card_history",
        "customer",
        "note"
      ],
      "rows": [
        [
          "2026-09-06T13:23:21Z",
          "py_yoaht7wm2q",
          "sale",
          1023,
          "invoice",
          "Mastercard credit x4451",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Carlisle Elementary; purchasing office email",
          "Field trip 2026-10-08: 107 students"
        ],
        [
          "2026-09-06T20:05:15Z",
          "py_cuc9ub4neg",
          "sale",
          375,
          "online checkout",
          "Amex credit x4849",
          "American Express",
          "OH",
          "AVS Y CVV M 3DS not requested",
          "00 approved",
          "first use here",
          "personal email; IP Springboro OH residential",
          "Birthday party package 2026-09-19"
        ],
        [
          "2026-09-07T14:37:41Z",
          "py_67upfkgzrz",
          "sale",
          705,
          "invoice",
          "Visa credit x4578",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Oregonia Primary School; purchasing office email",
          "Field trip 2026-09-14: 69 students"
        ],
        [
          "2026-09-07T16:17:00Z",
          "py_rinj3rrv72",
          "sale",
          1017,
          "invoice",
          "Visa credit x8799",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Clearcreek Preschool; purchasing office email",
          "Field trip 2026-09-18: 101 students"
        ],
        [
          "2026-09-08T15:26:50Z",
          "py_jcoynh28a6",
          "sale",
          648,
          "invoice",
          "Visa credit x1620",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Maple Hollow Preschool; purchasing office email",
          "Field trip 2026-09-17: 68 students"
        ],
        [
          "2026-09-08T20:14:25Z",
          "py_oc7824wnqe",
          "sale",
          325,
          "online checkout",
          "Visa debit x9273",
          "US card issuer",
          "OH",
          "AVS Y CVV M 3DS not requested",
          "00 approved",
          "first use here",
          "personal email; IP Beavercreek OH residential",
          "Birthday party package 2026-09-26"
        ],
        [
          "2026-09-09T12:11:09Z",
          "py_s31xgk49fz",
          "sale",
          325,
          "online checkout",
          "Visa debit x0281",
          "US card issuer",
          "OH",
          "AVS Y CVV M 3DS not requested",
          "00 approved",
          "first use here",
          "personal email; IP Beavercreek OH residential",
          "Birthday party package 2026-09-19"
        ],
        [
          "2026-09-09T13:48:13Z",
          "py_dqu4s3pfbg",
          "sale",
          591,
          "invoice",
          "Mastercard credit x5402",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Clearcreek Christian Academy; purchasing office email",
          "Field trip 2026-09-25: 55 students"
        ],
        [
          "2026-09-10T13:57:57Z",
          "py_c570v0wxzp",
          "sale",
          1104,
          "invoice",
          "Mastercard credit x7115",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Maple Hollow Primary School; purchasing office email",
          "Field trip 2026-10-12: 116 students"
        ],
        [
          "2026-09-10T15:06:47Z",
          "py_aw5flgudzl",
          "sale",
          1150,
          "invoice",
          "Visa debit x6123",
          "US credit union",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "St. Brendan parish office",
          "320 pumpkins delivered 2026-09-19 for the parish pumpkin sale"
        ],
        [
          "2026-09-10T19:23:58Z",
          "py_abaoowd85c",
          "sale",
          1152,
          "invoice",
          "Mastercard credit x3722",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Lytle Preschool; purchasing office email",
          "Field trip 2026-10-06: 124 students"
        ],
        [
          "2026-09-12T14:02:04Z",
          "py_0oxg0gfm4g",
          "sale",
          810,
          "invoice",
          "Mastercard credit x5450",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Morrow Intermediate School; purchasing office email",
          "Field trip 2026-09-30: 82 students"
        ],
        [
          "2026-09-12T16:37:11Z",
          "py_073ll3w3xf",
          "sale",
          615,
          "invoice",
          "Mastercard credit x6773",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Shawnee Trail Primary School; purchasing office email",
          "Field trip 2026-10-14: 59 students"
        ],
        [
          "2026-09-14T13:05:31Z",
          "py_2tujdr0e9l",
          "sale",
          834,
          "invoice",
          "Visa credit x2064",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Oregonia Montessori; purchasing office email",
          "Field trip 2026-10-14: 86 students"
        ],
        [
          "2026-09-14T13:40:55Z",
          "py_fsbs0hhc3r",
          "sale",
          873,
          "invoice",
          "Mastercard credit x7480",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Carlisle Elementary; purchasing office email",
          "Field trip 2026-10-09: 89 students"
        ],
        [
          "2026-09-14T18:45:55Z",
          "py_wxtd0y6bhf",
          "sale",
          375,
          "online checkout",
          "Mastercard debit x8864",
          "US national bank",
          "OH",
          "AVS Y CVV M 3DS not requested",
          "00 approved",
          "first use here",
          "personal email; IP Dayton OH residential",
          "Birthday party package 2026-09-27"
        ],
        [
          "2026-09-14T18:55:55Z",
          "py_rhjf6kfglf",
          "sale",
          1272,
          "invoice",
          "Visa credit x1181",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Red Lion Intermediate School; purchasing office email",
          "Field trip 2026-10-14: 128 students"
        ],
        [
          "2026-09-15T12:53:06Z",
          "py_7elhw3wxq8",
          "sale",
          275,
          "online checkout",
          "Visa credit x5535",
          "US online bank",
          "OH",
          "AVS Y CVV M 3DS not requested",
          "00 approved",
          "first use here",
          "personal email; IP Middletown OH residential",
          "Birthday party package 2026-10-04"
        ],
        [
          "2026-09-15T15:08:22Z",
          "py_kpd9ha31qo",
          "sale",
          822,
          "invoice",
          "Mastercard credit x2119",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Maple Hollow Christian Academy; purchasing office email",
          "Field trip 2026-10-14: 82 students"
        ],
        [
          "2026-09-16T13:47:59Z",
          "py_mk65sjf5lh",
          "sale",
          1182,
          "invoice",
          "Mastercard credit x5904",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Spring Valley Preschool; purchasing office email",
          "Field trip 2026-10-15: 118 students"
        ],
        [
          "2026-09-16T15:31:08Z",
          "py_912t4xxb9y",
          "sale",
          927,
          "invoice",
          "Mastercard credit x2393",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Deerfield Preschool; purchasing office email",
          "Field trip 2026-10-08: 91 students"
        ],
        [
          "2026-09-16T16:32:20Z",
          "py_b4rwmyiv0p",
          "sale",
          840,
          "invoice",
          "Visa credit x5053",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Shawnee Trail Preschool; purchasing office email",
          "Field trip 2026-09-23: 84 students"
        ],
        [
          "2026-09-16T16:52:53Z",
          "py_d6srdmvx3d",
          "sale",
          1125,
          "invoice",
          "Mastercard credit x3728",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Spring Valley Intermediate School; purchasing office email",
          "Field trip 2026-09-21: 121 students"
        ],
        [
          "2026-09-17T12:00:45Z",
          "py_d7zhqgq4rh",
          "sale",
          930,
          "invoice",
          "Visa credit x2783",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Turtle Creek Elementary; purchasing office email",
          "Field trip 2026-10-12: 94 students"
        ],
        [
          "2026-09-17T16:45:11Z",
          "py_ibj2j3qub7",
          "sale",
          498,
          "invoice",
          "Visa credit x9670",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Union Village Montessori; purchasing office email",
          "Field trip 2026-10-05: 50 students"
        ],
        [
          "2026-09-18T16:40:24Z",
          "py_a8wramr3i9",
          "sale",
          1017,
          "invoice",
          "Mastercard credit x5111",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Five Points Preschool; purchasing office email",
          "Field trip 2026-09-28: 101 students"
        ],
        [
          "2026-09-19T00:56:28Z",
          "py_vk1wg8imep",
          "sale",
          450,
          "online checkout",
          "Visa debit x1713",
          "US regional bank",
          "OH",
          "AVS Y CVV M 3DS not requested",
          "00 approved",
          "first use here",
          "personal email; IP Lebanon OH residential",
          "Birthday party package 2026-10-10"
        ],
        [
          "2026-09-19T13:41:22Z",
          "py_nc1irnpkq1",
          "sale",
          398.22,
          "chip",
          "Visa credit x8113",
          "US regional bank",
          "",
          "",
          "00 approved",
          "first use here",
          "",
          "Bulk mums and pumpkins (wholesale price list)"
        ],
        [
          "2026-09-20T01:55:37Z",
          "py_82ae5utojb",
          "sale",
          325,
          "online checkout",
          "Visa debit x2366",
          "US regional bank",
          "OH",
          "AVS Y CVV M 3DS not requested",
          "00 approved",
          "first use here",
          "personal email; IP Kettering OH residential",
          "Birthday party package 2026-09-26"
        ],
        [
          "2026-09-20T16:31:11Z",
          "py_peakxlos9h",
          "sale",
          1038,
          "invoice",
          "Mastercard credit x9125",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Red Lion Elementary; purchasing office email",
          "Field trip 2026-10-13: 110 students"
        ],
        [
          "2026-09-21T18:35:12Z",
          "py_2pkxa65oks",
          "sale",
          1074,
          "invoice",
          "Mastercard credit x6331",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Clearcreek Primary School; purchasing office email",
          "Field trip 2026-10-16: 106 students"
        ],
        [
          "2026-09-22T17:02:26Z",
          "py_8d2qrtomd0",
          "sale",
          483,
          "invoice",
          "Visa credit x2675",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Spring Valley Intermediate School; purchasing office email",
          "Field trip 2026-10-05: 43 students"
        ],
        [
          "2026-09-24T14:18:22Z",
          "py_m4r6rxvzep",
          "sale",
          4800,
          "invoice",
          "Amex credit x0956",
          "American Express",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Accounts payable, a regional insurance office in Mason OH",
          "Deposit: employee family picnic 2026-10-17, 400 guests"
        ],
        [
          "2026-09-24T14:50:46Z",
          "py_9awdi24zz4",
          "sale",
          540,
          "invoice",
          "Mastercard credit x5440",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Red Lion Elementary; purchasing office email",
          "Field trip 2026-10-14: 52 students"
        ],
        [
          "2026-09-24T19:22:08Z",
          "py_1ivxfl3w3u",
          "sale",
          624,
          "invoice",
          "Visa credit x4355",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Turtle Creek Primary School; purchasing office email",
          "Field trip 2026-10-08: 64 students"
        ],
        [
          "2026-09-25T13:30:33Z",
          "py_iw22ix6bqu",
          "sale",
          486,
          "invoice",
          "Mastercard credit x9740",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Lytle Elementary; purchasing office email",
          "Field trip 2026-10-23: 42 students"
        ],
        [
          "2026-09-25T14:05:13Z",
          "py_doscflv7yc",
          "sale",
          1185,
          "invoice",
          "Mastercard credit x5301",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Harveysburg Montessori; purchasing office email",
          "Field trip 2026-10-08: 125 students"
        ],
        [
          "2026-09-25T15:43:06Z",
          "py_6uou5abgj3",
          "sale",
          903,
          "invoice",
          "Mastercard credit x4131",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Clearcreek Primary School; purchasing office email",
          "Field trip 2026-09-29: 95 students"
        ],
        [
          "2026-09-25T18:37:56Z",
          "py_6jd7hsds77",
          "sale",
          792,
          "invoice",
          "Visa credit x9139",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Maple Hollow Christian Academy; purchasing office email",
          "Field trip 2026-10-27: 76 students"
        ],
        [
          "2026-09-26T13:20:13Z",
          "py_xu6lrufyzm",
          "sale",
          1221,
          "invoice",
          "Visa credit x9154",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Deerfield Montessori; purchasing office email",
          "Field trip 2026-10-16: 125 students"
        ],
        [
          "2026-09-26T15:43:25Z",
          "py_403dnouede",
          "sale",
          350.39,
          "chip",
          "Visa credit x7164",
          "US regional bank",
          "",
          "",
          "00 approved",
          "first use here",
          "",
          "Bulk mums and pumpkins (wholesale price list)"
        ],
        [
          "2026-09-26T16:01:20Z",
          "py_2w8xcngckn",
          "sale",
          414,
          "invoice",
          "Mastercard credit x7242",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Harveysburg Primary School; purchasing office email",
          "Field trip 2026-10-15: 38 students"
        ],
        [
          "2026-09-26T17:53:03Z",
          "py_5mjq0gndzn",
          "sale",
          552,
          "invoice",
          "Mastercard credit x3770",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Clearcreek Christian Academy; purchasing office email",
          "Field trip 2026-10-15: 52 students"
        ],
        [
          "2026-09-26T18:03:28Z",
          "py_xg1c1wleb2",
          "sale",
          900,
          "invoice",
          "Visa credit x9720",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Red Lion Preschool; purchasing office email",
          "Field trip 2026-10-13: 96 students"
        ],
        [
          "2026-09-26T21:22:08Z",
          "py_ob7xvafznx",
          "refund",
          -116.35,
          "invoice",
          "Visa credit x4355",
          "US bank, commercial purchasing card",
          "OH",
          "",
          "00 approved",
          "",
          "",
          "Partial refund: fewer students attended"
        ],
        [
          "2026-09-27T16:05:13Z",
          "py_r1opfr2yuu",
          "refund",
          -293.08,
          "invoice",
          "Mastercard credit x5301",
          "US bank, commercial purchasing card",
          "OH",
          "",
          "00 approved",
          "",
          "",
          "Partial refund: fewer students attended"
        ],
        [
          "2026-09-27T17:41:00Z",
          "py_ajabydknhq",
          "refund",
          -101,
          "online checkout",
          "Visa debit x5370",
          "US regional bank",
          "OH",
          "",
          "00 approved",
          "",
          "",
          "Refund: closed at 1 pm for severe thunderstorm warning"
        ],
        [
          "2026-09-27T19:35:28Z",
          "py_5cw974mar1",
          "refund",
          -101,
          "online checkout",
          "Visa credit x7499",
          "US regional bank",
          "OH",
          "",
          "00 approved",
          "",
          "",
          "Refund: closed at 1 pm for severe thunderstorm warning"
        ],
        [
          "2026-09-27T20:21:54Z",
          "py_9gj4f6imx5",
          "refund",
          -101,
          "online checkout",
          "Visa credit x3751",
          "US national bank",
          "OH",
          "",
          "00 approved",
          "",
          "",
          "Refund: closed at 1 pm for severe thunderstorm warning"
        ],
        [
          "2026-09-28T00:55:39Z",
          "py_1s5g3s8hcf",
          "refund",
          -101,
          "online checkout",
          "Discover credit x3191",
          "Discover",
          "OH",
          "",
          "00 approved",
          "",
          "",
          "Refund: closed at 1 pm for severe thunderstorm warning"
        ],
        [
          "2026-09-28T12:02:23Z",
          "py_0jd99xq1tt",
          "sale",
          459,
          "invoice",
          "Mastercard credit x4714",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Clearcreek Intermediate School; purchasing office email",
          "Field trip 2026-10-07: 43 students"
        ],
        [
          "2026-09-28T21:22:57Z",
          "py_saazlg20s6",
          "sale",
          450,
          "online checkout",
          "Mastercard credit x5916",
          "US credit union",
          "OH",
          "AVS Y CVV M 3DS not requested",
          "00 approved",
          "first use here",
          "personal email; IP Columbus OH residential",
          "Birthday party package 2026-10-10"
        ],
        [
          "2026-09-29T16:08:51Z",
          "py_5g9sl6lujs",
          "sale",
          675,
          "invoice",
          "Mastercard credit x7910",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Oregonia Elementary; purchasing office email",
          "Field trip 2026-10-16: 63 students"
        ],
        [
          "2026-09-30T17:44:10Z",
          "py_tsp2wcam38",
          "sale",
          1146,
          "invoice",
          "Visa credit x2151",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Spring Valley Preschool; purchasing office email",
          "Field trip 2026-10-23: 122 students"
        ],
        [
          "2026-10-01T12:52:09Z",
          "py_119dkejkgr",
          "sale",
          855,
          "invoice",
          "Visa credit x5570",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Clearcreek Intermediate School; purchasing office email",
          "Field trip 2026-10-12: 87 students"
        ],
        [
          "2026-10-02T12:37:41Z",
          "py_8g1xdsahcv",
          "sale",
          1002,
          "invoice",
          "Visa credit x7277",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Lytle Montessori; purchasing office email",
          "Field trip 2026-10-27: 102 students"
        ],
        [
          "2026-10-02T17:21:44Z",
          "py_hmzq6jilts",
          "sale",
          645,
          "invoice",
          "Visa credit x3682",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Lytle Elementary; purchasing office email",
          "Field trip 2026-10-09: 65 students"
        ],
        [
          "2026-10-03T14:08:27Z",
          "py_ljmhujfjza",
          "sale",
          407.53,
          "chip",
          "Visa credit x6101",
          "US national bank",
          "",
          "",
          "00 approved",
          "first use here",
          "",
          "Bulk mums and pumpkins (wholesale price list)"
        ],
        [
          "2026-10-04T12:18:03Z",
          "py_09dpmzifh8",
          "sale",
          900,
          "invoice",
          "Mastercard credit x7453",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Deerfield Elementary; purchasing office email",
          "Field trip 2026-10-28: 92 students"
        ],
        [
          "2026-10-04T14:27:01Z",
          "py_uc39ocm0vp",
          "sale",
          288.63,
          "chip",
          "Mastercard credit x1987",
          "US regional bank",
          "",
          "",
          "00 approved",
          "first use here",
          "",
          "Bulk mums and pumpkins (wholesale price list)"
        ],
        [
          "2026-10-04T19:11:11Z",
          "py_ki7kzdw9i5",
          "sale",
          1161,
          "invoice",
          "Mastercard credit x1834",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Turtle Creek Primary School; purchasing office email",
          "Field trip 2026-10-28: 117 students"
        ],
        [
          "2026-10-05T12:41:21Z",
          "py_hvwrg9aloe",
          "sale",
          774,
          "invoice",
          "Visa credit x6280",
          "US bank, commercial purchasing card",
          "OH",
          "AVS Y CVV M",
          "00 approved",
          "first use here",
          "Clearcreek Elementary; purchasing office email",
          "Field trip 2026-10-21: 82 students"
        ]
      ]
    },
    "disputes_and_fraud_reports": {
      "columns": [
        "received",
        "kind",
        "sale_id",
        "sale_ts",
        "amount_usd",
        "card",
        "entry",
        "reason",
        "status"
      ],
      "rows": [
        [
          "2025-11-13",
          "chargeback",
          "py_kkyivf4wt7",
          "2025-10-09T15:22:28Z",
          22.77,
          "Visa debit x2523",
          "contactless",
          "Visa 13.1 Merchandise/services not received",
          "Won: entry scan and receipt provided"
        ],
        [
          "2025-11-13",
          "chargeback",
          "py_6ahpk8a60g",
          "2025-10-21T14:19:29Z",
          48,
          "Discover credit x3606",
          "chip",
          "Discover cardholder dispute: not received",
          "Won: entry scan and receipt provided"
        ],
        [
          "2026-07-08",
          "chargeback",
          "py_6mre4y8cjq",
          "2026-06-06T20:01:26Z",
          18,
          "Visa debit x4139",
          "contactless",
          "Visa 13.1 Merchandise/services not received",
          "Won: entry scan and receipt provided"
        ],
        [
          "2026-10-01",
          "fraud report",
          "py_q89ky3uwwo",
          "2026-09-20T11:34:46Z",
          64,
          "Amex credit x1406",
          "online checkout",
          "Issuer fraud report: card not present",
          "Reported by issuer; no money moved"
        ],
        [
          "2026-10-02",
          "chargeback",
          "py_x5wc3a5nku",
          "2026-09-25T19:16:39Z",
          101,
          "Visa credit x7499",
          "online checkout",
          "Visa 13.6 Credit not processed",
          "Merchant responded 2026-10-03 with the refund of 2026-09-27; reversal expected"
        ],
        [
          "2026-10-03",
          "chargeback",
          "py_q89ky3uwwo",
          "2026-09-20T11:34:46Z",
          64,
          "Amex credit x1406",
          "online checkout",
          "Mastercard 4837 No cardholder authorization",
          "Debited; merchant accepted"
        ]
      ]
    },
    "dashboard_activity_90_days": {
      "columns": [
        "ts",
        "user",
        "event",
        "device",
        "ip_location"
      ],
      "rows": [
        [
          "2026-07-13T12:12:21Z",
          "Ruth Hollis (owner)",
          "Login",
          "MacBook, Chrome (dev_a41c07)",
          "Waynesville OH, fixed-wireless ISP"
        ],
        [
          "2026-07-27T11:54:48Z",
          "Ruth Hollis (owner)",
          "Login",
          "MacBook, Chrome (dev_a41c07)",
          "Waynesville OH, fixed-wireless ISP"
        ],
        [
          "2026-08-10T12:24:07Z",
          "Ruth Hollis (owner)",
          "Login",
          "MacBook, Chrome (dev_a41c07)",
          "Waynesville OH, fixed-wireless ISP"
        ],
        [
          "2026-08-25T01:06:01Z",
          "Ruth Hollis (owner)",
          "Login",
          "MacBook, Chrome (dev_a41c07)",
          "Waynesville OH, fixed-wireless ISP"
        ],
        [
          "2026-09-14T11:36:09Z",
          "Ruth Hollis (owner)",
          "Login",
          "MacBook, Chrome (dev_a41c07)",
          "Waynesville OH, fixed-wireless ISP"
        ],
        [
          "2026-09-21T11:48:57Z",
          "Ruth Hollis (owner)",
          "Login",
          "MacBook, Chrome (dev_a41c07)",
          "Waynesville OH, fixed-wireless ISP"
        ],
        [
          "2026-09-28T12:00:01Z",
          "Ruth Hollis (owner)",
          "Login",
          "MacBook, Chrome (dev_a41c07)",
          "Waynesville OH, fixed-wireless ISP"
        ],
        [
          "2026-10-05T11:30:20Z",
          "Ruth Hollis (owner)",
          "Login",
          "MacBook, Chrome (dev_a41c07)",
          "Waynesville OH, fixed-wireless ISP"
        ],
        [
          "2026-08-19T14:10:22Z",
          "Ruth Hollis (owner)",
          "Support chat: how to embed online checkout for timed-entry tickets",
          "MacBook, Chrome (dev_a41c07)",
          "Waynesville OH, fixed-wireless ISP"
        ],
        [
          "2026-08-20T15:02:40Z",
          "Ruth Hollis (owner)",
          "Online checkout turned on for hollisfarm.example",
          "MacBook, Chrome (dev_a41c07)",
          "Waynesville OH, fixed-wireless ISP"
        ],
        [
          "2026-08-28T16:45:13Z",
          "Ruth Hollis (owner)",
          "Ordered 4 card readers, shipped to the farm address",
          "MacBook, Chrome (dev_a41c07)",
          "Waynesville OH, fixed-wireless ISP"
        ],
        [
          "2026-09-08T17:31:09Z",
          "Ruth Hollis (owner)",
          "Added user Kayla Brandt, role Staff (no payout, refund or bank access)",
          "MacBook, Chrome (dev_a41c07)",
          "Waynesville OH, fixed-wireless ISP"
        ],
        [
          "2026-09-09T12:15:44Z",
          "Kayla Brandt (staff)",
          "First login",
          "Android phone, our app (dev_e9b250, first seen)",
          "Waynesville OH, fixed-wireless ISP"
        ],
        [
          "2026-09-16T13:22:51Z",
          "Ruth Hollis (owner)",
          "Payout bank account changed",
          "MacBook, Chrome (dev_a41c07)",
          "Waynesville OH, fixed-wireless ISP"
        ],
        [
          "2026-09-24T00:40:18Z",
          "Kayla Brandt (staff)",
          "Login",
          "Android phone, our app (dev_e9b250)",
          "Lebanon OH, mobile carrier"
        ],
        [
          "2026-09-27T17:20:05Z",
          "Ruth Hollis (owner)",
          "Refunds issued: 141 online orders",
          "MacBook, Chrome (dev_a41c07)",
          "Waynesville OH, fixed-wireless ISP"
        ],
        [
          "2026-09-28T12:48:30Z",
          "Ruth Hollis (owner)",
          "Refunds issued: online orders",
          "MacBook, Chrome (dev_a41c07)",
          "Waynesville OH, fixed-wireless ISP"
        ],
        [
          "2026-10-04T15:12:37Z",
          "Kayla Brandt (staff)",
          "Login",
          "Android phone, our app (dev_e9b250)",
          "Waynesville OH, fixed-wireless ISP"
        ]
      ]
    },
    "linked_accounts": {
      "devices": "No device that used this dashboard has used another merchant's",
      "bank_accounts": "Checking x5583 is not on file for any other merchant",
      "people_and_addresses": "None shared with other merchants",
      "cards": "No cards from this merchant's sales are linked to fraud at other merchants on our platform"
    },
    "website_and_business_checks": {
      "checked": "2026-10-06",
      "website": "Site live since at least 2014; season dates (Sept 12 to Nov 1), prices ($16 weekend, $12 weekday), timed-entry tickets through our checkout, field trip booking form, and a weather policy promising refunds when the farm closes",
      "weather_notice": "Banner and social post on 2026-09-27: 'Closing at 1 pm today for the severe thunderstorm warning. Afternoon tickets will be refunded automatically.'",
      "online_presence": "Map listing with 2,140 reviews, 4.7 stars; listed in the county's fall farm guide",
      "business_address": "Working farm, matches the website and county records"
    },
    "earlier_reviews": [
      {
        "date": "2023-08-14",
        "type": "Onboarding underwriting",
        "result": "Approved, seasonal tier"
      },
      {
        "date": "2023-10-03",
        "type": "Volume alert",
        "result": "Cleared: first fall season, matches declared seasonality"
      },
      {
        "date": "2024-10-08",
        "type": "Volume alert",
        "result": "Cleared: seasonal, same pattern as 2023"
      },
      {
        "date": "2025-10-07",
        "type": "Volume alert",
        "result": "Cleared: seasonal; October 2025 up 9% on 2024"
      }
    ],
    "merchant_contacts": [
      {
        "ts": "2026-08-19T14:10:22Z",
        "channel": "Support chat",
        "summary": "Owner asked how to sell timed-entry tickets online through our checkout: 'Lines at the gate were too long last year.'"
      },
      {
        "ts": "2026-09-15T18:05:00Z",
        "channel": "Inbound call from the phone on file",
        "summary": "Ruth Hollis said they refinanced the farm's operating line with a new lender, who requires the operating account at its bank, and that she would change the payout account tomorrow."
      },
      {
        "ts": "2026-09-28T13:30:00Z",
        "channel": "Email from the merchant",
        "summary": "'We closed at 1 pm Sunday for the storm and refunded every afternoon ticket for the 27th, so you'll see a lot of refunds. Please don't flag us!'"
      }
    ],
    "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_3RW9K6",
      "raised": "2026-10-06T13:50:00Z",
      "rules_fired": [
        "Volume: last 30 days' daily average is 14.6 times the previous 90 days'",
        "Channel: card-not-present share 53% in the last 30 days; declared 15%",
        "Payout account changed 20 days before the volume spike",
        "Refunds: 2026-09-27 refund rate over 20% of the day's sales",
        "New dashboard user added in the last 30 days"
      ],
      "our_merchant_risk_score": "71 (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"
      }
    }
  }
}