// E-commerce

Chargeback Evidence Readiness Auditor

Check a chargeback case, evidence index, and timeline for reason-specific gaps, broken references, contradictions, and deadline risk before owner review.

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What problem does Chargeback Evidence Readiness Auditor solve?

A chargeback response can look complete while omitting reason-specific proof, referencing a missing file, or contradicting the refund and fulfillment timeline.

Use it to

Review a fraud or product-not-received response before processor submission
Catch missing delivery, transaction, refund, and communication evidence
Verify evidence file references and hashes after a handoff
Create an agency-ready review ledger without sharing processor credentials

What it returns

Priority-ranked findings CSV
Hash-backed evidence index
JSON readiness gate and reason-code summary
Owner-review memo tied to the supplied case

A representative input and result

fixture-backed sample

input Reason: product_not_received. Evidence index references an order record and customer email but no carrier proof. Timeline also records a refund after the dispute date without a receipt.

result Gate: BLOCK. Critical: missing delivery evidence and referenced transaction proof. High: refund event has no receipt. Review the contradictions before submitting anything.

Access and approval boundaries

Read access to user-supplied local JSON, CSV, and referenced evidence files.
Write access only to the selected local audit output directory.
No processor, store, browser, network, credential, or environment-variable access is required.

Known limitations

The included reason profiles are documented operational checks, not a complete representation of every processor or card-network rule.
Hash verification requires referenced files to be present locally and optional expected hashes to be supplied.
READY_FOR_OWNER_REVIEW does not guarantee acceptance, recovery, legal sufficiency, or a favorable chargeback result.

Questions

Does it submit my dispute?

No. It works only from local files and stops at an owner-review gate.

Will it predict whether I will win?

No. It reports evidence readiness and contradictions, not processor or bank outcomes.

Which dispute reasons are covered?

Version 1 includes documented profiles for common fraud, product-not-received, unacceptable-product, duplicate, subscription, credit-not-processed, and general disputes.

Does it verify the evidence files?

It checks that local references exist and verifies SHA-256 when an expected hash is supplied.

Can an agency use it without store access?

Yes. A normalized local case, evidence index, and timeline are sufficient.

Is this legal advice?

No. A responsible owner must review the processor requirements and decide what to submit.

Chargeback Evidence Readiness Auditor keeps proof and approval boundaries visible.

The listing includes the tested package, realistic samples, declared permissions, and known limitations.

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