# Workflow — Payment Dispute & Chargeback Agent

## 1. 1. Intake the dispute

Normalize the dispute and attach the account. Capture the cardholder's stated reason and the channel it came through.

## 2. 2. Classify the reason code

Determine the network reason code; it sets the evidence required and the regulatory/network deadline to track.

## 3. 3. Gather evidence

Retrieve the transaction, account/dispute history, fraud signals, and delivery/usage proof — only what this reason code and the hypotheses need.

## 4. 4. Weigh the hypotheses

Assess merchant error vs. friendly fraud vs. true fraud against the evidence, with a confidence and cited records.

## 5. 5. Decide under policy

Refund clean valid disputes within cap; assemble a representment package for friendly fraud; escalate true-fraud, over-cap, or deadline-sensitive cases.

## 6. 6. Act through the money gate

The executor enforces the cap and valid-reason rule and runs only what passes; over-cap refunds and representment filings are staged for approval.

## 7. 7. Document & track deadline

Log the decision with cited evidence, track the network/regulatory deadline, and feed win/loss outcomes back to improve reason-code handling.
