Skip to main content
Decisionly uses AI to analyze your cases and determine whether they meet the network guidelines for chargebacks.

​
How Conditions Analysis Works

When you file a non-fraud case, Decisionly performs two types of AI-powered analysis:

​
Documentation Review

Analyzes uploaded evidence files to determine if they’re relevant and valid for the case. Each file is reviewed to check:
  • Is the document related to the disputed transaction?
  • Does it support the dispute reason?
  • Is the document clear and readable?
Files marked as invalid don’t prevent filing by default, but indicate the evidence may not support the chargeback.

​
Conditions Review

Analyzes case details and evidence to determine if required chargeback conditions are met. The AI checks:
  • Whether all required conditions are satisfied
  • Which conditions were detected as met
  • Which required conditions were not detected
This analysis is informational by default and doesn’t prevent filing. However, filing a chargeback without meeting required conditions may result in the merchant successfully disputing it.

​
Workflow Rules

You can configure workflow rules to control how cases are handled based on AI analysis results. The workflow rules to set up are Conditions Met and Documentation Valid. Conditions Met determines whether a case meets all required chargeback conditions for its dispute reason. You could use this rule to flag for review when required conditions are not met. Documentation Valid determines whether uploaded evidence files are relevant and valid. You could use this rule to flag for review when documentation is marked as invalid.

​
Dispute Reason Conditions

Each dispute reason has specific conditions that must be met to file a valid chargeback with the card network. The AI analyzes your case details and evidence to determine which conditions are satisfied.

​
Product Not As Described

All of these conditions must be met:
  • Merchant Contacted - The cardholder contacted the merchant, or attempted to contact the merchant, to resolve the dispute
  • Merchant Refused Remedy - The merchant refused to adjust the price, repair, or replace the goods, or issue a credit
  • Product Returned - For physical goods: The cardholder returned the goods or informed the merchant the goods were available for pickup
Additionally, at least one of these conditions must be met:
  • Product Broken - When delivered, the goods arrived broken or could not be used for the intended purpose
  • Product Not As Described - Goods and services did not conform to their description (wrong color, size, quality, etc.)
  • Contract Terms Not Honored - The merchant did not honor the terms and conditions of the contract, including money back guarantees, written promises, or return policy

​
Product Counterfeit

The following condition must be met:
  • Product Counterfeit - The cardholder claims that the goods were presented as genuine but were counterfeit

​
Product Not Received

All of these conditions must be met:
  • Merchant Contacted - The cardholder contacted the merchant, or attempted to contact the merchant, to resolve the dispute
  • Product Description - A reasonably specific description of the goods/services purchased is required

​
Duplicate Charge

At least one of these conditions must be met:
  • Prior Transaction Details - Details of the prior transaction providing sufficient details to allow the merchant to locate the prior payment
  • Prior Transaction Documentation - When a non-credit card method of prior payment was used, documentation detailing the specific non-credit card method of payment (bank statement, cleared check, or cash receipt)

​
Incorrect Amount

The following condition must be met:
  • Correct Amount Documentation - Documentation detailing the correct transaction amount (receipt, final bill, or merchant email confirming price)

​
Credit Not Processed

The following condition must be met:
  • Merchant Contacted - The cardholder contacted the merchant, or attempted to contact the merchant, to resolve the dispute
Additionally, at least one of these conditions must be met:
  • Refund Not Processed - The merchant agreed to provide a refund and failed to process that refund
  • Partial Credit - The merchant posted a credit for a reduced amount without proper disclosure

​
Subscription Canceled

The following condition must be met:
  • Merchant Contacted - The cardholder contacted the merchant, or attempted to contact the merchant, to resolve the dispute
Additionally, at least one of these conditions must be met:
  • Subscription Canceled - The cardholder notified the merchant to cancel the recurring transaction and the merchant continued to bill the cardholder
  • Subscription Not Disclosed - The transaction was not advertised as recurring

​
Canceled or Returned

The following condition must be met:
  • Merchant Contacted - The cardholder contacted the merchant, or attempted to contact the merchant, to resolve the dispute
Additionally, at least one of these conditions must be met:
  • Canceled or Returned - No credit has been issued/processed for the canceled services or merchandise
  • Refund Policy Not Disclosed - The merchant failed to disclose its refund policy at the time of the transaction and is unwilling to accept a return or cancellation
  • Timeshare Cancellation Not Processed - A Timeshare cancellation was not processed within 14 days of the contract or receipt date
  • No-Show Fee Charged - A guaranteed reservation was canceled and the customer was charged a No-Show Fee

​
Cash Not Received

The following condition must be met:
  • Cash Not Dispensed - Some or all of the funds debited from the cardholder’s account were not dispensed by the ATM or point of sale terminal

​
Other

The following condition must be met:
  • Cardholder Dispute - The dispute is about a transaction with a merchant or issues with the transaction itself, not problems with the issuer such as billing errors, credit balance transfers, account management issues, or other issuer-related matters