Fraud & Disputes
Tripwire sits on the authorization path and decides in milliseconds; when a cardholder disputes, Arbiter adjudicates on the evidence and the regime's clocks — Reg E or Reg Z.
Authorize
Card and account-to-account authorizations, in flight.
Decide in-flight
Scores payments on the authorization path — allow / step-up / hold / block — without over-blocking good customers.
Verify
Out-of-band verification when Tripwire says step-up. Open slot — no agent staffs this step yet.
Holds and edge cases go to the human queue.
Dispute
Cardholder claims open Reg E / Reg Z investigation clocks.
Adjudicates cardholder disputes on the evidence and the governing regime's rules and clocks.
Recover
Network recovery on merchant liability. Open slot — no agent staffs this step yet.
The walkthrough
- 1
Tripwire sits on the authorization path and decides allow / step-up / hold / block in real time — without over-blocking good customers.
Replay the real runsc-tripwire - 2
Friction is a decision too: step-up goes to the customer, holds go to fraud ops.
- 3
When a cardholder disputes, Arbiter adjudicates on the evidence and the governing regime's rules and clocks — Reg E or Reg Z.
Replay the real runsc-arbiter - 4
Network recovery is the next slot in the cadre.