{
  "schema": "varexis-index-free-publication-preview/1",
  "catalogue_version": "ice-09-tranche-69-v1",
  "route_id": "agentic_reviewed_stripe_issuing_provisional_credit_not_final_recovery",
  "record_id": "VXI-EXT-ICE09-STRIPE-ISSUING-PROVISIONAL-CREDIT-NOT-FINAL-RECOVERY-01-v1",
  "question": "Does an available Stripe Issuing provisional credit establish a won dispute and final recovery?",
  "answer": "For the documented eligible UK and EU Issuing unauthorized or fraud flows, provisional credit can be spent while the dispute remains open. Stripe claws it back after resolving the dispute; a win produces a new credit for the amount recovered. A clawback can create a negative balance requiring replenishment. Reconcile provisional credit, reversal and any final credit separately instead of treating available funds as final recovery.",
  "records": [
    {
      "record_id": "VXI-EXT-ICE09-STRIPE-ISSUING-PROVISIONAL-CREDIT-NOT-FINAL-RECOVERY-01-v1",
      "url": "/varexis-index/records/stripe-issuing-provisional-credit-not-final-recovery.json",
      "content_sha256": "786f592187d568ba4171afd6ed3112a77efff5378678650e77251bc5485f5d66",
      "evidence": {
        "schema": "varexis-public-evidence-record/0.3",
        "generated_at_utc": "2026-10-30T15:17:58.235744+00:00",
        "record_id": "VXI-EXT-ICE09-STRIPE-ISSUING-PROVISIONAL-CREDIT-NOT-FINAL-RECOVERY-01-v1",
        "record_kind": "external_reference",
        "title": "Does an available Stripe Issuing provisional credit establish a won dispute and final recovery",
        "system": "Stripe",
        "evidence_family": "vendor_evidence_review",
        "index_status": "PUBLIC_SAFE_SOURCE_REVIEW",
        "evidence_state": "PRIMARY_DOCUMENTATION_REVIEW_ONLY",
        "canonical_question": "Does an available Stripe Issuing provisional credit establish a won dispute and final recovery?",
        "near_questions": [
          "Is a provisional Issuing credit final recovery?",
          "Can an open dispute's credited funds later be clawed back?",
          "What happens to provisional funds when a dispute is won?",
          "Can spending temporary credit leave an Issuing balance negative?"
        ],
        "supported_claims": [
          {
            "claim": "For the documented eligible UK and EU Issuing unauthorized or fraud flows, provisional credit can be spent while the dispute remains open. Stripe claws it back after resolving the dispute; a win produces a new credit for the amount recovered. A clawback can create a negative balance requiring replenishment. Reconcile provisional credit, reversal and any final credit separately instead of treating available funds as final recovery.",
            "reliance": "DOCUMENTED_CAPABILITY_ONLY"
          }
        ],
        "not_demonstrated_claims": [
          "Do not classify provisional funds as final recovery or extend this policy to every Issuing dispute or region.",
          "Buyer implementation, live runtime enforcement, settled payment, verified deletion or certification are not established.",
          "No expanded capabilities or licences for existing INDEX executables."
        ],
        "public_summary": "For the documented eligible UK and EU Issuing unauthorized or fraud flows, provisional credit can be spent while the dispute remains open. Stripe claws it back after resolving the dispute; a win produces a new credit for the amount recovered. A clawback can create a negative balance requiring replenishment. Reconcile provisional credit, reversal and any final credit separately instead of treating available funds as final recovery.",
        "related_record_ids": [],
        "source_review": {
          "source_type": "official_external_documentation",
          "source_title": "Stripe primary documentation: stripe issuing provisional",
          "source_url": "https://docs.stripe.com/issuing/purchases/disputes/provisional-credits",
          "checked_on": "2026-10-30",
          "candidate_record_id": "VXI-EXT-ICE09-STRIPE-ISSUING-PROVISIONAL-CREDIT-NOT-FINAL-RECOVERY-01-v1",
          "candidate_record_sha256": "ea0f1e09783d270ac08290f58ea6ab5ac311990714e36e4f1c100e6ed79321f2",
          "method": "Primary documentation reviewed for the published bounded statement.",
          "deployment_tested_by_varexis": false,
          "revalidation": "The delivered snapshot preserves the review date shown. Recheck current primary documentation and deployment context before relying on present applicability; payment does not trigger fresh research."
        },
        "answer_policy": {
          "classification": "DOCUMENTED_WITH_DEPLOYMENT_BOUNDARY",
          "bounded_answer": "For the documented eligible UK and EU Issuing unauthorized or fraud flows, provisional credit can be spent while the dispute remains open. Stripe claws it back after resolving the dispute; a win produces a new credit for the amount recovered. A clawback can create a negative balance requiring replenishment. Reconcile provisional credit, reversal and any final credit separately instead of treating available funds as final recovery.",
          "required_buyer_context": "eligible account and region; dispute reason; status; provisional balance entry; reversal; final credit. Buyer deployment not inspected.",
          "missing_evidence": "A broader claim needs evidence matching the intended use. Payment does not upgrade the evidence state."
        },
        "private_boundary": "Raw logs, thresholds, private paths, source code, protected mechanisms and reconstruction-level details are excluded from public and paid delivery.",
        "decision_profile": {
          "schema": "varexis-vendor-evidence-review/1",
          "review_status": "documentation_review_only",
          "applicability_status": "Stripe Issuing primary documentation captured through the official documentation connector on 2026-10-30; limited to eligible UK/EU unauthorized or fraud dispute flows. Account eligibility, current rules and actual financial entries unverified.",
          "checked_on": "2026-10-30",
          "claim_to_check": "Does an available Stripe Issuing provisional credit establish a won dispute and final recovery?",
          "documented_statement": {
            "status": "documented",
            "statement": "For the documented eligible UK and EU Issuing unauthorized or fraud flows, provisional credit can be spent while the dispute remains open. Stripe claws it back after resolving the dispute; a win produces a new credit for the amount recovered. A clawback can create a negative balance requiring replenishment. Reconcile provisional credit, reversal and any final credit separately instead of treating available funds as final recovery.",
            "source_ids": [
              "stripe-issuing-provisional"
            ]
          },
          "review_inference": {
            "status": "review_inference",
            "statement": "Does an available Stripe Issuing provisional credit establish a won dispute and final recovery? Do not classify provisional funds as final recovery or extend this policy to every Issuing dispute or region. Cardholder provisional credit has a distinct temporary balance and clawback lifecycle. This is an operational review inference, not an observed deployment outcome.",
            "source_ids": [
              "stripe-issuing-provisional"
            ]
          },
          "buyer_evidence_required": [
            "eligible account and region",
            "dispute reason",
            "status",
            "provisional balance entry",
            "reversal",
            "final credit"
          ],
          "review_condition": {
            "status": "varexis_review_policy",
            "statement": "Do not classify provisional funds as final recovery or extend this policy to every Issuing dispute or region."
          },
          "unknowns": "The buyer implementation, effective authority, source-data completeness and actual business outcomes were not inspected.",
          "unknown_finding": {
            "status": "unknown",
            "statement": "No buyer deployment or transaction was observed."
          },
          "evidence_sources": [
            {
              "source_id": "stripe-issuing-provisional",
              "url": "https://docs.stripe.com/issuing/purchases/disputes/provisional-credits",
              "final_url": "https://docs.stripe.com/issuing/purchases/disputes/provisional-credits",
              "captured_at_utc": "2026-10-30T14:59:39.229629+00:00",
              "status": 200,
              "content_type": "text/markdown",
              "capture_method": "official Stripe documentation connector",
              "hash_basis": "UTF-8 tool-returned primary documentation content; not original HTTP body",
              "bytes": 4640,
              "sha256": "83554083008a04953a9ee80e9e511ed7505b5b1d9c3728aa7c80f2ce84479525",
              "title": "Stripe primary documentation: stripe issuing provisional",
              "publisher": "Stripe",
              "checked_on": "2026-10-30",
              "capture_status": 200,
              "claim_review_completed": true,
              "version_context": "Stripe Issuing primary documentation captured through the official documentation connector on 2026-10-30; limited to eligible UK/EU unauthorized or fraud dispute flows. Account eligibility, current rules and actual financial entries unverified.",
              "rights_disposition": "Original bounded paraphrase with source attribution. Captured source body remains private; no source-body redistribution. Vendor documentation rights, code licences and marks are not transferred.",
              "reviewed_sections": [
                "Availability",
                "provisional credit"
              ]
            }
          ],
          "observed_deployment": false,
          "commercial_reliance_boundary": "Documentation supports only the stated boundary. Existing licensed checkers analyse supported supplied declarations locally; they do not inspect provider accounts, verify live behaviour, enforce decisions or certify compliance.",
          "paid_value": {
            "decision_context": "Does an available Stripe Issuing provisional credit establish a won dispute and final recovery? Do not classify provisional funds as final recovery or extend this policy to every Issuing dispute or region.",
            "free": "Complete source review, questions, provenance and limitations; free to read and save locally.",
            "single_request": "Unavailable for this publication-only record; historical saved retrieval is unchanged.",
            "evidence_receipt": "Unavailable for this publication-only record; no paid retrieval entitlement is added.",
            "excluded": [
              "Fresh source research",
              "Native provider integration or schema support",
              "Live inspection or runtime enforcement",
              "Payment settlement or verified deletion",
              "Certification or expanded licences"
            ],
            "integrity": "Hashes identify content versions; they do not prove factual truth or provide a signature."
          },
          "revalidation": {
            "trigger": "Recheck current primary documentation and the applicable API, service, account and configuration before reliance. No ongoing monitoring is included.",
            "specific_watch": "Availability; provisional credit"
          },
          "buyer_relevance": "Does an available Stripe Issuing provisional credit establish a won dispute and final recovery? Do not classify provisional funds as final recovery or extend this policy to every Issuing dispute or region.",
          "refusal_conditions": [
            "Do not classify provisional funds as final recovery or extend this policy to every Issuing dispute or region.",
            "Do not infer deployment conformance, authority or successful outcomes from source documentation."
          ],
          "decision_context": {
            "operator": "Issuing reconciliation operator",
            "scenario": "Does an available Stripe Issuing provisional credit establish a won dispute and final recovery?",
            "consequence": "Do not classify provisional funds as final recovery or extend this policy to every Issuing dispute or region.",
            "confidence": "High for the explicitly bounded captured clause; conflicts and version limits retained; deployment untested."
          },
          "novelty_review": {
            "candidate_id": "ICE09-130",
            "disposition": "EXTENSION",
            "nearest_record_id": "VXI-EXT-ICE06-ADYEN-CHARGEBACK-REVERSED-NOT-CLOSED-01-v1",
            "nearest_record_url": "/varexis-index/records/adyen-chargeback-reversed-not-closed.json",
            "nearest_record_sha256": "3d74dc6e32d8b09ff9966ee5214a80d3d44a9a18aa3e279d6fb3e244f16c2d38",
            "material_distinction": "Cardholder provisional credit has a distinct temporary balance and clawback lifecycle.",
            "review_status": "PASS: source qualification plus independent reviewer challenge and resolved corrections"
          },
          "optional_selection": {
            "guide_id": "autonomous-payment-transaction-integrity",
            "guide_url": "/index-guides/autonomous-payment-transaction-integrity",
            "guide_manifest": "/varexis-index/decision-guides.json",
            "checker": {
              "product_id": "agent-transaction-integrity",
              "price_gbp_excluding_vat": 149,
              "purchase_url": "/index-access?route=agentic_pack_transaction_integrity_v1",
              "licence_scope": "Existing separate internal-use licence; subscriptions do not include the executable.",
              "benefit": "Optional local analysis of supported supplied declarations only; no native provider integration or verification is added."
            },
            "boundary": "Optional existing checker analyses its supported supplied declarations locally. It does not connect to the documented provider, import native provider exports, verify tokens, establish live outcomes or extend its schema or licence."
          },
          "exact_access": {
            "endpoint": "/mcp/catalogue",
            "tool": "get_publication_record",
            "arguments": {
              "record_id": "VXI-EXT-ICE09-STRIPE-ISSUING-PROVISIONAL-CREDIT-NOT-FINAL-RECOVERY-01-v1"
            },
            "record_url": "/varexis-index/records/stripe-issuing-provisional-credit-not-final-recovery.json",
            "original_mcp_search": false,
            "paid_saved_retrieval": false
          }
        },
        "niche": {
          "niche_id": "ice09-payments",
          "label": "Agent Payments, Authority & Transaction Evidence",
          "classification_id": "payments",
          "classification_label": "Agent Payments, Authority & Transaction Evidence",
          "topic_id": "payments",
          "buyer_intent": "Does an available Stripe Issuing provisional credit establish a won dispute and final recovery? Do not classify provisional funds as final recovery or extend this policy to every Issuing dispute or region.",
          "comparison_role": "supplementary_discovery"
        },
        "paid_access_note": "The full published answer and boundaries are free. Paid access saves the selected route and source versions, with an unsigned receipt when purchased. Preview coverage before paying. Fresh research, bespoke assessment and protected evidence are excluded.",
        "service_route": {
          "request_guide": "/varexis-index/request.html",
          "request_workflow": "/varexis-index/request-workflow.json",
          "service_id": "single_request",
          "service_routes_url": "/varexis-index/service-routes.json",
          "payment_required": true,
          "availability_endpoint": "/api/index/capabilities",
          "operational_status": "AUTOMATIC_SERVICE_CAPABILITIES_GATED",
          "checkout_url": "/index-access"
        },
        "authority_boundary": "VAREXIS-INDEX informs evidence reliance. It does not provide advice, certification, deployment authority, security assurance, production approval, or guarantee.",
        "human_page": "/varexis-index/catalog.html#stripe-issuing-provisional-credit-not-final-recovery",
        "machine_readable_record": "/varexis-index/records/stripe-issuing-provisional-credit-not-final-recovery.json"
      }
    }
  ],
  "access": {
    "mode": "exact_http_only",
    "payment_required": false,
    "purchase_url": null,
    "mcp_preview_available": false,
    "paid_saved_retrieval_available": false,
    "natural_language_search_qualified": false
  },
  "boundary": "Catalogue additions are available free through the exact HTTP JSON links below. Enhanced natural-language discovery is not yet qualified for these records. They are outside MCP search, MCP preview and paid saved retrieval. No search qualification, executable capability or entitlement is added.",
  "content_sha256": "1f102f48548234ef1152567dfd16ecee47bbb48e49c8dec0a0f3bcbaf80d0b6d"
}