{
  "schema": "varexis-public-evidence-record/0.3",
  "generated_at_utc": "2026-10-29T21:43:00.943093Z",
  "record_id": "VXI-EXT-ICE06-GOCARDLESS-CONFIRMED-LATE-FAILURE-01-v1",
  "record_kind": "external_reference",
  "title": "GoCardless confirmed late failure",
  "system": "GoCardless",
  "evidence_family": "vendor_evidence_review",
  "index_status": "PUBLIC_SAFE_SOURCE_REVIEW",
  "evidence_state": "PRIMARY_DOCUMENTATION_REVIEW_ONLY",
  "canonical_question": "Does a GoCardless confirmed or paid-out payment prove an irreversible collection?",
  "near_questions": [
    "GoCardless confirmed late failure",
    "direct debit paid out chargeback finality",
    "GoCardless delayed bank report payment status",
    "confirmed collection not irrevocable"
  ],
  "supported_claims": [
    {
      "claim": "GoCardless documents late failure when delayed bank reporting corrects a payment previously marked confirmed. Its lifecycle also includes chargebacks returning funds under the applicable Direct Debit rules. A paid-out or confirmed state therefore needs continued outcome reconciliation rather than being treated as irrevocable finality.",
      "reliance": "DOCUMENTED_CAPABILITY_ONLY"
    }
  ],
  "not_demonstrated_claims": [
    "Do not infer irreversibility, settled revenue or absence of future reversal from a lifecycle snapshot.",
    "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": "GoCardless documents late failure when delayed bank reporting corrects a payment previously marked confirmed. Its lifecycle also includes chargebacks returning funds under the applicable Direct Debit rules. A paid-out or confirmed state therefore needs continued outcome reconciliation rather than being treated as irrevocable finality.",
  "related_record_ids": [],
  "source_review": {
    "source_type": "official_external_documentation",
    "source_title": "GoCardless: Overview of payment statuses",
    "source_url": "https://support.gocardless.com/hc/en-us/articles/213146225-Overview-of-payment-statuses",
    "checked_on": "2026-10-29",
    "candidate_record_id": "VXI-EXT-ICE06-GOCARDLESS-CONFIRMED-LATE-FAILURE-01-v1",
    "candidate_record_sha256": "35f136ef7afe2b0674a80cbe98ddda74f5537e08ee74749adad87d250c5d075e",
    "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": "GoCardless documents late failure when delayed bank reporting corrects a payment previously marked confirmed. Its lifecycle also includes chargebacks returning funds under the applicable Direct Debit rules. A paid-out or confirmed state therefore needs continued outcome reconciliation rather than being treated as irrevocable finality.",
    "required_buyer_context": "payment ID; bank-debit scheme; full event history; payout association; later failure or chargeback entries. 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",
    "checked_on": "2026-10-29",
    "claim_to_check": "Does a GoCardless confirmed or paid-out payment prove an irreversible collection?",
    "documented_statement": {
      "status": "documented",
      "statement": "GoCardless documents late failure when delayed bank reporting corrects a payment previously marked confirmed. Its lifecycle also includes chargebacks returning funds under the applicable Direct Debit rules. A paid-out or confirmed state therefore needs continued outcome reconciliation rather than being treated as irrevocable finality.",
      "source_ids": [
        "gc-status"
      ]
    },
    "review_inference": {
      "status": "review_inference",
      "statement": "An order is fulfilled and the receivable permanently closed on confirmation. Later bank corrections may leave the order unreconciled. Adds direct-debit delayed bank-failure reporting after apparent confirmation, distinct from card capture rejection. This is an operational review inference, not an observed deployment outcome.",
      "source_ids": [
        "gc-status"
      ]
    },
    "buyer_evidence_required": [
      "payment ID",
      "bank-debit scheme",
      "full event history",
      "payout association",
      "later failure or chargeback entries"
    ],
    "review_condition": {
      "status": "varexis_review_policy",
      "statement": "Do not infer irreversibility, settled revenue or absence of future reversal from a lifecycle snapshot."
    },
    "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": "gc-status",
        "url": "https://support.gocardless.com/hc/en-us/articles/213146225-Overview-of-payment-statuses",
        "final_url": "https://support.gocardless.com/hc/en-us/articles/213146225-Overview-of-payment-statuses",
        "captured_at_utc": "2026-10-29T19:10:37.032674+00:00",
        "status": 200,
        "content_type": "text/html; charset=utf-8",
        "bytes": 122697,
        "sha256": "caa9541f43ede4d6303f757c117069aa2fcd317f39e1b4f18b60716649a057a7",
        "publisher": "GoCardless",
        "version_context": "Rolling official documentation; applicability is limited to the exact captured response and its stated service, API and feature constraints. Recheck present support before current reliance. Source captured 2026-10-29T19:10:37.032674+00:00.",
        "rights_review": "Public original factual paraphrase and attributed source metadata only. Captured documentation bodies, code examples, images and vendor marks remain private. No vendor software licence, certification or buyer deployment assurance is granted.",
        "capture_integrity_verified": true,
        "source_assertion_reviewed": true,
        "title": "GoCardless: Overview of payment statuses",
        "checked_on": "2026-10-29",
        "capture_status": 200,
        "claim_review_completed": true,
        "hash_basis": "SHA-256 of captured HTTP response body bytes",
        "reviewed_sections": [
          "Late failure",
          "Submitted"
        ]
      }
    ],
    "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": "An order is fulfilled and the receivable permanently closed on confirmation. Later bank corrections may leave the order unreconciled.",
      "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": "Late failure"
    },
    "buyer_relevance": "An order is fulfilled and the receivable permanently closed on confirmation. Later bank corrections may leave the order unreconciled.",
    "refusal_conditions": [
      "Do not infer irreversibility, settled revenue or absence of future reversal from a lifecycle snapshot.",
      "Do not infer deployment conformance, authority or successful outcomes from source documentation."
    ],
    "decision_context": {
      "operator": "Payment and procurement reconciliation operator",
      "scenario": "An order is fulfilled and the receivable permanently closed on confirmation.",
      "consequence": "Later bank corrections may leave the order unreconciled.",
      "confidence": "Primary documentation assertion supported; deployment applicability unverified"
    },
    "novelty_review": {
      "candidate_id": "ICE06-C3D74AE674CE",
      "disposition": "EXTENSION",
      "nearest_record_id": "VXI-EXT-PROCUREMENT-ADYEN-CAPTURE-SUCCESS-LATE-SCHEME-FAILURE-01-v1",
      "nearest_record_url": "/varexis-index/records/adyen-capture-success-late-scheme-failure.json",
      "nearest_record_sha256": "38a94538229f6c94bbebcdf9bcfd41bdd5e1c9ad1b22ce43a9ffe707b8b30fbf",
      "material_distinction": "Adds direct-debit delayed bank-failure reporting after apparent confirmation, distinct from card capture rejection.",
      "independent_challenge": "PASS"
    },
    "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 adjacent workflow only. This review does not extend a checker input schema or implement native provider validation. Preserve the six canonical guides unchanged."
    },
    "exact_access": {
      "endpoint": "/mcp/catalogue",
      "tool": "get_publication_record",
      "arguments": {
        "record_id": "VXI-EXT-ICE06-GOCARDLESS-CONFIRMED-LATE-FAILURE-01-v1"
      },
      "record_url": "/varexis-index/records/gocardless-confirmed-late-failure.json",
      "original_mcp_search": false,
      "paid_saved_retrieval": false
    }
  },
  "niche": {
    "niche_id": "ice06-payments",
    "label": "Agent Payments, Authority & Transaction Evidence",
    "classification_id": "payments",
    "classification_label": "Agent Payments, Authority & Transaction Evidence",
    "topic_id": "payments",
    "buyer_intent": "An order is fulfilled and the receivable permanently closed on confirmation. Later bank corrections may leave the order unreconciled.",
    "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#gocardless-confirmed-late-failure",
  "machine_readable_record": "/varexis-index/records/gocardless-confirmed-late-failure.json"
}