{
  "schema": "varexis-public-evidence-record/0.3",
  "generated_at_utc": "2026-10-29T21:43:00.943093Z",
  "record_id": "VXI-EXT-ICE06-GOCARDLESS-REFUND-RETURNED-CREDIT-01-v1",
  "record_kind": "external_reference",
  "title": "GoCardless refund returned credit",
  "system": "GoCardless",
  "evidence_family": "vendor_evidence_review",
  "index_status": "PUBLIC_SAFE_SOURCE_REVIEW",
  "evidence_state": "PRIMARY_DOCUMENTATION_REVIEW_ONLY",
  "canonical_question": "Does a refund debit in a GoCardless payout prove the customer received the refund?",
  "near_questions": [
    "GoCardless refund funds returned",
    "refund debit customer not received",
    "payout refund return credit reconciliation",
    "GoCardless refund outcome payment mandate link"
  ],
  "supported_claims": [
    {
      "claim": "GoCardless defines refund_funds_returned as a credit when a previously deducted refund failed to reach the customer. The original refund debit therefore needs reconciliation with later return items and their payment or mandate links before concluding the customer received funds.",
      "reliance": "DOCUMENTED_CAPABILITY_ONLY"
    }
  ],
  "not_demonstrated_claims": [
    "Refuse customer-receipt claims based only on the payout debit; reconcile subsequent refund-return evidence.",
    "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 defines refund_funds_returned as a credit when a previously deducted refund failed to reach the customer. The original refund debit therefore needs reconciliation with later return items and their payment or mandate links before concluding the customer received funds.",
  "related_record_ids": [],
  "source_review": {
    "source_type": "official_external_documentation",
    "source_title": "GoCardless: Reconciling payouts",
    "source_url": "https://docs.gocardless.com/docs/collect-payments/managing-payments/reconciling-payouts",
    "checked_on": "2026-10-29",
    "candidate_record_id": "VXI-EXT-ICE06-GOCARDLESS-REFUND-RETURNED-CREDIT-01-v1",
    "candidate_record_sha256": "e3fcafc99f336e5482222bae7c8302c42f0bcb345a467faed89c872389127440",
    "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 defines refund_funds_returned as a credit when a previously deducted refund failed to reach the customer. The original refund debit therefore needs reconciliation with later return items and their payment or mandate links before concluding the customer received funds.",
    "required_buyer_context": "refund and payout references; original debit; later return credits; linked payment or mandate; customer receipt if required. 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 refund debit in a GoCardless payout prove the customer received the refund?",
    "documented_statement": {
      "status": "documented",
      "statement": "GoCardless defines refund_funds_returned as a credit when a previously deducted refund failed to reach the customer. The original refund debit therefore needs reconciliation with later return items and their payment or mandate links before concluding the customer received funds.",
      "source_ids": [
        "gc-payout"
      ]
    },
    "review_inference": {
      "status": "review_inference",
      "statement": "An operator closes a customer refund when it is deducted from a payout. A failed refund can return to the merchant while the customer remains unpaid. Adds the specific returned-refund ledger item used in GoCardless payout reconciliation. This is an operational review inference, not an observed deployment outcome.",
      "source_ids": [
        "gc-payout"
      ]
    },
    "buyer_evidence_required": [
      "refund and payout references",
      "original debit",
      "later return credits",
      "linked payment or mandate",
      "customer receipt if required"
    ],
    "review_condition": {
      "status": "varexis_review_policy",
      "statement": "Refuse customer-receipt claims based only on the payout debit; reconcile subsequent refund-return evidence."
    },
    "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-payout",
        "url": "https://docs.gocardless.com/docs/collect-payments/managing-payments/reconciling-payouts",
        "final_url": "https://docs.gocardless.com/docs/collect-payments/managing-payments/reconciling-payouts",
        "captured_at_utc": "2026-10-29T19:10:36.872768+00:00",
        "status": 200,
        "content_type": "text/html; charset=utf-8",
        "bytes": 240359,
        "sha256": "6c4d4fe30657d85665143803d5b2cc5137d59fa14972d83ac90571440a25a1df",
        "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 2026-10-29T19:10:36.872768+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: Reconciling payouts",
        "checked_on": "2026-10-29",
        "capture_status": 200,
        "claim_review_completed": true,
        "hash_basis": "SHA-256 of captured HTTP response body bytes",
        "reviewed_sections": [
          "Using the Payout Items API",
          "refund_funds_returned"
        ]
      }
    ],
    "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 operator closes a customer refund when it is deducted from a payout. A failed refund can return to the merchant while the customer remains unpaid.",
      "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": "refund_funds_returned"
    },
    "buyer_relevance": "An operator closes a customer refund when it is deducted from a payout. A failed refund can return to the merchant while the customer remains unpaid.",
    "refusal_conditions": [
      "Refuse customer-receipt claims based only on the payout debit; reconcile subsequent refund-return evidence.",
      "Do not infer deployment conformance, authority or successful outcomes from source documentation."
    ],
    "decision_context": {
      "operator": "Payment and procurement reconciliation operator",
      "scenario": "An operator closes a customer refund when it is deducted from a payout.",
      "consequence": "A failed refund can return to the merchant while the customer remains unpaid.",
      "confidence": "Primary documentation assertion supported; deployment applicability unverified"
    },
    "novelty_review": {
      "candidate_id": "ICE06-187906A884BD",
      "disposition": "EXTENSION",
      "nearest_record_id": "VXI-EXT-PROCUREMENT-ADYEN-REVERSAL-ELIGIBILITY-AND-LATER-OUTCOMES-01-v1",
      "nearest_record_url": "/varexis-index/records/adyen-reversal-eligibility-and-later-outcomes.json",
      "nearest_record_sha256": "6d62fb55d263ef5c43e6b6fa3fa18a77166b314eb0a88c5cc9ffbf4ca88d50a3",
      "material_distinction": "Adds the specific returned-refund ledger item used in GoCardless payout reconciliation.",
      "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-REFUND-RETURNED-CREDIT-01-v1"
      },
      "record_url": "/varexis-index/records/gocardless-refund-returned-credit.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 operator closes a customer refund when it is deducted from a payout. A failed refund can return to the merchant while the customer remains unpaid.",
    "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-refund-returned-credit",
  "machine_readable_record": "/varexis-index/records/gocardless-refund-returned-credit.json"
}