Provable Purchase ChainIT Pay White Paper

Executive summary

By the time a chargeback reaches an acquirer, the purchase may be weeks old. The merchant then has a short window to explain what happened using records scattered across checkout, payment processing, fulfillment and customer service systems.

Merchants need evidence they can retrieve, understand and submit within the applicable deadline. When the response costs more than the purchase, contesting the chargeback becomes an economic decision. Better evidence needs to begin with the transaction itself.

Provable Purchase applies the ChainIT Transaction Truth Architecture to card purchases and their subsequent disputes. Its proposed dispute evidence profile connects a verified person or organization, the right to use the payment account, current authority and applicable compliance, the purchase approved, the instruction executed and the outcome recorded. It draws on ChainIT ID, ChainIT Org ID, the Authority and Compliance Protocols, ChainIT Pay, Pactvera and the platform's evidence records.

Agent-initiated purchases make this connection especially important. A consumer may delegate a purchase without attending checkout. A business may authorize an employee to grant an agent limited purchasing authority. A useful record must establish the source and limits of that delegation and whether it supported the actual purchase when the instruction was released.

Existing authentication, network protections and transaction records remain valuable. ChainIT's contribution is the connected, verifiable evidence chain across those controls. The proposed Dispute Evidence Package would make relevant records available through participating acquirers, with disclosure tailored to the dispute.

That record can support a merchant that fulfilled its obligations. It can also establish that a transaction exceeded its authority or that a merchant failed to honor approved terms. Network rules, applicable law and the facts continue to govern the outcome. The commercial objective is measurable improvement in evidence completeness, response time and dispute economics.

This edition distinguishes platform foundations, published protocol architecture, the proposed dispute evidence profile and external dependencies. The proposed package is not represented as generally available or as a network-approved compelling-evidence format.