phase5.json

{
  "cash": {
    "as_of_date": "2026-08-31",
    "as_of_source": "inferred",
    "at_risk_paise": 167201303,
    "book_cash_paise": 1419788203,
    "inflow_curve": [
      {
        "date": "2026-08-31",
        "expected_inflow_paise": 298100
      },
      {
        "date": "2026-09-01",
        "expected_inflow_paise": 200900
      },
      {
        "date": "2026-09-02",
        "expected_inflow_paise": 0
      },
      {
        "date": "2026-09-03",
        "expected_inflow_paise": 0
      },
      {
        "date": "2026-09-04",
        "expected_inflow_paise": 0
      },
      {
        "date": "2026-09-05",
        "expected_inflow_paise": 0
      },
      {
        "date": "2026-09-06",
        "expected_inflow_paise": 0
      },
      {
        "date": "2026-09-07",
        "expected_inflow_paise": 0
      },
      {
        "date": "2026-09-08",
        "expected_inflow_paise": 0
      },
      {
        "date": "2026-09-09",
        "expected_inflow_paise": 0
      },
      {
        "date": "2026-09-10",
        "expected_inflow_paise": 0
      },
      {
        "date": "2026-09-11",
        "expected_inflow_paise": 0
      },
      {
        "date": "2026-09-12",
        "expected_inflow_paise": 0
      },
      {
        "date": "2026-09-13",
        "expected_inflow_paise": 0
      }
    ],
    "reconciled_cash_paise": 1328142877,
    "reconciliation": {
      "adjustments_paise": 125800,
      "legitimate_chargeback_paise": 1303074,
      "orphan_chargeback_paise": 438500,
      "settled_gross_minus_net_paise": 27236683,
      "settled_refunds_paise": 23823152,
      "unidentified_credit_paise": -12044900,
      "unsettled_gross_paise": 50763017
    },
    "stuck_paise": 49170754,
    "stuck_payment_ids": [
      "pay_1A8JYY7GkAqBkC",
      "pay_1VQyaLmF12PBP9",
      "pay_321mSm7DcDg6NM",
      "pay_4EJCfyNzpAa2aw",
      "pay_4EM6X3L2b7Kecc",
      "pay_5ZlJytatQrzR7t",
      "pay_6x7P7wj1TOivjb",
      "pay_8qDpOZBABEDLwt",
      "pay_ABjv6W8WCmseUh",
      "pay_CFFSqf1pRrtIKI",
      "pay_DduEh3pwNje2Fg",
      "pay_DiEFR2BDn2DOA7",
      "pay_GwNFILXcMWMKHE",
      "pay_KeTpm6rjstiLv9",
      "pay_Ku6uo8uuBsHFyF",
      "pay_MhzjPuYMvuM1XG",
      "pay_N4Kw6VnqSOsr8s",
      "pay_NoNOG9wQHaPGQR",
      "pay_SlE3QiXiIgfNWi",
      "pay_UalvMn0JQtVKLz",
      "pay_VPF1xnIskKBf39",
      "pay_WpncI2FGAwSpFK",
      "pay_X7FAjKOYOLSuWY",
      "pay_Xlhdv6G3KrBdAj",
      "pay_XutKSS6Yiz1cEV",
      "pay_Z2TqH9tGgzx5Uk",
      "pay_avcU1qjyghbZf1",
      "pay_bMqiwDFZ2Uq0aO",
      "pay_cjGyHB8wgnBGyx",
      "pay_l5R1Um1OKyZRxF",
      "pay_mSRVB6ceKEiZOr",
      "pay_okN5AJZ1OIc3Fi",
      "pay_pPwXAHt49tyNXJ",
      "pay_prMCLfLHnmT3xM",
      "pay_sTD3yhPopbEzHP",
      "pay_svotmeI4C4vXY3",
      "pay_u2cCQXnvH3Y11S",
      "pay_zbyBhmiCi3mABg"
    ]
  },
  "engine": "full",
  "exceptions_detail": [
    {
      "affected": {
        "settlement_id": "setl_ay2LvNyOtg9dGE"
      },
      "aging_days": 28,
      "amount_at_risk_paise": 17715599,
      "category": "PERIOD_CUTOFF",
      "evidence_chain": [
        "settlement setl_ay2LvNyOtg9dGE settled 28 days after its latest payment capture (2026-07-06 -> 2026-08-03), beyond the normal T+N cycle"
      ],
      "recommended_action": "Confirm the settlement period for month-end close; may require an accrual entry.",
      "severity": "REVIEW_REQUIRED",
      "suggested_owner": "Finance Ops",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_OyvjU0Hc7g7Bi2"
      },
      "aging_days": 56,
      "amount_at_risk_paise": 15747371,
      "category": "UNEXPLAINED_VARIANCE",
      "evidence_chain": [
        "payment pay_OyvjU0Hc7g7Bi2's booked net (15747371p) does not match any known fee-tier, GST-rate, refund, or order-gross hypothesis, and no L3 agent was configured to investigate further"
      ],
      "recommended_action": "No known fee/GST/refund/rounding hypothesis explains the observed delta; manual investigation required.",
      "severity": "REVIEW_REQUIRED",
      "suggested_owner": "Reconciliation Ops",
      "trace_file": "sample_traces_live/pay_OyvjU0Hc7g7Bi2.json"
    },
    {
      "affected": {
        "settlement_id": "setl_LiJ9x15p82UyLI"
      },
      "aging_days": 28,
      "amount_at_risk_paise": 15489951,
      "category": "PERIOD_CUTOFF",
      "evidence_chain": [
        "settlement setl_LiJ9x15p82UyLI settled 29 days after its latest payment capture (2026-07-05 -> 2026-08-03), beyond the normal T+N cycle"
      ],
      "recommended_action": "Confirm the settlement period for month-end close; may require an accrual entry.",
      "severity": "REVIEW_REQUIRED",
      "suggested_owner": "Finance Ops",
      "trace_file": null
    },
    {
      "affected": {
        "settlement_id": "setl_ZUnJJmNoyJrirV"
      },
      "aging_days": 61,
      "amount_at_risk_paise": 15216620,
      "category": "PERIOD_CUTOFF",
      "evidence_chain": [
        "settlement setl_ZUnJJmNoyJrirV settled 10 days after its latest payment capture (2026-06-21 -> 2026-07-01), beyond the normal T+N cycle"
      ],
      "recommended_action": "Confirm the settlement period for month-end close; may require an accrual entry.",
      "severity": "REVIEW_REQUIRED",
      "suggested_owner": "Finance Ops",
      "trace_file": null
    },
    {
      "affected": {
        "settlement_id": "setl_XnXIhD1TT1ZiKl"
      },
      "aging_days": 0,
      "amount_at_risk_paise": 10242659,
      "category": "PERIOD_CUTOFF",
      "evidence_chain": [
        "settlement setl_XnXIhD1TT1ZiKl settled 17 days after its latest payment capture (2026-08-16 -> 2026-09-02), beyond the normal T+N cycle"
      ],
      "recommended_action": "Confirm the settlement period for month-end close; may require an accrual entry.",
      "severity": "REVIEW_REQUIRED",
      "suggested_owner": "Finance Ops",
      "trace_file": null
    },
    {
      "affected": {
        "order_id": "order_FExUjNiZUtDgV4",
        "payment_id": "pay_KeTpm6rjstiLv9"
      },
      "aging_days": 29,
      "amount_at_risk_paise": 9197366,
      "category": "DUPLICATE_PAYMENT",
      "evidence_chain": [
        "order order_FExUjNiZUtDgV4 has 2 captured payments; pay_KeTpm6rjstiLv9 has no settlement_id while at least one sibling payment does"
      ],
      "recommended_action": "Void or refund the duplicate payment after confirming with the PG.",
      "severity": "REVIEW_REQUIRED",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "order_id": "order_GmREqjnAP0o1Wn",
        "payment_id": "pay_ABjv6W8WCmseUh"
      },
      "aging_days": 24,
      "amount_at_risk_paise": 8469460,
      "category": "DUPLICATE_PAYMENT",
      "evidence_chain": [
        "order order_GmREqjnAP0o1Wn has 2 captured payments; pay_ABjv6W8WCmseUh has no settlement_id while at least one sibling payment does"
      ],
      "recommended_action": "Void or refund the duplicate payment after confirming with the PG.",
      "severity": "REVIEW_REQUIRED",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_GwNFILXcMWMKHE"
      },
      "aging_days": 58,
      "amount_at_risk_paise": 6682444,
      "category": "MISSING_SETTLEMENT",
      "evidence_chain": [
        "order order_vTqah1IyiobqO2 has exactly one captured payment (pay_GwNFILXcMWMKHE) and it has no settlement_id"
      ],
      "recommended_action": "Confirm settlement status with the PG; escalate if unsettled beyond SLA.",
      "severity": "REVIEW_REQUIRED",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_Z2TqH9tGgzx5Uk"
      },
      "aging_days": 78,
      "amount_at_risk_paise": 6178073,
      "category": "MISSING_SETTLEMENT",
      "evidence_chain": [
        "order order_P8GzkuEe12d5MH has exactly one captured payment (pay_Z2TqH9tGgzx5Uk) and it has no settlement_id"
      ],
      "recommended_action": "Confirm settlement status with the PG; escalate if unsettled beyond SLA.",
      "severity": "REVIEW_REQUIRED",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "order_id": "order_uzgM1ZWPfEGDEp",
        "payment_id": "pay_5ZlJytatQrzR7t"
      },
      "aging_days": 9,
      "amount_at_risk_paise": 5528279,
      "category": "DUPLICATE_PAYMENT",
      "evidence_chain": [
        "order order_uzgM1ZWPfEGDEp has 2 captured payments; pay_5ZlJytatQrzR7t has no settlement_id while at least one sibling payment does"
      ],
      "recommended_action": "Void or refund the duplicate payment after confirming with the PG.",
      "severity": "REVIEW_REQUIRED",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "settlement_id": "setl_qirvLBTOvHu3UJ"
      },
      "aging_days": 28,
      "amount_at_risk_paise": 5390459,
      "category": "PERIOD_CUTOFF",
      "evidence_chain": [
        "settlement setl_qirvLBTOvHu3UJ settled 8 days after its latest payment capture (2026-07-26 -> 2026-08-03), beyond the normal T+N cycle"
      ],
      "recommended_action": "Confirm the settlement period for month-end close; may require an accrual entry.",
      "severity": "REVIEW_REQUIRED",
      "suggested_owner": "Finance Ops",
      "trace_file": null
    },
    {
      "affected": {
        "settlement_id": "setl_M261BuELIeVnVK"
      },
      "aging_days": 0,
      "amount_at_risk_paise": 4771387,
      "category": "PERIOD_CUTOFF",
      "evidence_chain": [
        "settlement setl_M261BuELIeVnVK settled 30 days after its latest payment capture (2026-08-02 -> 2026-09-01), beyond the normal T+N cycle"
      ],
      "recommended_action": "Confirm the settlement period for month-end close; may require an accrual entry.",
      "severity": "STANDARD",
      "suggested_owner": "Finance Ops",
      "trace_file": null
    },
    {
      "affected": {
        "settlement_id": "setl_k8yWDC04Q3csD3"
      },
      "aging_days": 0,
      "amount_at_risk_paise": 3782477,
      "category": "PERIOD_CUTOFF",
      "evidence_chain": [
        "settlement setl_k8yWDC04Q3csD3 settled 34 days after its latest payment capture (2026-07-30 -> 2026-09-02), beyond the normal T+N cycle"
      ],
      "recommended_action": "Confirm the settlement period for month-end close; may require an accrual entry.",
      "severity": "STANDARD",
      "suggested_owner": "Finance Ops",
      "trace_file": null
    },
    {
      "affected": {
        "booked_order_id": "order_wsvUwSm5MmBEvU",
        "payment_id": "pay_PqobrwWKrwmmYt"
      },
      "aging_days": 25,
      "amount_at_risk_paise": 2992900,
      "category": "REFUND_MISALLOCATION",
      "evidence_chain": [
        "payment pay_PqobrwWKrwmmYt carries a refund and its gross (5625819p) does not match order order_wsvUwSm5MmBEvU's gross (62800p) - the refund is likely booked against the wrong order"
      ],
      "recommended_action": "Reassign the refund to the correct order and notify accounts of the correction.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "settlement_id": "setl_y795Qkgnw76CGm"
      },
      "aging_days": 0,
      "amount_at_risk_paise": 2950932,
      "category": "PERIOD_CUTOFF",
      "evidence_chain": [
        "settlement setl_y795Qkgnw76CGm settled 24 days after its latest payment capture (2026-08-10 -> 2026-09-03), beyond the normal T+N cycle"
      ],
      "recommended_action": "Confirm the settlement period for month-end close; may require an accrual entry.",
      "severity": "STANDARD",
      "suggested_owner": "Finance Ops",
      "trace_file": null
    },
    {
      "affected": {
        "order_id": "order_VLPwPcXZsM761W",
        "payment_id": "pay_4EJCfyNzpAa2aw"
      },
      "aging_days": 61,
      "amount_at_risk_paise": 2269993,
      "category": "DUPLICATE_PAYMENT",
      "evidence_chain": [
        "order order_VLPwPcXZsM761W has 2 captured payments; pay_4EJCfyNzpAa2aw has no settlement_id while at least one sibling payment does"
      ],
      "recommended_action": "Void or refund the duplicate payment after confirming with the PG.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "settlement_id": "setl_t9espgbx675ua5"
      },
      "aging_days": 28,
      "amount_at_risk_paise": 2188605,
      "category": "PERIOD_CUTOFF",
      "evidence_chain": [
        "settlement setl_t9espgbx675ua5 settled 35 days after its latest payment capture (2026-06-29 -> 2026-08-03), beyond the normal T+N cycle"
      ],
      "recommended_action": "Confirm the settlement period for month-end close; may require an accrual entry.",
      "severity": "STANDARD",
      "suggested_owner": "Finance Ops",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_Ku6uo8uuBsHFyF"
      },
      "aging_days": 53,
      "amount_at_risk_paise": 1793664,
      "category": "MISSING_SETTLEMENT",
      "evidence_chain": [
        "order order_46Ic4VNtz9g2uy has exactly one captured payment (pay_Ku6uo8uuBsHFyF) and it has no settlement_id"
      ],
      "recommended_action": "Confirm settlement status with the PG; escalate if unsettled beyond SLA.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "bank_txn_id": "btxn_hbqcLFHc3LQ8"
      },
      "aging_days": 26,
      "amount_at_risk_paise": 1725500,
      "category": "UNIDENTIFIED_CREDIT",
      "evidence_chain": [
        "credit btxn_hbqcLFHc3LQ8 (1725500p) matches no settlement UTR, prefix, or amount/date/narration tolerance candidate"
      ],
      "recommended_action": "Identify the payer; likely a direct customer transfer outside the PG flow.",
      "severity": "STANDARD",
      "suggested_owner": "Reconciliation Ops",
      "trace_file": null
    },
    {
      "affected": {
        "bank_txn_id": "btxn_s6ZCivtn9rOK"
      },
      "aging_days": 38,
      "amount_at_risk_paise": 1696000,
      "category": "UNIDENTIFIED_CREDIT",
      "evidence_chain": [
        "credit btxn_s6ZCivtn9rOK (1696000p) matches no settlement UTR, prefix, or amount/date/narration tolerance candidate"
      ],
      "recommended_action": "Identify the payer; likely a direct customer transfer outside the PG flow.",
      "severity": "STANDARD",
      "suggested_owner": "Reconciliation Ops",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_ymzQx3u8WEhd7G"
      },
      "aging_days": 13,
      "amount_at_risk_paise": 1498031,
      "category": "UNEXPLAINED_VARIANCE",
      "evidence_chain": [
        "payment pay_ymzQx3u8WEhd7G's booked net (1498031p) does not match any known fee-tier, GST-rate, refund, or order-gross hypothesis, and no L3 agent was configured to investigate further"
      ],
      "recommended_action": "No known fee/GST/refund/rounding hypothesis explains the observed delta; manual investigation required.",
      "severity": "STANDARD",
      "suggested_owner": "Reconciliation Ops",
      "trace_file": "sample_traces_live/pay_ymzQx3u8WEhd7G.json"
    },
    {
      "affected": {
        "payment_id": "pay_Xlhdv6G3KrBdAj"
      },
      "aging_days": 28,
      "amount_at_risk_paise": 1476243,
      "category": "MISSING_SETTLEMENT",
      "evidence_chain": [
        "order order_QU6AjurhagrUeB has exactly one captured payment (pay_Xlhdv6G3KrBdAj) and it has no settlement_id"
      ],
      "recommended_action": "Confirm settlement status with the PG; escalate if unsettled beyond SLA.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "bank_txn_id": "btxn_wy9KLBrF6UJ1"
      },
      "aging_days": 34,
      "amount_at_risk_paise": 1469600,
      "category": "UNIDENTIFIED_CREDIT",
      "evidence_chain": [
        "credit btxn_wy9KLBrF6UJ1 (1469600p) matches no settlement UTR, prefix, or amount/date/narration tolerance candidate"
      ],
      "recommended_action": "Identify the payer; likely a direct customer transfer outside the PG flow.",
      "severity": "STANDARD",
      "suggested_owner": "Reconciliation Ops",
      "trace_file": null
    },
    {
      "affected": {
        "bank_txn_id": "btxn_LVreOkbpJ1qh"
      },
      "aging_days": 2,
      "amount_at_risk_paise": 1454000,
      "category": "UNIDENTIFIED_CREDIT",
      "evidence_chain": [
        "credit btxn_LVreOkbpJ1qh (1454000p) matches no settlement UTR, prefix, or amount/date/narration tolerance candidate"
      ],
      "recommended_action": "Identify the payer; likely a direct customer transfer outside the PG flow.",
      "severity": "STANDARD",
      "suggested_owner": "Reconciliation Ops",
      "trace_file": null
    },
    {
      "affected": {
        "bank_txn_id": "btxn_54c4HFf3Yojl"
      },
      "aging_days": 74,
      "amount_at_risk_paise": 1448900,
      "category": "UNIDENTIFIED_CREDIT",
      "evidence_chain": [
        "credit btxn_54c4HFf3Yojl (1448900p) matches no settlement UTR, prefix, or amount/date/narration tolerance candidate"
      ],
      "recommended_action": "Identify the payer; likely a direct customer transfer outside the PG flow.",
      "severity": "STANDARD",
      "suggested_owner": "Reconciliation Ops",
      "trace_file": null
    },
    {
      "affected": {
        "settlement_id": "setl_DVqAvSSY82FJPA"
      },
      "aging_days": 60,
      "amount_at_risk_paise": 1417700,
      "category": "PERIOD_CUTOFF",
      "evidence_chain": [
        "settlement setl_DVqAvSSY82FJPA settled 29 days after its latest payment capture (2026-06-03 -> 2026-07-02), beyond the normal T+N cycle"
      ],
      "recommended_action": "Confirm the settlement period for month-end close; may require an accrual entry.",
      "severity": "STANDARD",
      "suggested_owner": "Finance Ops",
      "trace_file": null
    },
    {
      "affected": {
        "bank_txn_id": "btxn_gkhPApohVGVZ"
      },
      "aging_days": 62,
      "amount_at_risk_paise": 1354000,
      "category": "UNIDENTIFIED_CREDIT",
      "evidence_chain": [
        "credit btxn_gkhPApohVGVZ (1354000p) matches no settlement UTR, prefix, or amount/date/narration tolerance candidate"
      ],
      "recommended_action": "Identify the payer; likely a direct customer transfer outside the PG flow.",
      "severity": "STANDARD",
      "suggested_owner": "Reconciliation Ops",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_avcU1qjyghbZf1"
      },
      "aging_days": 3,
      "amount_at_risk_paise": 1071600,
      "category": "MISSING_SETTLEMENT",
      "evidence_chain": [
        "order order_fikJoK5IWVnSON has exactly one captured payment (pay_avcU1qjyghbZf1) and it has no settlement_id"
      ],
      "recommended_action": "Confirm settlement status with the PG; escalate if unsettled beyond SLA.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "order_id": "order_XxkTjZxx7NoJt5",
        "payment_id": "pay_WpncI2FGAwSpFK"
      },
      "aging_days": 10,
      "amount_at_risk_paise": 949290,
      "category": "DUPLICATE_PAYMENT",
      "evidence_chain": [
        "order order_XxkTjZxx7NoJt5 has 2 captured payments; pay_WpncI2FGAwSpFK has no settlement_id while at least one sibling payment does"
      ],
      "recommended_action": "Void or refund the duplicate payment after confirming with the PG.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "booked_order_id": "order_ikIFschwSirLnz",
        "payment_id": "pay_prMOODQeSlMcQU"
      },
      "aging_days": 63,
      "amount_at_risk_paise": 781413,
      "category": "REFUND_MISALLOCATION",
      "evidence_chain": [
        "payment pay_prMOODQeSlMcQU carries a refund and its gross (800300p) does not match order order_ikIFschwSirLnz's gross (57900p) - the refund is likely booked against the wrong order"
      ],
      "recommended_action": "Reassign the refund to the correct order and notify accounts of the correction.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "booked_order_id": "order_Sa4EcEFPQkTWzu",
        "payment_id": "pay_jcpXaQcw3wN21l"
      },
      "aging_days": 31,
      "amount_at_risk_paise": 776726,
      "category": "REFUND_MISALLOCATION",
      "evidence_chain": [
        "payment pay_jcpXaQcw3wN21l carries a refund and its gross (795500p) does not match order order_Sa4EcEFPQkTWzu's gross (63200p) - the refund is likely booked against the wrong order"
      ],
      "recommended_action": "Reassign the refund to the correct order and notify accounts of the correction.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_RMejvzSwrh9QXa"
      },
      "aging_days": 55,
      "amount_at_risk_paise": 726649,
      "category": "UNEXPLAINED_VARIANCE",
      "evidence_chain": [
        "payment pay_RMejvzSwrh9QXa's booked net (726649p) does not match any known fee-tier, GST-rate, refund, or order-gross hypothesis, and no L3 agent was configured to investigate further"
      ],
      "recommended_action": "No known fee/GST/refund/rounding hypothesis explains the observed delta; manual investigation required.",
      "severity": "STANDARD",
      "suggested_owner": "Reconciliation Ops",
      "trace_file": "sample_traces_live/pay_RMejvzSwrh9QXa.json"
    },
    {
      "affected": {
        "order_id": "order_ByeajnFMteUarK",
        "payment_id": "pay_bMqiwDFZ2Uq0aO"
      },
      "aging_days": 73,
      "amount_at_risk_paise": 654440,
      "category": "DUPLICATE_PAYMENT",
      "evidence_chain": [
        "order order_ByeajnFMteUarK has 2 captured payments; pay_bMqiwDFZ2Uq0aO has no settlement_id while at least one sibling payment does"
      ],
      "recommended_action": "Void or refund the duplicate payment after confirming with the PG.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_UalvMn0JQtVKLz"
      },
      "aging_days": 31,
      "amount_at_risk_paise": 616658,
      "category": "MISSING_SETTLEMENT",
      "evidence_chain": [
        "order order_vW9uyXoXBgrM31 has exactly one captured payment (pay_UalvMn0JQtVKLz) and it has no settlement_id"
      ],
      "recommended_action": "Confirm settlement status with the PG; escalate if unsettled beyond SLA.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "bank_txn_id": "btxn_PmMX9oUJ4qqc"
      },
      "aging_days": 7,
      "amount_at_risk_paise": 610900,
      "category": "UNIDENTIFIED_CREDIT",
      "evidence_chain": [
        "credit btxn_PmMX9oUJ4qqc (610900p) matches no settlement UTR, prefix, or amount/date/narration tolerance candidate"
      ],
      "recommended_action": "Identify the payer; likely a direct customer transfer outside the PG flow.",
      "severity": "STANDARD",
      "suggested_owner": "Reconciliation Ops",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_N4Kw6VnqSOsr8s"
      },
      "aging_days": 75,
      "amount_at_risk_paise": 551942,
      "category": "MISSING_SETTLEMENT",
      "evidence_chain": [
        "order order_oXjvKyUhorEYtB has exactly one captured payment (pay_N4Kw6VnqSOsr8s) and it has no settlement_id"
      ],
      "recommended_action": "Confirm settlement status with the PG; escalate if unsettled beyond SLA.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "bank_txn_id": "btxn_PBXpipaUlUzX"
      },
      "aging_days": 42,
      "amount_at_risk_paise": 542200,
      "category": "UNIDENTIFIED_CREDIT",
      "evidence_chain": [
        "credit btxn_PBXpipaUlUzX (542200p) matches no settlement UTR, prefix, or amount/date/narration tolerance candidate"
      ],
      "recommended_action": "Identify the payer; likely a direct customer transfer outside the PG flow.",
      "severity": "STANDARD",
      "suggested_owner": "Reconciliation Ops",
      "trace_file": null
    },
    {
      "affected": {
        "order_id": "order_qkATjuHp6AWDR4",
        "payment_id": "pay_u2cCQXnvH3Y11S"
      },
      "aging_days": 19,
      "amount_at_risk_paise": 529000,
      "category": "DUPLICATE_PAYMENT",
      "evidence_chain": [
        "order order_qkATjuHp6AWDR4 has 2 captured payments; pay_u2cCQXnvH3Y11S has no settlement_id while at least one sibling payment does"
      ],
      "recommended_action": "Void or refund the duplicate payment after confirming with the PG.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "bank_txn_id": "btxn_GV7ZfTfUMhnZ"
      },
      "aging_days": 6,
      "amount_at_risk_paise": 519900,
      "category": "UNIDENTIFIED_CREDIT",
      "evidence_chain": [
        "credit btxn_GV7ZfTfUMhnZ (519900p) matches no settlement UTR, prefix, or amount/date/narration tolerance candidate"
      ],
      "recommended_action": "Identify the payer; likely a direct customer transfer outside the PG flow.",
      "severity": "STANDARD",
      "suggested_owner": "Reconciliation Ops",
      "trace_file": null
    },
    {
      "affected": {
        "booked_order_id": "order_ZRdJmt1b7KumsH",
        "payment_id": "pay_LHwY94Ri3rsAiJ"
      },
      "aging_days": 23,
      "amount_at_risk_paise": 484880,
      "category": "REFUND_MISALLOCATION",
      "evidence_chain": [
        "payment pay_LHwY94Ri3rsAiJ carries a refund and its gross (496600p) does not match order order_ZRdJmt1b7KumsH's gross (217590p) - the refund is likely booked against the wrong order"
      ],
      "recommended_action": "Reassign the refund to the correct order and notify accounts of the correction.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "booked_order_id": "order_hcwY3twMDg3NmS",
        "payment_id": "pay_RaZCeRa8iOODnb"
      },
      "aging_days": 66,
      "amount_at_risk_paise": 481300,
      "category": "REFUND_MISALLOCATION",
      "evidence_chain": [
        "payment pay_RaZCeRa8iOODnb carries a refund and its gross (771345p) does not match order order_hcwY3twMDg3NmS's gross (58934p) - the refund is likely booked against the wrong order"
      ],
      "recommended_action": "Reassign the refund to the correct order and notify accounts of the correction.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "bank_txn_id": "btxn_xv5YyiRpQk3V"
      },
      "aging_days": 61,
      "amount_at_risk_paise": 468300,
      "category": "UNIDENTIFIED_CREDIT",
      "evidence_chain": [
        "credit btxn_xv5YyiRpQk3V (468300p) matches no settlement UTR, prefix, or amount/date/narration tolerance candidate"
      ],
      "recommended_action": "Identify the payer; likely a direct customer transfer outside the PG flow.",
      "severity": "STANDARD",
      "suggested_owner": "Reconciliation Ops",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_pPwXAHt49tyNXJ"
      },
      "aging_days": 61,
      "amount_at_risk_paise": 304800,
      "category": "MISSING_SETTLEMENT",
      "evidence_chain": [
        "order order_ILUIc1tNjq8G1V has exactly one captured payment (pay_pPwXAHt49tyNXJ) and it has no settlement_id"
      ],
      "recommended_action": "Confirm settlement status with the PG; escalate if unsettled beyond SLA.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_LZSnpadz8i3Z3O"
      },
      "aging_days": 2,
      "amount_at_risk_paise": 298100,
      "category": "MISSING_SETTLEMENT",
      "evidence_chain": [
        "order order_coiKh875h5GCBM has exactly one captured payment (pay_LZSnpadz8i3Z3O) and it has no settlement_id"
      ],
      "recommended_action": "Confirm settlement status with the PG; escalate if unsettled beyond SLA.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "order_id": "order_svmacRBFBsrwmF",
        "payment_id": "pay_SJnhghryQnPIUZ"
      },
      "aging_days": 51,
      "amount_at_risk_paise": 296325,
      "category": "FX_VARIANCE",
      "evidence_chain": [
        "international payment gross (20051325p) differs from the invoiced order gross (19755000p) by 296325p"
      ],
      "recommended_action": "Reconcile against the booked FX rate; verify with the PG's FX statement.",
      "severity": "STANDARD",
      "suggested_owner": "Treasury",
      "trace_file": null
    },
    {
      "affected": {
        "booked_order_id": "order_QJoyDUWITr0eIY",
        "payment_id": "pay_8hvOeLOTfbRyYB"
      },
      "aging_days": 89,
      "amount_at_risk_paise": 293900,
      "category": "REFUND_MISALLOCATION",
      "evidence_chain": [
        "payment pay_8hvOeLOTfbRyYB carries a refund and its gross (293900p) does not match order order_QJoyDUWITr0eIY's gross (14200p) - the refund is likely booked against the wrong order"
      ],
      "recommended_action": "Reassign the refund to the correct order and notify accounts of the correction.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_prMCLfLHnmT3xM"
      },
      "aging_days": 42,
      "amount_at_risk_paise": 291416,
      "category": "MISSING_SETTLEMENT",
      "evidence_chain": [
        "order order_Cblse43Ws4DSN5 has exactly one captured payment (pay_prMCLfLHnmT3xM) and it has no settlement_id"
      ],
      "recommended_action": "Confirm settlement status with the PG; escalate if unsettled beyond SLA.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "bank_txn_id": "btxn_ZwH13fdPdURD"
      },
      "aging_days": 26,
      "amount_at_risk_paise": 289000,
      "category": "UNIDENTIFIED_CREDIT",
      "evidence_chain": [
        "credit btxn_ZwH13fdPdURD (289000p) matches no settlement UTR, prefix, or amount/date/narration tolerance candidate"
      ],
      "recommended_action": "Identify the payer; likely a direct customer transfer outside the PG flow.",
      "severity": "STANDARD",
      "suggested_owner": "Reconciliation Ops",
      "trace_file": null
    },
    {
      "affected": {
        "order_id": "order_dDlNusicVMYCBU",
        "payment_id": "pay_okN5AJZ1OIc3Fi"
      },
      "aging_days": 3,
      "amount_at_risk_paise": 286000,
      "category": "DUPLICATE_PAYMENT",
      "evidence_chain": [
        "order order_dDlNusicVMYCBU has 2 captured payments; pay_okN5AJZ1OIc3Fi has no settlement_id while at least one sibling payment does"
      ],
      "recommended_action": "Void or refund the duplicate payment after confirming with the PG.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_svotmeI4C4vXY3"
      },
      "aging_days": 69,
      "amount_at_risk_paise": 272732,
      "category": "MISSING_SETTLEMENT",
      "evidence_chain": [
        "order order_tFe8CiRehkLl7j has exactly one captured payment (pay_svotmeI4C4vXY3) and it has no settlement_id"
      ],
      "recommended_action": "Confirm settlement status with the PG; escalate if unsettled beyond SLA.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "bank_txn_id": "btxn_iNUm1Hnwpwmz"
      },
      "aging_days": 18,
      "amount_at_risk_paise": 261600,
      "category": "UNIDENTIFIED_CREDIT",
      "evidence_chain": [
        "credit btxn_iNUm1Hnwpwmz (261600p) matches no settlement UTR, prefix, or amount/date/narration tolerance candidate"
      ],
      "recommended_action": "Identify the payer; likely a direct customer transfer outside the PG flow.",
      "severity": "STANDARD",
      "suggested_owner": "Reconciliation Ops",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_sTD3yhPopbEzHP"
      },
      "aging_days": 54,
      "amount_at_risk_paise": 256200,
      "category": "MISSING_SETTLEMENT",
      "evidence_chain": [
        "order order_YABRLS3Fq16sfL has exactly one captured payment (pay_sTD3yhPopbEzHP) and it has no settlement_id"
      ],
      "recommended_action": "Confirm settlement status with the PG; escalate if unsettled beyond SLA.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "order_id": "order_9A3jsGY3XgkFrJ",
        "payment_id": "pay_DduEh3pwNje2Fg"
      },
      "aging_days": 68,
      "amount_at_risk_paise": 254800,
      "category": "DUPLICATE_PAYMENT",
      "evidence_chain": [
        "order order_9A3jsGY3XgkFrJ has 2 captured payments; pay_DduEh3pwNje2Fg has no settlement_id while at least one sibling payment does"
      ],
      "recommended_action": "Void or refund the duplicate payment after confirming with the PG.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "order_id": "order_5qYLlZLpAiRQwX",
        "payment_id": "pay_DiEFR2BDn2DOA7"
      },
      "aging_days": 46,
      "amount_at_risk_paise": 247282,
      "category": "DUPLICATE_PAYMENT",
      "evidence_chain": [
        "order order_5qYLlZLpAiRQwX has 2 captured payments; pay_DiEFR2BDn2DOA7 has no settlement_id while at least one sibling payment does"
      ],
      "recommended_action": "Void or refund the duplicate payment after confirming with the PG.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_cjGyHB8wgnBGyx"
      },
      "aging_days": 23,
      "amount_at_risk_paise": 231407,
      "category": "MISSING_SETTLEMENT",
      "evidence_chain": [
        "order order_U6DpnGsAbpT9TK has exactly one captured payment (pay_cjGyHB8wgnBGyx) and it has no settlement_id"
      ],
      "recommended_action": "Confirm settlement status with the PG; escalate if unsettled beyond SLA.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "settlement_id": "setl_3rMbn8xjoEgqd6"
      },
      "aging_days": 28,
      "amount_at_risk_paise": 225300,
      "category": "PERIOD_CUTOFF",
      "evidence_chain": [
        "settlement setl_3rMbn8xjoEgqd6 settled 17 days after its latest payment capture (2026-07-17 -> 2026-08-03), beyond the normal T+N cycle"
      ],
      "recommended_action": "Confirm the settlement period for month-end close; may require an accrual entry.",
      "severity": "STANDARD",
      "suggested_owner": "Finance Ops",
      "trace_file": null
    },
    {
      "affected": {
        "settlement_id": "setl_3APhs3wVNUzCBo"
      },
      "aging_days": 28,
      "amount_at_risk_paise": 217834,
      "category": "PERIOD_CUTOFF",
      "evidence_chain": [
        "settlement setl_3APhs3wVNUzCBo settled 28 days after its latest payment capture (2026-07-06 -> 2026-08-03), beyond the normal T+N cycle"
      ],
      "recommended_action": "Confirm the settlement period for month-end close; may require an accrual entry.",
      "severity": "STANDARD",
      "suggested_owner": "Finance Ops",
      "trace_file": null
    },
    {
      "affected": {
        "order_id": "order_Suo3fxPK0Uvkxw",
        "payment_id": "pay_NoNOG9wQHaPGQR"
      },
      "aging_days": 38,
      "amount_at_risk_paise": 211391,
      "category": "DUPLICATE_PAYMENT",
      "evidence_chain": [
        "order order_Suo3fxPK0Uvkxw has 2 captured payments; pay_NoNOG9wQHaPGQR has no settlement_id while at least one sibling payment does"
      ],
      "recommended_action": "Void or refund the duplicate payment after confirming with the PG.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_WQRMWgetkP62eF"
      },
      "aging_days": 0,
      "amount_at_risk_paise": 200900,
      "category": "MISSING_SETTLEMENT",
      "evidence_chain": [
        "order order_7hgMN7vojET61i has exactly one captured payment (pay_WQRMWgetkP62eF) and it has no settlement_id"
      ],
      "recommended_action": "Confirm settlement status with the PG; escalate if unsettled beyond SLA.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "booked_order_id": "order_ugkQ1I5eeycrEd",
        "payment_id": "pay_7X8QEg7tomYDs0"
      },
      "aging_days": 69,
      "amount_at_risk_paise": 200400,
      "category": "REFUND_MISALLOCATION",
      "evidence_chain": [
        "payment pay_7X8QEg7tomYDs0 carries a refund and its gross (200400p) does not match order order_ugkQ1I5eeycrEd's gross (91100p) - the refund is likely booked against the wrong order"
      ],
      "recommended_action": "Reassign the refund to the correct order and notify accounts of the correction.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "order_id": "order_7e56RlfGeIabC0",
        "payment_id": "pay_Nq6ZcRDxlFSonZ"
      },
      "aging_days": 46,
      "amount_at_risk_paise": 199409,
      "category": "FX_VARIANCE",
      "evidence_chain": [
        "international payment gross (13094491p) differs from the invoiced order gross (13293900p) by -199409p"
      ],
      "recommended_action": "Reconcile against the booked FX rate; verify with the PG's FX statement.",
      "severity": "STANDARD",
      "suggested_owner": "Treasury",
      "trace_file": null
    },
    {
      "affected": {
        "order_id": "order_W9mI6ywciZYtOD",
        "payment_id": "pay_mSRVB6ceKEiZOr"
      },
      "aging_days": 31,
      "amount_at_risk_paise": 167700,
      "category": "DUPLICATE_PAYMENT",
      "evidence_chain": [
        "order order_W9mI6ywciZYtOD has 2 captured payments; pay_mSRVB6ceKEiZOr has no settlement_id while at least one sibling payment does"
      ],
      "recommended_action": "Void or refund the duplicate payment after confirming with the PG.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "order_id": "order_vJHRX4FPlw13v6",
        "payment_id": "pay_1A8JYY7GkAqBkC"
      },
      "aging_days": 4,
      "amount_at_risk_paise": 128006,
      "category": "DUPLICATE_PAYMENT",
      "evidence_chain": [
        "order order_vJHRX4FPlw13v6 has 2 captured payments; pay_1A8JYY7GkAqBkC has no settlement_id while at least one sibling payment does"
      ],
      "recommended_action": "Void or refund the duplicate payment after confirming with the PG.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "bank_txn_id": "btxn_nYU3ELM8kY5K"
      },
      "aging_days": 17,
      "amount_at_risk_paise": 117000,
      "category": "UNIDENTIFIED_CREDIT",
      "evidence_chain": [
        "credit btxn_nYU3ELM8kY5K (117000p) matches no settlement UTR, prefix, or amount/date/narration tolerance candidate"
      ],
      "recommended_action": "Identify the payer; likely a direct customer transfer outside the PG flow.",
      "severity": "STANDARD",
      "suggested_owner": "Reconciliation Ops",
      "trace_file": null
    },
    {
      "affected": {
        "order_id": "order_0z88KY7gpzG90m",
        "payment_id": "pay_rgICBTq2nFDQKZ"
      },
      "aging_days": 54,
      "amount_at_risk_paise": 111128,
      "category": "FX_VARIANCE",
      "evidence_chain": [
        "international payment gross (4556228p) differs from the invoiced order gross (4445100p) by 111128p"
      ],
      "recommended_action": "Reconcile against the booked FX rate; verify with the PG's FX statement.",
      "severity": "STANDARD",
      "suggested_owner": "Treasury",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_dGxUjmPIxeeXo4"
      },
      "aging_days": 5,
      "amount_at_risk_paise": 101341,
      "category": "UNEXPLAINED_VARIANCE",
      "evidence_chain": [
        "payment pay_dGxUjmPIxeeXo4's booked net (101341p) does not match any known fee-tier, GST-rate, refund, or order-gross hypothesis, and no L3 agent was configured to investigate further"
      ],
      "recommended_action": "No known fee/GST/refund/rounding hypothesis explains the observed delta; manual investigation required.",
      "severity": "STANDARD",
      "suggested_owner": "Reconciliation Ops",
      "trace_file": "sample_traces_live/pay_dGxUjmPIxeeXo4.json"
    },
    {
      "affected": {
        "order_id": "order_jcSI7sDTOeVmKl",
        "payment_id": "pay_Y3bYi2SlPWsvQy"
      },
      "aging_days": 40,
      "amount_at_risk_paise": 100018,
      "category": "FX_VARIANCE",
      "evidence_chain": [
        "international payment gross (2600464p) differs from the invoiced order gross (2500446p) by 100018p"
      ],
      "recommended_action": "Reconcile against the booked FX rate; verify with the PG's FX statement.",
      "severity": "STANDARD",
      "suggested_owner": "Treasury",
      "trace_file": null
    },
    {
      "affected": {
        "order_id": "order_ugkQ1I5eeycrEd",
        "payment_id": "pay_VPF1xnIskKBf39"
      },
      "aging_days": 69,
      "amount_at_risk_paise": 91100,
      "category": "DUPLICATE_PAYMENT",
      "evidence_chain": [
        "order order_ugkQ1I5eeycrEd has 3 captured payments; pay_VPF1xnIskKBf39 has no settlement_id while at least one sibling payment does"
      ],
      "recommended_action": "Void or refund the duplicate payment after confirming with the PG.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "bank_txn_id": "btxn_n8enG7j6CRI9"
      },
      "aging_days": 81,
      "amount_at_risk_paise": 88000,
      "category": "UNIDENTIFIED_CREDIT",
      "evidence_chain": [
        "credit btxn_n8enG7j6CRI9 (88000p) matches no settlement UTR, prefix, or amount/date/narration tolerance candidate"
      ],
      "recommended_action": "Identify the payer; likely a direct customer transfer outside the PG flow.",
      "severity": "STANDARD",
      "suggested_owner": "Reconciliation Ops",
      "trace_file": null
    },
    {
      "affected": {
        "order_id": "order_SOH5XrFT6Tv1p4",
        "payment_id": "pay_KSNI4wlE5kAqKX"
      },
      "aging_days": 86,
      "amount_at_risk_paise": 84983,
      "category": "FX_VARIANCE",
      "evidence_chain": [
        "international payment gross (3484283p) differs from the invoiced order gross (3399300p) by 84983p"
      ],
      "recommended_action": "Reconcile against the booked FX rate; verify with the PG's FX statement.",
      "severity": "STANDARD",
      "suggested_owner": "Treasury",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_zbyBhmiCi3mABg"
      },
      "aging_days": 86,
      "amount_at_risk_paise": 81000,
      "category": "MISSING_SETTLEMENT",
      "evidence_chain": [
        "order order_rLh8ZtErY5ot7v has exactly one captured payment (pay_zbyBhmiCi3mABg) and it has no settlement_id"
      ],
      "recommended_action": "Confirm settlement status with the PG; escalate if unsettled beyond SLA.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_3egKQ6BCralBAI"
      },
      "aging_days": 80,
      "amount_at_risk_paise": 67266,
      "category": "UNEXPLAINED_VARIANCE",
      "evidence_chain": [
        "payment pay_3egKQ6BCralBAI's booked net (67266p) does not match any known fee-tier, GST-rate, refund, or order-gross hypothesis, and no L3 agent was configured to investigate further"
      ],
      "recommended_action": "No known fee/GST/refund/rounding hypothesis explains the observed delta; manual investigation required.",
      "severity": "STANDARD",
      "suggested_owner": "Reconciliation Ops",
      "trace_file": "sample_traces_live/pay_3egKQ6BCralBAI.json"
    },
    {
      "affected": {
        "payment_id": "pay_X7FAjKOYOLSuWY"
      },
      "aging_days": 26,
      "amount_at_risk_paise": 60400,
      "category": "MISSING_SETTLEMENT",
      "evidence_chain": [
        "order order_nnB9l7j8gwYh9c has exactly one captured payment (pay_X7FAjKOYOLSuWY) and it has no settlement_id"
      ],
      "recommended_action": "Confirm settlement status with the PG; escalate if unsettled beyond SLA.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "order_id": "order_T3msyV7GfOUJJM",
        "payment_id": "pay_XutKSS6Yiz1cEV"
      },
      "aging_days": 39,
      "amount_at_risk_paise": 59660,
      "category": "DUPLICATE_PAYMENT",
      "evidence_chain": [
        "order order_T3msyV7GfOUJJM has 2 captured payments; pay_XutKSS6Yiz1cEV has no settlement_id while at least one sibling payment does"
      ],
      "recommended_action": "Void or refund the duplicate payment after confirming with the PG.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_Yw6hEZsEyvZMNn"
      },
      "aging_days": 1,
      "amount_at_risk_paise": 57457,
      "category": "UNEXPLAINED_VARIANCE",
      "evidence_chain": [
        "payment pay_Yw6hEZsEyvZMNn's booked net (57457p) does not match any known fee-tier, GST-rate, refund, or order-gross hypothesis, and no L3 agent was configured to investigate further"
      ],
      "recommended_action": "No known fee/GST/refund/rounding hypothesis explains the observed delta; manual investigation required.",
      "severity": "STANDARD",
      "suggested_owner": "Reconciliation Ops",
      "trace_file": "sample_traces_live/pay_Yw6hEZsEyvZMNn.json"
    },
    {
      "affected": {
        "payment_id": "pay_a7eJ1gseDhP4zL",
        "settlement_id": "setl_PbhUdB6RBB0cOw"
      },
      "aging_days": 12,
      "amount_at_risk_paise": 55092,
      "category": "TAX_VARIANCE",
      "evidence_chain": [
        "booked GST does not match 18% of the fee; delta -55092p",
        "observed net matches GST charged at 2800 bps instead of the correct 1800 bps"
      ],
      "recommended_action": "Recompute GST at 18% of the fee; correct the settlement and GSTR filing accordingly.",
      "severity": "STANDARD",
      "suggested_owner": "Tax & Compliance",
      "trace_file": null
    },
    {
      "affected": {
        "settlement_id": "setl_e4NK9rkqvyiMlR"
      },
      "aging_days": 59,
      "amount_at_risk_paise": 50675,
      "category": "PERIOD_CUTOFF",
      "evidence_chain": [
        "settlement setl_e4NK9rkqvyiMlR settled 17 days after its latest payment capture (2026-06-16 -> 2026-07-03), beyond the normal T+N cycle"
      ],
      "recommended_action": "Confirm the settlement period for month-end close; may require an accrual entry.",
      "severity": "STANDARD",
      "suggested_owner": "Finance Ops",
      "trace_file": null
    },
    {
      "affected": {
        "booked_order_id": "order_noGHvtH6ol5kJe",
        "payment_id": "pay_GaBqCZHT930gpy"
      },
      "aging_days": 67,
      "amount_at_risk_paise": 49800,
      "category": "REFUND_MISALLOCATION",
      "evidence_chain": [
        "payment pay_GaBqCZHT930gpy carries a refund and its gross (106800p) does not match order order_noGHvtH6ol5kJe's gross (641874p) - the refund is likely booked against the wrong order"
      ],
      "recommended_action": "Reassign the refund to the correct order and notify accounts of the correction.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_CFFSqf1pRrtIKI"
      },
      "aging_days": 37,
      "amount_at_risk_paise": 49100,
      "category": "MISSING_SETTLEMENT",
      "evidence_chain": [
        "order order_nHm3OpXBtkwYte has exactly one captured payment (pay_CFFSqf1pRrtIKI) and it has no settlement_id"
      ],
      "recommended_action": "Confirm settlement status with the PG; escalate if unsettled beyond SLA.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "bank_txn_id": "btxn_5EUfLXfsgbPN"
      },
      "aging_days": 25,
      "amount_at_risk_paise": 48400,
      "category": "ORPHAN_CHARGEBACK",
      "evidence_chain": [
        "debit btxn_5EUfLXfsgbPN (48400p) carries no dispute reference resolvable to a known payment_id"
      ],
      "recommended_action": "Match the chargeback to its originating payment, or escalate as an unexplained debit.",
      "severity": "STANDARD",
      "suggested_owner": "Disputes & Risk",
      "trace_file": null
    },
    {
      "affected": {
        "order_id": "order_09Ygk7RIQCC4xO",
        "payment_id": "pay_cwlxvwluUHDrTp"
      },
      "aging_days": 40,
      "amount_at_risk_paise": 45470,
      "category": "FX_VARIANCE",
      "evidence_chain": [
        "international payment gross (1864270p) differs from the invoiced order gross (1818800p) by 45470p"
      ],
      "recommended_action": "Reconcile against the booked FX rate; verify with the PG's FX statement.",
      "severity": "STANDARD",
      "suggested_owner": "Treasury",
      "trace_file": null
    },
    {
      "affected": {
        "bank_txn_id": "btxn_O3r7Zie4gH1w"
      },
      "aging_days": 10,
      "amount_at_risk_paise": 45200,
      "category": "ORPHAN_CHARGEBACK",
      "evidence_chain": [
        "debit btxn_O3r7Zie4gH1w (45200p) carries no dispute reference resolvable to a known payment_id"
      ],
      "recommended_action": "Match the chargeback to its originating payment, or escalate as an unexplained debit.",
      "severity": "STANDARD",
      "suggested_owner": "Disputes & Risk",
      "trace_file": null
    },
    {
      "affected": {
        "bank_txn_id": "btxn_6qSKRkaAbdhA"
      },
      "aging_days": 74,
      "amount_at_risk_paise": 43700,
      "category": "ORPHAN_CHARGEBACK",
      "evidence_chain": [
        "debit btxn_6qSKRkaAbdhA (43700p) carries no dispute reference resolvable to a known payment_id"
      ],
      "recommended_action": "Match the chargeback to its originating payment, or escalate as an unexplained debit.",
      "severity": "STANDARD",
      "suggested_owner": "Disputes & Risk",
      "trace_file": null
    },
    {
      "affected": {
        "booked_order_id": "order_JIlIzQBs01XOSK",
        "payment_id": "pay_g2vcLAyH8JDQIA"
      },
      "aging_days": 21,
      "amount_at_risk_paise": 40900,
      "category": "REFUND_MISALLOCATION",
      "evidence_chain": [
        "payment pay_g2vcLAyH8JDQIA carries a refund and its gross (40900p) does not match order order_JIlIzQBs01XOSK's gross (297600p) - the refund is likely booked against the wrong order"
      ],
      "recommended_action": "Reassign the refund to the correct order and notify accounts of the correction.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "settlement_id": "setl_jgklJKKgZbm9gT"
      },
      "aging_days": 0,
      "amount_at_risk_paise": 40077,
      "category": "PERIOD_CUTOFF",
      "evidence_chain": [
        "settlement setl_jgklJKKgZbm9gT settled 14 days after its latest payment capture (2026-08-20 -> 2026-09-03), beyond the normal T+N cycle"
      ],
      "recommended_action": "Confirm the settlement period for month-end close; may require an accrual entry.",
      "severity": "STANDARD",
      "suggested_owner": "Finance Ops",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_SlE3QiXiIgfNWi"
      },
      "aging_days": 61,
      "amount_at_risk_paise": 38839,
      "category": "MISSING_SETTLEMENT",
      "evidence_chain": [
        "order order_oejijFMxRSODxU has exactly one captured payment (pay_SlE3QiXiIgfNWi) and it has no settlement_id"
      ],
      "recommended_action": "Confirm settlement status with the PG; escalate if unsettled beyond SLA.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "bank_txn_id": "btxn_2LVr4GnnzCfe"
      },
      "aging_days": 13,
      "amount_at_risk_paise": 38800,
      "category": "ORPHAN_CHARGEBACK",
      "evidence_chain": [
        "debit btxn_2LVr4GnnzCfe (38800p) carries no dispute reference resolvable to a known payment_id"
      ],
      "recommended_action": "Match the chargeback to its originating payment, or escalate as an unexplained debit.",
      "severity": "STANDARD",
      "suggested_owner": "Disputes & Risk",
      "trace_file": null
    },
    {
      "affected": {
        "bank_txn_id": "btxn_RwOBoZlB8SJX"
      },
      "aging_days": 44,
      "amount_at_risk_paise": 38000,
      "category": "ORPHAN_CHARGEBACK",
      "evidence_chain": [
        "debit btxn_RwOBoZlB8SJX (38000p) carries no dispute reference resolvable to a known payment_id"
      ],
      "recommended_action": "Match the chargeback to its originating payment, or escalate as an unexplained debit.",
      "severity": "STANDARD",
      "suggested_owner": "Disputes & Risk",
      "trace_file": null
    },
    {
      "affected": {
        "bank_txn_id": "btxn_jipQV2DfDqmf"
      },
      "aging_days": 3,
      "amount_at_risk_paise": 37700,
      "category": "ORPHAN_CHARGEBACK",
      "evidence_chain": [
        "debit btxn_jipQV2DfDqmf (37700p) carries no dispute reference resolvable to a known payment_id"
      ],
      "recommended_action": "Match the chargeback to its originating payment, or escalate as an unexplained debit.",
      "severity": "STANDARD",
      "suggested_owner": "Disputes & Risk",
      "trace_file": null
    },
    {
      "affected": {
        "bank_txn_id": "btxn_VZkrVFpYPKkQ"
      },
      "aging_days": 11,
      "amount_at_risk_paise": 36100,
      "category": "ORPHAN_CHARGEBACK",
      "evidence_chain": [
        "debit btxn_VZkrVFpYPKkQ (36100p) carries no dispute reference resolvable to a known payment_id"
      ],
      "recommended_action": "Match the chargeback to its originating payment, or escalate as an unexplained debit.",
      "severity": "STANDARD",
      "suggested_owner": "Disputes & Risk",
      "trace_file": null
    },
    {
      "affected": {
        "bank_txn_id": "btxn_d8dd3s7ylV7i"
      },
      "aging_days": 13,
      "amount_at_risk_paise": 34700,
      "category": "ORPHAN_CHARGEBACK",
      "evidence_chain": [
        "debit btxn_d8dd3s7ylV7i (34700p) carries no dispute reference resolvable to a known payment_id"
      ],
      "recommended_action": "Match the chargeback to its originating payment, or escalate as an unexplained debit.",
      "severity": "STANDARD",
      "suggested_owner": "Disputes & Risk",
      "trace_file": null
    },
    {
      "affected": {
        "order_id": "order_4MOTK0xbOwDdpu",
        "payment_id": "pay_MhzjPuYMvuM1XG"
      },
      "aging_days": 72,
      "amount_at_risk_paise": 32000,
      "category": "DUPLICATE_PAYMENT",
      "evidence_chain": [
        "order order_4MOTK0xbOwDdpu has 2 captured payments; pay_MhzjPuYMvuM1XG has no settlement_id while at least one sibling payment does"
      ],
      "recommended_action": "Void or refund the duplicate payment after confirming with the PG.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "order_id": "order_jnLA6z7iwU9JcV",
        "payment_id": "pay_6x7P7wj1TOivjb"
      },
      "aging_days": 30,
      "amount_at_risk_paise": 29500,
      "category": "DUPLICATE_PAYMENT",
      "evidence_chain": [
        "order order_jnLA6z7iwU9JcV has 2 captured payments; pay_6x7P7wj1TOivjb has no settlement_id while at least one sibling payment does"
      ],
      "recommended_action": "Void or refund the duplicate payment after confirming with the PG.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "order_id": "order_g1pnSZcZUD248E",
        "payment_id": "pay_321mSm7DcDg6NM"
      },
      "aging_days": 23,
      "amount_at_risk_paise": 28769,
      "category": "DUPLICATE_PAYMENT",
      "evidence_chain": [
        "order order_g1pnSZcZUD248E has 2 captured payments; pay_321mSm7DcDg6NM has no settlement_id while at least one sibling payment does"
      ],
      "recommended_action": "Void or refund the duplicate payment after confirming with the PG.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "order_id": "order_W3y2dfXsgwgiHh",
        "payment_id": "pay_HSO8eVh9hhxsYJ"
      },
      "aging_days": 63,
      "amount_at_risk_paise": 27965,
      "category": "FX_VARIANCE",
      "evidence_chain": [
        "international payment gross (1146565p) differs from the invoiced order gross (1118600p) by 27965p"
      ],
      "recommended_action": "Reconcile against the booked FX rate; verify with the PG's FX statement.",
      "severity": "STANDARD",
      "suggested_owner": "Treasury",
      "trace_file": null
    },
    {
      "affected": {
        "bank_txn_id": "btxn_H7Oi0lYf0DPw"
      },
      "aging_days": 56,
      "amount_at_risk_paise": 27700,
      "category": "ORPHAN_CHARGEBACK",
      "evidence_chain": [
        "debit btxn_H7Oi0lYf0DPw (27700p) carries no dispute reference resolvable to a known payment_id"
      ],
      "recommended_action": "Match the chargeback to its originating payment, or escalate as an unexplained debit.",
      "severity": "STANDARD",
      "suggested_owner": "Disputes & Risk",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_4EM6X3L2b7Kecc"
      },
      "aging_days": 77,
      "amount_at_risk_paise": 27600,
      "category": "MISSING_SETTLEMENT",
      "evidence_chain": [
        "order order_ybcf1qWcYCcCVT has exactly one captured payment (pay_4EM6X3L2b7Kecc) and it has no settlement_id"
      ],
      "recommended_action": "Confirm settlement status with the PG; escalate if unsettled beyond SLA.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "bank_txn_id": "btxn_LQ9JksYkqx6R"
      },
      "aging_days": 20,
      "amount_at_risk_paise": 22500,
      "category": "ORPHAN_CHARGEBACK",
      "evidence_chain": [
        "debit btxn_LQ9JksYkqx6R (22500p) carries no dispute reference resolvable to a known payment_id"
      ],
      "recommended_action": "Match the chargeback to its originating payment, or escalate as an unexplained debit.",
      "severity": "STANDARD",
      "suggested_owner": "Disputes & Risk",
      "trace_file": null
    },
    {
      "affected": {
        "bank_txn_id": "btxn_CVrQqFjBzCKl"
      },
      "aging_days": 30,
      "amount_at_risk_paise": 21400,
      "category": "ORPHAN_CHARGEBACK",
      "evidence_chain": [
        "debit btxn_CVrQqFjBzCKl (21400p) carries no dispute reference resolvable to a known payment_id"
      ],
      "recommended_action": "Match the chargeback to its originating payment, or escalate as an unexplained debit.",
      "severity": "STANDARD",
      "suggested_owner": "Disputes & Risk",
      "trace_file": null
    },
    {
      "affected": {
        "order_id": "order_1YagY0p6DQtnht",
        "payment_id": "pay_l5R1Um1OKyZRxF"
      },
      "aging_days": 81,
      "amount_at_risk_paise": 18300,
      "category": "DUPLICATE_PAYMENT",
      "evidence_chain": [
        "order order_1YagY0p6DQtnht has 2 captured payments; pay_l5R1Um1OKyZRxF has no settlement_id while at least one sibling payment does"
      ],
      "recommended_action": "Void or refund the duplicate payment after confirming with the PG.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "bank_txn_id": "btxn_UNTwgPCLONJK"
      },
      "aging_days": 41,
      "amount_at_risk_paise": 18100,
      "category": "ORPHAN_CHARGEBACK",
      "evidence_chain": [
        "debit btxn_UNTwgPCLONJK (18100p) carries no dispute reference resolvable to a known payment_id"
      ],
      "recommended_action": "Match the chargeback to its originating payment, or escalate as an unexplained debit.",
      "severity": "STANDARD",
      "suggested_owner": "Disputes & Risk",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_1VQyaLmF12PBP9"
      },
      "aging_days": 55,
      "amount_at_risk_paise": 18000,
      "category": "MISSING_SETTLEMENT",
      "evidence_chain": [
        "order order_483jCbkPCYk5Mu has exactly one captured payment (pay_1VQyaLmF12PBP9) and it has no settlement_id"
      ],
      "recommended_action": "Confirm settlement status with the PG; escalate if unsettled beyond SLA.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "bank_txn_id": "btxn_p5CdSXW9d5VC"
      },
      "aging_days": 6,
      "amount_at_risk_paise": 16800,
      "category": "ORPHAN_CHARGEBACK",
      "evidence_chain": [
        "debit btxn_p5CdSXW9d5VC (16800p) carries no dispute reference resolvable to a known payment_id"
      ],
      "recommended_action": "Match the chargeback to its originating payment, or escalate as an unexplained debit.",
      "severity": "STANDARD",
      "suggested_owner": "Disputes & Risk",
      "trace_file": null
    },
    {
      "affected": {
        "order_id": "order_eAO0tO3sY9igm3",
        "payment_id": "pay_8qDpOZBABEDLwt"
      },
      "aging_days": 23,
      "amount_at_risk_paise": 16300,
      "category": "DUPLICATE_PAYMENT",
      "evidence_chain": [
        "order order_eAO0tO3sY9igm3 has 2 captured payments; pay_8qDpOZBABEDLwt has no settlement_id while at least one sibling payment does"
      ],
      "recommended_action": "Void or refund the duplicate payment after confirming with the PG.",
      "severity": "STANDARD",
      "suggested_owner": "Payments Ops",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_gumcGFOQDqu9W3",
        "settlement_id": "setl_wzoX76GkVSNoMS"
      },
      "aging_days": 22,
      "amount_at_risk_paise": 16027,
      "category": "FEE_VARIANCE",
      "evidence_chain": [
        "compute_expected_fee(679100, 'upi', False) disagrees with the booked net by -16027p",
        "observed net matches the card/international=False MDR tier, not the booked upi/international=False tier"
      ],
      "recommended_action": "Recompute the fee at the correct MDR tier; recover the shortfall from the PG if applicable.",
      "severity": "STANDARD",
      "suggested_owner": "Finance Ops",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_ycgipNNk1ctJYx",
        "settlement_id": "setl_2Yx5FmTgpVciO6"
      },
      "aging_days": 5,
      "amount_at_risk_paise": 15795,
      "category": "FEE_VARIANCE",
      "evidence_chain": [
        "compute_expected_fee(669300, 'upi', False) disagrees with the booked net by -15795p",
        "observed net matches the card/international=False MDR tier, not the booked upi/international=False tier"
      ],
      "recommended_action": "Recompute the fee at the correct MDR tier; recover the shortfall from the PG if applicable.",
      "severity": "STANDARD",
      "suggested_owner": "Finance Ops",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_UU1N3Wv2HOYpXQ",
        "settlement_id": "setl_CM0jNAb6J3UOKG"
      },
      "aging_days": 37,
      "amount_at_risk_paise": 13457,
      "category": "TAX_VARIANCE",
      "evidence_chain": [
        "booked GST does not match 18% of the fee; delta -13457p",
        "observed net matches GST charged at 2800 bps instead of the correct 1800 bps"
      ],
      "recommended_action": "Recompute GST at 18% of the fee; correct the settlement and GSTR filing accordingly.",
      "severity": "STANDARD",
      "suggested_owner": "Tax & Compliance",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_SugYEjvM1c4mpq",
        "settlement_id": "setl_dhFa91amjOcQyE"
      },
      "aging_days": 34,
      "amount_at_risk_paise": 10252,
      "category": "FEE_VARIANCE",
      "evidence_chain": [
        "compute_expected_fee(434400, 'rupay_debit', False) disagrees with the booked net by -10252p",
        "observed net matches the card/international=False MDR tier, not the booked rupay_debit/international=False tier"
      ],
      "recommended_action": "Recompute the fee at the correct MDR tier; recover the shortfall from the PG if applicable.",
      "severity": "STANDARD",
      "suggested_owner": "Finance Ops",
      "trace_file": null
    },
    {
      "affected": {
        "bank_txn_id": "btxn_3Mvzw3V164bY"
      },
      "aging_days": 47,
      "amount_at_risk_paise": 9400,
      "category": "ORPHAN_CHARGEBACK",
      "evidence_chain": [
        "debit btxn_3Mvzw3V164bY (9400p) carries no dispute reference resolvable to a known payment_id"
      ],
      "recommended_action": "Match the chargeback to its originating payment, or escalate as an unexplained debit.",
      "severity": "STANDARD",
      "suggested_owner": "Disputes & Risk",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_XssP76lkMHFFaU",
        "settlement_id": "setl_oTy2VVmqp2QMGR"
      },
      "aging_days": 30,
      "amount_at_risk_paise": 7094,
      "category": "FEE_VARIANCE",
      "evidence_chain": [
        "compute_expected_fee(6011700, 'card', False) disagrees with the booked net by 7094p",
        "observed net matches the netbanking/international=False MDR tier, not the booked card/international=False tier"
      ],
      "recommended_action": "Recompute the fee at the correct MDR tier; recover the shortfall from the PG if applicable.",
      "severity": "STANDARD",
      "suggested_owner": "Finance Ops",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_mh57w0GfDrKBza",
        "settlement_id": "setl_7Hylr8kmXwy958"
      },
      "aging_days": 11,
      "amount_at_risk_paise": 7023,
      "category": "FEE_VARIANCE",
      "evidence_chain": [
        "compute_expected_fee(297600, 'upi', False) disagrees with the booked net by -7023p",
        "observed net matches the card/international=False MDR tier, not the booked upi/international=False tier"
      ],
      "recommended_action": "Recompute the fee at the correct MDR tier; recover the shortfall from the PG if applicable.",
      "severity": "STANDARD",
      "suggested_owner": "Finance Ops",
      "trace_file": null
    },
    {
      "affected": {
        "order_id": "order_2KSPbtSXa92p3X",
        "payment_id": "pay_qgQxekYFUPkGCE"
      },
      "aging_days": 52,
      "amount_at_risk_paise": 6702,
      "category": "FX_VARIANCE",
      "evidence_chain": [
        "international payment gross (453502p) differs from the invoiced order gross (446800p) by 6702p"
      ],
      "recommended_action": "Reconcile against the booked FX rate; verify with the PG's FX statement.",
      "severity": "STANDARD",
      "suggested_owner": "Treasury",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_BRlcbvxLtkeoOl",
        "settlement_id": "setl_z5d7bgDPtehIKm"
      },
      "aging_days": 82,
      "amount_at_risk_paise": 6011,
      "category": "FEE_VARIANCE",
      "evidence_chain": [
        "compute_expected_fee(254700, 'upi', False) disagrees with the booked net by -6011p",
        "observed net matches the card/international=False MDR tier, not the booked upi/international=False tier"
      ],
      "recommended_action": "Recompute the fee at the correct MDR tier; recover the shortfall from the PG if applicable.",
      "severity": "STANDARD",
      "suggested_owner": "Finance Ops",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_iP3ii9u5hmly1g",
        "settlement_id": "setl_plYULQNWXCOzvZ"
      },
      "aging_days": 31,
      "amount_at_risk_paise": 5932,
      "category": "TAX_VARIANCE",
      "evidence_chain": [
        "booked GST does not match 18% of the fee; delta 5932p",
        "observed net matches GST charged at 1200 bps instead of the correct 1800 bps"
      ],
      "recommended_action": "Recompute GST at 18% of the fee; correct the settlement and GSTR filing accordingly.",
      "severity": "STANDARD",
      "suggested_owner": "Tax & Compliance",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_gcx8r2sWYscJ6y",
        "settlement_id": "setl_W38ZLto1t6J4eS"
      },
      "aging_days": 65,
      "amount_at_risk_paise": 5738,
      "category": "TAX_VARIANCE",
      "evidence_chain": [
        "booked GST does not match 18% of the fee; delta -5738p",
        "observed net matches GST charged at 2800 bps instead of the correct 1800 bps"
      ],
      "recommended_action": "Recompute GST at 18% of the fee; correct the settlement and GSTR filing accordingly.",
      "severity": "STANDARD",
      "suggested_owner": "Tax & Compliance",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_XrR0om6jW6bMZz",
        "settlement_id": "setl_CI0DdUcm9SevW9"
      },
      "aging_days": 26,
      "amount_at_risk_paise": 5081,
      "category": "FEE_VARIANCE",
      "evidence_chain": [
        "compute_expected_fee(215300, 'upi', False) disagrees with the booked net by -5081p",
        "observed net matches the card/international=False MDR tier, not the booked upi/international=False tier"
      ],
      "recommended_action": "Recompute the fee at the correct MDR tier; recover the shortfall from the PG if applicable.",
      "severity": "STANDARD",
      "suggested_owner": "Finance Ops",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_JVN2MlnOxQdBLq",
        "settlement_id": "setl_M7XC4Wp9QorH42"
      },
      "aging_days": 11,
      "amount_at_risk_paise": 4718,
      "category": "FEE_VARIANCE",
      "evidence_chain": [
        "compute_expected_fee(3998200, 'card', False) disagrees with the booked net by 4718p",
        "observed net matches the netbanking/international=False MDR tier, not the booked card/international=False tier"
      ],
      "recommended_action": "Recompute the fee at the correct MDR tier; recover the shortfall from the PG if applicable.",
      "severity": "STANDARD",
      "suggested_owner": "Finance Ops",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_xotonczqqMXmMa",
        "settlement_id": "setl_5nmMpzwfRfjPAo"
      },
      "aging_days": 35,
      "amount_at_risk_paise": 4017,
      "category": "FEE_VARIANCE",
      "evidence_chain": [
        "compute_expected_fee(170200, 'upi', False) disagrees with the booked net by -4017p",
        "observed net matches the card/international=False MDR tier, not the booked upi/international=False tier"
      ],
      "recommended_action": "Recompute the fee at the correct MDR tier; recover the shortfall from the PG if applicable.",
      "severity": "STANDARD",
      "suggested_owner": "Finance Ops",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_8KGz9ccaFOsnNu",
        "settlement_id": "setl_Z9MpgQluW1WbM0"
      },
      "aging_days": 52,
      "amount_at_risk_paise": 3167,
      "category": "TAX_VARIANCE",
      "evidence_chain": [
        "booked GST does not match 18% of the fee; delta 3167p",
        "observed net matches GST charged at 1200 bps instead of the correct 1800 bps"
      ],
      "recommended_action": "Recompute GST at 18% of the fee; correct the settlement and GSTR filing accordingly.",
      "severity": "STANDARD",
      "suggested_owner": "Tax & Compliance",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_8vuGH4GmFtGSq6",
        "settlement_id": "setl_wzoX76GkVSNoMS"
      },
      "aging_days": 22,
      "amount_at_risk_paise": 2815,
      "category": "FEE_VARIANCE",
      "evidence_chain": [
        "compute_expected_fee(119300, 'upi', False) disagrees with the booked net by -2815p",
        "observed net matches the card/international=False MDR tier, not the booked upi/international=False tier"
      ],
      "recommended_action": "Recompute the fee at the correct MDR tier; recover the shortfall from the PG if applicable.",
      "severity": "STANDARD",
      "suggested_owner": "Finance Ops",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_Rv93Am0vjS7XQo",
        "settlement_id": "setl_ktWJLloa4rSQJd"
      },
      "aging_days": 2,
      "amount_at_risk_paise": 1923,
      "category": "TAX_VARIANCE",
      "evidence_chain": [
        "booked GST does not match 18% of the fee; delta 1923p",
        "observed net matches GST charged at 1200 bps instead of the correct 1800 bps"
      ],
      "recommended_action": "Recompute GST at 18% of the fee; correct the settlement and GSTR filing accordingly.",
      "severity": "STANDARD",
      "suggested_owner": "Tax & Compliance",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_de7oBxQK1c6IUK",
        "settlement_id": "setl_8zu5KcbxIQH71E"
      },
      "aging_days": 23,
      "amount_at_risk_paise": 1833,
      "category": "TAX_VARIANCE",
      "evidence_chain": [
        "booked GST does not match 18% of the fee; delta -1833p",
        "observed net matches GST charged at 2800 bps instead of the correct 1800 bps"
      ],
      "recommended_action": "Recompute GST at 18% of the fee; correct the settlement and GSTR filing accordingly.",
      "severity": "STANDARD",
      "suggested_owner": "Tax & Compliance",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_wBIBuJPpZkfnNy",
        "settlement_id": "setl_QTZThS1HN8MluG"
      },
      "aging_days": 78,
      "amount_at_risk_paise": 1775,
      "category": "FEE_VARIANCE",
      "evidence_chain": [
        "compute_expected_fee(1504100, 'netbanking', False) disagrees with the booked net by -1775p",
        "observed net matches the card/international=False MDR tier, not the booked netbanking/international=False tier"
      ],
      "recommended_action": "Recompute the fee at the correct MDR tier; recover the shortfall from the PG if applicable.",
      "severity": "STANDARD",
      "suggested_owner": "Finance Ops",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_KjfTy3kZDfR7yM",
        "settlement_id": "setl_xn4nLtJhj8sY2Z"
      },
      "aging_days": 9,
      "amount_at_risk_paise": 1659,
      "category": "FEE_VARIANCE",
      "evidence_chain": [
        "compute_expected_fee(70300, 'upi', False) disagrees with the booked net by -1659p",
        "observed net matches the card/international=False MDR tier, not the booked upi/international=False tier"
      ],
      "recommended_action": "Recompute the fee at the correct MDR tier; recover the shortfall from the PG if applicable.",
      "severity": "STANDARD",
      "suggested_owner": "Finance Ops",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_kozgW2lBlBnTk8",
        "settlement_id": "setl_GfyyaPopkXFa6r"
      },
      "aging_days": 70,
      "amount_at_risk_paise": 1260,
      "category": "FEE_VARIANCE",
      "evidence_chain": [
        "compute_expected_fee(53400, 'upi', False) disagrees with the booked net by -1260p",
        "observed net matches the card/international=False MDR tier, not the booked upi/international=False tier"
      ],
      "recommended_action": "Recompute the fee at the correct MDR tier; recover the shortfall from the PG if applicable.",
      "severity": "STANDARD",
      "suggested_owner": "Finance Ops",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_4xFCIlZ2l0DxfR",
        "settlement_id": "setl_P65ExMApYLxX4s"
      },
      "aging_days": 55,
      "amount_at_risk_paise": 841,
      "category": "TAX_VARIANCE",
      "evidence_chain": [
        "booked GST does not match 18% of the fee; delta -841p",
        "observed net matches GST charged at 2800 bps instead of the correct 1800 bps"
      ],
      "recommended_action": "Recompute GST at 18% of the fee; correct the settlement and GSTR filing accordingly.",
      "severity": "STANDARD",
      "suggested_owner": "Tax & Compliance",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_jlsYzsfP2zavT1",
        "settlement_id": "setl_JsokcIssfX8dlE"
      },
      "aging_days": 42,
      "amount_at_risk_paise": 808,
      "category": "TAX_VARIANCE",
      "evidence_chain": [
        "booked GST does not match 18% of the fee; delta 808p",
        "observed net matches GST charged at 1500 bps instead of the correct 1800 bps"
      ],
      "recommended_action": "Recompute GST at 18% of the fee; correct the settlement and GSTR filing accordingly.",
      "severity": "STANDARD",
      "suggested_owner": "Tax & Compliance",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_a9fzWJlQMxRnbH",
        "settlement_id": "setl_xn4nLtJhj8sY2Z"
      },
      "aging_days": 10,
      "amount_at_risk_paise": 649,
      "category": "FEE_VARIANCE",
      "evidence_chain": [
        "compute_expected_fee(27500, 'upi', False) disagrees with the booked net by -649p",
        "observed net matches the card/international=False MDR tier, not the booked upi/international=False tier"
      ],
      "recommended_action": "Recompute the fee at the correct MDR tier; recover the shortfall from the PG if applicable.",
      "severity": "STANDARD",
      "suggested_owner": "Finance Ops",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_jynyzIVmBanl6s",
        "settlement_id": "setl_9HYHEAN48LlsV7"
      },
      "aging_days": 65,
      "amount_at_risk_paise": 446,
      "category": "FEE_VARIANCE",
      "evidence_chain": [
        "compute_expected_fee(18900, 'upi', False) disagrees with the booked net by -446p",
        "observed net matches the card/international=False MDR tier, not the booked upi/international=False tier"
      ],
      "recommended_action": "Recompute the fee at the correct MDR tier; recover the shortfall from the PG if applicable.",
      "severity": "STANDARD",
      "suggested_owner": "Finance Ops",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_r5wY85diB18Frb",
        "settlement_id": "setl_Zfz63V77U1Y3ft"
      },
      "aging_days": 33,
      "amount_at_risk_paise": 445,
      "category": "TAX_VARIANCE",
      "evidence_chain": [
        "booked GST does not match 18% of the fee; delta 445p",
        "observed net matches GST charged at 1500 bps instead of the correct 1800 bps"
      ],
      "recommended_action": "Recompute GST at 18% of the fee; correct the settlement and GSTR filing accordingly.",
      "severity": "STANDARD",
      "suggested_owner": "Tax & Compliance",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_IKLrael3ArDNCP",
        "settlement_id": "setl_qB4spME3K3AnjZ"
      },
      "aging_days": 75,
      "amount_at_risk_paise": 414,
      "category": "TAX_VARIANCE",
      "evidence_chain": [
        "booked GST does not match 18% of the fee; delta 414p",
        "observed net matches GST charged at 1200 bps instead of the correct 1800 bps"
      ],
      "recommended_action": "Recompute GST at 18% of the fee; correct the settlement and GSTR filing accordingly.",
      "severity": "STANDARD",
      "suggested_owner": "Tax & Compliance",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_cER3wxQMI9IGs0",
        "settlement_id": "setl_0HOYm6CA19EZJG"
      },
      "aging_days": 62,
      "amount_at_risk_paise": 288,
      "category": "TAX_VARIANCE",
      "evidence_chain": [
        "booked GST does not match 18% of the fee; delta 288p",
        "observed net matches GST charged at 1200 bps instead of the correct 1800 bps"
      ],
      "recommended_action": "Recompute GST at 18% of the fee; correct the settlement and GSTR filing accordingly.",
      "severity": "STANDARD",
      "suggested_owner": "Tax & Compliance",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_LyMZEWnQZA6G17",
        "settlement_id": "setl_YpKF4tYzobO3Nl"
      },
      "aging_days": 35,
      "amount_at_risk_paise": 228,
      "category": "TAX_VARIANCE",
      "evidence_chain": [
        "booked GST does not match 18% of the fee; delta 228p",
        "observed net matches GST charged at 1200 bps instead of the correct 1800 bps"
      ],
      "recommended_action": "Recompute GST at 18% of the fee; correct the settlement and GSTR filing accordingly.",
      "severity": "STANDARD",
      "suggested_owner": "Tax & Compliance",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_xu864hTlDamoOC",
        "settlement_id": "setl_jAHGWBSW6jxKI4"
      },
      "aging_days": 5,
      "amount_at_risk_paise": 161,
      "category": "FEE_VARIANCE",
      "evidence_chain": [
        "compute_expected_fee(136031, 'card', False) disagrees with the booked net by 161p",
        "observed net matches the netbanking/international=False MDR tier, not the booked card/international=False tier"
      ],
      "recommended_action": "Recompute the fee at the correct MDR tier; recover the shortfall from the PG if applicable.",
      "severity": "STANDARD",
      "suggested_owner": "Finance Ops",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_JjUt3bRCdrGMIp",
        "settlement_id": "setl_QTZThS1HN8MluG"
      },
      "aging_days": 78,
      "amount_at_risk_paise": 157,
      "category": "FEE_VARIANCE",
      "evidence_chain": [
        "compute_expected_fee(133400, 'netbanking', False) disagrees with the booked net by -157p",
        "observed net matches the card/international=False MDR tier, not the booked netbanking/international=False tier"
      ],
      "recommended_action": "Recompute the fee at the correct MDR tier; recover the shortfall from the PG if applicable.",
      "severity": "STANDARD",
      "suggested_owner": "Finance Ops",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_0zXCv4Cbro1Y0W",
        "settlement_id": "setl_fAyNW41Mr0i4iW"
      },
      "aging_days": 87,
      "amount_at_risk_paise": 152,
      "category": "FEE_VARIANCE",
      "evidence_chain": [
        "compute_expected_fee(128600, 'card', False) disagrees with the booked net by 152p",
        "observed net matches the netbanking/international=False MDR tier, not the booked card/international=False tier"
      ],
      "recommended_action": "Recompute the fee at the correct MDR tier; recover the shortfall from the PG if applicable.",
      "severity": "STANDARD",
      "suggested_owner": "Finance Ops",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_GN6FAPAyxfNafc",
        "settlement_id": "setl_I1AksinXcwF6Fm"
      },
      "aging_days": 44,
      "amount_at_risk_paise": 149,
      "category": "FEE_VARIANCE",
      "evidence_chain": [
        "compute_expected_fee(126100, 'card', False) disagrees with the booked net by 149p",
        "observed net matches the netbanking/international=False MDR tier, not the booked card/international=False tier"
      ],
      "recommended_action": "Recompute the fee at the correct MDR tier; recover the shortfall from the PG if applicable.",
      "severity": "STANDARD",
      "suggested_owner": "Finance Ops",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_jpVQ0Fa4MT1YN1",
        "settlement_id": "setl_w87xSMzSXTcXDX"
      },
      "aging_days": 61,
      "amount_at_risk_paise": 128,
      "category": "TAX_VARIANCE",
      "evidence_chain": [
        "booked GST does not match 18% of the fee; delta 128p",
        "observed net matches GST charged at 1500 bps instead of the correct 1800 bps"
      ],
      "recommended_action": "Recompute GST at 18% of the fee; correct the settlement and GSTR filing accordingly.",
      "severity": "STANDARD",
      "suggested_owner": "Tax & Compliance",
      "trace_file": null
    },
    {
      "affected": {
        "payment_id": "pay_L43FqlTsZId613",
        "settlement_id": "setl_JNoJqWUR3BO1Tp"
      },
      "aging_days": 37,
      "amount_at_risk_paise": 5,
      "category": "TAX_VARIANCE",
      "evidence_chain": [
        "booked GST does not match 18% of the fee; delta 5p",
        "observed net matches GST charged at 1500 bps instead of the correct 1800 bps"
      ],
      "recommended_action": "Recompute GST at 18% of the fee; correct the settlement and GSTR filing accordingly.",
      "severity": "STANDARD",
      "suggested_owner": "Tax & Compliance",
      "trace_file": null
    }
  ],
  "fixtures": "data/fixtures/run_2000",
  "generated_at_unix": 1788361759.847378,
  "manifest": {
    "engine": "full",
    "fixtures_dir": "data/fixtures/run_2000",
    "generated_at_utc": "2026-09-02T15:09:19.887812+00:00",
    "git_commit_sha": "f83fca8df133c8ab8d129fb26e7e2d744eb4968d",
    "git_dirty": true,
    "input_file_sha256": {
      "bank_statement.csv": "05b5c2370c26ad40ca4f3eecb643eef3aa3a848ba6e3e9a70f938b7f0964c87d",
      "orders.csv": "30ba8ef2a96482e36a178f2e32b89bcff38f335664c23e565f31566cb72ffea3",
      "pg_payments.csv": "10ae7083e77e781bfa1fe97b4b2b1362e46d3a5643805b69d33f0580ff410c1b",
      "pg_settlements.csv": "2f4db5ee2a5caf7ab3e71ed1de95254e841d8f7911653fa7a321b73b1229ed20"
    },
    "model": null,
    "package_versions": {
      "anthropic": "0.82.0",
      "openai": "2.53.0"
    },
    "record_counts": {
      "bank": 341,
      "orders": 2000,
      "payments": 2020,
      "settlements": 305
    },
    "seed": null
  },
  "metrics": {
    "accuracy": {
      "auto_match_rate": 0.9773950484391819,
      "defect_confusion": {
        "compound_fee_tax_error": {
          "detected": 6
        },
        "consolidated_payout": {
          "correctly_resolved": 8
        },
        "duplicate_payment": {
          "detected": 20
        },
        "fee_mismatch_wrong_tier": {
          "detected": 19
        },
        "fx_variance": {
          "detected": 8
        },
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      "by_severity": {
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}