Recipe: Refund decision drafter (human-in-loop)

Ingredients

• Order ID, payment gateway, and dispute reason
• Customer history (prior refunds, account age)
• Product type (digital license vs physical)
• Refund policy ruleset (JSON)
• Human approval step via internal dashboard

Steps

1. Ingest order context. Pull order metadata, payment status, and dispute reason from the SellAuth webhook payload.
2. Score eligibility. Compare against the refund policy ruleset — check time window, product type, and customer risk flags.
3. Draft decision. Generate a structured recommendation (approve / deny / escalate) with a plain-English rationale.
4. Queue for review. Push the draft to the internal review queue. No action is taken until a human confirms.
5. Log outcome. On approval or override, write the final decision to the audit log and trigger the refund via gateway API.

Guardrails

• Drafts are read-only until human sign-off
• Escalation threshold: refunds above $250 or third dispute in 90 days
• All decisions are immutable once logged