Step 1
You buy, we hold
$100 is authorized on PayPal. It is reserved for the vendor, but not paid yet.
Step 2
AI reads the contract
It pulls out the promises: uptime, speed and what happens if they are broken.
Step 3
We watch the service
Live monitoring catches the outage. Uptime hits 97%, not the promised 99.9%.
Step 4
Math decides, not AI
A rules engine works out the credit. Same input, same answer, every time.
Step 5
A human stays in control
Big payouts wait for approval. Nothing moves on its own.
Step 6
Everyone gets what is fair
$75 goes to the vendor. $25 comes back to you. Every dollar has a receipt.
PayPal order
Authorized, not captured
Money is reserved. Nobody has been paid.
Rules engine
25% Γ $100
= $25 credit
Policy gate
Credit above the auto limit, so a human decides
Every dollar has a receipt
Clause β metric β calculation β approval β PayPal ID