CASE #PT-92881
OPEN
CRITICAL RISK
CONFIDENCE: 96.8%
Missing Enterprise Settlement • ABC Industries
INVOICE: INV-8821 • PO: PO-4091 • AMOUNT: ₹8,42,000.00 • INITIATED: 2026-09-24 14:12 IST
Verified Finding & Root Cause
Payment captured at Gateway (
AUTH_88921), but webhooks to SAP ERP failed due to HTTP 504 gateway timeout. Settlement batch was held in Gateway reserve pool due to mismatched merchant descriptor.
ROOT CAUSE IDENTIFIER:
Webhook Dropped + Merchant Descriptor Mismatch in Settlement Batch SB-9018
Ranked Hypothesis Tree
ADVERSARIAL FLEET
#1 Webhook Timeout + Escrow Hold
96.8% VERIFIED
Corroborated by CloudWatch 504 log & clearing house batch SB-9018 manifest.
#2 Customer Card Chargeback
2.1% DISPROVED
No dispute event received from card network within 72h observation window.
#3 Direct Bank Wire Intercepted
1.1% DISPROVED
Transaction processed through checkout gateway, not manual NEFT/RTGS wire.
Contradiction Balance (2 Resolved)
Bank statement shows no credit on Sep 24
Resolved: Funds were held in Gateway intermediary escrow node, not yet swept to primary bank account.
Customer ERP ledger balance shows ₹0 receipts
Resolved: ERP receipt creation was gated by the failed webhook listener (WH-ERR-504).
Reconstructed Multi-Rail Timeline
9 NODAL EVENTS
2026-09-15 16:45 IST
Purchase Order Created (PO-4091)
Issued to ABC Industries for ₹8,42,000.
2026-09-20 09:00 IST
Invoice INV-8821 Issued
Tax invoice dispatched via email with net 5 payment terms.
2026-09-24 14:12:00 IST
Payment Initiated
Corporate checkout session started on payment gateway.
2026-09-24 14:12:08 IST
Bank Switch Debit Confirmed
HDFC Switch RRN 881902849102 debited ₹8,42,000.
2026-09-24 14:12:10 IST
Gateway Captured Funds
Captured token AUTH_88921. Escrow credited.
2026-09-24 14:12:14 IST [ANOMALY]
Webhook Delivery Timeout (WH-ERR-504)
HTTP 504 error. ERP state left as 'UNPAID'.
2026-09-25 02:00 IST [EXCEPTION]
Settlement Batch Exception
Item tagged EX_UNMATCHED_DESC into Batch SB-9018.
2026-09-25 11:30 IST
Customer Dispute Ingested
Dispute claim email tagged into PayTrace Engine.
2026-09-25 11:30:04 IST
Autonomous Reconstruction Complete
Full trail reconstructed in 4.1s with 96.8% confidence.
Supporting Evidence (7)
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