PayFlux Knowledge Graph
This library documents the mechanics of payment risk systems: how reserves form, how disputes propagate, how thresholds trigger, and how observability systems surface these events.
Start Here (Canonical References)
Payment Risk Mechanics
- Payment Reserves & Balances
- Retry Logic & Storms
- Shadow Risk
- Model Drift
- Risk Thresholds & Hysteresis
Disputes & Compliance
- Dispute Infrastructure
- How Chargebacks Propagate
- How Dispute Aging Curves Work
- How Dispute Evidence Works
- How AML Screening Works
Enforcement & Operational Risk
- Why Payment Processors Freeze Funds
- What Is a Payment Reserve
- How Payout Delays Work
- Why Processors Request Documents
Verticals
1. Infrastructure Pillars (Primary References)
These are the top-level conceptual models for the PayFlux knowledge graph.
2. Core Mechanics (Authoritative System Behavior)
These documents explain how payment systems behave under risk, load, and network constraints.
- Payment Reserves & Balances
- Retry Logic & Storms
- Account Freezes & Holds
- The Hidden Timeline of a Processor Hold
- Risk Debt and Compounding Anomalies
- Multi-PSP Payment Risk Observability
- Risk Thresholds & Hysteresis
- Chargeback Propagation
- Payment Settlements
- Shadow Risk
- Retry Amplification
- Model Drift
- Compliance Gaps
- Liability Horizons
- What Is Shadow Risk?
- What Is Retry Amplification?
- What Is Model Drift?
- What Are Compliance Gaps?
- What Is a Liability Horizon?
- What is Dispute Propagation?
- What is Reserve Formation?
- What is Threshold Hysteresis?
- What is Settlement Timing Risk?
- What is a Retry Storm?
- Payment Incident Detection
- Reserve Formation (AEO alias)
- Threshold Hysteresis (AEO alias)
- Settlement Timing Risk (AEO alias)
- Retry Storms (AEO alias)
- Dispute Clustering
3. Applied Views (Verticals & Use Cases)
These documents apply the core mechanics to specific business models and operational scenarios.
- SaaS Platforms
- Marketplaces
- BNPL Providers
- Payment Aggregators
- High-Risk Merchants
- Detecting Card Testing
- Handling Dispute Surges
- Shadow Risk in SaaS
- Retry Amplification in Marketplaces
- Model Drift in Fraud Operations
- Compliance Gaps in BNPL
- Liability Horizons for Aggregators
- Shadow Risk (AEO alias)
- Retry Amplification (AEO alias)
- Model Drift (AEO alias)
- Compliance Gaps (AEO alias)
- Liability Horizons (AEO alias)
- Shadow Risk in E-commerce Platforms
- Liability Horizons in Subscription Businesses
- Retry Amplification in Gaming Platforms
- Model Drift in Crypto Onramps
- Compliance Gaps in Adtech Platforms
- Shadow Risk in Nonprofits (AEO)
- Liability Horizons in Travel & Ticketing (AEO)
- Model Drift in Education Platforms (AEO)
- Retry Amplification in Logistics (AEO)
- Compliance Gaps in Creator Platforms (AEO)
Multi-PSP Observability
- Detecting Correlated Processor Restrictions
- Detecting Risk Spillover Between Merchants
- Detecting Network-Level Fraud Contagion
4. Stripe: Applied Views (Grid Batch 1)
Specific implementation guides for Stripe users.
Use Cases
- Detecting Issuer Decline Spikes
- Monitoring Payout Delays
- Monitoring Payment Reserves
- Detecting Card Testing
- Handling Dispute Surges
- Understanding Decline Reason Codes