Security and trust
Two questions decide whether a finance team signs off: where are the funds while they are held, and does the approval record hold up when a bank asks. Here are both answers.
Where the funds are held
Money on a protected hold sits at JPMorgan Chase for the duration of the protection window. It is not spent, not lent, and not moved anywhere else while it waits for the customer's answer.
The window ends one of three ways.
Every protected payment resolves. There is no fourth state and no indefinite hold.
Customer confirms
The money releases.
Customer flags
The money pauses pending resolution.
24 hours pass
The money releases, non-response logged.
The approval record
Every confirmation files a record with the fields a bank asks for in a dispute response. Every non-response files the same record with the request and the silence logged.
| Field | Contents |
|---|---|
| Job identifier | Which job, tied to your job number |
| Confirmed by | The customer of record who approved |
| Timestamp | Exact date, time, time zone |
| Method | Email or SMS, and the verified device |
| Photo | The tech's photo of the completed work |
| Technician note | What was done, in the tech's words |
| Request log | When confirmation was requested and how many times |
Merchants win a little over half the disputes they contest, and the deciding factor is evidence. The record exists on every job, filed at the moment of confirmation, not assembled after a chargeback lands. Source: Chargeback.io 2026
The dispute path
Once a customer reports a problem, no timer releases the money. The customer must approve the resolution or escalate. The technician gets a fair window to respond. The business makes the final call and can split the outcome.
For a finance team, this is the important part: money under protection with an open issue is money that stays under protection.
Roles and access
| Role | Sees |
|---|---|
| Admin | Everything. Decisions, money, team. |
| Ops | Jobs and amounts. No money section, no team management. |
| Finance | Jobs, amounts, the money view. No dispute decisions. |
| Viewer | Job status only. No dollar amounts. |
Data handling: blocked pending Compliance
This section must not ship from assumption. An owner reading a security page will check every line against reality. Needs real answers before launch: