□The Unmatched Line statement line Open the partner account
paid
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The Unmatched Line / when nothing matches
where a lookup stops and a dispute begins

When nothing matches

A line that survives the whole method is the one real problem. This page is where the desk hands over: it explains what an unmatched line can be, why a dispute is the wrong first move for a line you simply cannot read, and how the count of the money - not the count of the lines - decides whether there is anything to dispute at all.

Desk spec
still unmatched
120
no reference
74
date outside the record
31
amount unreconcilable
15
the first move
read, not dispute
what decides
the money that left
what the line isA descriptor, not a name: a routing string of up to five fragments. The reference is the only one that is yours.
why it looks wrongOnly 620 of 1,800 sampled lines named the brand; the rest named a processor, entity or wallet.
what decides a disputeThe money that actually left the account. 560 of 680 unplaceable lines were placed by reading, not disputing.
Direct answer

An unmatched line is one that survives the date, reference and amount lookups. Of 120 such lines, 74 carried no reference, 31 fell outside the payment record and 15 could not be reconciled on amount. Reading a line comes before disputing it, because a dispute raised on a line that later turns out to be yours can carry its own consequences.

what an unmatched line usually is
casewhat it usually meanssampled
no reference in the stringthe rail did not carry one; the line is still probably yours74
a date outside your recorda posted date that lags the payment, or a payment you set and forgot31
an amount you cannot reconcilea conversion, a fee or a partial charge behind a larger figure15
only a minority are ever a genuine dispute120
The question that decides not "does this line name a site I know" but "did this money leave my account" case A the line is mine count the money: it equals one payment the line is placed a lookup, closed a dispute raised here is a false one case B the line is not mine count the money: it does not equal anything you did and it is not a pending authorisation the line is unplaced a dispute, opened of 120 unmatched lines later placed by the reader 88 a genuine dispute 32
Before disputing a line
  • Count the money that actually left, not the lines that printed.
  • Wait out the pending window; an authorisation can fall away.
  • Check amounts for a conversion or fee that explains the figure.
  • Confirm the line is not a posted lag of a payment you made earlier.
  • Only when the money is unexplained is there anything to dispute.
This desk explains the decision, not the procedure, and gives no legal or financial advice. Dispute routes and rights differ by bank, by rail and by jurisdiction, and nothing here names or describes a real one.
The matchthe four inputs that place a lineWhat a line hideswhat a descriptor cannot tell youThe numbersevery figure in one place