{
"platform_merchant_id": "PLT_MERCH_001",
"flag_type": "ACCOUNT_SUSPENDED",
"flag_severity": "INFO",
"description": "Merchant refund rate exceeded 10% threshold for 3 consecutive months.",
"flagged_at": "2026-04-07T12:00:00.000Z",
"evidence": {
"refund_rate_3m": 12.5,
"refund_count": 45,
"total_orders": 360
},
"idempotency_key": "idem_flag_20260407_001",
"metadata": {
"property1": "string",
"property2": "string"
}
}