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pdfFR 3066b
OMB No. 7100-0351
Approval expires XX/XX/2022
The Federal Reserve
Payments Study
Networks, processors, and Issuers
Payments Surveys (NPIPS)
Survey Period:
Calendar Year 2018
Public reporting burden for this collection of information is estimated to be an average of 8 hours per response,
including the time to gather and maintain data in the required form, to review the instructions and to complete
the information collection. Send comments regarding this burden estimate or any other aspect of this collection
of information, including suggestions for reducing this burden, to: Secretary, Board of Governors of the Federal
Reserve System, 20th and C Streets, NW, Washington, DC 20551; and to the Office of Management and Budget,
Paperwork Reduction Project (7100-0351), Washington, DC 20503.
1
Networks, processors,
and Issuers Payments
Surveys (NPIPS)
Survey Period:
Calendar Year 2018
General Instructions
3
General-Purpose Credit Card Network
4
Private-Label Credit Card Merchant Issuer
10
Private-Label Credit Card Processor
14
General-Purpose Debit Card Network
18
General-Purpose Prepaid Card Network
24
Automated Teller Machine Card Network
30
General-Purpose Prepaid Card Processor
33
Electronic Benefits Transfer Card Processor
38
Private-Label Prepaid Card Issuer and Processor
40
Person-to-Person and Money Transfer Processor
44
Online Bill Payment Processor
46
Walk-In Bill Payment Processor
48
Private-Label ACH Debit Card Processor
50
Toll Collection Processor
52
Online Payment Authentication Methods Processor
53
Mobile Wallet Processor
55
Transit System Operator
57
2
General Instructions
About the surveys
The Federal Reserve 2019 Networks, Processors, and Issuers Payments Surveys (NPIPS) collects the number and dollar
value of different types of domestic and cross-border electronic payment transactions and related information including thirdparty fraud originated from US-domiciled accounts during the calendar year 2018, and made by ACH, credit card, debit card,
prepaid card, or alternative payment initiation methods. Data from your response will contribute to estimates of the national
aggregate number and value of electronic payments made by these transaction methods. The Federal Reserve will compare
the results from this 2019 study to those of previous studies conducted since 2001.
Confidentiality
Any information you provide for this survey is strictly confidential. Individual responses to the survey will not be shared with
the public or the industry.
Your participation
To achieve the most reliable results, it is important that you respond completely and accurately.
Please leave no survey item blank.
There are three possible ways to respond to a survey item that requests a numeric value:
1. If your organization has volume for the item requested and the volume is known or can be accurately estimated,
please enter the amount. (Enter “0” if the amount equals zero.)
2. If your organization has volume for the item requested but the volume is unknown, nonzero, and cannot be
accurately estimated, please enter “NR” (not reported). (Do not enter “0” if the volume exists
but the amount is unknown.)
3. If your organization does not have volume for the item requested (i.e., the item requested does not apply to
your organization), please enter “0”.
Definitions and examples
Definitions and examples can be found in the glossary. Please visit the following website to download a PDF copy of the
glossary
http://www.frbnpips.net/forms.html
If for any reason you cannot provide complete data, or if you have any questions or concerns, please contact:
ebachelder@frbnpips.net or call Blueflame Consulting at (781) 662-8584.
3
General-Purpose Credit Card Network Payment Survey
For total general-purpose credit card network transactions, please include all those initiated by the acquirer and made
with US general-purpose credit (including charge) cards issued on US-domiciled accounts carrying your organization's
network brand. Include both domestic and cross-border transactions made with those cards, except for items 12 and
21 which cover non-US cards transactions made to US merchants/payees.
Do not include: Debit card, prepaid card, or non-network transactions (e.g., convenience checks and balance
transfers). Do not include transactions originated from foreign accounts (except for items 12 and 21).
Please enter actual figures for the calendar year 2018. Figures are automatically rounded to the nearest whole
numbers. Please leave no survey item blank. If a figure is zero, please enter a zero. Enter " NR " if a figure is
unknown, nonzero, and cannot be accurately estimated. Some figures are automatically calculated or repeated. If
necessary, these can be changed by entering figures into the " Override automatic entry " columns to the right.
Reminder:
• Leaving cells blank may cause
problems or inconsistencies.
• If a figure is zero, please enter a
zero.
• If a figure is unknown, nonzero,
and cannot be accurately
estimated, please enter "NR ".
Cell types:
1. Direct data entry. For numeric data, type the actual number or dollar amount.
(Cells have a thicker border when a formula is involved, for example, 2 = 1 - 1a, 6 = 6a + 6b.)
2. Automatic entry of calculations or repeated figures. Cell is protected: Override if necessary.
(Automatic entry cells display "Unknown/Nonzero" until required information is provided.)
3. Option button selection. Click on the button with the option you would like to choose.
(In the example to the right, Option 1 is the default selection.)
Unknown/Nonzero
Option 1
Option 2
Please refer to the Glossary for definitions and examples.
Calendar year 2018 general-purpose credit card transactions
1.
Less: Denials (authorization declined)
Total authorized transactions
= 1 - 1a
2a.
3.
Value ($)
Total transactions
1a.
2.
Number
3b.
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Less: Pre-authorization only (authorized but not settled)
Net, authorized & settled transactions
= 2 - 2a
3a.
Unknown/Nonzero
Less: Cash advances
Less: Adjustments and returns
= 3b.1 + 3b.2
4.
3b.1.
Chargebacks (issuer initiated)
3b.2.
Other adjustments and returns (acquirer initiated)
Net, purchase transactions
= 3 - 3a - 3b
4
Preferred basis for reporting
payment transactions
5.
Among the different subtotals of payment transactions listed above, which would you prefer to
2. Total authorized transactions
use to report more detailed allocations of payment transactions below?
3. Net, authorized & settled transactions
If possible, please use 3. Net, authorized & settled transactions (the default selection).
4. Net, purchase transactions
2
Transactions by channel
6.
Number
Net, authorized & settled transactions = 6a + 6b
6a.
Unknown/Nonzero
Value ($)
Unknown/Nonzero
In-person transactions
Transactions for which the card user is present, including card-present transactions and mobile
transactions at the point of sale. Also include card-not-present transactions for which the card user
is present at the point of sale (e.g., key-entered transactions). Do not include remote transactions
classified as card-present solely because of the level of authentication.
6b.
Remote transactions (person not at merchant location)
= 6b.1 + 6b.2 + 6b.3 + 6b.4
Transactions for which the card user is not physically present at a merchant location. Typically,
these include card-not-present transactions. Also include any remote transactions classified as
card-present solely because of the level of authentication.
6b.1.
Mail-order/telephone-order transactions
6b.2.
Internet purchase transactions (E-commerce)
6b.3.
Recurring/installment transactions
Payments of bills or invoices, often on a prearranged basis, based on an ongoing
customer relationship. Also include payments made on an installment basis.
6b.4.
Other/unknown remote transactions
In-person transactions by authentication method
7.
In-person transactions (repeat item 6a) = 7a + 7b
7a.
7b.
8.
Number
Value ($)
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Transactions with chip-authentication = 7a.1 + 7a.2
7a.1.
Transactions with a PIN
7a.2.
Transactions without a PIN
Transactions without chip-authentication = 7b.1 + 7b.2
7b.1.
Transactions with a PIN
7b.2.
Transactions without a PIN
In-person transactions with chip-authentication (repeat item 7a) = 8a + 8b
8a.
Contact chip card transactions
8b.
Contactless transactions
5
Transactions with domestic or cross-border merchants/payees
9.
Net, authorized & settled transactions (repeat item 6) = 9a + 9b
9a.
Domestic transactions with US cards (merchants/payees within the US)
9b.
Cross-border transactions with US cards (merchants/payees outside the US)
Number
Unknown/Nonzero
Value ($)
Unknown/Nonzero
= 9b.1 + 9b.2
9b.1.
In-person transactions
9b.2.
Remote transactions
Transactions from consumer or business/government accounts
10.
Net, authorized & settled transactions (repeat item 6) = 10a + 10b
10a.
Number
Unknown/Nonzero
Value ($)
Unknown/Nonzero
Transactions from consumer accounts
Transactions made with cards (including virtual cards) issued to a consumer for the purpose
of making consumer-related transactions.
10b.
Transactions from business/government (commercial) accounts
Transactions made with cards (including virtual cards) issued to a business or government
or its employee for the purpose of making business-related transactions. Include corporate
charge, small business, travel/entertainment, procurement, and fleet cards.
Transaction value distribution
11.
Number
Net, authorized & settled transactions (repeat item 6)
Unknown/Nonzero
= 11a + 11b + 11c + 11d + 11e + 11f + 11g + 11h + 11i
11a.
Transactions with less than $5.00 in total value
11b.
Transactions with $5.00 to $9.99 in total value
11c.
Transactions with $10.00 to $14.99 in total value
11d.
Transactions with $15.00 to $24.99 in total value
11e.
Transactions with $25.00 to $49.99 in total value
11f.
Transactions with $50.00 to $99.99 in total value
11g.
Transactions with $100.00 to $499.99 in total value
11h.
Transactions with $500.00 to $999.99 in total value
11i.
Transactions with $1000.00 or greater in total value
Transactions with non-US cards
12.
Number
Total transactions with non-US cards
(merchants/payees within the US and not included in item 6)
6
Value ($)
Unknown/Nonzero
Value ($)
Preferred basis for reporting third-
Third-party fraudulent transactions
13.
party fraudulent transactions
Some organizations may track third-party fraudulent transactions differently than payment transactions.
2. Total authorized transactions
On which basis would you prefer to report third-party fraudulent transactions below?
3. Net, authorized & settled transactions
If possible, please use 3. Net, authorized & settled transactions (the default selection).
4. Net, purchase transactions
2
14.
Number
Value ($)
Number
Value ($)
Third-party fraudulent transactions (based on 3. Net, authorized & settled transactions)
= 14a + 14b + 14c + 14d + 14e + 14f
Include all unauthorized third-party fraudulent transactions that cleared and settled for which funds
subsequently became available to the perpetrator. Do not include fraud attempts that were prevented before
they were cleared and settled, or fraud committed by the accountholder or other users authorized to make
payments.
14a.
Lost or stolen card
14b.
Card issued but not received
14c.
Fraudulent application (account issued to someone using a fake identity)
14d.
Counterfeit card (card-present/stolen card data)
14e.
Fraudulent use of account number (card-not-present/stolen card data)
14f.
Other (including account takeover)
Third-party fraudulent transactions by channel
15.
Third-party fraudulent transactions (repeat item 14) = 15a + 15b
15a.
In-person transactions
Fraudulent transactions for which the card user is present, including fraudulent card-present
transactions and fraudulent mobile transactions at the point of sale. Also include fraudulent
card-not-present transactions for which the card user is present at the point of sale (e.g., keyentered transactions). Do not include fraudulent remote transactions classified as card-present
solely because of the level of authentication.
15b.
Remote transactions (person not at merchant location)
= 15b.1 + 15b.2 + 15b.3 + 15b.4
Fraudulent transactions for which the card user is not physically present at a merchant location.
Typically, these include fraudulent card-not-present transactions. Also include any fraudulent
remote transactions classified as card-present solely because of the level of authentication.
15b.1.
Mail-order/telephone-order transactions
15b.2.
Internet purchase transactions (E-commerce)
15b.3.
Recurring/installment transactions
Fraudulent payments of bills or invoices, often on a prearranged basis, based on
an ongoing customer relationship. Also include fraudulent payments made on
an installment basis.
15b.4.
Other/unknown remote transactions
7
Unknown/Nonzero
Unknown/Nonzero
Third-party fraudulent in-person transactions by authentication method
16.
Third-party fraudulent in-person transactions (repeat item 15a) = 16a + 16b
16a.
16b.
17.
16a.1.
Transactions with a PIN
16a.2.
Transactions without a PIN
16b.1.
Transactions with a PIN
16b.2.
Transactions without a PIN
17a.
Contact chip card transactions
17b.
Contactless transactions
Third-party fraudulent transactions with domestic or cross-border merchants/payees
Third-party fraudulent transactions (repeat item 14) = 18a + 18b
18b.
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Transactions without chip-authentication = 16b.1 + 16b.2
Third-party fraudulent in-person transactions with chip-authentication (repeat item 16a)
18a.
Value ($)
Transactions with chip-authentication = 16a.1 + 16a.2
= 17a + 17b
18.
Number
Number
Unknown/Nonzero
Value ($)
Unknown/Nonzero
Domestic transactions with US cards (merchants/payees within the US)
Cross-border transactions with US cards (merchants/payees outside the US)
= 18b.1 + 18b.2
18b.1.
In-person transactions
18b.2.
Remote transactions
Third-party fraudulent transactions from consumer or business/government accounts
19.
Third-party fraudulent transactions (repeat item 14) = 19a + 19b
19a.
Transactions from consumer accounts
Fraudulent transactions made with cards (including virtual cards) issued to a consumer
for the purpose of making consumer-related transactions.
19b.
Transactions from business/government (commercial) accounts
Fraudulent transactions made with cards (including virtual cards) issued to a business or
government or its employee for the purpose of making business-related transactions.
Include corporate charge, small business, travel/entertainment, procurement, and fleet cards.
8
Number
Unknown/Nonzero
Value ($)
Unknown/Nonzero
Third-party fraudulent transaction value distribution
20.
Number
Third-party fraudulent transactions (repeat item 14)
Unknown/Nonzero
= 20a + 20b + 20c + 20d + 20e + 20f + 20g + 20h + 20i
20a.
Transactions with less than $5.00 in total value
20b.
Transactions with $5.00 to $9.99 in total value
20c.
Transactions with $10.00 to $14.99 in total value
20d.
Transactions with $15.00 to $24.99 in total value
20e.
Transactions with $25.00 to $49.99 in total value
20f.
Transactions with $50.00 to $99.99 in total value
20g.
Transactions with $100.00 to $499.99 in total value
20h.
Transactions with $500.00 to $999.99 in total value
20i.
Transactions with $1000.00 or greater in total value
Third-party fraudulent transactions with non-US cards
21.
Value ($)
Unknown/Nonzero
Number
Value ($)
Active cards
Total cards
Third-party fraudulent transactions with non-US cards
(merchants/payees within the US and not included in item 14)
Number of cards outstanding
22.
Number of active and total general-purpose credit or charge cards outstanding
as of December 31, 2018 = 22a + 22b
22a. Cards for consumer accounts
22b. Cards for business/government (commercial) accounts
Comments:
9
Private-Label Credit Card Merchant Issuer Payment Survey
For total private-label credit card transactions, please include all those originated from US-domiciled accounts and
made with a private-label credit or charge card for which your organization processed in-house. Include both
consumer and business/government card transactions.
Do not include: General-purpose (i.e., network-branded Visa, MC, Amex, Discover) credit, debit, or prepaid card
transactions, or transactions originated from foreign accounts. Also, according to your answers to questions 1 and 2
below, please do not include data associated with transactions for which your organization was only the receivables
owner but not the transaction processor.
Note: We are surveying both in-house and outsourced private-label credit card issuers/processors. To ensure that
we do not double-count your organization’s volume, please tell us if your organization outsourced processing or
receivables ownership (questions 1 and 2 below).
Please enter actual figures for the calendar year 2018. Figures are automatically rounded to the nearest whole
numbers. Please leave no survey item blank. If a figure is zero, please enter a zero. Enter " NR " if a figure is
unknown, nonzero, and cannot be accurately estimated. Some figures are automatically calculated or repeated. If
necessary, these can be changed by entering figures into the " Override automatic entry " columns to the right.
Reminder:
• Leaving cells blank may cause
problems or inconsistencies.
• If a figure is zero, please enter a
zero.
• If a figure is unknown, nonzero,
and cannot be accurately
estimated, please enter "NR ".
Cell types:
1. Direct data entry. For numeric data, type the actual number or dollar amount.
(Cells have a thicker border when a formula is involved, for example, 4 = 3 - 3a, 7 = 7a + 7b.)
2. Automatic entry of calculations or repeated figures. Cell is protected: Override if necessary.
(Automatic entry cells display "Unknown/Nonzero" until required information is provided.)
3. Option button selection. Click on the button with the option you would like to choose.
(In the example to the right, Option 1 is the default selection.)
Unknown/Nonzero
Option 1
Option 2
Please refer to the Glossary for definitions and examples.
Calendar year 2018 private-label credit card transaction processing
1.
Transaction processing
100% in-house
Please indicate if your organization outsourced some or all of its private-label credit card
Partially outsourced
transaction processing to a third party.
Fully outsourced
1a.
If fully or partially outsourced, please indicate the name of the processor:
1
1b.
If your organization outsourced its private-label credit card transaction processing for only
From (2018)
mm/dd:
part of 2018, please indicate the period of time in 2018 that your organization did not outsource:
Calendar year 2018 private-label credit card receivables ownership
2.
Receivables ownership:
Please indicate if your organization outsourced some or all of its private-label credit card
100% in-house
receivables ownership to a third party (i.e., outstandings were owned by a different organization).
Partially outsourced
Fully outsourced
2a. If fully or partially outsourced, please indicate the name of the receivables owner:
If you answered Fully outsourced to question 1 above for your organization’s private-label credit card transaction processing,
this survey is complete. Thank you for participating.
If you answered 100% in-house or Partially outsourced to question 1 above for your organization’s private-label credit card
transaction processing, please finish the rest of the survey and report transaction data only for the in-house processed
portion of your portfolio.
10
To (2018)
mm/dd:
Calendar year 2018 private-label credit card transactions
3.
6.
Less: Denials (authorization declined)
Total authorized transactions
= 3 - 3a
4a.
5.
Value ($)
Total transactions
3a.
4.
Number
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Less: Pre-authorization only (authorized but not completed or posted)
Completed transactions (posted to card accounts)
= 4 - 4a
5a.
Less: Cash advances
5b.
Less: Adjustments and returns
Net, purchase transactions
= 5 - 5a - 5b
0
Transactions by channel
7.
Number
Completed transactions (repeat item 5) = 7a + 7b
7a.
Unknown/Nonzero
Value ($)
Unknown/Nonzero
In-person transactions = 7a.1 + 7a.2 + 7a.3
Transactions for which the card user is present, including transactions initiated using
a merchant-issued card or token, using an app on a mobile device, and via instant credit
or lookup of account number. Also include purchases initiated online for pickup in store
where the payment is made in person.
7b.
7a.1.
Transactions initiated using a merchant-issued card or token
7a.2.
Transactions intiated using an app on a mobile device
7a.3.
Other (including instant credit or lookup of account number)
Remote transactions (person not at merchant location) = 7b.1 + 7b.2
Transactions for which the card user is not physically present at a merchant location.
7b.1.
Transactions with online payment and in-store pickup
7b.2.
Transactions with online payment and shipping to address
Transactions from consumer or business/government accounts
8.
Completed transactions (repeat item 5) = 8a + 8b
8a.
Unknown/Nonzero
Transactions from consumer accounts
Transactions made with cards (including virtual cards) issued to a consumer for the purpose
of making consumer-related transactions. Include both consumer credit and charge cards.
8b.
Number
Transactions from business/government (commercial) accounts
Transactions made with cards (including virtual cards) issued to a business or government
or its employee for the purpose of making business-related transactions. Include corporate
charge, small business, travel/entertainment, procurement, and fleet cards.
11
Value ($)
Unknown/Nonzero
Transaction value distribution
9.
Number
Completed transactions (repeat item 5) = 9a + 9b + 9c + 9d + 9e + 9f + 9g + 9h + 9i
9a.
Transactions with less than $5.00 in total value
9b.
Transactions with $5.00 to $9.99 in total value
9c.
Transactions with $10.00 to $14.99 in total value
9d.
Transactions with $15.00 to $24.99 in total value
9e.
Transactions with $25.00 to $49.99 in total value
9f.
Transactions with $50.00 to $99.99 in total value
9g.
Transactions with $100.00 to $499.99 in total value
9h.
Transactions with $500.00 to $999.99 in total value
9i.
Transactions with $1000.00 or greater in total value
Third-party fraudulent transactions
10.
Unknown/Nonzero
Value ($)
Unknown/Nonzero
Number
Value ($)
Number
Value ($)
Third-party fraudulent transactions = 10a + 10b + 10c + 10d + 10e + 10f
Include all unauthorized third-party fraudulent transactions that cleared and settled for which funds
subsequently became available to the perpetrator. Do not include fraud attempts that were prevented before
they were cleared and settled, or fraud committed by the accountholder or other users authorized to make
payments.
10a.
Lost or stolen card
10b.
Card issued but not received
10c.
Fraudulent application (account issued to someone using a fake identity)
10d.
Counterfeit card (card-present/stolen card data)
10e.
Fraudulent use of account number (card-not-present/stolen card data)
10f.
Other (including account takeover)
Third-party fraudulent transactions by channel
11.
Third-party fraudulent transactions (repeat item 10) = 11a + 11b
11a.
In-person transactions = 11a.1 + 11a.2 + 11a.3
Fraudulent transactions for which the card user is present, including transactions initiated using
a merchant-issued card or token, using an app on a mobile device, and via instant credit or lookup
of account number. Also include fraudulent purchases initiated online for pickup in store where
the payment is made in person.
11a.1. Transactions initiated using a merchant-issued card or token
11a.2. Transactions intiated using an app on a mobile device
11a.3. Other (including instant credit or lookup of account number)
11b.
Remote transactions (person not at merchant location) = 11b.1 + 11b.2
Transactions for which the card user is not physically present at a merchant location.
11b.1.
Transactions with online payment and in-store pickup
11b.2.
Transactions with online payment and shipping to address
12
Unknown/Nonzero
Unknown/Nonzero
Third-party fraudulent transactions from consumer or business/government accounts
12.
Third-party fraudulent transactions (repeat item 10) = 12a + 12b
12a.
Number
Unknown/Nonzero
Value ($)
Unknown/Nonzero
Transactions from consumer accounts
Fraudulent transactions made with cards (including virtual cards) issued to a consumer
for the purpose of making consumer-related transactions.
12b.
Transactions from business/government (commercial) accounts
Fraudulent transactions made with cards (including virtual cards) issued to a business or
government or its employee for the purpose of making business-related transactions.
Include corporate charge, small business, travel/entertainment, procurement, and fleet cards.
Third-party fraudulent transaction value distribution
13.
Number
Third-party fraudulent transactions (repeat item 10)
Unknown/Nonzero
= 13a + 13b + 13c + 13d + 13e + 13f + 13g + 13h + 13i
13a.
Transactions with less than $5.00 in total value
13b.
Transactions with $5.00 to $9.99 in total value
13c.
Transactions with $10.00 to $14.99 in total value
13d.
Transactions with $15.00 to $24.99 in total value
13e.
Transactions with $25.00 to $49.99 in total value
13f.
Transactions with $50.00 to $99.99 in total value
13g.
Transactions with $100.00 to $499.99 in total value
13h.
Transactions with $500.00 to $999.99 in total value
13i.
Transactions with $1000.00 or greater in total value
Number of cards outstanding
14.
Active cards
Number of active and total private-label credit or charge cards outstanding
as of December 31, 2018 = 14a + 14b
14a.
Cards for consumer accounts
14b.
Cards for business/government (commercial) accounts
Comments:
13
Value ($)
Unknown/Nonzero
Total cards
Private-Label Credit Card Processor Payment Survey
For total private-label credit card transactions, please include all those originated from US-domiciled accounts and
made with a private-label credit or charge card for which your organization was the transaction processor. Include
both consumer and business/government card transactions.
Do not include: General-purpose (i.e., network-branded Visa, MC, Amex, Discover) credit, debit, or prepaid card
transactions, or transactions originated from foreign accounts. Also, do not include data associated with transactions
for which your organization was only the receivables owner but not the transaction processor.
Please enter actual figures for the calendar year 2018. Figures are automatically rounded to the nearest whole
numbers. Please leave no survey item blank. If a figure is zero, please enter a zero. Enter " NR " if a figure is
unknown, nonzero, and cannot be accurately estimated. Some figures are automatically calculated or repeated. If
necessary, these can be changed by entering figures into the " Override automatic entry " columns to the right.
Reminder:
• Leaving cells blank may cause
problems or inconsistencies.
• If a figure is zero, please enter a
zero.
• If a figure is unknown, nonzero,
and cannot be accurately
estimated, please enter "NR".
Cell types:
1. Direct data entry. For numeric data, type the actual number or dollar amount.
(Cells have a thicker border when a formula is involved, for example, 3 = 2 - 2a, 6 = 6a + 6b.)
2. Automatic entry of calculations or repeated figures. Cell is protected: Override if necessary.
(Automatic entry cells display "Unknown/Nonzero" until required information is provided.)
3. Option button selection. Click on the button with the option you would like to choose.
(In the example to the right, Option 1 is the default selection.)
Unknown/Nonzero
Option 1
Option 2
Please refer to the Glossary for definitions and examples.
Calendar year 2018 transaction processing
1.
Transaction processing
Please describe your organization’s private-label credit card transaction
Only owned receivables
processing services (choose one):
Processed transactions
1a.
If Only owned receivables is chosen, please indicate the name of the processor:
If your organization does not process private-label credit card transactions, this survey is complete. Thank you for your participation.
1
Calendar year 2018 private-label credit card transactions
2.
5.
Less: Denials (authorization declined)
Total authorized transactions
= 2 - 2a
3a.
4.
Value ($)
Total transactions
2a.
3.
Number
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Less: Pre-authorization only (authorized but not completed or posted)
Completed transactions (posted to card accounts)
= 3 - 3a
4a.
Less: Cash advances
4b.
Less: Adjustments and returns
Net, purchase transactions
= 4 - 4a - 4b
14
Transactions by channel
6.
Number
Completed transactions (repeat item 4) = 6a + 6b
6a.
Unknown/Nonzero
Value ($)
Unknown/Nonzero
In-person transactions = 6a.1 + 6a.2 + 6a.3
Transactions for which the card user is present, including transactions initiated using
a merchant-issued card or token, using an app on a mobile device, and via instant credit
or lookup of account number. Also include purchases initiated online for pickup in store
where the payment is made in person.
6b.
6a.1.
Transactions initiated using a merchant-issued card or token
6a.2.
Transactions intiated using an app on a mobile device
6a.3.
Other (including instant credit or lookup of account number)
Remote transactions (person not at merchant location) = 6b.1 + 6b.2
Transactions for which the card user is not physically present at a merchant location.
6b.1.
Transactions with online payment and in-store pickup
6b.2.
Transactions with online payment and shipping to address
Transactions from consumer or business/government accounts
7.
Completed transactions (repeat item 4) = 7a + 7b
7a.
Number
Unknown/Nonzero
Value ($)
Unknown/Nonzero
Transactions from consumer accounts
Transactions made with cards (including virtual cards) issued to a consumer for the purpose
of making consumer-related transactions. Include both consumer credit and charge cards.
7b.
Transactions from business/government (commercial) accounts
Transactions made with cards (including virtual cards) issued to a business or government
or its employee for the purpose of making business-related transactions. Include corporate
charge, small business, travel/entertainment, procurement, and fleet cards.
Transaction value distribution
8.
Number
Completed transactions (repeat item 4) = 8a + 8b + 8c + 8d + 8e + 8f + 8g + 8h + 8i
8a.
Transactions with less than $5.00 in total value
8b.
Transactions with $5.00 to $9.99 in total value
8c.
Transactions with $10.00 to $14.99 in total value
8d.
Transactions with $15.00 to $24.99 in total value
8e.
Transactions with $25.00 to $49.99 in total value
8f.
Transactions with $50.00 to $99.99 in total value
8g.
Transactions with $100.00 to $499.99 in total value
8h.
Transactions with $500.00 to $999.99 in total value
8i.
Transactions with $1000.00 or greater in total value
15
Unknown/Nonzero
Value ($)
Unknown/Nonzero
Third-party fraudulent transactions
9.
Number
Value ($)
Number
Value ($)
Third-party fraudulent transactions = 9a + 9b + 9c + 9d + 9e + 9f
Include all unauthorized third-party fraudulent transactions that cleared and settled for which funds
subsequently became available to the perpetrator. Do not include fraud attempts that were prevented before
they were cleared and settled, or fraud committed by the accountholder or other users authorized to make
payments.
9a.
Lost or stolen card
9b.
Card issued but not received
9c.
Fraudulent application (account issued to someone using a fake identity)
9d.
Counterfeit card (card-present/stolen card data)
9e.
Fraudulent use of account number (card-not-present/stolen card data)
9f.
Other (including account takeover)
Third-party fraudulent transactions by channel
10.
Third-party fraudulent transactions (repeat item 9) = 10a + 10b
10a.
Unknown/Nonzero
Unknown/Nonzero
In-person transactions = 10a.1 + 10a.2 + 10a.3
Fraudulent transactions for which the card user is present, including transactions initiated using
a merchant-issued card or token, using an app on a mobile device, and via instant credit or lookup
of account number. Also include fraudulent purchases initiated online for pickup in store where
the payment is made in person.
10a.1. Transactions initiated using a merchant-issued card or token
10a.2. Transactions intiated using an app on a mobile device
10a.3. Other (including instant credit or lookup of account number)
10b.
Remote transactions (person not at merchant location)
= 10b.1 + 10b.2
Fraudulent transactions for which the card user is not physically present at a merchant location.
10b.1.
Transactions with online payment and in-store pickup
10b.2.
Transactions with online payment and shipping to address
Third-party fraudulent transactions from consumer or business/government accounts
11.
Third-party fraudulent transactions (repeat item 9) = 11a + 11b
11a.
Transactions from consumer accounts
Fraudulent transactions made with cards (including virtual cards) issued to a consumer
for the purpose of making consumer-related transactions.
11b.
Transactions from business/government (commercial) accounts
Fraudulent transactions made with cards (including virtual cards) issued to a business or
government or its employee for the purpose of making business-related transactions.
Include corporate charge, small business, travel/entertainment, procurement, and fleet cards.
16
Number
Unknown/Nonzero
Value ($)
Unknown/Nonzero
Third-party fraudulent transaction value distribution
12.
Number
Third-party fraudulent transactions (repeat item 9)
Unknown/Nonzero
= 12a + 12b + 12c + 12d + 12e + 12f + 12g + 12h + 12i
12a.
Transactions with less than $5.00 in total value
12b.
Transactions with $5.00 to $9.99 in total value
12c.
Transactions with $10.00 to $14.99 in total value
12d.
Transactions with $15.00 to $24.99 in total value
12e.
Transactions with $25.00 to $49.99 in total value
12f.
Transactions with $50.00 to $99.99 in total value
12g.
Transactions with $100.00 to $499.99 in total value
12h.
Transactions with $500.00 to $999.99 in total value
12i.
Transactions with $1000.00 or greater in total value
Number of cards outstanding
13.
Active cards
Number of active and total private-label credit or charge cards outstanding
as of December 31, 2018 = 13a + 13b
13a.
Cards for consumer accounts
13b.
Cards for business/government (commercial) accounts
Comments:
17
Value ($)
Unknown/Nonzero
Total cards
General-Purpose Debit Card Network Payment Survey
For total genreral-purpose debit card network transactions, please include all those initiated by the acquirer and made
with US general-purpose debit cards issued on US-domiciled accounts carrying your organization's network brand.
Include both domestic and cross-border transactions made with those cards, except for items 13 and 23 which cover
non-US cards transactions made to US merchants/payees.
Do not include: Credit card, prepaid debit card, or non-network transactions. Do not include electronic benefits
transfer (EBT) card transactions, ATM transactions, or transactions originated from foreign accounts (except for items
13 and 23).
Please enter actual figures for the calendar year 2018. Figures are automatically rounded to the nearest whole
numbers. Please leave no survey item blank. If a figure is zero, please enter a zero. Enter " NR " if a figure is
unknown, nonzero, and cannot be accurately estimated. Some figures are automatically calculated or repeated. If
necessary, these can be changed by entering figures into the " Override automatic entry " columns to the right.
Reminder:
• Leaving cells blank may cause
problems or inconsistencies.
• If a figure is zero, please enter a
zero.
• If a figure is unknown, nonzero,
and cannot be accurately
estimated, please enter "NR ".
Cell types:
1. Direct data entry. For numeric data, type the actual number or dollar amount.
(Cells have a thicker border when a formula is involved, for example, 3 = 2 - 2a, 7 = 7a + 7b.)
2. Automatic entry of calculations or repeated figures. Cell is protected: Override if necessary.
(Automatic entry cells display "Unknown/Nonzero" until required information is provided.)
3. Option button selection. Click on the button with the option you would like to choose.
(In the example to the right, Option 1 is the default selection.)
Unknown/Nonzero
Option 1
Option 2
4. All-that-apply check box selection. Click on all the boxes with the options you would like to choose.
(In the example to the right, Option 1 and Option 3 are selected.)
Option 1
Option 2
Option 3
Please refer to the Glossary for definitions and examples.
Calendar year 2018 general-purpose debit card transactions
1.
Please indicate what data are reported in your response to this survey. Your organization may offer
Non-prepaid debit only
both non-prepaid and prepaid debit card authorization and settlement services. If possible,
Both non-prepaid and prepaid debit
please only report non-prepaid debit card network transactions in this survey (the default selection).
2.
Total transactions
Do not include electronic benefits transfer (EBT) card or ATM transactions.
2a.
3.
4.
4b.
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Less: Pre-authorization only (authorized but not settled)
Net, authorized & settled transactions
= 3 - 3a
4a.
Value ($)
Less: Denials (authorization declined)
Total authorized transactions
= 2 - 2a
3a.
1
Number
Less: Cash-back at the point of sale
Less: Adjustments and returns
= 4b.1 + 4b.2
5.
4b.1.
Chargebacks (issuer initiated)
4b.2.
Other adjustments and returns (acquirer initiated)
Net, purchase transactions
= 4 - 4b for Number, = 4 - 4a - 4b for Value
A point-of-sale (POS) purchase transaction with cash back is counted as one transaction.
Do not subtract the number of cash-back transactions. Only subtract the dollar value
amount of the cash-back transactions.
18
Preferred basis for reporting
payment transactions
6.
Among the different subtotals of payment transactions listed above, which would you prefer to
3. Total authorized transactions
use to report more detailed allocations of payment transactions below?
4. Net, authorized & settled transactions
If possible, please use 4. Net, authorized & settled transactions (the default selection).
5. Net, purchase transactions
2
Transactions by channel
7.
Number
Net, authorized & settled transactions = 7a + 7b
7a.
Unknown/Nonzero
Value ($)
Unknown/Nonzero
In-person transactions
Transactions for which the card user is present, including card-present transactions and mobile
transactions at the point of sale. Also include card-not-present transactions for which the card
user is present at the point of sale (e.g., key-entered transactions). Do not include remote
transactions classified as card-present solely because of the level of authentication.
7b.
Remote transactions (person not at merchant location)
= 7b.1 + 7b.2 + 7b.3 + 7b.4
Transactions for which the card user is not physically present at a merchant location.
Typically, this includes card-not-present transactions. Also include any remote
transactions classified as card-present solely because of the level of authentication.
7b.1.
Mail-order/telephone-order transactions
7b.2.
Internet purchase transactions (E-commerce)
7b.3.
Recurring/installment transactions
Payments of bills or invoices, often on a prearranged basis, based on an ongoing
customer relationship. Also include payments made on an installment basis.
7b.4.
Other/unknown
In-person transactions by authentication method
8.
In-person transactions (repeat item 7a) = 8a + 8b
8a.
8b.
9.
Number
Value ($)
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Transactions with chip-authentication = 8a.1 + 8a.2
8a.1.
Transactions with a PIN
8a.2.
Transactions without a PIN
Transactions without chip-authentication = 8b.1 + 8b.2
8b.1.
Transactions with a PIN
8b.2.
Transactions without a PIN
In-person transactions with chip-authentication (repeat item 8a) = 9a + 9b
9a.
Contact chip card transactions
9b.
Contactless transactions
19
Transactions with domestic or cross-border merchants/payees
10.
Net, authorized & settled transactions (repeat item 7) = 10a + 10b
10a.
Domestic transactions with US cards (merchants/payees within the US)
10b.
Cross-border transactions with US cards (merchants/payees outside the US)
Number
Unknown/Nonzero
Value ($)
Unknown/Nonzero
= 10b.1 + 10b.2
10b.1.
In-person transactions
10b.2.
Remote transactions
Transactions from consumer or business/government accounts
11.
Net, authorized & settled transactions (repeat item 7) = 11a + 11b
11a.
Number
Unknown/Nonzero
Value ($)
Unknown/Nonzero
Transactions from consumer accounts
Transactions made with cards (including virtual cards) issued to a consumer for the purpose
of making consumer-related transactions.
11b.
Transactions from business/government (commercial) accounts
Transactions made with cards (including virtual cards) issued to a business or government
or its employee for the purpose of making business-related transactions. Include corporate
charge, small business, travel/entertainment, procurement, and fleet cards.
Transaction value distribution
12.
Number
Net, authorized & settled transactions (repeat item 7)
Unknown/Nonzero
= 12a + 12b + 12c + 12d + 12e + 12f + 12g + 12h + 12i
12a.
Transactions with less than $5.00 in total value
12b.
Transactions with $5.00 to $9.99 in total value
12c.
Transactions with $10.00 to $14.99 in total value
12d.
Transactions with $15.00 to $24.99 in total value
12e.
Transactions with $25.00 to $49.99 in total value
12f.
Transactions with $50.00 to $99.99 in total value
12g.
Transactions with $100.00 to $499.99 in total value
12h.
Transactions with $500.00 to $999.99 in total value
12i.
Transactions with $1000.00 or greater in total value
Transactions with non-US cards
13.
Number
Total transactions with non-US cards
(merchants/payees within the US and not included in item 7)
20
Value ($)
Unknown/Nonzero
Value ($)
Third-party fraudulent transactions
14.
Please indicate if your network would be able to provide third-party fraud data.
Yes
If Yes (the default selection), please skip question 14a below.
No
1
14a.
If No, please provide reasons to help us better understand the industry and select all that apply.
Do not track fraud
FALSE
Not enough resource
FALSE
Data sensitivity
FALSE
Other
FALSE
If Other, please sepcify:
Preferred basis for reporting thirdparty fraudulent transactions
15.
Some organizations may track third-party fraudulent transactions differently than payment transactions.
3. Total authorized transactions
On which basis would you prefer to report third-party fraudulent transactions below?
4. Net, authorized & settled transactions
If possible, please use 4. Net, authorized & settled transactions (the default selection).
5. Net, purchase transactions
2
Number
16.
Third-party fraudulent transactions (based on 4. Net, authorized & settled transactions)
= 16a + 16b + 16c + 16d + 16e + 16f
Include all unauthorized third-party fraudulent transactions that cleared and settled for which funds
subsequently became available to the perpetrator. Do not include fraud attempts that were prevented before
they were cleared and settled, or fraud committed by the accountholder or other users authorized to make
payments.
16a.
Lost or stolen card
16b.
Card issued but not received
16c.
Fraudulent application (account issued to someone using a fake identity)
16d.
Counterfeit card (card-present/stolen card data)
16e.
Fraudulent use of account number (card-not-present/stolen card data)
16f.
Other (including account takeover)
21
Value ($)
Third-party fraudulent transactions by channel
17.
Number
Third-party fraudulent transactions (repeat item 16) = 17a + 17b
17a.
In-person transactions
17b.
Fraudulent transactions for which the card user is present, including fraudulent card-present
transactions and fraudulent mobile transactions at the point of sale. Also include fraudulent
card-not-present transactions for which the card user is present at the point of sale (e.g., keyentered transactions). Do not include fraudulent remote transactions classified as card-present
solely because of the level of authentication.
Remote transactions (person not at merchant location)
Unknown/Nonzero
Value ($)
Unknown/Nonzero
= 17b.1 + 17b.2 + 17b.3 + 17b.4
Fraudulent transactions for which the card user is not physically present at a merchant location.
Typically, these include fraudulent card-not-present transactions. Also include any fraudulent
remote transactions classified as card-present solely because of the level of authentication.
17b.1.
Mail-order/telephone-order transactions
17b.2.
Internet purchase transactions (E-commerce)
17b.3.
Recurring/installment transactions
Fraudulent payments of bills or invoices, often on a prearranged basis, based on
an ongoing customer relationship. Also include fraudulent payments made on
an installment basis.
17b.4.
Other/unknown remote transactions
Third-party fraudulent in-person transactions by authentication method
18.
Third-party fraudulent in-person transactions (repeat item 17a) = 18a + 18b
18a.
18b.
19.
18a.1.
Transactions with a PIN
18a.2.
Transactions without a PIN
18b.1.
Transactions with a PIN
18b.2.
Transactions without a PIN
19a.
Contact chip card transactions
19b.
Contactless transactions
Third-party fraudulent transactions with domestic or cross-border merchants/payees
Third-party fraudulent transactions (repeat item 16) = 20a + 20b
20b.
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Transactions without chip-authentication = 18b.1 + 18b.2
Third-party fraudulent in-person transactions with chip-authentication (repeat item 18a)
20a.
Value ($)
Transactions with chip-authentication = 18a.1 + 18a.2
= 19a + 19b
20.
Number
Domestic transactions with US cards (merchants/payees within the US)
Cross-border transactions with US cards (merchants/payees outside the US)
= 20b.1 + 20b.2
20b.1.
In-person transactions
20b.2.
Remote transactions
22
Number
Unknown/Nonzero
Value ($)
Unknown/Nonzero
Third-party fraudulent transactions from consumer or business/government accounts
21.
Third-party fraudulent transactions (repeat item 16) = 21a + 21b
21a.
Number
Unknown/Nonzero
Value ($)
Unknown/Nonzero
Transactions from consumer accounts
Fraudulent transactions made with cards (including virtual cards) issued to a consumer
for the purpose of making consumer-related transactions.
21b.
Transactions from business/government (commercial) accounts
Fraudulent transactions made with cards (including virtual cards) issued to a business or
government or its employee for the purpose of making business-related transactions.
Include corporate charge, small business, travel/entertainment, procurement, and fleet cards.
Third-party fraudulent transaction value distribution
22.
Number
Third-party fraudulent transactions (repeat item 16)
Unknown/Nonzero
= 22a + 22b + 22c + 22d + 22e + 22f + 22g + 22h + 22i
22a.
Transactions with less than $5.00 in total value
22b.
Transactions with $5.00 to $9.99 in total value
22c.
Transactions with $10.00 to $14.99 in total value
22d.
Transactions with $15.00 to $24.99 in total value
22e.
Transactions with $25.00 to $49.99 in total value
22f.
Transactions with $50.00 to $99.99 in total value
22g.
Transactions with $100.00 to $499.99 in total value
22h.
Transactions with $500.00 to $999.99 in total value
22i.
Transactions with $1000.00 or greater in total value
Third-party fraudulent transactions with non-US cards
23.
Value ($)
Unknown/Nonzero
Number
Value ($)
Active cards
Total cards
Third-party fraudulent transactions with non-US cards
(merchants/payees within the US and not included in item 16)
Number of cards outstanding
24.
Number of active and total debit cards outstanding as of December 31, 2018
= 24a + 24b
24a. Cards for consumer accounts
24b. Cards for business/government (commercial) accounts
Comments:
23
General-Purpose Prepaid Card Network Payment Survey
For total general-purpose prepaid card network transactions, include all those initiated by the acquirer and made with US
general-purpose prepaid cards issued on US-domiciled accounts carrying your organization's network brand. Include both
domestic and cross-border transactions made with those cards, except for items 13 and 24 which cover non-US cards
transactions made to US merchants/payees.
Do not include: Credit card, non-prepaid debit card, or non-network transactions. Do not include electronic benefits transfer
(EBT) card transactions, ATM transactions, or transactions originated from foreign accounts (except for items 13 and 24).
Please enter actual figures for the calendar year 2018. Figures are automatically rounded to the nearest whole numbers.
Please leave no survey item blank. If a figure is zero, please enter a zero. Enter " NR " if a figure is unknown, nonzero, and
cannot be accurately estimated. Some figures are automatically calculated or repeated. If necessary, these can be changed
by entering figures into the " Override automatic entry " columns to the right.
Reminder:
• Leaving cells blank may cause
problems or inconsistencies.
• If a figure is zero, please enter a
zero.
• If a figure is unknown, nonzero,
and cannot be accurately
estimated, please enter "NR ".
Cell types:
1. Direct data entry. For numeric data, type the actual number or dollar amount.
(Cells have a thicker border when a formula is involved, for example, 3 = 2 - 2a, 6 = 6a + 6b.)
2. Automatic entry of calculations or repeated figures. Cell is protected: Override if necessary.
(Automatic entry cells display "Unknown/Nonzero" until required information is provided.)
3. Option button selection. Click on the button with the option you would like to choose.
(In the example to the right, Option 1 is the default selection.)
Unknown/Nonzero
Option 1
Option 2
4. All-that-apply check box selection. Click on all the boxes with the options you would like to choose.
(In the example to the right, Option 1 and Option 3 are selected.)
Option 1
Option 2
Option 3
Please refer to the Glossary for definitions and examples.
Calendar year 2018 general-purpose prepaid card transactions
1.
Number
Value ($)
Total transactions
Do not include: electronic benefits transfer (EBT) card transactions, ATM transactions or thansactions
that your organization processed but were originated on another network.
1a.
2.
Total authorized transactions
= 1 - 1a
2a.
3.
Less: Denials (authorization declined)
3b.
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Less: Pre-authorization only (authorized but not settled)
Net, authorized & settled transactions
= 2 - 2a
3a.
Unknown/Nonzero
Less: Cash-back at the point of sale
Less: Adjustments and returns
= 3b.1 + 3b.2
4.
3b.1.
Chargebacks (issuer initiated)
3b.2.
Other adjustments and returns (acquirer initiated)
Net, purchase transactions
= 3 - 3b for Number, = 3 - 3a - 3b for Value
A point-of-sale (POS) purchase transaction with cash back is counted as one transaction.
Do not subtract the number of cash-back transactions. Only subtract the dollar value
amount of the cash-back transactions.
24
Preferred basis for reporting
payment transactions
5.
Among the different subtotals of payment transactions listed above, which would you prefer to
2. Total authorized transactions
use to report more detailed allocations of payment transactions below?
3. Net, authorized & settled transactions
If possible, please use 3. Net, authorized & settled transactions (the default selection).
4. Net, purchase transactions
2
Transactions by channel
6.
Number
Net, authorized & settled transactions = 6a + 6b
6a.
Unknown/Nonzero
Value ($)
Unknown/Nonzero
In-person transactions
Transactions for which the card user is present, including card-present transactions and mobile
transactions at the point of sale. Also include card-not-present transactions for which the card
user is present at the point of sale (e.g., key-entered transactions). Do not include remote
transactions classified as card-present solely because of the level of authentication.
6b.
Remote transactions (person not at merchant location)
= 6b.1 + 6b.2 + 6b.3 + 6b.4
Transactions for which the card user is not physically present at a merchant location.
Typically, this includes card-not-present transactions. Also include any remote
transactions classified as card-present solely because of the level of authentication.
6b.1.
Mail-order/telephone-order transactions
6b.2.
Internet purchase transactions (E-commerce)
6b.3.
Recurring/installment transactions
Payments of bills or invoices, often on a prearranged basis, based on an ongoing
customer relationship. Also include payments made on an installment basis.
6b.4.
Other/unknown
In-person transactions by authentication method
7.
In-person transactions (repeat item 6a) = 7a + 7b
7a.
7b.
8.
Number
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Transactions with chip-authentication = 7a.1 + 7a.2
7a.1.
Transactions with a PIN
7a.2.
Transactions without a PIN
Transactions without chip-authentication = 7b.1 + 7b.2
7b.1.
Transactions with a PIN
7b.2.
Transactions without a PIN
In-person transactions with chip-authentication (repeat item 7a) = 8a + 8b
8a.
Contact chip card transactions
8b.
Contactless transactions
Transactions with domestic or cross-border merchants/payees
9.
Value ($)
Net, authorized & settled transactions (repeat item 6) = 9a + 9b
9a.
Domestic transactions with US cards (merchants/payees within the US)
9b.
Cross-border transactions with US cards (merchants/payees outside the US)
= 9b.1 + 9b.2
9b.1.
In-person transactions
9b.2.
Remote transactions
25
Number
Unknown/Nonzero
Value ($)
Unknown/Nonzero
Transactions from consumer or business/government accounts
10.
Net, authorized & settled transactions (repeat item 6) = 10a + 10b
10a.
Number
Unknown/Nonzero
Value ($)
Unknown/Nonzero
Transactions from consumer accounts = 10a.1 + 10a.2
Transactions made with cards (including virtual cards) issued to a consumer for the purpose
of making consumer-related transactions.
10a.1. Transactions with government-administered general-purpose cards
Transactions made with cards (including virtual cards) issued to a consumer
for the purpose of providing government benefits. Include state and federal
programs with cash benefits such as unemployment, TANF, or Social Security.
10a.2. Transactions from other consumer accounts
(including business-sponsored payroll)
Transactions made with cards (including virtual cards) issued to a consumer
including reloadable and non-reloadable gift cards, FSA/HAS medical cards,
customer refund and incentive cards, and business-sponsored payroll cards
which are issued to employees for the purpose of paying them and/or
making consumer-related transactions.
10b.
Transactions from business/government (commercial) accounts
Transactions made with cards (including virtual cards) issued to a business or government
or its employee for the purpose of making business-related transactions. Include corporate
charge, small business, travel/entertainment, procurement, and fleet cards.
Transactions with reloadable or non-reloadable cards
11.
Number
Net, authorized & settled transactions (repeat item 6) = 11a + 11b
11a.
Transactions with reloadable cards
11b.
Transactions with non-reloadable cards
Transaction value distribution
12.
Number
Net, authorized & settled transactions (repeat item 6)
Unknown/Nonzero
= 12a + 12b + 12c + 12d + 12e + 12f + 12g + 12h + 12i
12a.
Transactions with less than $5.00 in total value
12b.
Transactions with $5.00 to $9.99 in total value
12c.
Transactions with $10.00 to $14.99 in total value
12d.
Transactions with $15.00 to $24.99 in total value
12e.
Transactions with $25.00 to $49.99 in total value
12f.
Transactions with $50.00 to $99.99 in total value
12g.
Transactions with $100.00 to $499.99 in total value
12h.
Transactions with $500.00 to $999.99 in total value
12i.
Transactions with $1000.00 or greater in total value
Transactions with non-US cards
13.
Unknown/Nonzero
Number
Total transactions with non-US cards
(merchants/payees within the US and not included in item 6)
26
Value ($)
Unknown/Nonzero
Value ($)
Unknown/Nonzero
Value ($)
Third-party fraudulent transactions
14.
Please indicate if your network would be able to provide third-party fraud data.
Yes
If Yes (the default selection), please skip question 14a below.
No
1
14a.
If No, please provide reasons to help us better understand the industry and select all that apply.
Do not track fraud
FALSE
Not enough resource
FALSE
Data sensitivity
FALSE
Other
FALSE
If Other, please sepcify:
Preferred basis for reporting thirdparty fraudulent transactions
15.
Some organizations may track third-party fraudulent transactions differently than payment transactions.
2. Total authorized transactions
On which basis would you prefer to report third-party fraudulent transactions below?
3. Net, authorized & settled transactions
If possible, please use 3. Net, authorized & settled transactions (the default selection).
4. Net, purchase transactions
2
Number
16.
Value ($)
Third-party fraudulent transactions (based on 3. Net, authorized & settled transactions)
= 16a + 16b + 16c + 16d + 16e + 16f
Include all unauthorized third-party fraudulent transactions that cleared and settled for which funds subsequently
became available to the perpetrator. Do not include fraud attempts that were prevented before they were cleared and
settled, or fraud committed by the accountholder or other users authorized to make payments.
16a.
Lost or stolen card
16b.
Card issued but not received
16c.
Fraudulent application (account issued to someone using a fake identity)
16d.
Counterfeit card (card-present/stolen card data)
16e.
Fraudulent use of account number (card-not-present/stolen card data)
16f.
Other (including account takeover)
2
Third-party fraudulent transactions by channel
17.
Number
Third-party fraudulent transactions (repeat item 16) = 17a + 17b
17a.
In-person transactions
17b.
Fraudulent transactions for which the card user is present, including fraudulent card-present
transactions and fraudulent mobile transactions at the point of sale. Also include fraudulent
card-not-present transactions for which the card user is present at the point of sale (e.g., keyentered transactions). Do not include fraudulent remote transactions classified as card-present
solely because of the level of authentication.
Remote transactions (person not at merchant location)
= 17b.1 + 17b.2 + 17b.3 + 17b.4
Fraudulent transactions for which the card user is not physically present at a merchant location.
Typically, these include fraudulent card-not-present transactions. Also include any fraudulent
remote transactions classified as card-present solely because of the level of authentication.
17b.1.
Mail-order/telephone-order transactions
17b.2.
Internet purchase transactions (E-commerce)
17b.3.
Recurring/installment transactions
Fraudulent payments of bills or invoices, often on a prearranged basis, based on
an ongoing customer relationship. Also include fraudulent payments made on
an installment basis.
17b.4.
Other/unknown fraudulent remote transactions
27
Unknown/Nonzero
Value ($)
Unknown/Nonzero
Third-party fraudulent in-person transactions by authentication method
18.
Third-party fraudulent in-person transactions (repeat item 17a) = 18a + 18b
18a.
18b.
19.
Value ($)
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Transactions with chip-authentication = 18a.1 + 18a.2
18a.1.
Transactions with a PIN
18a.2.
Transactions without a PIN
Transactions without chip-authentication = 18b.1 + 18b.2
18b.1.
Transactions with a PIN
18b.2.
Transactions without a PIN
Third-party fraudulent in-person transactions with chip-authentication (repeat item 18a)
= 19a + 19b
18a.
Contact chip card transactions
18b.
Contactless transactions
Third-party fraudulent transactions with domestic or cross-border merchants/payees
20.
Number
Third-party fraudulent transactions (repeat item 16) = 20a + 20b
20a.
Domestic transactions with US cards (merchants/payees within the US)
20b.
Cross-border transactions with US cards (merchants/payees outside the US)
Number
Unknown/Nonzero
Value ($)
Unknown/Nonzero
= 20b.1 + 20b.2
20b.1.
In-person transactions
20b.2.
Remote transactions
Third-party fraudulent transactions from consumer or business/government accounts
21.
Third-party fraudulent transactions (repeat item 16) = 21a + 21b
21a.
Transactions from consumer accounts = 21a.1 + 21a.2
Fraudulent transactions made with cards (including virtual cards) issued to a consumer
for the purpose of making consumer-related transactions.
21a.1. Transactions with government-administered general-purpose cards
Fraudulent transactions made with cards (including virtual cards) issued to a
consumer for the purpose of providing government benefits. Include state and
federal programs with cash benefits such as unemployment, TANF, or Social Security.
21a.2. Transactions from other consumer accunts
(including fraudulent business-sponsored payroll)
Fraudulent transactions made with cards (including virtual cards) issued to a
consumer including reloadable and non-reloadable gift cards, FSA/HAS medical cards,
customer refund and incentive cards, and business-sponsored payroll cards
which are issued to employees for the purpose of paying them and/or
making consumer-related transactions.
21b.
Transactions from business/government (commercial) accounts
Fraudulent transactions made with cards (including virtual cards) issued to a business or
government or its employee for the purpose of making business-related transactions.
Include corporate charge, small business, travel/entertainment, procurement, and fleet cards.
28
Number
Unknown/Nonzero
Value ($)
Unknown/Nonzero
Third-party fraudulent transactions with reloadable or non-reloadable card
22.
Third-party fraudulent transactions (repeat item 16) = 22a + 22b
22a.
Transactions with reloadable cards
22b.
Transactions with non-reloadable cards
Third-party fraudulent transaction value distribution
23.
Unknown/Nonzero
= 23a + 23b + 23c + 23d + 23e + 23f + 23g + 23h + 23i
Transactions with less than $5.00 in total value
23b.
Transactions with $5.00 to $9.99 in total value
23c.
Transactions with $10.00 to $14.99 in total value
23d.
Transactions with $15.00 to $24.99 in total value
23e.
Transactions with $25.00 to $49.99 in total value
23f.
Transactions with $50.00 to $99.99 in total value
23g.
Transactions with $100.00 to $499.99 in total value
23h.
Transactions with $500.00 to $999.99 in total value
23i.
Transactions with $1000.00 or greater in total value
Third-party fraudulent transactions with non-US cards
24.
Unknown/Nonzero
Number
Third-party fraudulent transactions (repeat item 16)
23a.
Number
Value ($)
Unknown/Nonzero
Value ($)
Unknown/Nonzero
Number
Value ($)
Active cards
Total cards
Third-party fraudulent transactions with non-US cards
(merchants/payees within the US and not included in item 16)
Number of cards outstanding
25.
Number of active and total general-purpose prepaid cards outstanding
as of December 31, 2018 = 25a + 25b
25a.
Cards for consumer accounts
25b.
Cards for business/government (commercial) accounts
Comments:
29
Automated Teller Machine Card Network Transaction Survey
For total automated teller machine (ATM) card network transactions, please include all those initiated by the acquirer,
made with US debit cards (including ATM cards), prepaid cards and credit cards which are issued on US-domiciled
accounts, and processed through your organization's ATM network switch. Include both domestic and cross-border
transactions made with those cards, except for items 3 and 7 which cover non-US cards cash withdrawals processed
through your organization's ATM network switch within the US.
Please enter actual figures for the calendar year requested below. Figures are automatically rounded to the nearest
whole numbers. Please leave no survey item blank. If a figure is zero, please enter a zero. Enter " NR " if a figure is
unknown, nonzero, and cannot be accurately estimated. Some figures are automatically calculated or repeated. If
necessary, these can be changed by entering figures into the " Override automatic entry " columns to the right.
Cell types:
Reminder:
• Leaving cells blank may cause
problems or inconsistencies.
• If a figure is zero, please enter a
zero.
• If a figure is unknown, nonzero, and
cannot be accurately estimated,
please enter "NR".
1. Direct data entry. For numeric data, type the actual number or dollar amount.
(Cells have a thicker border when a formula is involved, for example, 1c = 1c.1 + 1c.2 + 1c.3.)
2. Automatic entry of calculations or repeated figures. Cell is protected: Override if necessary.
(Automatic entry cells display "Unknown/Nonzero" until required information is provided.)
Unknown/Nonzero
3. No data entry needed.
4. Option button selection. Click on the button with the option you would like to choose.
(In the example to the right, Option 1 is the default selection.)
Option 1
Option 2
5. All-that-apply check box selection. Click on all the boxes with the options you would like to choose.
(In the example to the right, Option 1 and Option 3 are selected.)
Option 1
Option 2
Option 3
Please refer to the Glossary for definitions and examples.
Calendar year 2018 ATM transactions
1.
Value ($)
Number
Value ($)
Total ATM transactions
1a.
Denials/declines
1b.
Balance inquiries
1c.
Cash withdrawals = 1c.1 + 1c.2 + 1c.3
1c.1.
From debit cards
1c.2.
From prepaid cards = 1c.2.1 + 1c.2.2
1c.3.
1c.2.1.
Government-administered general-purpose prepaid cards
1c.2.2.
Other prepaid cards
From credit cards
1d.
Deposits
1e.
Account-to-account transfers
1f.
Other
Cash withdrawals from domestic or cross-border ATMs
2.
Number
Cash withdrawals (repeat item 1c) = 2a + 2b
Unknown/Nonzero
2a.
Domestic cash withdrawals with US cards (ATMs within the US)
2b.
Cross-border cash withdrawals with US cards (ATMs outside the US)
30
Unknown/Nonzero
Cash withdrawals with non-US cards
3.
Number
Value ($)
Cash withdrawals with non-US cards (ATMs within the US and not included in item 1c)
Third-party fraudulent cash withdrawals
4.
Please indicate if your network would be able to provide third-party fraud data.
Yes
If Yes (the default selection), please skip question 4.a below.
No
1
4a.
If No, please provide reasons to help us better understand the industry and select all that apply.
Do not track fraud
FALSE
Not enough resource
FALSE
Data sensitivity
FALSE
Other
FALSE
If Other, please sepcify:
5.
Number
Value ($)
Number
Value ($)
Third-party fraudulent cash withdrawals = 5a + 5b + 5c + 5d + 5e
Include all unauthorized third-party fraudulent cash withdrawals that cleared and settled for which funds
subsequently became available to the perpetrator. Do not include fraud attempts that were prevented before
they were cleared and settled, or fraud committed by the accountholder or other users authorized to make cash
withdrawals.
5a.
Lost or stolen card
5b.
Card issued but not received
5c.
Fraudulent application (account issued to someone using a fake identity)
5d.
Counterfeit card (card-present/stolen card data)
5e.
Other (including account takeover)
Third-party fraudulent cash withdrawals from domestic or cross-border ATMs
6.
Third-party fraudulent cash withdrawals (repeat item 5) = 6a + 6b
6a.
Domestic cash withdrawals with US cards (ATMs within the US)
6b.
Cross-border cash withdrawals with US cards (ATMs outside the US)
Third-party fraudulent cash withdrawals with non-US cards
7.
Unknown/Nonzero
Number
Third-party fraudulent cash withdrawals with non-US cards
(ATMs within the US and not included in item 5)
Number of ATM terminals
8.
9.
Total terminals
Number of ATM terminals as of December 31, 2017 = 8a + 8b
8a.
Chip-accepted terminals
8b.
Chip-not-accepted terminals
Number of ATM terminals as of December 31, 2018 = 9a + 9b
9a.
Chip-accepted terminals
9b.
Chip-not-accepted terminals
31
Unknown/Nonzero
Value ($)
Comments:
32
General-Purpose Prepaid Card Processor Payment Survey
For total general-purpose prepaid card transactions, please include all types of network-branded (open-loop)
transactions intiated by the acquirer and made with US general-purpose prepaid cards issed on US-domiciled
accounts for which you were the processor. Include both domestic and cross-border transactions made from those
cards. Include government-administered general-purpose prepaid card transactions but exclude electronic benefits
transfer (EBT) card transactions.
Do not include: Private-label (closed-loop) prepaid card transactions, non-prepaid debit card transactions, credit
card transactions, or electronic benefits transfer (EBT) card transactions. Do not include transactions originated from
foreign accounts.
Note: Any fees charged to the cards (e.g., monthly transaction fees, dormancy fees) are not considered to be
transactions and should be excluded.
Please enter actual figures for the calendar year 2018. Figures are automatically rounded to the nearest whole
numbers. Please leave no survey item blank. If a figure is zero, please enter a zero. Enter " NR " if a figure is
unknown, nonzero, and cannot be accurately estimated. Some figures are automatically calculated or repeated. If
necessary, these can be changed by entering figures into the " Override automatic entry " columns to the right.
Reminder:
• Leaving cells blank may cause
problems or inconsistencies.
• If a figure is zero, please enter a
zero.
• If a figure is unknown, nonzero,
and cannot be accurately
estimated, please enter "NR".
Cell types:
1. Direct data entry. For numeric data, type the actual number or dollar amount.
(Cells have a thicker border when a formula is involved, for example, 2 = 1 - 1a, 6 = 6a + 6b.)
2. Automatic entry of calculations or repeated figures. Cell is protected: Override if necessary.
(Automatic entry cells display "Unknown/Nonzero" until required information is provided.)
3. Option button selection. Click on the button with the option you would like to choose.
(In the example to the right, Option 1 is the default selection.)
Unknown/Nonzero
Option 1
Option 2
Please refer to the Glossary for definitions and examples.
Calendar year 2018 general-purpose prepaid card transactions
1.
Number
Value ($)
Total transactions
Do not include electronic benefits transfer (EBT) card transactions. Do not include card funding
transactions, requested separately in questions 13 and 14. Do not include ATM cash withdrawal
transactions, requested separately in question 7.
1a. Less: Denials (authorization declined)
2.
Total authorized transactions
= 1 - 1a
2a.
3.
3b.
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Less: Pre-authorization only (authorized but not settled)
Net, authorized & settled transactions
= 2 - 2a
3a.
Unknown/Nonzero
Less : Cash-back at the point of sale
Less: Adjustments and returns
= 3b.1 + 3b.2
4.
3b.1.
Chargebacks (issuer initiated)
3b.2.
Other adjustments and returns (acquirer initiated)
Net, purchase transactions
= 3 - 3b for Number, = 3 - 3a - 3b for Value
A point-of-sale (POS) purchase transaction with cash back is counted as one transaction.
Do not subtract the number of cash-back transactions. Only subtract the dollar value
amount of the cash-back transactions.
33
Preferred basis for reporting
payment transactions
5.
Among the different subtotals of payment transactions listed above, which would you
2. Total authorized transactions
prefer to use to report more detailed allocations of payment transactions below?
3. Net, authorized & settled transactions
If possible, please use 3. Net, authorized & settled transactions (the default selection).
4. Net, purchase transactions
2
Transactions by channel
6.
Number
Net, authorized & settled transactions = 6a + 6b
6a.
Unknown/Nonzero
Value ($)
Unknown/Nonzero
In-person transactions
Transactions for which the card user is present, including card-present transactions and mobile
transactions at the point of sale. Also include card-not-present transactions for which the card
user is present at the point of sale (e.g., key-entered transactions). Do not include remote
transactions classified as card-present solely because of the level of authentication.
6b.
Remote transactions (person not at merchant location)
Transactions for which the card user is not physically present at a merchant location.
Typically, this includes card-not-present transactions. Also include any remote
transactions classified as card-present solely because of the level of authentication.
Transactions from consumer or business/government accounts
7.
Net, authorized & settled transactions (repeat item 6) = 7a + 7b
7a.
Transacions from consumer accounts = 7a.1 + 7a.2
Transactions made with cards (including virtual cards) issued to a consumer for the purpose
of making consumer-related transactions.
7a.1.
Transactions with government-administered general-purpose cards
Transactions made with cards (including virtual cards) issued to a consumer
for the purpose of providing government benefits. Include state and federal
programs with cash benefits such as unemployment, TANF, or Social Security.
7a.2.
Transactions from other consumer accounts
= 7a.2.1 + 7a.2.2 + 7a.2.3 + 7a.2.4 + 7a.2.5
7b.
7a.2.1.
Gift cards
7a.2.2.
FSA/HSA medical cards
7a.2.3.
Customer refund & incentive cards
7a.2.4.
Payroll cards
7a.2.5.
Other consumer cards
Transactions from business/government (commercial) accounts
Transactions made with cards (including virtual cards) issued to a business or government
or its employee for the purpose of making business-related transactions. Include corporate
charge, small business, travel/entertainment, procurement, and fleet cards.
34
Number
Unknown/Nonzero
Value ($)
Unknown/Nonzero
Transaction value distribution
8.
Number
Net, authorized & settled transactions (repeat item 6)
Unknown/Nonzero
= 8a + 8b + 8c + 8d + 8e + 8f + 8g + 8h + 8i
8a.
Transactions with less than $5.00 in total value
8b.
Transactions with $5.00 to $9.99 in total value
8c.
Transactions with $10.00 to $14.99 in total value
8d.
Transactions with $15.00 to $24.99 in total value
8e.
Transactions with $25.00 to $49.99 in total value
8f.
Transactions with $50.00 to $99.99 in total value
8g.
Transactions with $100.00 to $499.99 in total value
8h.
Transactions with $500.00 to $999.99 in total value
8i.
Transactions with $1000.00 or greater in total value
ATM cash withdrawals
9.
Number
Value ($)
Unknown/Nonzero
Value ($)
ATM cash withdrawal transactions = 9a + 9b
9a.
ATM cash withdrawals with government-administered general-purpose cards
State and federal programs with cash benefits (e.g., TANF, Social Security, unemployment)
and may use Quest rules.
9b.
Other ATM cash withdrawals
Preferred basis for reporting third-
Third-party fraudulent transactions
10.
party fraudulent transactions
Some organizations may track third-party fraudulent transactions differently than payment
2. Total authorized transactions
transactions. On which basis would you prefer to report third-party fraudulent transactions below?
3. Net, authorized & settled transactions
If possible, please use 3. Net, authorized & settled transactions (the default selection).
4. Net, purchase transactions
2
Number
11.
Third-party fraudulent transactions (based on 3. Net, authorized & settled transactions)
= 11a + 11b + 11c + 11d + 11e + 11f
Include all unauthorized third-party fraudulent transactions that cleared and settled for which funds
subsequently became available to the perpetrator. Do not include fraud attempts that were prevented before
they were cleared and settled, or fraud committed by the accountholder or other users authorized to make
payments.
11a.
Lost or stolen card
11b.
Card issued but not received
11c.
Fraudulent application (account issued to someone using a fake identity)
11d.
Counterfeit card (card-present/stolen card data)
11e.
Fraudulent use of account number (card-not-present/stolen card data)
11f.
Other (including account takeover)
35
Value ($)
Third-party fraudulent transactions by channel
12.
Number
Third-party fraudulent transactions (repeat item 11) = 12a + 12b
12a.
Unknown/Nonzero
Value ($)
Unknown/Nonzero
In-person transactions
Fraudulent transactions for which the card user is present, including fraudulent card-present
transactions and fraudulent mobile transactions at the point of sale. Also include fraudulent
card-not-present transactions for which the card user is present at the point of sale (e.g., keyentered transactions). Do not include fraudulent remote transactions classified as card-present
solely because of the level of authentication.
12b.
Remote transactions (person not at merchant location)
Fraudulent transactions for which the card user is not physically present at a merchant location.
Typically, these include fraudulent card-not-present transactions. Also include any fraudulent
remote transactions classified as card-present solely because of the level of authentication.
Card funding - how value was loaded into card account
13.
13a.
Initial loads
13b.
Reloads
13c.
Other credits/loads
Total credits/loads (repeat item 13) = 14a + 14b + 14c + 14d + 14e
14a.
Cash
14b.
Check
14c.
General-purpose card (credit, debit, or prepaid)
14d.
ACH
14e.
Other
Number of cards outstanding
15.
Value ($)
Number
Value ($)
Total credits/loads = 13a + 13b + 13c
Credits/loads by instrument
14.
Number
Active cards
Number of active and total general-purpose prepaid cards outstanding
as of December 31, 2018 = 15a + 15b
15a. Cards for consumer accounts
= 15a.1 + 15a.2 + 15a.3 + 15a.4 + 15a.5 + 15a.6
15b.
Unknown/Nonzero
15a.1.
Government-administered general-purpose cards
15a.2.
Gift cards
15a.3.
FSA/HSA medical cards
15a.4.
Customer refund & incentive cards
15a.5.
Payroll cards
15a.6.
Other cards for consumer accounts
Cards for business/government (commercial) accounts
36
Unknown/Nonzero
Total Cards
Comments:
37
Electronic Benefits Transfer Card Processor Payment Survey
For total electronic benefits transfer (EBT) card transactions, please include all those that are initated with an EBT card
to access funds and/or make purchases at approved merchants accordance with US government-administered program
rules for SNAP, TANF, WIC, and cash benefits. Include purchases and cash-back at the point of sale, ATM withdrawals
and other payments using EBT cards for which your organization was the processor.
Please enter actual figures for the calendar year 2018. Figures are automatically rounded to the nearest whole
numbers. Please leave no survey item blank. If a figure is zero, please enter a zero. Enter " NR " if a figure is
unknown, nonzero, and cannot be accurately estimated. Some figures are automatically calculated or repeated. If
necessary, these can be changed by entering figures into the " Override automatic entry " columns to the right.
Reminder:
• Leaving cells blank may cause
problems or inconsistencies.
• If a figure is zero, please enter
a zero.
• If a figure is unknown, nonzero,
and cannot be accurately
estimated, pease enter "NR".
Cell types:
1. Direct data entry. For numeric data, type the actual number or dollar amount.
(Cells have a thicker border when a formula is involved, for example, 2 = 1 - 1a, 6 = 6a + 6b + 6c + 6d.)
2. Automatic entry of calculations or repeated figures. Cell is protected: Override if necessary.
(Automatic entry cells display "Unknown/Nonzero" until required information is provided.)
3. Option button selection. Click on the button with the option you would like to choose.
(In the example to the right, Option 1 is the default selection.)
Unknown/Nonzero
Option 1
Option 2
Please refer to the Glossary for definitions and exampels.
Calendar year 2018 EBT card transactions
1.
Number
Value ($)
Total transactions
1a. Less: Denials (authorization declined)
2.
Total authorized transactions
= 1 - 1a
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
2a. Less: Pre-authorization only (authorized but not settled)
3.
4.
Net, authorized & settled transactions
= 2 - 2a
3a.
Less: Cash-back at the point of sale
3b.
Less: ATM cash withdrawals
3c.
Less: Adjustments and returns
Net, purchase transactions
= 3 - 3a - 3b - 3c
Preferred basis for reporting
payment transactions
5.
Among the different subtotals of payment transactions listed above, which would you
2. Total authorized transactions
prefer to use to report more detailed allocations of payment transactions below?
3. Net, authorized & settled transactions
If possible, please use 3. Net, authorized & settled transactions (the default selection).
4. Net, purchase transactions
2
Transactions by government-administered program type
6.
Number
Net, authorized & settled transactions = 6a + 6b + 6c + 6d
Unknown/Nonzero
6a.
SNAP
6b.
WIC
6c.
TANF
6d.
Other
e.g., state and federal programs with cash benefits including Social Security and unemployment
38
Value ($)
Unknown/Nonzero
Preferred basis for reporting third-
Third-party fraudulent transactions
7.
party fraudulent transactions
Some organizations may track third-party fraudulent transactions differently than payment
2. Total authorized transactions
transactions. On which basis would you prefer to report third-party fraudulent transactions below?
3. Net, authorized & settled transactions
If possible, please use 3. Net, authorized & settled transactions (the default selection).
4. Net, purchase transactions
2
8.
Number
Value ($)
Active Cards
Total Cards
Third-party fraudulent transactions (based on 3. Net, authorized & settled transactions)
= 8a + 8b + 8c + 8d + 8e + 8f
Include all unauthorized third-party fraudulent transactions that cleared and settled for which funds subsequently
became available to the perpetrator. Do not include fraud attempts that were prevented before they were
cleared and settled, or fraud committed by the accountholder or other users authorized to make payments.
8a.
Lost or stolen card
8b.
Card issued but not received
8c.
Fraudulent application (account issued to someone using a fake identity)
8d.
Counterfeit card (card-present/stolen card data)
8e.
Fraudulent use of account number (card-not-present/stolen card data)
8f.
Other (including account takeover)
Number of cards outstanding
9.
Number of active and total EBT cards outstanding as of December 31, 2018
= 9a + 9b + 9c + 9d
9a.
SNAP
9b.
WIC
9c.
TANF
9d.
Other
e.g., state and federal programs with cash benefits including Social Security and unemployment
Comments:
39
Private-Label Prepaid Card Issuer and Processor Payment Survey
For total private-label prepaid card transactions, please include all those originated from US-domiciled accounts and
made with private-label (closed-loop) prepaid cards. Private-label prepaid card transactions are typically limited to a
single merchant brand or group of brands under a single merchant organization.
Do not include: General-purpose prepaid card, debit card, or credit card transactions. Do not include transactions
originated from foreign accounts. Also exclude card funding transactions (requested separately in question 12).
Note: Any fees charged to the cards (e.g., monthly transaction fees, dormancy fees) are not considered to be
transactions and should be excluded.
Please enter actual figures for the calendar year 2018. Figures are automatically rounded to the nearest whole
numbers. Please leave no survey item blank. If a figure is zero, please enter a zero. Enter " NR " if a figure is
unknown, nonzero, and cannot be accurately estimated. Some figures are automatically calculated or repeated. If
necessary, these can be changed by entering figures into the " Override automatic entry " columns to the right.
Reminder:
• Leaving cells blank may cause
problems or inconsistencies.
• If a figure is zero, please enter
a zero.
• If a figure is unknown, nonzero,
and cannot be accurately
estimated, please enter "NR".
Cell types:
1. Direct data entry. For numeric data, type the actual number or dollar amount.
(Cells have a thicker border when a formula is involved, for example, 2 = 1 - 1a, 5 = 5a + 5b.)
2. Automatic entry of calculations or repeated figures. Cell is protected: Override if necessary.
(Automatic entry cells display "Unknown/Nonzero" until required information is provided.)
3. Option button selection. Click on the button with the option you would like to choose.
(In the example to the right, Option 1 is the default selection.)
Unknown/Nonzero
Option 1
Option 2
Please refer to the Glossary for definitions and examples.
Calendar year 2018 private-label prepaid card transactions
1.
Number
Value ($)
Total transactions
Do not include card funding transactions (requested separately in question 12) or fees charged
to the cards (e.g., monthly transaction fees, dormancy fees).
1a. Less: Denials (authorization declined)
2.
Total authorized transactions
= 1 - 1a
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
2a. Less: Pre-authorization only (authorized but not completed or posted)
3.
4.
Completed transactions (posted to card accounts)
= 2 - 2a
3a.
Less: Cash-back at the point of sale
3b.
Less: Adjustments and returns
Net, purchase transactions
= 3 - 3b for Number, = 3 - 3a - 3b for Value
A point-of-sale (POS) purchase transaction with cash back is counted as one transaction.
Do not subtract the number of cash-back transactions. Only subtract the dollar value
amount of the cash-back transactions.
40
0
Transactions by channel
5.
Number
Completed transactions (repeat item 3) = 5a + 5b
5a.
Unknown/Nonzero
Value ($)
Unknown/Nonzero
In-person transactions = 5a.1 + 5a.2 + 5a.3
Transactions for which the card user is present, including transactions initiated using
a merchant-issued card or token, using an app on a mobile device, and via instant credit
or lookup of account number. Also include purchases initiated online for pickup in store
where the payment is made in person.
5b.
5a.1.
Transactions initiated using a merchant-issued card or token
5a.2.
Transactions intiated using an app on a mobile device
5a.3.
Other (including instant credit or lookup of account number)
Remote transactions (person not at merchant location) = 5b.1 + 5b.2
Transactions for which the card user is not physically present at a merchant location.
5b.1.
Transactions with online payment and in-store pickup
5b.2.
Transactions with online payment and shipping to address
0
Transactions with reloadable or non-reloadable cards
6.
Number
Completed transactions (repeat item 3) = 6a + 6b
6a.
Transactions with reloadable cards
6b.
Transactions with non-reloadable cards
Unknown/Nonzero
Value ($)
Unknown/Nonzero
0
Transactions with purchased or redemption cards
7.
Number
Completed transactions (repeat item 3) = 7a + 7b
7a.
Unknown/Nonzero
Value ($)
Unknown/Nonzero
Transactions with purchased cards
Transactions with cards issued through a purchase or initial load using funds provided
by customer, such as a gift card.
7b.
Transactions with redemption (refund or incentive) cards
Transactions with cards issued to provide funds from the merchant to the customer, such as for
the disbursement of refunds for returned merchandise or for customer incentives such as rebates.
Third-party fraudulent transactions
8.
Number
Third-party fraudulent transactions = 8a + 8b + 8c + 8d + 8e + 8f
Include all unauthorized third-party fraudulent transactions that cleared and settled for which funds
subsequently became available to the perpetrator. Do not include fraud attempts that were prevented before
they were cleared and settled, or fraud committed by the accountholder or other users authorized to make
payments.
8a.
Lost or stolen card
8b.
Card issued but not received
8c.
Fraudulent application (account issued to someone using a fake identity)
8d.
Counterfeit card (card-present/stolen card data)
8e.
Fraudulent use of account number (card-not-present/stolen card data)
8f.
Other (including account takeover)
41
Value ($)
Third-party fraudulent transactions by channel
9.
Number
Third-party fraudulent transactions (repeat item 8) = 9a + 9b
9a.
Unknown/Nonzero
Value ($)
Unknown/Nonzero
In-person transactions = 9a.1 + 9a.2 + 9a.3
Fraudulent transactions for which the card user is present, including transactions initiated using
a merchant-issued card or token, using an app on a mobile device, and via instant credit or lookup
of account number. Also include fraudulent purchases initiated online for pickup in store where
the payment is made in person.
9b.
9a.1.
Transactions initiated using a merchant-issued card or token
9a.2.
Transactions intiated using an app on a mobile device
9a.3.
Other (including instant credit or lookup of account number)
Remote transactions (person not at merchant location) = 9b.1 + 9b.2
Fraudulent transactions for which the card user is not physically present at a merchant location.
9b.1.
Transactions with online payment and in-store pickup
9b.2.
Transactions with online payment and shipping to address
Third-party fraudulent transactions with reloadable or non-reloadable cards
10.
Third-party fraudulent transactions (repeat item 8) = 10a + 10b
10a.
Transactions with reloadable cards
10b.
Transactions with non-reloadable cards
Third-party fraudulent transactions with purchased or redemption cards
11.
Third-party fraudulent transactions (repeat item 8) = 11a + 11b
11a.
Number
Unknown/Nonzero
Number
Unknown/Nonzero
Value ($)
Unknown/Nonzero
Value ($)
Unknown/Nonzero
Transactions with purchased cards
Fraudulent transactions with cards issued through a purchase or initial load using funds
provided by customer, such as a gift card.
11b.
Transactions with redemption (refund or incentive) cards
Fraudulent transactions with cards issued to provide funds from the merchant to the customer,
such as for the disbursement of refunds for returned merchandise or for customer
incentives such as rebates.
Card funding by customer or merchant - how value was loaded into card account
12.
Total credits/loads = 12a + 12b
12a.
12b.
Funds loaded by customers = 12a.1 + 12a.2
12a.1.
Initial loads
12a.2.
Reloads
Credits/loads provided by merchants (e.g., incentives, rewards, rebates)
42
Number
Value ($)
Number of cards outstanding
13.
Active cards
Number of active and total private-label prepaid cards outstanding
as of December 31, 2018 = 13a + 13b
13a.
Reloadable cards
13b.
Non-reloadable cards
Comments:
43
Total cards
Person-to-Person and Money Transfer Processor Payment Survey
For total person-to-person (P2P) and money transfer transactions, please include all those originated from a consumer or
consumer-owned (i.e., not a business- or government-owned) US-domiciled account and received by a consumer or
consumer-owned account. These funds transfers between individuals, usually feature an online system, agent, email or
mobile phone-based system. Include all transactions (domestic and cross-border transactions from accounts domiciled in
the US), except for items 6 and 10 which cover P2P transactions made from non-US-domiciled accounts to US payees.
Do not include: Transactions originated from or received by business or government-owned accounts, transactions
originated from foreign accounts, or account-to-account transfers for which both the originating and receiving accounts
were owned by the same accountholder (i.e., balance transfers). Do not include declined transactions.
Please enter actual figures for the calendar year 2018. Figures are automatically rounded to the nearest whole numbers.
Please leave no survey item blank. If a figure is zero, please enter a zero. Enter "NR" if a figure is unknown, nonzero, and
cannot be accurately estimated. Some figures are automatically calculated or repeated. If necessary, these can be
changed by entering figures into the " Override automatic entry " columns to the right.
Reminder:
• Leaving cells blank may cause
problems or inconsistencies.
• If a figure is zero, please enter a
zero.
• If a figure is unknown, nonzero,
and cannot be accurately
estimated, please enter "NR".
Cell types:
1. Direct data entry. For numeric data, type the actual number or dollar amount.
(Cells have a thicker border when a formula is involved, for example, 2 = 2a + 2b.)
2. Automatic entry of calculations or repeated figures. Cell is protected: Override if necessary.
(Automatic entry cells display "Unknown/Nonzero" until required information is provided.)
Unknown/Nonzero
Please refer to the Glossary for definitions and examples.
Calendar year 2018 person-to-person & money transfer transactions
1.
Total transactions (repeat item 1) = 2a + 2b
2a.
Domestic transactions from US-domiciled accounts (payees within the US)
2b.
Cross-border transactions from US-domiciled accounts (payees outside the US)
Value ($)
Number
Total transactions (repeat item 1) = 3a + 3b + 3c + 3d
3a.
Website
3b.
Mobile phone (via an application or text message)
3c.
In person (via agent location, kiosk or ATM)
3d.
Other
Unknown/Nonzero
Transactions by clearing system between consumer accounts
4.
Number
Unknown/Nonzero
Transactions by origination channel
3.
Value ($)
Total transactions
Do not include declined transactions.
Transactions with domestic or cross-border payees
2.
Number
Number
Total transactions (repeat item 1) = 4a + 4b + 4c + 4d + 4e
Unknown/Nonzero
4a.
Credit card/signature debit network
4b.
EFT/PIN debit network
4c.
ACH
4d.
Book transfer (e.g., a payment cleared via internal accounting transfer)
4e.
Other (e.g., check, wire)
44
Unknown/Nonzero
Value ($)
Unknown/Nonzero
Value ($)
Unknown/Nonzero
Transaction value distribution
5.
Number
Total transactions (repeat item 1) = 5a + 5b + 5c + 5d + 5e + 5f + 5g
5a.
Transactions with less than $25.00 in total value
5b.
Transactions with $25.00 to $49.99 in total value
5c.
Transactions with $50.00 to $99.99 in total value
5d.
Transactions with $100.00 to $249.99 in total value
5e.
Transactions with $250.00 to $499.99 in total value
5f.
Transactions with $500.00 to $999.99 in total value
5g.
Transactions with $1000.00 or greater in total value
Transactions from non-US-domiciled accounts
6.
Unknown/Nonzero
Value ($)
Unknown/Nonzero
Number
Value ($)
Number
Value ($)
Number
Value ($)
Cross-border transactions from non-US-domiciled accounts
(payees within the US and not included in item 1)
Third-party fraudulent transactions
7.
Third-party fraudulent transactions
Include all unauthorized third-party fraudulent transactions that cleared and settled for which funds subsequently
became available to the perpetrator. Do not include fraud attempts that were prevented before they were cleared
and settled, or fraud committed by the accountholder or other users authorized to make payments.
Third-party fraudulent transactions with domestic or cross-border payees
8.
Third-party fraudulent transactions (repeat item 7) = 8a + 8b
Unknown/Nonzero
Unknown/Nonzero
8a. Domestic transactions from US-domiciled accounts (payees within the US)
8b. Cross-border transactions from US-domiciled accounts (payees outside the US)
Third-party fraudulent transactions by origination channel
9.
Number
Third-party fraudulent transactions (repeat item 7) = 9a + 9b + 9c + 9d
9a.
Website
9b.
Mobile phone (via an application or text message)
9c.
In person (via agent location, kiosk or ATM)
9d.
Other
Third-party fraudulent transactions from non-US-domiciled accounts
10.
Third-party fraudulent transactions from non-US-domiciled accounts
(payees within the US and not included in item 7)
Comments:
45
Unknown/Nonzero
Number
Value ($)
Unknown/Nonzero
Value ($)
Online Bill Payment Processor Survey
For total online bill payments, please include all those originated through a financial institution or other intermediary’s
online bill payment portal (i.e. bank online bill payments) and directly via biller websites (i.e. biller-direct bill payments).
Only include transactions originated from US-domiciled accounts.
Note: In the case where a batch of bills were settled through a single combined payment to the biller (i.e., check and
list payments) please include transaction totals for the individual bills within the batch. Do not include batch
transactions because this will double count the individual bill totals. Also exclude declined transactions.
Please enter actual figures for the calendar year 2018. Figures are automatically rounded to the nearest whole
numbers. Please leave no survey item blank. If a figure is zero, please enter a zero. Enter "NR" if a figure is unknown,
nonzero, and cannot be accurately estimated. Some figures are automatically calculated or repeated. If necessary,
these can be changed by entering figures into the " Override automatic entry " columns to the right.
Reminder:
• Leaving cells blank may cause
problems or inconsistencies.
• If a figure is zero, please enter
a zero.
• If a figure is unknown, nonzero,
and cannot be accurately
estimated, please enter "NR".
Cell types:
1. Direct data entry. For numeric data, type the actual number or dollar amount.
(Cells have a thicker border when a formula is involved, for example, 1 = 1a + 1b.)
2. Automatic entry of calculations or repeated figures. Cell is protected: Override if necessary.
(Automatic entry cells display "Unknown/Nonzero" until required information is provided.)
Unknown/Nonzero
Please refer to the Glossary for definitions and examples.
Calendar year 2018 online bill payment transactions
1.
Number
Value ($)
Number
Value ($)
Total transactions = 1a + 1b
Do not include declined transactions.
1a. Bank/intermediary online bill payment transactions = 1a.1 + 1a.2
Direct send/consolidator transactions (e.g., Fiserv, iPay)
1a.1. Transactions initiated with a mobile device
1a.2. Transactions not initiated with a mobile device
1b. Biller-direct online bill payment transactions = 1b.1 + b.2
Electronic billing and payment offered directly from the website of the company providing
the good or service (e.g., utilities, mobile phone operators and cable companies).
1b.1. Transactions initiated with a mobile device
1b.2. Transactions not initiated with a mobile device
Transactions by disbursement method – how funds were sent to billers
2.
Total transactions (repeat item 1) = 2a + 2b + 2c + 2d
2a.
ACH
2b.
Check
2c.
Wire
2d.
Other
Unknown/Nonzero
Transactions by funding method – how funds were collected from customers
3.
Total transactions (repeat item 1) = 3a + 3b + 3c + 3d + 3e
3a.
Cash
3b.
Check
3c.
General-purpose card (credit, debit or prepaid)
3d.
ACH
3e.
Other
Number
Unknown/Nonzero
46
Unknown/Nonzero
Value ($)
Unknown/Nonzero
Transaction value distribution - bank/intermediary online bill payments
4.
Bank/intermediary online bill payment transactions (repeat item 1a)
= 4a + 4b + 4c + 4d + 4e + 4f
4a.
Transactions with less than $25.00 in total value
4b.
Transactions with $25.00 to $49.99 in total value
4c.
Transactions with $50.00 to $99.99 in total value
4d.
Transactions with $100.00 to $249.99 in total value
4e.
Transactions with $250.00 to $499.99 in total value
4f.
Transactions with $500.00 or greater in total value
Transaction value distribution - biller-direct online bill payments
5.
= 5a + 5b + 5c + 5d + 5e + 5f
Transactions with less than $25.00 in total value
5b.
Transactions with $25.00 to $49.99 in total value
5c.
Transactions with $50.00 to $99.99 in total value
5d.
Transactions with $100.00 to $249.99 in total value
5e.
Transactions with $250.00 to $499.99 in total value
5f.
Transactions with $500.00 or greater in total value
Third-party fraudulent transactions
6.
Include all unauthorized third-party fraudulent transactions that cleared and settled for which funds subsequently
became available to the perpetrator. Do not include fraud attempts that were prevented before they were
cleared and settled, or fraud committed by the accountholder or other users authorized to make payments.
Bank/intermediary online bill payment transactions
6b.
Biller-direct online bill payment transactions
Unknown/Nonzero
Number
Third-party fraudulent transactions = 6a + 6b
6a.
Unknown/Nonzero
Number
Biller-direct online bill payment transactions (repeat item 1b)
5a.
Number
Comments:
47
Value ($)
Unknown/Nonzero
Value ($)
Unknown/Nonzero
Value ($)
Walk-In Bill Payment Processor Survey
For total walk-in bill payments, please include all transacions originated from US-domiciled accounts and made in
person that your organization received or processed on behalf of billers. Include only payments made at locations (e.g.,
kiosks, ATMs, agents, or retailers) other than those operated by the biller.
Reminder:
Do not include: Online, mail, or telephone bill payments. Do not include in-person bill payments made at locations
operated by the biller or bill payments originated from foreign accounts. Also exclude declined transactions.
• Leaving cells blank may cause
problems or inconsistencies.
Note: In the case where a batch of bills were settled through a single combined payment to the biller (i.e., check and list
payments) please include transaction totals for the individual bills within the batch. Do not include batch transactions
because this will double count the individual bill totals.
• If a figure is zero, please enter a
zero.
Please enter actual figures for the calendar year 2018. Figures are automatically rounded to the nearest whole
numbers. Please leave no survey item blank. If a figure is zero, please enter a zero. Enter "NR" if a figure is unknown,
nonzero, and cannot be accurately estimated. Some figures are automatically calculated or repeated. If necessary,
these can be changed by entering figures into the " Override automatic entry " columns to the right.
• If a figure is unknown, nonzero,
and cannot be auurately
estimzted, please enter "NR".
Cell types:
1. Direct data entry. For numeric data, type the actual number or dollar amount.
(Cells have a thicker border when a formula is involved, for example, 3 = 3a + 3b + 3c.)
2. Automatic entry of calculations or repeated figures. Cell is protected: Override if necessary.
(Automatic entry cells display "Unknown/Nonzero" until required information is provided.)
Unknown/Nonzero
Please refer to the Glossary for definitions and examples.
Calendar year 2018 walk-in bill payment transactions
1.
Total transactions (repeat item 1) = 2a + 2b + 2c + 2d
Number
Value ($)
2a.
ACH
2b.
Check
2c.
Wire
2d.
Other
Unknown/Nonzero
Transactions by funding method - how funds were collected from customers
3.
Value ($)
Total transactions
Do not include declined transactions.
Transactions by disbursement method – how funds were sent to billers
2.
Number
Total transactions (repeat item 1) = 3a + 3b + 3c
3a.
Cash
3b.
General-purpose card (credit, debit or prepaid)
3c.
Other
Number
Unknown/Nonzero
48
Unknown/Nonzero
Value ($)
Unknown/Nonzero
Transaction value distribution
4.
Number
Total transactions (repeat item 1) = 4a + 4b + 4c + 4d + 4e + 4f
4a.
Transactions authorized less than $25.00 in total value
4b.
Transactions authorized $25.00 to $49.99 in total value
4c.
Transactions authorized $50.00 to $99.99 in total value
4d.
Transactions authorized $100.00 to $249.99 in total value
4e.
Transactions authorized $250.00 to $499.99 in total value
4f.
Transactions authorized $500.00 or greater in total value
Third-party fraudulent transactions
5.
Unknown/Nonzero
Number
Third-party fraudulent transactions
Include all unauthorized third-party fraudulent transactions that cleared and settled for which funds subsequently
became available to the perpetrator. Do not include fraud attempts that were prevented before they were
cleared and settled, or fraud committed by the accountholder or other users authorized to make payments.
Comments:
49
Value ($)
Unknown/Nonzero
Value ($)
Private-Label ACH Debit Card Processor Payment Survey
For total private-lable ACH debit card transactions, please include all those made with private-label (merchant-branded)
payment cards for which the ACH system was used to settle daily card transactions, whether individually or on an
aggregated basis, from a cardholder deposit account linked to the card account (i.e. decoupled debit transactions). Only
include transactions originated from US-domiciled accounts.
Do not include: Transactions on prepaid cards or transactions on payment cards through which credit was routinely
extended to cardholders for more than one business day before an attempt was made to settle with cardholders. Do not
include transactions originated from foreign accounts.
Please enter actual figures for the calendar year 2018. Figures are automatically rounded to the nearest whole
numbers. Please leave no survey item blank. If a figure is zero, please enter a zero. Enter "NR" if a figure is unknown,
nonzero, and cannot be accurately estimated. Some figures are automatically calculated or repeated. If necessary,
these can be changed by entering figures into the " Override automatic entry " columns to the right.
Reminder:
• Leaving cells blank may cause
problems or inconsistencies.
• If a figure is zero, please enter a
zero.
• If a figure is unknown, nonzero,
and cannot be accurately
estimated, please enter "NR".
Cell types:
1. Direct data entry. For numeric data, type the actual number or dollar amount.
(Cells have a thicker border when a formula is involved, for example, 2b = 2b.1 + 2b.2)
2. Automatic entry of calculations or repeated figures. Cell is protected: Override if necessary.
(Automatic entry cells display "Unknown/Nonzero" until required information is provided.)
Unknown/Nonzero
Please refer to the Glossary for definitions and examples.
Calendar year 2018 private-label ACH debit card transactions
1.
Number
Value ($)
Total transactions
1a. Less: Denials (authorization declined)
2.
Completed transactions (posted to card accounts)
= 1 - 1a
2a.
2b.
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Unknown/Nonzero
Less: Cash-back at the point of sale
Less: Adjustments and returns
= 2b.1 + 2b.2
3.
2b.1.
ACH returns (receiver initiated)
2b.2.
Other adjustments and returns (originator initiated)
Net, purchase transactions
= 2 - 2b for Number, = 2 - 2a - 2b for Value
A point-of-sale (POS) purchase transaction with cash back is counted as one transaction.
Do not subtract the number of cash-back transactions. Only subtract the dollar value
amount of the cash-back transactions.
Transaction value distribution
4.
Number
Completed transactions (repeat item 2) = 4a + 4b + 4c + 4d + 4e + 4f + 4g
4a.
Transactions with less than $5.00 in total value
4b.
Transactions with $5.00 to $9.99 in total value
4c.
Transactions with $10.00 to $14.99 in total value
4d.
Transactions with $15.00 to $24.99 in total value
4e.
Transactions with $25.00 to $49.99 in total value
4f.
Transactions with $50.00 to $99.99 in total value
4g.
Transactions with $100.00 or greater in total value
50
Unknown/Nonzero
Value ($)
Unknown/Nonzero
Third-party fraudulent transactions
5.
Number
Third-party fraudulent transactions
Include all unauthorized third-party fraudulent transactions that cleared and settled for which funds subsequently
became available to the perpetrator. Do not include fraud attempts that were prevented before they were
cleared and settled, or fraud committed by the accountholder or other users authorized to make payments.
Comments:
51
Value ($)
Toll Collection Processor Payment Survey
For toll payment transactions, please include all those initiated at a toll gantry, gate or booth. Include toll payments
made via RFID transponders, video images of vehicle license plates, cash or other toll payments made by, e.g., generalpurpose card, token, or voucher.
Do not include: Funding transactions for registered/pre-established accounts, e.g., for RFID transponders or Pay-byPlate/Toll-by-Plate: These are requested separately in item 3. Do not include declined transactions. Also exclude the
administrative fees and penalties associated with uncollected tolls.
Please enter actual figures for the calendar year 2018. Figures are automatically rounded to the nearest whole
numbers. Please leave no survey item blank. If a figure is zero, please enter a zero. Enter "NR" if a figure is unknown,
nonzero, and cannot be accurately estimated. Some figures are automatically calculated or repeated. If necessary,
these can be changed by entering figures into the " Override automatic entry " columns to the right.
Reminder:
• Leaving cells blank may cause
problems or inconsistencies.
• If a figure is zero, please enter a
zero.
• If a figure is unkonwn, nonzero,
and cannot be accurately
estimated, please enter "NR".
Cell types:
1. Direct data entry. For numeric data, type the actual number or dollar amount.
(Cells have a thicker border when a formula is involved, for example, 1 = 1a + 1b + 1c + 1d.)
Please refer to the Glossary for definitions and examples.
Calendar year 2018 toll payment transactions
1.
Number
Value ($)
Number
Value ($)
Number
Value ($)
Toll payment transactions initiated at gantry, gate, or booth = 1a + 1b + 1c + 1d
1a. RFID transponder
1b. Video image of vehicle license plate
1c. Cash
1d. Other
Third-party fraudulent toll payment transactions
2.
Third-party fraudulent toll payment transactions initiated at gantry, gate, or booth
Include all unauthorized third-party fraudulent toll payment transactions regardless of whether or not the
transaction resulted in a loss of funds. Do not include fraud attempts that were denied. Also exclude fraudulent
funding transactions for registered accounts as in item 3 below.
Funding for registered accounts by instrument - how value was loaded into the account
3.
Total funding for registered accounts = 3a + 3b + 3c + 3d + 3e
Include funding for registered accounts associated with RFID transponders and Pay-by-Plate/Toll-by-Plate.
3a.
Cash
3b.
Check
3c.
General-purpose card (credit, debit or prepaid)
3d.
ACH
3e.
Other
Please specify:
Comments:
52
Online Payment Authentication Methods Processor Survey
For total transaction, please inculde all those supported by your organization using selected types of tools, software
and systems designed to enhance the security of online purchases in the US.
Reminder:
• Leaving cells blank may cause
problems or inconsistencies.
Please enter actual figures for the calendar year 2018. Figures are automatically rounded to the nearest whole
numbers. Please leave no survey item blank. If a figure is zero, please enter a zero. Enter " NR " if a figure is
unknown, nonzero, and cannot be accurately estimated. Some figures are automatically calculated or repeated. If
necessary, these can be changed by entering figures into the " Override automatic entry " columns to the right.
Cell types:
• If a figure is zero, please enter a
zero.
• If a figure is unknown, nonzero, and
cannot be accurately estimated,
please enter "NR".
1. Direct data entry. For numeric data, type the actual number or dollar amount.
(Cells have a thicker border when a formula is involved, for example, 1 = 1a + 1b + 1c + 1d)
2. Automatic entry of calculations or repeated figures. Cell is protected: Override if necessary.
(Automatic entry cells display "Unknown/Nonzero" until required information is provided.)
Unknown/Nonzero
Please refer to the Glossary for definitions and examples.
Calendar year 2018 online payment authentication methods
1.
Number
Value ($)
Number
Value ($)
Total transactions = 1a + 1b + 1c + 1d
Do not include declined transactions.
1a. Redirected from the merchant or biller site
1b. Secure online prepaid/escrow-account
1c. Token vault
1d. Other online payment authentication methods
Transaction value distribution
2.
Total transactions (repeat item 1) = 2a + 2b + 2c + 2d + 2e + 2f + 2g + 2h + 2i
2a.
Transactions with less than $5.00 in total value
2b.
Transactions with $5.00 to $9.99 in total value
2c.
Transactions with $10.00 to $14.99 in total value
2d.
Transactions with $15.00 to $24.99 in total value
2e.
Transactions with $25.00 to $49.99 in total value
2f.
Transactions with $50.00 to $99.99 in total value
2g.
Transactions with $100.00 to $249.99 in total value
2h.
Transactions with $250.00 to $499.99 in total value
2i.
Transactions with $500.00 or greater in total value
Third-party fraudulent transactions
3.
Unknown/Nonzero
Number
Third-party fraudulent transactions
Include all unauthorized third-party fraudulent transactions that cleared and settled for which funds
subsequently became available to the perpetrator. Do not include fraud attempts that were prevented before
they were cleared and settled, or fraud committed by the accountholder or other users authorized to make
payments.
53
Unknown/Nonzero
Value ($)
Comments:
54
Mobile Wallet Processor Payment Survey
Mobile wallet is a comprehensive digital solution designed to replace the physical wallet. It stores information about
credit and debit cards, loyalty rewards, and any other digitized information (e.g., event tickets, boarding pass) – all
managed, accessed and delivered via the mobile phone. Sensitive financial data is typically protected by a PIN, code, or
biometric features and/or tokenization. Please include all mobile wallet transactions completed with US-domiciled
accounts.
Please enter actual figures for the calendar year requested below. Figures are automatically rounded to the nearest
whole numbers. Please leave no survey item blank. If a figure is zero, please enter a zero. Enter " NR " if a figure is
unknown, nonzero, and cannot be accurately estimated. Some figures are automatically calculated or repeated. If
necessary, these can be changed by entering figures into the " Override automatic entry " columns to the right.
Reminder:
• Leaving cells blank may cause
problems or inconsistencies.
• If a figure is zero, please enter a
zero.
• If a figure is unknown, nonzero,
and cannot be accurately
estimated, please enrter "NR".
Cell types:
1. Direct data entry. For numeric data, type the actual number or dollar amount.
(Cells have a thicker border when a formula is involved, for example 1 = 1a + 1b + 1c.)
2. Automatic entry of calculations or repeated figures. Cell is protected: Override if necessary.
(Automatic entry cells display "Unknown/Nonzero" until required information is provided.)
3. Option button selection. Click on the button with the option you would like to choose.
(In the example to the right, Option 1 is the default selection.)
Unknown/Nonzero
Option 1
Option 2
Please refer to the Glossary for definitions and examples.
Calendar year 2018 mobile wallet transactions
1.
Number
Value ($)
Number
Value ($)
Total transactions = 1a + 1b + 1c
Do not include declined transactions.
1a.
1b.
Purchase transactions = 1a.1 + 1a.2
1a.1.
In-person transactions.
1a.2.
Mobile transactions at the point of sale.
Remote transactions (person not at merchant location)
Mobile transactions for which the card user is not physically present at a merchant location.
Person-to-person or peer-to-peer (P2P) transactions
Funds transfers between individuals.
1c.
Other transactions
Transaction value distribution
2.
Total transactions (repeat item 1) = 2a + 2b + 2c + 2d + 2e + 2f + 2g + 2h + 2i + 2j + 2k
2a.
Transactions with less than $1.00 in total value
2b.
Transactions with $1.00 to $2.99 in total value
2c.
Transactions with $3.00 to $4.99 in total value
2d.
Transactions with $5.00 to $9.99 in total value
2e.
Transactions with $10.00 to $14.99 in total value
2f.
Transactions with $15.00 to $24.99 in total value
2g.
Transactions with $25.00 to $49.99 in total value
2h.
Transactions with $50.00 to $99.99 in total value
2i.
Transactions with $100.00 to $499.99 in total value
2j.
Transactions with $500.00 to $999.99 in total value
2k.
Transactions with $1,000.00 or greater in total value
55
Unknown/Nonzero
Unknown/Nonzero
Third-party fraudulent transactions
3.
Number
Value ($)
Third-party fraudulent transactions = 3a + 3b + 3c
Include all unauthorized third-party fraudulent transactions that cleared and settled for which funds subsequently
became available to the perpetrator. Do not include fraud attempts that were prevented before they were cleared
and settled, or fraud committed by the accountholder or other users authorized to make payments.
3a.
Purchase transactions = 3a.1 + 3a.2
3a.1. In-person transactions
3a.2. Remote transactions (person not at merchant location)
3b. Person-to-person or peer-to-peer (P2P) transactions
3c. Other
Preferred basis for
Number of provisioned mobile wallets
4.
reporting mobile wallet activity
Active mobile wallets are mobile wallets that were provisioned and were used to make at least
1 month
one purchase or bill payment over a period of time. On which basis would you prefer to report
3 months
active mobile walltes below? If possible, please use 1 year (the default selection).
6 months
1 year
Other, please describe below:
Active
mobile wallets
5.
Number of active and total provisioned mobile wallets as of December 31, 2017
6.
Number of active and total provisioned mobile wallets as of December 31, 2018
Comments:
56
4
Total
mobile wallets
Transit System Operator Payment Survey
Survey of major transit organizations and their fare collection methods.
Reminder:
For unlinked passenger trips, please include complete fixed route and paratransit. Besides free rides, include trips initiated
using prefundeded fare cards, tickets, passes, tokens or cash.
Do not include: Funding transactions for prefunded fare cards (requested separately in item 4). Also exclude fees charged
to the fare media (e.g., monthly transaction fees, dormancy fees).
Please enter actual figures for the calendar year requested below. Figures are automatically rounded to the nearest whole
numbers. Please leave no survey item blank. If a figure is zero, please enter a zero. Enter " NR " if a figure is unknown,
nonzero, and cannot be accurately estimated.
• Leaving cells blank may cause
problems or inconsistencies.
• If a figure is zero, please enter a zero.
• If a figure is unknown, nonzero, and
cannot be accurately estimated,
please enter "NR".
Cell types:
1. Direct data entry. For numeric data, type the actual number or dollar amount.
(Cells have a thicker border when a formula is involved, for example 1 = 1a + 1b)
2. No data entry needed.
3. Option button selection. Click on the button with the option you would like to choose.
(In the example to the right, Option 1 is the default selection.)
Option 1
Option 2
Please refer to the Glossary for definitions and examples.
Calendar year 2018 unlinked passenger trips
1.
Number
Value ($)
Total unlinked passenger trips = 1a + 1b
Please provide the count and fares charged for unlinked passenger rides, including complete fixed route, paratransit
and free rides. Do not include funding transactions for prefunded fare cards, requested separately in item 4. Also
exclude fees charged to the fare media (e.g., monthly transaction fees, dormancy fees).
1a. Fare received from passengers
1b. Free rides
2.
0
Unlinked passenger trips with fare received from passengers (repeat item 1a)
= 2a + 2b + 2c + 2d + 2e + 2f
2a. Cash payments
2b. General-purpose card (credit, debit or prepaid) payments
2c. Payments made by fare cards = 2c.1 + 2c.2
2c.1. Payments made by fare cards with chips (e.g., contactless card/token, NFC)
= 2c.1.1 + 2c.1.2
2c.1.1. Payments made by multiple-ride pass
2c.1.2. Payments made by other fare cards with chips
2c.2. Payments made by fare cards without chips
(e.g., magnetic stripe pass, metal token) = 2c.2.1 + 2c.2.2
2c.2.1. Payments made by multiple-ride pass
2c.2.2. Payments made by other fare cards without chips
2d.
Payments made by a mobile device
2e.
Payments made by other fare media
2f.
Other payments
57
Third-party fraudulent unlinked passenger trips
3.
Number
Value ($)
Number
Value ($)
Total third-party fraudulent unlinked passenger trips with fare received from passengers
= 3a + 3b + 3c + 3d + 3e
Please refer to question 2 above ONLY. Include all unauthorized third-party fraudulent unlinked passenger trips that
cleared and settled for which funds subsequently became available to the perpetrator. Do not include fraud attempts
that were prevented before they were cleared and settled, or fraud committed by the accountholder or other users
authorized to make payments.
3a.
3b.
General-purpose card (credit, debit or prepaid) payments
Payments made by fare cards = 3b.1 + 3b.2
3b.1. Payments made by fare cards with chips
(e.g., contactless card/token, NFC) = 3b.1.1 + 3b.1.2
3b.1.1. Payments made by multiple-ride pass
3b.1.2. Payments made by other fare cards with chips
3b.2. Payments made by fare cards withoutchips
(e.g., magnetic stripe pass, metal token) = 3b.2.1 + 3b.2.2
3b.2.1. Payments made by multiple-ride pass
3b.2.2. Payments made by other fare cards without chips
3c.
Payments made by a mobile device
3d.
Payments made by other fare media
3e.
Other payments
Funding for fare cards by instrument
4.
Total funding for fare cards = 4a + 4b + 4c + 4d + 4e
Please refer to question 2c above ONLY.
4a.
Cash
4b.
Check
4c.
General-purpose card (credit, debit, or prepaid)
4d.
ACH
4e.
Other
Please specify:
58
Preferred basis for
Number of fare cards outstanding
5.
reporting fare card activity
Active fare cards are those that were used to make at least one trip or fund loading over a period of time.
1 month
On which basis would you prefer to report active fare cards below?
3 months
If possible, please use 1 year (the default selection).
6 months
1 year
Other, please describe below:
4
6.
Number of active and total fare cards outstanding as of December 31, 2017 = 6a + 6b
6a.
6b.
7.
With chips (e.g., contactless card/token, NFC) = 6a.1 + 6a.2
6a.1.
Multiple-ride pass
6a.2.
Other fare cards with chips
Without chips (e.g., magnetic stripe pass, metal token) = 6b.1 + 6b.2
6b.1.
Multiple-ride pass
6b.2.
Other fare cards without chips
Number of active and total fare cards outstanding as of December 31, 2018 = 7a + 7b
7a.
7b.
With chips (e.g., contactless card/token, NFC) = 7a.1 + 7a.2
7a.1.
Multiple-ride pass
7a.2.
Other fare cards with chips
Without chips (e.g., magnetic stripe pass, metal token) = 7b.1 + 7b.2
7b.1.
Multiple-ride pass
7b.2.
Other fare cards without chips
Comments:
59
Active
Total
fare cards
fare cards
| File Type | application/pdf |
| File Modified | 2019-07-22 |
| File Created | 2019-03-27 |