Form FR 3066b FR 3066b Networks, Processors, and Issuers Payments Surveys

Federal Reserve Payments Study

FR3066b_2020_f

FR 3066b

OMB: 7100-0351

Document [pdf]

Download: pdf | pdf

FR 3067
OMB No. 7100-0355
Approval expires March 31, 2023

Networks, Processors, and
Issuers Payments Surveys
(NPIPS)
Survey Period:
Calendar Year 2020
General-Purpose Credit Card Network

Private-Label Credit Card Merchant Issuer

Private-Label Credit Card Processor

General-Purpose Debit Card Network

General-Purpose Prepaid Card Network

Automated Teller Machine Card Network

Electronic Benefits Transfer Card Processor

Private-Label Prepaid Card Issuer and Processor

P2P and Money Transfer Processor

Mobile Wallet Processor

General Instructions
About the surveys
The Federal Reserve 2021 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
third-party fraud originated from US-domiciled accounts during the calendar year 2020, 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 2021 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
institution), 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.

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2021 Networks, Processors, and Issuers Payments Surveys

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 or charge cards (either physical or virtual) 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).
The social distancing impacts of the pandemic outbreak during 2020 are widely reported to have affected payment
choices. To help the Federal Reserve identify the impact, this survey requests additional quarterly data on shifts between
the in-person and remote channels as well as chip-authenticated contact and contactless payments. Your response to
these questions will help assure a more complete picture of the extent and persistence of these changes throughout the
year.
Calendar year 2020 general-purpose credit card transactions
1.

Total transactions
1a.

Total authorized transactions
= 1 - 1a
2a.

Less: Denials (authorization declined)

Less: Pre-authorization only (authorized but not settled)

Net, authorized & settled transactions
= 2 - 2a
3a.

Less: Cash advances

3b.

Less: Adjustments and returns
= 3b.1 + 3b.2
3b.1.

Chargebacks (issuer initiated)

3b.2.

Other adjustments and returns (acquirer initiated)

Net, purchase transactions
= 3 - 3a - 3b

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2021 Networks, Processors, and Issuers Payments Surveys

Number

Value ($)

General-Purpose Credit Card Network Payment Survey
5.

Among the different subtotals of payment transactions listed above, which would
you prefer to use to report more detailed allocations of payment transactions
below? If possible, please use 3. Net, authorized & settled transactions (the default
selection).

Preferred basis for reporting
payment transactions
[ ] 2. Total authorized transactions
[ ] 3. Net, authorized & settled
transactions
[ ] 4. Net, purchase transactions

Transactions by channel
6.

Number

[your selection of payment transaction type above] = 6a + 6b
2020 - Quarter 1
2020 - Quarter 2
2020 - Quarter 3
2020 - Quarter 4
6a.

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 cardnot-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.
2020 - Quarter 1
2020 - Quarter 2
2020 - Quarter 3
2020 - Quarter 4

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.
2020 - Quarter 1
2020 - Quarter 2
2020 - Quarter 3
2020 - Quarter 4

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2021 Networks, Processors, and Issuers Payments Surveys

Value ($)

General-Purpose Credit Card Network Payment Survey
Number
6b.1.

Mail-order/telephone-order transactions
Remote purchase transactions for which the merchant receives an
order through the mail or over the telephone. Card is typically
charged at time of shipment or delivery. If possible, please exclude
payments on account, e.g., bill pay.

6b.2.

Internet purchase transactions (E-commerce)
Purchase transactions for goods and services from a merchant web
site or mobile app (i.e., M-commerce). May involve varying levels of
authentication including the keyed entry of a card number, use of
“card on file” information, or redirection to a payment service. Card
is typically charged at time of shipment or delivery. If possible,
please exclude payments on account, e.g., bill pay.

6b.3.

Recurring/installment transactions
Payments of bills or invoices, often on a prearranged basis and may
include “card on file”, based on an ongoing customer relationship.
Also include payments made on a monthly or installment basis.
Examples include utility bill payments and multiple payments for a
single purchase.

6b.4.

Other remote transactions
Transactions that do not belong or do not have identifiers to assign
into the remote transaction categories provided above.
6b.4.1. To help analysts better understand the
content of “Other remote transactions” please
select all that apply.

Value ($)

[ ] Could not be assigned to above
categories
[ ] Do not belong in above
categories
[ ] P2P (i.e., card to card) funds
transfers
[ ] Non-recurring bill pay (P2B)
[ ] Payment aggregators (e.g.,
Square, Uber, Lyft, Instacart)
[ ] Card-on-file purchases
[ ] Buy online, pick up in store
[ ] Other (please describe below)

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2021 Networks, Processors, and Issuers Payments Surveys

General-Purpose Credit Card Network Payment Survey
In-person transactions by authentication method
7.

In-person transactions (repeat item 6a) = 7a + 7b
7a.

7b.

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
2020 - Quarter 1
2020 - Quarter 2
2020 - Quarter 3
2020 - Quarter 4
8a.

Contact transactions (chip card inserted or “dipped”)
2020 - Quarter 1
2020 - Quarter 2
2020 - Quarter 3
2020 - Quarter 4

8b.

Contactless transactions (chip card or mobile device RFID,
“tap” or “wave”)
2020 - Quarter 1
2020 - Quarter 2
2020 - Quarter 3
2020 - Quarter 4

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2021 Networks, Processors, and Issuers Payments Surveys

Number

Value ($)

General-Purpose Credit Card Network Payment Survey
Transactions with domestic or cross-border merchants/payees
9.

Number

Value ($)

Number

Value ($)

Number

Value ($)

Number

Value ($)

[your selection of payment transaction type above] (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

Transactions from consumer or business/government accounts
10. [your selection of payment transaction type above] (repeat item 6)
= 10a + 10b
10a. 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. [your selection of payment transaction type above] (repeat item 6)
= 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. Total transactions with non-US cards
(merchants/payees within the US and not included in item 6)

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2021 Networks, Processors, and Issuers Payments Surveys

General-Purpose Credit Card Network Payment Survey
Preferred basis for reporting thirdparty fraudulent transactions

Third-party fraudulent transactions
13. Some organizations may track fraudulent transactions differently than payment
transactions. On which basis would you prefer to report fraudulent transactions
below? If possible, please use 3. Net, authorized & settled transactions (the default
selection).

[ ] 2. Total authorized transactions
[ ] 3. Net, authorized & settled
transactions
[ ] 4. Net, purchase transactions

Number

Value ($)

Number

Value ($)

14. Third-party fraudulent transactions (based on [your selection of
fraudulent transaction type above])
= 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., key-entered
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 (MOTO)
Fraudulent remote purchase transactions for which the merchant
receives an order through the mail or over the telephone. Card is
typically charged at time of shipment or delivery. If possible, please
exclude fraudulent payments on account, e.g., bill pay.
15b.2. Internet purchase transactions (E-commerce)
Fraudulent purchase transactions for goods and services from a
merchant web site or mobile app (i.e., M-commerce). May involve
varying levels of authentication including the keyed entry of a card
number, use of “card on file” information, or redirection to a
payment service. Card is typically charged at time of shipment or
delivery. If possible, please exclude payments on account, e.g., bill
pay.

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2021 Networks, Processors, and Issuers Payments Surveys

General-Purpose Credit Card Network Payment Survey
Number

Value ($)

15b.3. Bill Pay: Recurring/installment transactions
Fraudulent payments of bills or invoices, often on a prearranged
basis and may include “card on file”, based on an ongoing customer
relationship. Also include fraudulent payments made on a monthly
or installment basis. Examples include fraudulent utility bill
payments and multiple payments for a single purchase.
15b.4. Other remote transactions
Fraudulent transactions that do not belong or do not have identifiers
to assign into the remote transaction categories provided above.
15b.4.1. To help analysts better understand the
content of “Other remote transactions” please
select all that apply.

Third-party fraudulent in-person transactions by authentication
method
16. Third-party fraudulent in-person transactions (repeat item 15a)
= 16a + 16b
16a. Transactions with chip-authentication = 16a.1 + 16a.2
16a.1. Transactions with a PIN
16a.2. Transactions without a PIN
16b. Transactions without chip-authentication = 16b.1 + 16b.2
16b.1. Transactions with a PIN
16b.2. Transactions without a PIN
17. Third-party fraudulent in-person transactions with chipauthentication (repeat item 16a) = 17a + 17b
17a. Contact transactions (chip card inserted or “dipped”)
17b. Contactless transactions (chip card or mobile device RFID,
“tap” or “wave”)

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2021 Networks, Processors, and Issuers Payments Surveys

Number

Value ($)

General-Purpose Credit Card Network Payment Survey
Third-party fraudulent transactions with domestic or crossborder merchants/payees

Number

Value ($)

Number

Value ($)

Number

Value ($)

Number

Value ($)

18. Third-party fraudulent transactions (repeat item 14) = 18a + 18b
18a. Domestic transactions with US cards
(merchants/payees within the US)
18b. 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 businessrelated transactions. Include corporate charge, small business,
travel/entertainment, procurement, and fleet cards.

Third-party fraudulent transaction value distribution
20. Third-party fraudulent transactions (repeat item 14)
= 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. Third-party fraudulent transactions with non-US cards
(merchants/payees within the US and not included in item 14)

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2021 Networks, Processors, and Issuers Payments Surveys

General-Purpose Credit Card Network Payment Survey
Virtual cards
22. Please indicate if your organization issued or processed
transactions for virtual credit or charge cards during calendar year
2020.

Number of cards outstanding

[ ] Yes
[ ] No
[ ] Don’t know

Active cards

23. Number of active and total general-purpose credit or charge cards
outstanding as of December 31, 2020 = 23a + 23b
23a. Virtual cards (digital cards with no associated physical card)
23b. Physical cards
24. Number of active and total general-purpose credit or charge cards
outstanding as of December 31, 2020 (repeat item 23) = 24a + 24b
24a. Cards for consumer accounts
24b. Cards for business/government (commercial) accounts

Comments:

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2021 Networks, Processors, and Issuers Payments Surveys

Total cards

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 private-label credit or charge cards (either physical or virtual) 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).
Calendar year 2020 private-label credit card transaction processing
1.

Transaction processing
Please indicate if your organization outsourced some or all of
its private-label credit card transaction processing to a third
party.
1a.

If fully or partially outsourced, please indicate
the name of the processor:

1b.

If your organization outsourced its private-label credit
card transaction processing for only part of 2020,
please indicate the period of time in 2020 that your
organization did not outsource:

100%
in-house
[ ]

From

Partially
outsourced
[ ]

Fully
outsourced
[ ]

mm/dd

(2020)

mm/dd

(2020)

Calendar year 2020 private-label credit card receivables ownership
2.

Receivables ownership:
Please indicate if your organization outsourced some or all of
its private-label credit card receivables ownership to a third
party (i.e., outstandings were owned by a different
organization).
2a.

100%
in-house
[ ]

Partially
outsourced
[ ]

Fully
outsourced
[ ]

If fully or partially outsourced, please indicate
the name of the receivables owner:

If you answered Fully outsourced to question 1 above for your organizations 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.

Calendar year 2020 private-label credit card transactions
3.

Total transactions
3a.

Total authorized transactions
= 3 - 3a
4a.

Less: Denials (authorization declined)

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

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2021 Networks, Processors, and Issuers Payments Surveys

Number

Value ($)

Private-Label Credit Card Merchant Issuer Payment Survey
Transactions by channel
7.

Number

Value ($)

Number

Value ($)

Completed transactions (repeat item 5) = 7a + 7b
7a.

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.
7a.1.

Transactions initiated using a merchant-issued card
or token

7a.2.

Transactions initiated using an app on a mobile device
=7a.2.1 + 7a.2.2
7a.2.1. Transactions initiated using a barcode or
QR code
7a.2.2. Other transactions using an app on a
mobile device

7a.3.
7b.

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.

Buy online (order and payment)/pick up in store

7b.2.

Other remote transactions (no store pickup)

Transactions from consumer or business/government accounts
8.

Completed transactions (repeat item 5) = 8a + 8b
8a.

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.

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.

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2021 Networks, Processors, and Issuers Payments Surveys

Private-Label Credit Card Merchant Issuer Payment Survey
Transaction value distribution
9.

Number

Value ($)

Number

Value ($)

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. 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)

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2021 Networks, Processors, and Issuers Payments Surveys

Private-Label Credit Card Merchant Issuer Payment Survey
Third-party fraudulent transactions by channel

Number

Value ($)

Number

Value ($)

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 initiated using an app on a mobile device
= 11a.2.1 + 11a.2.2
11a.2.1. Transactions initiated using a barcode or
QR code
11a.2.2. Other transactions 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
Fraudulent transactions for which the card user is not physically present at a
merchant location.
11b.1. Buy online (order and payment)/pick up in store
11b.2. Other remote transactions (no store pickup)

Third-party fraudulent transactions from consumer or
business/government accounts
12. Third-party fraudulent transactions (repeat item 10) = 12a + 12b
12a. Transactions from consumer accounts
Fraudulent 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.
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 businessrelated transactions. Include corporate charge, small business,
travel/entertainment, procurement, and fleet cards.

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2021 Networks, Processors, and Issuers Payments Surveys

Private-Label Credit Card Merchant Issuer Payment Survey
Third-party fraudulent transaction value distribution

Number

Value ($)

13. Third-party fraudulent transactions (repeat item 10)

= 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

Virtual cards
14. Please indicate if your organization issued or processed

transactions for virtual credit or charge cards during calendar year
2020.

Number of cards outstanding

[ ] Yes
[ ] No
[ ] Don’t know

Active cards

15. Number of active and total private-label credit or charge cards
outstanding as of December 31, 2020 = 15a + 15b

15a. Virtual cards (digital cards with no associated physical card)
15b. Physical cards

16. Number of active and total private-label credit or charge cards

outstanding as of December 31, 2020 (repeat item 15) = 16a + 16b
16a. Cards for consumer accounts
16b. Cards for business/government (commercial) accounts

Comments:

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2021 Networks, Processors, and Issuers Payments Surveys

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 private-label credit or charge cards (either physical or virtual) 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.
Calendar year 2020 transaction processing
1.

Transaction processing
Please describe your organization’s private-label credit card transaction processing
services (choose one):
1a. If Only owned receivables is chosen, please indicate the name of the
processor:

Only owned
receivables
[ ]

Processed
transactions
[ ]

If your organization does not process private-label credit card transactions, this survey is complete. Thank you for your
participation.
Calendar year 2020 private-label credit card transactions
2.

Value ($)

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

Transactions by channel
6.

Number

Less: Denials (authorization declined)

Total authorized transactions
= 2 - 2a
3a.

Value ($)

Total transactions
2a.

Number

Completed transactions (repeat item 4) = 6a + 6b
6a.

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.
6a.1.

Transactions initiated using a merchant-issued card
or token

6a.2.

Transactions initiated using an app on a mobile device
= 6a.2.1 + 6a.2.2
6a.2.1. Transactions initiated using a barcode or
QR code
6a.2.2. Other transactions using an app on a
mobile device

6a.3.

Other (including instant credit or lookup of account
number)

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2021 Networks, Processors, and Issuers Payments Surveys

Private-Label Credit Card Processor Payment Survey

6b.

6b.1.

Buy online (order and payment)/pick up in store

6b.2.

Other remote transactions (no store pickup)

Number

Value ($)

Number

Value ($)

Completed transactions (repeat item 4) = 7a + 7b
7a.

7b.

Transaction value distribution
8.

Value ($)

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.

Transactions from consumer or business/government accounts
7.

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

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2021 Networks, Processors, and Issuers Payments Surveys

Private-Label Credit Card Processor Payment Survey
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. 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 initiated using an app on a mobile device
10a.2.1. Transactions initiated using a barcode or
QR code
10a.2.2. Other transactions 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. Buy online (order and payment)/pick up in store
10b.2. Other remote transactions (no store pickup)

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Private-Label Credit Card Processor Payment Survey
Third-party fraudulent transactions from consumer or
business/government accounts

Number

Value ($)

Number

Value ($)

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. Include
both consumer credit and charge cards.
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 businessrelated transactions. Include corporate charge, small business,
travel/entertainment, procurement, and fleet cards.

Third-party fraudulent transaction value distribution
12. Third-party fraudulent transactions (repeat item 9)

= 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

Virtual cards
13. Please indicate if your organization issued or processed

transactions for virtual credit or charge cards during calendar year
2020.

Number of cards outstanding

[ ] Yes
[ ] No
[ ] Don’t know

Active cards

14. Number of active and total private-label credit or charge cards
outstanding as of December 31, 2020 = 14a + 14b

14a. Virtual cards (digital cards with no associated physical card)
14b. Physical cards

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2021 Networks, Processors, and Issuers Payments Surveys

Total cards

Private-Label Credit Card Processor Payment Survey
Active cards
15. Number of active and total private-label credit or charge cards

outstanding as of December 31, 2020 (repeat item 14) = 15a + 15b
15a. Cards for consumer accounts
15b. Cards for business/government (commercial) accounts

Comments:

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2021 Networks, Processors, and Issuers Payments Surveys

Total cards

General-Purpose Debit Card Network Payment Survey
For total general-purpose debit card network transactions, please include all those initiated by the acquirer and made with
US general-purpose debit cards (either physical or virtual) 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).
The social distancing impacts of the pandemic outbreak during 2020 are widely reported to have affected payment
choices. To help the Federal Reserve identify the impact, this survey requests additional quarterly data on shifts between
the in-person and remote channels as well as chip-authenticated contact and contactless payments. Your response to
these questions will help assure a more complete picture of the extent and persistence of these changes throughout the
year.
Calendar year 2020 general-purpose debit card transactions
1.

Please indicate what data are reported in your response to this survey. Your
organization may offer both non-prepaid and prepaid debit card authorization and
settlement services. If possible, please only report non-prepaid debit card network
transactions in this survey (the default selection).

[ ] Non-prepaid debit only
[ ] Both non-prepaid and prepaid
debit

Number
2.

Total transactions
Do not include electronic benefits transfer (EBT) card or ATM transactions.
2a.

Total authorized transactions
= 2 - 2a
3a.

Less: Denials (authorization declined)

Less: Pre-authorization only (authorized but not settled)

Net, authorized & settled transactions
= 3 - 3a
4a.

Less: Cash-back at the point of sale

4b.

Less: Adjustments and returns
= 4b.1 + 4b.2
4b.1.

Chargebacks (issuer initiated)

4b.2.

Other adjustments and returns (acquirer initiated)

5. 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.

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2021 Networks, Processors, and Issuers Payments Surveys

Value ($)

General-Purpose Debit Card Network Payment Survey
6.

Preferred basis for reporting
payment transactions
Among the different subtotals of payment transactions listed above, which would you
prefer to use to report more detailed allocations of payment transactions below? If
possible, please use 4. Net, authorized & settled transactions (the default selection).

[ ] 3. Total authorized transactions
[ ] 4. Net, authorized & settled
transactions
[ ] 5. Net, purchase transactions

Transactions by channel
7.

Number

[your selection of payment transaction type above] = 7a + 7b
2020 - Quarter 1
2020 - Quarter 2
2020 - Quarter 3
2020 - Quarter 4
7a.

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 cardnot-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.
2020 - Quarter 1
2020 - Quarter 2
2020 - Quarter 3
2020 - Quarter 4

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, these include card-not-present transactions. Also include
any remote transactions classified as card-present solely because of the level
of authentication.
2020 - Quarter 1
2020 - Quarter 2
2020 - Quarter 3
2020 - Quarter 4

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Value ($)

General-Purpose Debit Card Network Payment Survey
Number
7b.1.

Mail-order/telephone-order transactions (MOTO)
Remote purchase transactions for which the merchant receives an
order through the mail or over the telephone. Card is typically
charged at time of shipment or delivery. If possible, please exclude
payments on account, e.g., bill pay.

7b.2.

Internet purchase transactions (E-commerce)
Purchase transactions for goods and services from a merchant web
site or mobile app (i.e., M-commerce). May involve varying levels of
authentication including the keyed entry of a card number, use of
“card on file” information, or redirection to a payment service. Card is
typically charged at time of shipment or delivery. If possible, please
exclude payments on account, e.g., bill pay.

7b.3.

7b.4.

Other remote transactions
Transactions that do not belong or do not have identifiers to assign
into the remote transaction categories provided above.
7b.4.1. To help analysts better understand the content
of “Other remote transactions” please select all
that apply

Value ($)

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General-Purpose Debit Card Network Payment Survey
In-person transactions by authentication method
8.

In-person transactions (repeat item 7a) = 8a + 8b
8a.

8b.

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
2020 - Quarter 1
2020 - Quarter 2
2020 - Quarter 3
2020 - Quarter 4
9a.

Contact transactions (chip card inserted or “dipped”)
2020 - Quarter 1
2020 - Quarter 2
2020 - Quarter 3
2020 - Quarter 4

9b.

Contactless transactions (chip card or mobile device RFID,
“tap” or “wave”)
2020 - Quarter 1
2020 - Quarter 2
2020 - Quarter 3
2020 - Quarter 4

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2021 Networks, Processors, and Issuers Payments Surveys

Number

Value ($)

General-Purpose Debit Card Network Payment Survey
Transactions with domestic or cross-border merchants/payees

Number

Value ($)

Number

Value ($)

Number

Value ($)

Number

Value ($)

10. [your selection of payment transaction type above] (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) = 10b.1 + 10b.2
10b.1. In-person transactions
10b.2. Remote transactions

Transactions from consumer or business/government accounts
11. [your selection of payment transaction type above] (repeat item 7)
= 11a + 11b
11a. 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. [your selection of payment transaction type above] (repeat item 7)
= 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. Total transactions with non-US cards
(merchants/payees within the US and not included in item 7)

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General-Purpose Debit Card Network Payment Survey
Third-party fraudulent transactions
14. Please indicate if your network would be able to provide third-party
fraud data.
If Yes (the default selection), please skip question 14a below.

14a. If No, please provide reasons to help us better understand the industry and
select all that apply.

[ ] Yes
[ ] No
[
[
[
[

]
]
]
]

Do not track fraud
Not enough resources
Data sensitivity
Other

If Other, please specify:

Preferred basis for reporting
fraudulent transactions
15. Some organizations may track fraudulent transactions differently than payment
transactions. On which basis would you prefer to report fraudulent transactions
below? If possible, please use 4. Net, authorized & settled transactions (the default
selection).

[ ] 3. Total authorized transactions
[ ] 4. Net, authorized & settled
transactions
[ ] 5. Net, purchase transactions

Number
16. Third-party fraudulent transactions (based on [your selection of
fraudulent transaction type above])
= 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)

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2021 Networks, Processors, and Issuers Payments Surveys

Value ($)

General-Purpose Debit Card Network Payment Survey
Third-party fraudulent transactions by channel

Number

Value ($)

17. Third-party fraudulent transactions (repeat item 16) = 17a + 17b
17a. 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., key-entered
transactions). Do not include fraudulent remote transactions classified as
card-present solely because of the level of authentication.
17b. 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 (MOTO)
Fraudulent remote purchase transactions for which the merchant
receives an order through the mail or over the telephone. Card is
typically charged at time of shipment or delivery. If possible, please
exclude fraudulent payments on account, e.g., bill pay.
17b.2. Internet purchase transactions (E-commerce)
Fraudulent purchase transactions for goods and services from a
merchant web site or mobile app (i.e., M-commerce). May involve
varying levels of authentication including the keyed entry of a card
number, use of “card on file” information, or redirection to a
payment service. Card is typically charged at time of shipment or
delivery. If possible, please exclude fraudulent payments on
account, e.g., bill pay.
17b.3. Recurring/installment transactions
Fraudulent payments of bills or invoices, often on a prearranged
basis and may include “card on file”, based on an ongoing customer
relationship. Also include fraudulent payments made on a monthly
or installment basis. Examples include utility bill payments and
multiple payments for a single purchase.
17b.4. Other/unknown remote transactions
Fraudulent transactions that do not belong or do not have identifiers
to assign into the remote transaction categories provided above.
17b.4.1. To help analysts better understand the
content of “Other remote transactions please
select all that apply.

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2021 Networks, Processors, and Issuers Payments Surveys

General-Purpose Debit Card Network Payment Survey
Third-party fraudulent in-person transactions by authentication
method

Number

Value ($)

Number

Value ($)

Number

Value ($)

18. Third-party fraudulent in-person transactions (repeat item 17a)
= 18a + 18b
18a. Transactions with chip-authentication = 18a.1 + 18a.2
18a.1. Transactions with a PIN
18a.2. Transactions without a PIN
18b. Transactions without chip-authentication = 18b.1 + 18b.2
18b.1. Transactions with a PIN
18b.2. Transactions without a PIN
19. Third-party fraudulent in-person transactions with chipauthentication (repeat item 18a) = 19a + 19b
19a. Contact transactions (chip card inserted or “dipped”)
19b. Contactless transactions (chip card or mobile device RFID,
“tap” or “wave”)

Third-party fraudulent transactions with domestic or crossborder merchants/payees
20. 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) = 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
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 businessrelated transactions. Include corporate charge, small business,
travel/entertainment, procurement, and fleet cards.

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2021 Networks, Processors, and Issuers Payments Surveys

General-Purpose Debit Card Network Payment Survey
Third-party fraudulent transaction value distribution

Number

Value ($)

Number

Value ($)

22. Third-party fraudulent transactions (repeat item 16)
= 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. Third-party fraudulent transactions with non-US cards
(merchants/payees within the US and not included in item 16)

Virtual cards
24. Please indicate if your organization issued or processed
transactions for virtual debit cards during calendar year 2020.

Number of cards outstanding

[ ] Yes
[ ] No
[ ] Don’t know

Active cards

25. Number of active and total debit cards outstanding as of
December 31, 2020 = 25a + 25b
25a. Virtual cards (digital cards with no associated physical card)
25b. Physical cards
26. Number of active and total debit cards outstanding as of
December 31, 2020 (repeat item 25) = 26a + 26b
26a. Cards for consumer accounts
26b. Cards for business/government (commercial) accounts

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2021 Networks, Processors, and Issuers Payments Surveys

Total cards

General-Purpose Debit Card Network Payment Survey
Comments:

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2021 Networks, Processors, and Issuers Payments Surveys

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 (either physical or virtual) 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).
The social distancing impacts of the pandemic outbreak during 2020 are widely reported to have affected payment
choices. To help the Federal Reserve identify the impact, this survey requests additional quarterly data on shifts between
the in-person and remote channels as well as chip-authenticated contact and contactless payments. Your response to
these questions will help assure a more complete picture of the extent and persistence of these changes throughout the
year.
Calendar year 2020 general-purpose prepaid card transactions
1.

Total transactions
Do not include: electronic benefits transfer (EBT) card transactions, ATM
transactions or transactions that your organization processed but were originated
on another network.
1a.

Total authorized transactions
= 1 - 1a
2a.

Less: Denials (authorization declined)

Less: Pre-authorization only (authorized but not settled)

Net, authorized & settled transactions
= 2 - 2a
3a.

Less: Cash-back at the point of sale

3b.

Less: Adjustments and returns
= 3b.1 + 3b.2
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.

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2021 Networks, Processors, and Issuers Payments Surveys

Number

Value ($)

General-Purpose Prepaid Card Network Payment Survey
5.

Preferred basis for reporting
payment transactions
[ ] 2. Total authorized transactions
[ ] 3. Net, authorized & settled
transactions
[ ] 4. Net, purchase transactions

Number

Transactions by channel
6.

[your selection of payment transaction type above] = 6a + 6b
2020 - Quarter 1
2020 - Quarter 2
2020 - Quarter 3
2020 - Quarter 4
6a.

6b.

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2021 Networks, Processors, and Issuers Payments Surveys

Value ($)

General-Purpose Prepaid Card Network Payment Survey
Number
6b.1.

6b.2.

6b.3.

6b.4.

Other/unknown remote transactions
Transactions that do not belong or do not have identifiers to assign
into the remote transaction categories provided above.
6b.4.1. To help analysts better understand the
content of “Other remote transactions” please
select all that apply.

Value ($)

In-person transactions by authentication method
7.

In-person transactions (repeat item 6a) = 7a + 7b
7a.

7b.

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

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2021 Networks, Processors, and Issuers Payments Surveys

Number

Value ($)

General-Purpose Prepaid Card Network Payment Survey
8.

Number

Value ($)

Number

Value ($)

In-person transactions with chip-authentication (repeat item 7a)
= 8a + 8b
2020 - Quarter 1
2020 - Quarter 2
2020 - Quarter 3
2020 - Quarter 4
8a.

Contact transactions (chip card inserted or “dipped”)
2020 - Quarter 1
2020 - Quarter 2
2020 - Quarter 3
2020 - Quarter 4

8b.

Contactless transactions (chip card or mobile device RFID,
“tap” or “wave”)
2020 - Quarter 1
2020 - Quarter 2
2020 - Quarter 3
2020 - Quarter 4

Transactions with domestic or cross-border merchants/payees
9.

[your selection of payment transaction type above] (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

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2021 Networks, Processors, and Issuers Payments Surveys

General-Purpose Prepaid Card Network Payment Survey
Transactions from consumer or business/government accounts

Number

Value ($)

Number

Value ($)

Number

Value ($)

10. [your selection of payment transaction type above] (repeat item 6)
= 10a + 10b
10a. 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 generalpurpose 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. [your selection of payment transaction type above] (repeat item 6)
= 11a + 11b
11a. Transactions with reloadable cards
11b. Transactions with non-reloadable cards

Transaction value distribution
12. [your selection of payment transaction type above] (repeat item 6)
= 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

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2021 Networks, Processors, and Issuers Payments Surveys

General-Purpose Prepaid Card Network Payment Survey
Transactions with non-US cards

Number

Value ($)

13. Total transactions with non-US cards
(merchants/payees within the US and not included in item 6)

Third-party fraudulent transactions
14. Please indicate if your network would be able to provide third-party
fraud data.
If Yes (the default selection), please skip question 14a below.

14a. If No, please provide reasons to help us better understand the industry and
select all that apply.

[ ] Yes
[ ] No
[
[
[
[

]
]
]
]

Do not track fraud
Not enough resource
Data sensitivity
Other

If Other, please specify:

[ ] 3. Total authorized transactions
[ ] 4. Net, authorized & settled
transactions
[ ] 5. Net, purchase transactions

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2021 Networks, Processors, and Issuers Payments Surveys

Value ($)

General-Purpose Prepaid Card Network Payment Survey
Third-party fraudulent transactions by channel

Number

Value ($)

17. Third-party fraudulent transactions (repeat item 16) = 17a + 17b
17a. 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., key-entered
transactions). Do not include fraudulent remote transactions classified as
card-present solely because of the level of authentication.
17b. 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 (MOTO)
Fraudulent remote purchase transactions for which the merchant
receives an order through the mail or over the telephone. Card is
typically charged at time of shipment or delivery. If possible, please
exclude fraudulent payments on account, e.g., bill pay.
17b.2. Internet purchase transactions (E-commerce)
Fraudulent purchase transactions for goods and services from a
merchant web site or mobile app (i.e., M-commerce). May involve
varying levels of authentication including the keyed entry of a card
number, use of “card on file” information, or redirection to a
payment service. Card is typically charged at time of shipment or
delivery. If possible, please exclude fraudulent payments on
account, e.g., bill pay.
17b.3. Recurring/installment transactions
Fraudulent payments of bills or invoices, often on a prearranged
basis and may include “card on file”, based on an ongoing customer
relationship. Also include fraudulent payments made on a monthly
or installment basis. Examples include utility bill payments and
multiple payments for a single purchase.
17b.4. Other remote transactions
Fraudulent transactions that do not belong or do not have identifiers
to assign into the remote transaction categories provided above.
17b.4.1. To help analysts better understand the
content of “Other remote transactions” please
select all that apply.

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2021 Networks, Processors, and Issuers Payments Surveys

General-Purpose Prepaid Card Network Payment Survey
Third-party fraudulent in-person transactions by authentication
method

Number

Value ($)

Number

Value ($)

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2021 Networks, Processors, and Issuers Payments Surveys

General-Purpose Prepaid Card Network Payment Survey
Third-party fraudulent transactions from consumer or
business/government accounts

Number

Value ($)

Number

Value ($)

Number

Value ($)

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 generalpurpose 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 accounts (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 businessrelated transactions. Include corporate charge, small business,
travel/entertainment, procurement, and fleet cards.

Third-party fraudulent transactions with reloadable or nonreloadable 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. Third-party fraudulent transactions (repeat item 16)
= 23a + 23b + 23c + 23d + 23e + 23f + 23g + 23h + 23i
23a. 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

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2021 Networks, Processors, and Issuers Payments Surveys

General-Purpose Prepaid Card Network Payment Survey
Third-party fraudulent transactions with non-US cards

Number

Value ($)

24. Third-party fraudulent transactions with non-US cards
(merchants/payees within the US and not included in item 16)

Virtual cards
25. Please indicate if your organization issued or processed
transactions for virtual prepaid cards during calendar year 2020.

Number of cards outstanding

[ ] Yes
[ ] No
[ ] Don’t know

Active cards

26. Number of active and total general-purpose prepaid cards
outstanding as of December 31, 2020 = 26a + 26b
26a. Virtual cards (digital cards with no associated physical card)
26b. Physical cards
27. Number of active and total general-purpose prepaid cards
outstanding as of December 31, 2020 (repeat item 26) = 27a + 27b
27a. Cards for consumer accounts
27b. Cards for business/government (commercial) accounts

Comments:

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2021 Networks, Processors, and Issuers Payments Surveys

Total cards

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.
Calendar year 2020 ATM transactions
1.

Number

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.2.1. With government-administered generalpurpose prepaid cards
1c.2.2. With other prepaid cards (non-governmentadministered)

1c.3.

From credit cards

1d.

Deposits

1e.

Account-to-account transfers

1f.

Other

Cash withdrawals by authentication method
2.

Cash withdrawals (repeat item 1c) = 2a + 2b
2a.

2b.

With chip-authentication = 2a.1 + 2a.2
2a.1.

With contact chip card (“Dip”)

2a.2.

Contactless, with contactless card or mobile device
(“Tap”)

Without chip-authentication = 2b.1 + 2b.2
2b.1.

No card (“Scan”)
using mobile device barcode/QR code or key enter code

2b.2.

With card (“Swipe”)
using traditional magstripe

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2021 Networks, Processors, and Issuers Payments Surveys

Automated Teller Machine Card Network Transaction Survey
Cash withdrawals by ATM location
3.

Value ($)

Number

Value ($)

Cash withdrawals (repeat item 1c) = 3a + 3b
3a.

Domestic cash withdrawals with US cards
(ATMs located within the US)

3b.

Cross-border cash withdrawals with US cards
(ATMs located outside the US)

Cash withdrawals at domestic ATMs with non-US cards
4.

Number

Cash withdrawals with non-US cards
(ATMs within the US and not included in item 1c)

Third-party fraudulent cash withdrawals
5.

Please indicate if your network would be able to provide third-party
fraud data.
If Yes (the default selection), please skip question 5a below.

[ ] Yes
[ ] No

5a.

[
[
[
[

If No, please provide reasons to help us better understand the industry and
select all that apply.

]
]
]
]

Do not track fraud
Not enough resource
Data sensitivity
Other

If Other, please specify:

Number
6.

Third-party fraudulent cash withdrawals = 6a + 6b + 6c + 6d + 6e
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.
6a.

Lost or stolen card

6b.

Card issued but not received

6c.

Fraudulent application (account issued to someone using a
fake identity)

6d.

Counterfeit card (card-present/stolen card data)

6e.

Other (including account takeover)

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2021 Networks, Processors, and Issuers Payments Surveys

Value ($)

Automated Teller Machine Card Network Transaction Survey
Third-party fraudulent cash withdrawals by authentication
method
7.

7b.

Number

Value ($)

Number

Value ($)

With chip-authentication = 7a.1 + 7a.2
7a.1.

With contact chip card (“Dip”)

7a.2.

Contactless, with contactless card or mobile device
(“Tap”)

Without chip-authentication = 7b.1 + 7b.2
7b.1.

No card (“scan”)
using mobile device barcode/QR code or key enter code

7b.2.

With card (“swipe”)
using traditional magstripe

Third-party fraudulent cash withdrawals by ATM location
Third-party fraudulent cash withdrawals (repeat item 6) = 8a + 8b
8a.

Domestic cash withdrawals with US cards
(ATMs located within the US)

8b.

Cross-border cash withdrawals with US cards
(ATMs located outside the US)

Third-party fraudulent cash withdrawals at domestic ATMs with
non-US cards
9.

Value ($)

Third-party fraudulent cash withdrawals (repeat item 6) = 7a + 7b
7a.

Number

Third-party fraudulent cash withdrawals with non-US cards
(ATMs within the US and not included in item 6)

Number of ATM terminals

Total terminals

10. Number of ATM terminals as of December 31, 2019 = 10a + 10b
10a. Chip-accepted terminals
10b. Chip-not-accepted terminals

11. Number of ATM terminals as of December 31, 2020 = 11a + 11b
11a. Chip-accepted terminals
11b. Chip-not-accepted terminals

Comments:

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2021 Networks, Processors, and Issuers Payments Surveys

Electronic Benefits Transfer Card Processor Payment Survey
For total electronic benefits transfer (EBT) card transactions, please include all those that are initiated with an EBT card to
access funds and/or make purchases at approved merchants in 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.
Calendar year 2020 EBT card transactions
1.

Less: Denials (authorization declined)

Total authorized transactions
= 1 - 1a
2a.

Less: Pre-authorization only (authorized but not settled)

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
[ ] 2. Total authorized transactions
[ ] 3. Net, authorized & settled
transactions
[ ] 4. Net, purchase transactions

Transactions by channel
6.

Value ($)

Total transactions
1a.

Number

[your selection of payment transaction type above] = 6a + 6b
6a.

In-person transactions
Transactions for which the card user is present at a merchant location using
an EBT card or a mobile device accessing EBT funds for SNAP or WIC.

6b.

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 (e.g., online purchase).
6b.1.

Buy online (order and payment)/pick up in store

6b.2.

Other remote transactions (no store pickup)

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2021 Networks, Processors, and Issuers Payments Surveys

Value ($)

Electronic Benefits Transfer Card Processor Payment Survey
Transactions by government-administered program type
7.

Value ($)

[your selection of payment transaction type above]
= 7a + 7b + 7c + 7d
7a.

SNAP

7b.

WIC

7c.

TANF

7d.

Other
e.g., state and federal programs with cash benefits including Social Security
and unemployment
Preferred basis for reporting
fraudulent transactions

Third-party fraudulent transactions
8.

Number

Some organizations may track fraudulent transactions differently than payment
transactions. On which basis would you prefer to report fraudulent transactions
below? If possible, please use 3. Net, authorized & settled transactions (the default
selection).

[ ] 2. Total authorized transactions
[ ] 3. Net, authorized & settled
transactions
[ ] 4. Net, purchase transactions

Number

Value ($)

Number

Value ($)

Third-party fraudulent transactions (based on [your selection of
fraudulent transaction type above]) = 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. In-person transactions
Fraudulent transactions for which the card user is present at a merchant
location using an EBT card or a mobile device accessing EBT funds for
SNAP or WIC.
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 (e.g., online purchase).
10b.1. Buy online (order and payment)/pick up in store
10b.2. Other remote transactions (no store pickup)

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2021 Networks, Processors, and Issuers Payments Surveys

Electronic Benefits Transfer Card Processor Payment Survey
Active cards

Number of cards outstanding
11. Number of active and total EBT cards outstanding as of
December 31, 2020 = 11a + 11b + 11c + 11d
11a. SNAP
11b. WIC
11c. TANF
11d. Other
e.g., state and federal programs with cash benefits including Social Security
and unemployment

Comments:

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2021 Networks, Processors, and Issuers Payments Surveys

Total cards

Private-Label Prepaid Card Issuer and Processor Payment Survey
For total private-label prepaid card transactions, please include all those originated from US-domiciled private-label
(closed-loop) prepaid accounts and made with both physical and virtual 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 prepaid card accounts (e.g., monthly transaction fees, dormancy fees) are not considered
to be payment transactions and should be excluded.
Calendar year 2020 private-label prepaid card transactions
1.

Value ($)

Less: Pre-authorization only (authorized but not completed
or posted)

Completed transactions (posted to card accounts)
= 2 - 2a
3a.

Less: Cash-back at the point of sale

3b.

Less: Adjustments and returns

Transactions by channel
5.

Number

Less: Denials (authorization declined)

Total authorized transactions
= 1 - 1a
2a.

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.

Number

Completed transactions (repeat item 3) = 5a + 5b
5a.

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.
5a.1.

Transactions initiated using a merchant-issued card
or token

5a.2.

Transactions initiated using an app on a mobile device
= 5a.2.1 + 5a.2.2
5a.2.1. Transactions initiated using a barcode or
QR code
5a.2.2. Other transactions using an app on a
mobile device

5a.3.

Other (including instant credit or lookup of account
number)

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2021 Networks, Processors, and Issuers Payments Surveys

Private-Label Prepaid Card Issuer and Processor Payment Survey
5b.

5b.1.

Buy online (order and payment)/pick up in store

5b.2.

Other remote transactions (no store pickup)

6a.

Transactions with reloadable cards

6b.

Transactions with non-reloadable cards

Value ($)

Number

Value ($)

Number

Value ($)

Completed transactions (repeat item 3) = 7a + 7b
7a.

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

Completed transactions (repeat item 3) = 6a + 6b

Transactions with purchased or redemption cards
7.

Value ($)

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.

Transactions with reloadable or non-reloadable cards
6.

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)

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2021 Networks, Processors, and Issuers Payments Surveys

Private-Label Prepaid Card Issuer and Processor Payment Survey
Third-party fraudulent transactions by channel
9.

Number

Value ($)

Number

Value ($)

Number

Value ($)

Third-party fraudulent transactions (repeat item 8) = 9a + 9b
9a.

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.
9a.1.

Transactions initiated using a merchant-issued card
or token

9a.2.

Transactions initiated using an app on a mobile device

9a.3.
9b.

9a.2.1.

Transactions initiated using a barcode or
QR code

9a.2.2.

Other transactions using an app on a
mobile device

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.

Buy online (order and payment)/pick up in store

9b.2.

Other remote transactions (no store pickup)

Third-party fraudulent transactions with reloadable or nonreloadable 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. 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.

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2021 Networks, Processors, and Issuers Payments Surveys

Private-Label Prepaid Card Issuer and Processor Payment Survey
Card funding by customer or merchant - how value was loaded into
card account

Number

Value ($)

12. Total credits/loads = 12a + 12b
12a. Funds loaded by customers = 12a.1 + 12a.2
12a.1. Initial loads
12a.2. Reloads
12b. Credits/loads provided by merchants (e.g., incentives,
rewards, rebates)

Virtual cards
13. Please indicate if your organization issued or processed

transactions for virtual prepaid card accounts during calendar year
2020.

Number of cards outstanding

[ ] Yes
[ ] No
[ ] Don’t know

Active cards

14. Number of active and total private-label prepaid cards outstanding
as of December 31, 2020 = 14a + 14b

14a. Virtual cards (digital cards with no associated physical card)
14b. Physical cards

15. Number of active and total private-label prepaid cards outstanding
as of December 31, 2020 (repeat item 14) = 15a + 15b
15a. Reloadable cards
15b. Non-reloadable cards

Comments:

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2021 Networks, Processors, and Issuers Payments Surveys

Total cards

Person-to-Person and Money Transfer Processor Payment Survey
Please include all transactions originated on your person-to-person (P2P) or money transfer system. These funds
transfers are typically 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 transactions made from non-US-domiciled accounts to US payees. Do not include declined
transactions.
To avoid double counting transactions, please count only those originated (i.e., “push transactions”) on your P2P or
Money Transfer system, including transactions received on another system. Do not count the receipt of a transaction (i.e.,
“a pull transaction”) separately from its origination, or count a transaction originated on another system and received on
yours. If you cannot separate the originated transactions on your system from the available data, please provide your
estimate of the P2P and money transfer transactions originated on your system and indicate that it is an estimate in the
comment box at the bottom of this sheet.
Calendar year 2020 person-to-person & money transfer
transactions
1.

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

Value ($)

Number

Value ($)

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

Transaction funding by instrument (how the customer paid for
the transfer)
4.

Number

Total transactions (repeat item 1) = 2a + 2b

Transactions by origination channel
3.

Value ($)

Total transactions
Do not include declined transactions.

Transactions with domestic or cross-border payees
2.

Number

Total transactions (repeat item 1) = 4a + 4b + 4c + 4d + 4e
4a.

Cash or check

4b.

General-purpose card network (credit, debit, or prepaid card)

4c.

Automated clearinghouse transfer (ACH debit or credit)

4d.

Internal prefunded/prepaid account or internal book transfer

4e.

Other (e.g., wire, real-time payment system)

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2021 Networks, Processors, and Issuers Payments Surveys

Person-to-Person and Money Transfer Processor Payment Survey
Transaction value distribution
5.

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 $1,000.00 or greater in total value

Number

Value ($)

Number

Value ($)

Number

Value ($)

Third-party fraudulent transactions (repeat item 7) = 8a + 8b
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.

Value ($)

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 crossborder payees
8.

Number

Cross-border transactions from non-US-domiciled accounts
(payees within the US and not included in item 1)

Third-party fraudulent transactions
7.

Value ($)

Total transactions (repeat item 1) = 5a + 5b + 5c + 5d + 5e + 5f + 5g

Transactions from non-US-domiciled accounts
6.

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

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2021 Networks, Processors, and Issuers Payments Surveys

Person-to-Person and Money Transfer Processor Payment Survey
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:

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2021 Networks, Processors, and Issuers Payments Surveys

Number

Value ($)

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.
Calendar year 2020 mobile wallet transactions
1.

Number

Value ($)

Purchase transactions = 1a.1 + 1a.2
1a.1.

In-person transactions
Mobile transactions at the point of sale.

1a.2.

Remote transactions (person not at merchant location)
Mobile transactions for which the customer is not at the merchant
point of sale.

1b.

Person-to-person or peer-to-peer (P2P) transactions
Funds transfers between individuals.

1c.

Other transactions

In-person purchase transactions (repeat item 1a.1) = 2a + 2b
2a.

Radio transmission RFID/NFC (“Tap” device at terminal)

2b.

Optical barcode/QR code (“Scan” device display)

Transaction value distribution
3.

Value ($)

Total transactions = 1a + 1b + 1c
Do not include declined transactions.
1a.

Number

Total transactions (repeat item 1)
= 3a + 3b + 3c + 3d + 3e + 3f + 3g + 3h + 3i
3a.

Transactions with less than $5.00 in total value

3b.

Transactions with $5.00 to $9.99 in total value

3c.

Transactions with $10.00 to $14.99 in total value

3d.

Transactions with $15.00 to $24.99 in total value

3e.

Transactions with $25.00 to $49.99 in total value

3f.

Transactions with $50.00 to $99.99 in total value

3g.

Transactions with $100.00 to $499.99 in total value

3h.

Transactions with $500.00 to $999.99 in total value

3i.

Transactions with $1000.00 or greater in total value

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2021 Networks, Processors, and Issuers Payments Surveys

Mobile Wallet Processor Payment Survey
Third-party fraudulent transactions
4.

Purchase transactions = 4a.1 + 4a.2
4a.1.

In-person transactions
Fraudulent mobile transactions at the point of sale.

4a.2.

Remote transactions (person not at merchant location)
Fraudulent mobile transactions for which the customer is not at the
merchant point of sale.

4b.

Person-to-person or peer-to-peer (P2P) transactions
Fraudulent funds transfers between individuals.

4c.

Other

Third-party fraudulent in-person purchase transactions
(repeat item 4a.1) = 5a + 5b
5a.

Radio transmission RFID/NFC (“Tap” device at terminal)

5b.

Optical barcode/QR code (“Scan” device display)
Preferred basis for
reporting mobile wallet activity

Number of provisioned mobile wallets
6.

Value ($)

Third-party fraudulent transactions = 4a + 4b + 4c
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.
4a.

Number

Active mobile wallets are mobile wallets that were provisioned and were used
to make at least one purchase or bill payment over a period of time.
On which basis would you prefer to report active cards below? If possible, please
use 1 year (the default selection).

[ ] 1 month

[ ] 3 months

[ ] 6 months

[ ] 1 year

[ ] Other, please describe below:
______________________________________

Active
mobile wallets
7.

Number of active and total provisioned mobile wallets
as of December 31, 2019

Number of active and total provisioned mobile wallets
as of December 31, 2020

Comments:

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2021 Networks, Processors, and Issuers Payments Surveys

Total
mobile wallets

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File Modified	2022-07-29
File Created	2021-11-30