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

Federal Reserve Payments Study

FR3066b_2022_f

FR 3066b

OMB: 7100-0351

⚠️ Notice: This form may be outdated. More recent filings and information on OMB 7100-0351 can be found here:

2025-02-20 - No material or nonsubstantive change to a currently approved collection

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FR 3066b
OMB No. 7100-0351
Approval expires July 31, 2025

Networks, Processors, and
Issuers Payments Surveys
(NPIPS)
Survey Period:
Calendar Year 2022
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

2023 Networks, Processors, and Issuers Payments Surveys

General Instructions
About the study
The Federal Reserve Payments Study estimates national aggregate payments through the collection of survey data from
payment organizations and depository institutions. The study includes the Networks, Processors, and Issuers Payments
Surveys (NPIPS) and the Depository and Financial Institution Payments Survey (DFIPS). Aggregate results will be
compared to those of previous studies to track changes and identify trends in US payments.

About this survey
This survey, part of the 2023 NPIPS, covers general-purpose credit card network transactions for calendar year 2022.
Allocations of transactions are requested for several category types, including transactions classified as fraudulent by an
unauthorized third party. Counts of the number of physical or virtual cards carrying your organization's network brand that
are issued and outstanding are also requested.

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
Your organization was selected to participate in this survey because it represents a unique and important component of
general-purpose credit card network transactions for payment from accounts domiciled in the United States. Data from
your response will contribute to estimates of the national aggregate number and value of electronic payments made in the
US.

Data Entry
Items left blank can be difficult to interpret and may generate follow-up questions. If appropriate, please enter one of these
alternatives:
* Enter "0" if the requested item is known to be zero. (Items that are not applicable to your institution are typically
equal to zero.)
* Enter "NR" if the requested item is known to be nonzero but cannot be reported.
If estimated amounts rather than actual amounts are reported for any item(s), please explain in the comments field at the
bottom of each sheet.

Definitions and examples
Definitions and examples can be found in the glossary.

Questions?
If you have questions about the survey content or problems with the submission process, please contact
FRPSCommunications@atl.frb.org.

2023 Networks, Processors, and Issuers Payments Surveys

General-Purpose Credit Card Network Payment Survey
Please report data on general-purpose credit card transactions and related information for calendar year 2022.
Responding completely and accurately will help ensure accuracy of the aggregate estimates.
Include:
* Only credit or charge cards and transactions carrying your organization's network brand
* All domestic and cross-border transactions associated with US-domiciled credit card accounts
* Physical or virtual credit or charge cards
Do not include:
* Original credit transactions (OCTs) or push payment credits
* Transactions processed by your organization but carrying another organization's network brand
* Debit card, prepaid card, or private-label (closed loop) transactions
* Non-network transactions (i.e., convenience checks or balance transfers)
* Transactions originated from foreign accounts (except for questions 12 and 21)
Calendar year 2022 general-purpose credit card transactions
1.

Total transactions
1a.

Less: Denials (authorization declined)

Total authorized transactions
= 1 - 1a
2a.

Number

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

2023 Networks, Processors, and Issuers Payments Surveys

Value ($)

General-Purpose Credit Card Network Payment Survey
Preferred basis for reporting
payment transactions
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)

Transactions by channel
6.

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

Number

[your selection of payment transaction type above] = 6a + 6b
2022 - Quarter 1
2022 - Quarter 2
2022 - Quarter 3
2022 - 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.
2022 - Quarter 1
2022 - Quarter 2
2022 - Quarter 3
2022 - Quarter 4

6b.

Remote transactions (card user not at merchant location)
= 6b.1 + 6b.2 + 6b.3 + 6b.4
Transactions for which the card user does not interact with a physical
terminal or other device provided by the merchant or payee. Typically, these
include card-not-present transactions. Also include any remote transactions
classified as card-present solely because of the level of authentication.
2022 - Quarter 1
2022 - Quarter 2
2022 - Quarter 3
2022 - Quarter 4

2023 Networks, Processors, and Issuers Payments Surveys

Value ($)

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

6b.2.

Internet purchase transactions (E-commerce)
Purchase transactions for goods and services from a merchant
website 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.

Number

Value ($)

Number

Value ($)

Please describe any significant transaction types
included in the "Other remote transactions" category
above:

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

2023 Networks, Processors, and Issuers Payments Surveys

General-Purpose Credit Card Network Payment Survey
8.

Number

Value ($)

Number

Value ($)

In-person transactions with chip-authentication (repeat item 7a)
= 8a + 8b
2022 - Quarter 1
2022 - Quarter 2
2022 - Quarter 3
2022 - Quarter 4
8a.

Contact transactions (chip card inserted or "dipped")
2022 - Quarter 1
2022 - Quarter 2
2022 - Quarter 3
2022 - Quarter 4

8b.

Contactless transactions (chip card or mobile device RFID,
"tap" or "wave")
2022 - Quarter 1
2022 - Quarter 2
2022 - Quarter 3
2022 - Quarter 4

Transactions by merchant or payee location
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

2023 Networks, Processors, and Issuers Payments Surveys

General-Purpose Credit Card Network Payment Survey
Transactions by card user account type

Number

Value ($)

Number

Value ($)

Number

Value ($)

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)

2023 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 third-party fraudulent transactions differently than
payment transactions. On which basis would you prefer to report third-party
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
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)

2023 Networks, Processors, and Issuers Payments Surveys

Value ($)

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

Number

15. Third-party fraudulent transactions (repeat item 14) = 15a + 15b
15a. In-person transactions
Fraudulent transactions the card user initiates by interacting with a physical
terminal or other device provided by the merchant or payee, usually with a
card or mobile device. 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 does not interact with a
physical terminal or other device provided by the merchant or payee.
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 website 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.
15b.3. Bill pay: recurring/subscription/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.
Please describe any significant fraudulent transaction
types included in the "Other remote transactions"
category above:

2023 Networks, Processors, and Issuers Payments Surveys

Value ($)

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

Number

Value ($)

Number

Value ($)

Number

Value ($)

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")

Third-party fraudulent transactions by merchant or payee
location
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 by card user account type
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.

2023 Networks, Processors, and Issuers Payments Surveys

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

Number

Value ($)

Number

Value ($)

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)

Virtual cards
22. Please indicate if your organization issued or processed
transactions for virtual general-purpose credit or charge cards
during calendar year 2022.
A virtual card is a digital representation of a general-purpose credit or charge card
that does not exist in physical form. Typically stored in a digital wallet for online, inapp, or in-person purchases with a mobile device (using NFC or barcode scanner).
Do not count individual tokenized transactions as virtual cards.

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, 2022 = 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, 2022 (repeat item 23) = 24a + 24b
24a. Cards for consumer accounts
24b. Cards for business/government (commercial) accounts

2023 Networks, Processors, and Issuers Payments Surveys

Total cards

General-Purpose Credit Card Network Payment Survey
Comments:

2023 Networks, Processors, and Issuers Payments Surveys

Private-Label Credit Card Merchant Issuer Payment Survey
Please report data on private-label credit card transactions and related information for calendar year 2022. Responding
completely and accurately will help ensure accuracy of the aggregate estimates.
Include:
* Only private-label credit cards and transactions that your organization processed in-house
* Transactions on a closed loop point-of-sale system for use at your retail stores or online establishments
* All domestic and cross-border transactions associated with US-domiciled credit card accounts
* Both consumer and business/government card transactions
* Physical or virtual credit or charge cards
Do not include:
* General-purpose (i.e., network-branded Visa, MC, Amex, Discover) credit, debit, or prepaid card transactions
* Transactions for which your organization was only the receivables owner but not the transaction processor
* Transactions originated from foreign accounts
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 2022 private-label credit card transaction processing
1.

100%
in-house
[ ]

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 2022,
please indicate the period of time in 2022 that your
organization did not outsource:

From
(2022)

Partially
outsourced
[ ]

Fully
outsourced
[ ]

mm/dd

(2022)

Calendar year 2022 private-label credit card receivables ownership
2.

100%
in-house
[ ]

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.

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.

2023 Networks, Processors, and Issuers Payments Surveys

Private-Label Credit Card Merchant Issuer Payment Survey
Calendar year 2022 private-label credit card transactions
3.

Value ($)

Less: Pre-authorization only (authorizes 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

Transactions by channel
7.

Number

Less: Denials (authorization declined)

Total authorized transactions
= 3 - 3a
4a.

Value ($)

Total transactions
3a.

Number

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

In-person transactions = 7a.1 + 7a.2 + 7a.3
Transactions the card user initiates by interacting with a physical terminal or
other device provided by the merchant or payee, usually with a card or
mobile device. Also include card-not-present transactions for which the card
user is present at the point of sale (e.g., key-entered transactions).
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 does not interact with a physical
terminal or other device provided by the merchant or payee. Typically, these
include card-not-present transactions.
7b.1.

Buy online (order and payment)/pick up in store,
curbside, or locker

7b.2.

Other remote transactions (no store pickup)

2023 Networks, Processors, and Issuers Payments Surveys

Private-Label Credit Card Merchant Issuer Payment Survey
Transactions by card user account type
8.

Value ($)

Number

Value ($)

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.

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.

Transaction value distribution
9.

Number

Completed transactions (repeat item 5)
= 9a + 9b + 9c + 9d + 9e + 9f + 9g + 9h + 9i
9a.

Transactions with less than $5.00 in total value

9b.

Transactions with $5.00 to $9.99 in total value

9c.

Transactions with $10.00 to $14.99 in total value

9d.

Transactions with $15.00 to $24.99 in total value

9e.

Transactions with $25.00 to $49.99 in total value

9f.

Transactions with $50.00 to $99.99 in total value

9g.

Transactions with $100.00 to $499.99 in total value

9h.

Transactions with $500.00 to $999.99 in total value

9i.

Transactions with $1000.00 or greater in total value

2023 Networks, Processors, and Issuers Payments Surveys

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

Number

Value ($)

Number

Value ($)

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)

Third-party fraudulent transactions by channel
11. Third-party fraudulent transactions (repeat item 10) = 11a + 11b
11a. In-person transactions = 11a.1 + 11a.2 + 11a.3
Fraudulent transactions the card user initiates by interacting with a physical
terminal or other device provided by the merchant or payee, usually with a
card or mobile device. Also include fraudulent card-not-present transactions
for which the card user is present at the point of sale (e.g., key-entered
transactions).
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 does not interact with a
physical terminal or other device provided by the merchant or payee.
Typically, these include fraudulent card-not-present transactions.
11b.1. Buy online (order and payment)/pick up in store,
curbside, or locker
11b.2. Other remote transactions (no store pickup)

2023 Networks, Processors, and Issuers Payments Surveys

Private-Label Credit Card Merchant Issuer Payment Survey
Third-party fraudulent transactions by card user account type

Number

Value ($)

Number

Value ($)

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.
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.

Third-party fraudulent transaction value distribution
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 private-label credit or charge cards during
calendar year 2022.
A virtual card is a digital representation of a private-label credit or charge card that
does not exist in physical form. Typically stored in a digital wallet for online, in-app,
or in-person purchases with a mobile device (using NFC or barcode scanner). Do
not count individual tokenized transactions as virtual cards.

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, 2022 = 15a + 15b

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

2023 Networks, Processors, and Issuers Payments Surveys

Total cards

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

outstanding as of December 31, 2022 (repeat item 15) = 16a + 16b
16a. Cards for consumer accounts
16b. Cards for business/government (commercial) accounts

Comments:

2023 Networks, Processors, and Issuers Payments Surveys

Total cards

Private-Label Credit Card Processor Payment Survey
Please report data on private-label credit card transactions and related information for calendar year 2022. Responding
completely and accurately will help ensure accuracy of the aggregate estimates.
Include:
* Only private-label credit cards and transactions that your organization issued and processed in-house
on behalf of merchant customers
* Transactions on a closed loop point-of-sale system
* All domestic and cross-border transactions associated with US-domiciled credit card accounts
* Physical or virtual credit or charge cards
Do not include:
* General-purpose (i.e., network-branded Visa, MC, Amex, Discover) credit, debit, or prepaid card transactions
* Transactions for which your organization was only the receivables owner but not the transaction processor
* Transactions originated from foreign accounts
Calendar year 2022 transaction processing
1.

Transaction processing
Please describe your organization's private-label credit card transaction processing
services (choose one):
1a.

Only owned
receivables
[ ]

Processed
transactions
[ ]

If Only owned receivables is chosen, please indicate the name of the
processor:

If your organization does not process private-label credit card transactions, this survey is complete. Thank you for
your participation.
Calendar year 2022 private-label credit card transactions
2.

Total transactions
2a.

Less: Denials (authorization declined)

Total authorized transactions
= 2 - 2a
3a.

Number

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

2023 Networks, Processors, and Issuers Payments Surveys

Value ($)

Private-Label Credit Card Processor Payment Survey
Transactions by channel
6.

Number

Value ($)

Number

Value ($)

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

In-person transactions = 6a.1 + 6a.2 + 6a.3
Transactions the card user initiates by interacting with a physical terminal or
other device provided by the merchant or payee, usually with a card or
mobile device. Also include card-not-present transactions for which the card
user is present at the point of sale (e.g., key-entered transactions).
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.
6b.

Other (including instant credit or lookup of account
number)

Remote transactions (person not at merchant location
= 6b.1 + 6b.2
Transactions for which the card user does not interact with a physical
terminal or other device provided by the merchant or payee. Typically, these
include card-not-present transactions.
6b.1.

Buy online (order and payment)/pick up in store,
curbside, or locker

6b.2.

Other remote transactions (no store pickup)

Transactions by user account type
7.

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

Transactions from consumer accounts
Transactions made with cards (including virtual cards) issued to a consumer
for the purpose of making consumer-related transactions.

7b.

2023 Networks, Processors, and Issuers Payments Surveys

Private-Label Credit Card Processor Payment Survey
Transaction value distribution
8.

Value ($)

Number

Value ($)

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

Third-party fraudulent transactions
9.

Number

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)

2023 Networks, Processors, and Issuers Payments Surveys

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

Number

Value ($)

Number

Value ($)

10. Third-party fraudulent transactions (repeat item 9) = 10a + 10b
10a. In-person transactions = 10a.1 + 10a.2 + 10a.3
Fraudulent transactions the card user initiates by interacting with a physical
terminal or other device provided by the merchant or payee, usually with a
card or mobile device. Also include fraudulent card-not-present transactions
for which the card user is present at the point of sale (e.g., key-entered
transactions).
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 + 10a.2.2
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 does not interact with a
physical terminal or other device provided by the merchant or payee.
Typically, these include fraudulent card-not-present transactions.
10b.1. Buy online (order and payment)/pick up in store,
curbside, or locker
10b.2. Other remote transactions (no store pickup)

Third-party fraudulent transactions from consumer or
business/government accounts
11. Third-party fraudulent transactions (repeat item 9) = 11a + 11b
11a. Transactions from consumer accounts
Fraudulent transactions made with cards (including virtual cards) issued to a
consumer for the purpose of making consumer-related transactions.
11b. Transactions from business/government (commercial)
accounts
Fraudulent transactions made with cards (including virtual cards) issued to a
business or government or its employee for the purpose of making businessrelated transactions. Include corporate charge, small business,
travel/entertainment, procurement, and fleet cards.

2023 Networks, Processors, and Issuers Payments Surveys

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

Number

Value ($)

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

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, 2022 = 14a + 14b

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

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

outstanding as of December 31, 2022 (repeat item 14) = 15a + 15b
15a. Cards for consumer accounts
15b. Cards for business/government (commercial) accounts

2023 Networks, Processors, and Issuers Payments Surveys

Total cards

Private-Label Credit Card Processor Payment Survey
Comments:

2023 Networks, Processors, and Issuers Payments Surveys

General-Purpose Debit Card Network Payment Survey
Please report data on general-purpose debit card transactions and related information for calendar year 2022.
Responding completely and accurately will help ensure accuracy of the aggregate estimates.
Include:
* Only debit cards and transactions carrying your organization's network brand
* All domestic and cross-border transactions associated with US-domiciled transaction deposit accounts
* Physical or virtual debit cards
Do not include:
* Original credit transactions (OCTs) or push payment credits
* Transactions processed by your organization but carrying another organization's network brand
* Credit card or private-label (closed loop) transactions
* Non-network transactions
* Electronic benefits transfer (EBT) card transactions
* ATM transactions
* Transactions originated from foreign accounts (except for questions 13 and 23)
Calendar year 2022 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)

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.

2023 Networks, Processors, and Issuers Payments Surveys

Value ($)

General-Purpose Debit Card Network Payment Survey
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
2022 - Quarter 1
2022 - Quarter 2
2022 - Quarter 3
2022 - Quarter 4
7a.

In-person transactions
Transactions the card user initiates by interacting with a physical terminal or
other device provided by the merchant or payee, usually with a card or
mobile device. Also include card-not-present transactions for which the card
user is present at the point of sale (e.g., key-entered transactions). Do not
include remote transactions classified as card-present solely because of the
level of authentication.
2022 - Quarter 1
2022 - Quarter 2
2022 - Quarter 3
2022 - Quarter 4

7b.

Remote transactions (person not at merchant location)
= 7b.1 + 7b.2 + 7b.3 + 7b.4
Transactions for which the card user does not interact with a physical
terminal or other device provided by the merchant or payee. Typically, these
include card-not-present transactions. Also include any remote transactions
classified as card-present solely because of the level of authentication.
2022 - Quarter 1
2022 - Quarter 2
2022 - Quarter 3
2022 - Quarter 4

2023 Networks, Processors, and Issuers Payments Surveys

Value ($)

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

7b.2.

Internet purchase transactions (E-commerce)
Purchase transactions for goods and services from a merchant
website 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.

Value ($)

Please describe any significant transaction types
included in the "Other remote transactions" category
above:

In-person transactions by authentication method
8.

Number

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

2023 Networks, Processors, and Issuers Payments Surveys

Value ($)

General-Purpose Debit Card Network Payment Survey
9.

Number

Value ($)

Number

Value ($)

In-person transactions with chip-authentication (repeat item 8a)
= 9a + 9b
2022 - Quarter 1
2022 - Quarter 2
2022 - Quarter 3
2022 - Quarter 4
9a.

Contact transactions (chip card inserted or "dipped")
2022 - Quarter 1
2022 - Quarter 2
2022 - Quarter 3
2022 - Quarter 4

9b.

Contactless transactions (chip card or mobile device RFID,
"tap" or "wave")
2022 - Quarter 1
2022 - Quarter 2
2022 - Quarter 3
2022 - Quarter 4

Transactions by merchant or payee location
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

2023 Networks, Processors, and Issuers Payments Surveys

General-Purpose Debit Card Network Payment Survey
Transactions by card user account type

Number

Value ($)

Number

Value ($)

Number

Value ($)

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)

2023 Networks, Processors, and Issuers Payments Surveys

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 third-party fraudulent transactions differently than

payment transactions. On which basis would you prefer to report third-party
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)

2023 Networks, Processors, and Issuers Payments Surveys

Value ($)

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

Number

17. Third-party fraudulent transactions (repeat item 16) = 17a + 17b
17a. In-person transactions
Fraudulent transactions the card user initiates by interacting with a physical
terminal or other device provided by the merchant or payee, usually with a
card or mobile device. 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 (card user not at merchant location)
= 17b.1 + 17b.2 + 17b.3 + 17b.4
Fraudulent transactions for which the card user does not interact with a
physical terminal or other device provided by the merchant or payee.
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 website 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.
Please describe any significant fraudulent transaction
types included in the "Other remote transactions"
category above:

2023 Networks, Processors, and Issuers Payments Surveys

Value ($)

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 by merchant or payee
location
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 by card user account type
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.

2023 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.
A virtual card is a digital representation of a general-purpose debit card that does
not exist in physical form. Typically stored in a digital wallet for online, in-app, or inperson purchases with a mobile device (using NFC or barcode scanner). Do not
count individual tokenized transactions as virtual cards.

Number of cards outstanding

[ ] Yes
[ ] No
[ ] Don't know

Active cards

25. Number of active and total debit cards outstanding as of
December 31, 2022 = 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, 2022 (repeat item 25) = 26a + 26b
26a. Cards for consumer accounts
26b. Cards for business/government (commercial) accounts

2023 Networks, Processors, and Issuers Payments Surveys

Total cards

General-Purpose Debit Card Network Payment Survey
Comments:

2023 Networks, Processors, and Issuers Payments Surveys

General-Purpose Prepaid Card Network Payment Survey
Please report data on general-purpose prepaid card transactions and related information for calendar year 2022.
Responding completely and accurately will help ensure accuracy of the aggregate estimates.
Include:
* Only prepaid cards and transactions carrying your organization's network brand
* All domestic and cross-border transactions associated with US-domiciled prepaid card program accounts
* Physical or virtual prepaid cards
Do not include:
* Original credit transactions (OCTs) or push payment credits
* Transactions processed by your organization but carrying another organization's network brand
* Credit card, non-prepaid debit card, or private-label (closed loop) transactions
* Non-network transactions
* Electronic benefits transfer (EBT) card transactions
* ATM transactions
* Transactions originated from foreign accounts (except for questions 13 and 24)
Calendar year 2022 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.

Less: Denials (authorization declined)

Total authorized transactions
= 1 - 1a
2a.

Number

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.

2023 Networks, Processors, and Issuers Payments Surveys

Value ($)

General-Purpose Prepaid Card Network Payment Survey
Preferred basis for reporting
payment transactions
5.

Transactions by channel
6.

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

Number

[your selection of payment transaction type above] = 6a + 6b
2022 - Quarter 1
2022 - Quarter 2
2022 - Quarter 3
2022 - Quarter 4
6a.

6b.

Remote transactions (person not at merchant location)
= 6b.1 + 6b.2 + 6b.3 + 6b.4
Transactions for which the card user does not interact with a physical
terminal or other device provided by the merchant or payee. Typically, these
include card-not-present transactions. Also include any remote transactions
classified as card-present solely because of the level of authentication.
2022 - Quarter 1
2022 - Quarter 2
2022 - Quarter 3
2022 - Quarter 4

2023 Networks, Processors, and Issuers Payments Surveys

Value ($)

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

6b.2.

Internet purchase transactions (E-commerce)
Purchase transactions for goods and services from a merchant's
website 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.

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.

Number

Value ($)

Number

Value ($)

Please describe any significant transaction types
included in the "Other remote transactions" category
above:

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

2023 Networks, Processors, and Issuers Payments Surveys

General-Purpose Prepaid Card Network Payment Survey
8.

Number

Value ($)

Number

Value ($)

In-person transactions with chip-authentication (repeat item 7a)
= 8a + 8b
2022 - Quarter 1
2022 - Quarter 2
2022 - Quarter 3
2022 - Quarter 4
8a.

Contact transactions (chip card inserted or "dipped")
2022 - Quarter 1
2022 - Quarter 2
2022 - Quarter 3
2022 - Quarter 4

8b.

Contactless transactions (chip card or mobile device RFID,
"tap" or "wave")
2022 - Quarter 1
2022 - Quarter 2
2022 - Quarter 3
2022 - Quarter 4

Transactions by merchant or payee location
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

2023 Networks, Processors, and Issuers Payments Surveys

General-Purpose Prepaid Card Network Payment Survey
Transactions by card user account type

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/HSA 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

2023 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.

[ ] Yes
[ ] No
[
[
[
[

14a. If No, please select all that apply.

]
]
]
]

Do not track fraud
Not enough resource
Data sensitivity
Other, please specify below.

Preferred basis for reporting
fraudulent transactions
15. Some organizations may track third-party fraudulent transactions differently than
payment transactions. On which basis would you prefer to report third-party
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
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)

2023 Networks, Processors, and Issuers Payments Surveys

Value ($)

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

Number

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 the card user initiates by interacting with a physical
terminal or other device provided by the merchant or payee, usually with a
card or mobile device. 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.1. Mail-order/telephone-order transactions (MOTO)
Fraudulent transactions for which the card user does not interact
with a physical terminal or other device provided by the merchant or
payee. 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.2. Internet purchase transactions (E-commerce)
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.3. Bill pay: recurring/subscription/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.
Please describe any significant fraudulent transaction
types included in the "Other remote transactions"
category above:

2023 Networks, Processors, and Issuers Payments Surveys

Value ($)

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

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")

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General-Purpose Prepaid Card Network Payment Survey
Third-party fraudulent transactions by card user account type

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/HSA 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

2023 Networks, Processors, and Issuers Payments Surveys

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

Number

Value ($)

Number

Value ($)

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

Third-party fraudulent transactions with non-US cards
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 general-purpose prepaid cards during
calendar year 2022.
A virtual card is a digital representation of a general-purpose prepaid card that does
not exist in physical form. Typically stored in a digital wallet for online, in-app, or inperson purchases with a mobile device (using NFC or barcode scanner). Do not
count individual tokenized transactions as virtual cards.

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, 2022 = 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, 2022 (repeat item 26) = 27a + 27b
27a. Cards for consumer accounts
27b. Cards for business/government (commercial) accounts

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Total cards

General-Purpose Prepaid Card Network Payment Survey
Comments:

2023 Networks, Processors, and Issuers Payments Surveys

Automated Teller Machine Card Network Transaction Survey
Please report data on automated teller machine card network transactions and related information for calendar year
requested below. Responding completely and accurately will help ensure accuracy of the aggregate estimates.
Include:
* All ATM transactions processed through your organization's ATM network switch
* Transactions made with ATM, debit, prepaid, and credit cards issued on US-domiciled accounts (US cards)
* Domestic and cross-border transactions with US cards
* Chip-accepted and chip-not-accepted ATM terminals
Do not include:
* Cash withdrawals made with non-US cards (except for questions 4 and 9)
Calendar year 2022 ATM transactions
1.

Value ($)

Number

Value ($)

Total ATM transactions = 1a + 1b + 1c + 1d + 1e + 1f
1a.

Denials/declines

1b.

Balance inquiries

1c.

Cash withdrawals = 1c.1 + 1c.2 + 1c.3
1c.1.

From non-prepaid debit cards

1c.2.

From prepaid debit cards

1c.3.

From credit cards

1d.

Deposits

1e.

Account-to-account transfers

1f.

Other

Cash withdrawals by authentication method
2.

Number

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

2b.

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

With contact chip card (insert or "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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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, select all that apply.

]
]
]
]

Do not track fraud
Not enough resource
Data sensitivity
Other, please specify below.

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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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 (insert or "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, 2021 = 10a + 10b
10a. Chip-accepted terminals
10b. Chip-not-accepted terminals

11. Number of ATM terminals as of December 31, 2022 = 11a + 11b
11a. Chip-accepted terminals
11b. Chip-not-accepted terminals

Comments:

2023 Networks, Processors, and Issuers Payments Surveys

Electronic Benefits Transfer Card Processor Payment Survey
Please report data on electronic benefits transfer (EBT) card transactions and related information for calendar year 2022.
Responding completely and accurately will help ensure accuracy of the aggregate estimates.
Include:
* Only EBT cards and transactions 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
* Purchases and cash-back at the point of sale
* ATM withdrawals and other payments using EBT cards for which your organization was the processor
Do not include:
* General-purpose (i.e., network-branded Visa, MC, Amex, Discover) credit, debit, or prepaid card transactions
* Private-label credit or prepaid card transactions
Calendar year 2022 EBT card transactions
1.

Total transactions
1a.

Less: Denials (authorization declined)

Total authorized transactions
= 1 - 1a
2a.

Number

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

2023 Networks, Processors, and Issuers Payments Surveys

Value ($)

Electronic Benefits Transfer Card Processor Payment Survey
Preferred basis for reporting
payment transactions

Transactions by channel
6.

Number

Value ($)

Number

Value ($)

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

In-person transactions
Transactions the card user initiates by interacting with a physical terminal or
other device provided by the merchant or payee, usually with an EBT card or
a mobile device accessing EBT funds for SNAP or WIC. 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.

6b.

Remote transactions (card user not at merchant location)
= 6b.1 + 6b.2
Transactions for which the card user does not interact with a physical
terminal or other device provided by the merchant or payee. Typically, these
include card-not-present transactions. Also include any remote transactions
classified as card-present solely because of the level of authentication.
6b.1.

Buy online (order and payment)/pick up in store,
curbside, or locker

6b.2.

Other remote transactions (no store pickup)

Transactions by government-administered program type
7.

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

[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

2023 Networks, Processors, and Issuers Payments Surveys

Electronic Benefits Transfer Card Processor Payment Survey
Preferred basis for reporting
fraudulent transactions

Third-party fraudulent transactions
8.

Some organizations may track third-party fraudulent transactions differently than
payment transactions. On which basis would you prefer to report third-party
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 the card user initiates by interacting with a physical
terminal or other device provided by the merchant or payee, usually with an
EBT card or a mobile device accessing EBT funds for SNAP or WIC. 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.
10b. Remote transactions (person not at merchant location)
= 10b.1 + 10b.2
Fraudulent transactions for which the card user does not interact with a
physical terminal or other device provided by the merchant or payee.
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.
10b.1. Buy online (order and payment)/pick up in store,
curbside, or locker
10b.2. Other remote transactions (no store pickup)

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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, 2022 = 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:

2023 Networks, Processors, and Issuers Payments Surveys

Total cards

Private-Label Prepaid Card Issuer and Processor Payment Survey
Please report data on private-label prepaid card transactions and related information for calendar year 2022. Responding
completely and accurately will help ensure accuracy of the aggregate estimates.
Include:
* Only private-label prepaid cards and transactions under a single merchant brand or group of brands
* Transactions on a closed loop point-of-sale system used at your retail stores or online establishments
* Reloadable and non-reloadable cards and transactions
* Cards and transactions for accounts domiciled in the United States
* Physical or virtual prepaid cards
Do not include:
* General-purpose (i.e., network-branded Visa, MC, Amex, Discover) credit, debit, or prepaid card
transactions
* Transactions for which your organization was only the receivables owner but not the transaction processor
* Any fees charged to the prepaid card accounts (e.g., monthly transaction fees, dormancy fees)
* Transactions originated from foreign accounts
* Card funding transactions (requested separately in question 9)
Calendar year 2022 private-label prepaid card transactions
1.

Total transactions
Do not include card funding transactions (requested separately in question 9) or
fees charged to the cards (e.g., monthly transaction fees, dormancy fees).
1a.

Less: Denials (authorization declined)

Total authorized transactions
= 1 - 1a
2a.

Number

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

2023 Networks, Processors, and Issuers Payments Surveys

Value ($)

Private-Label Prepaid Card Issuer and Processor Payment Survey
Transactions by channel
5.

Number

Value ($)

Number

Value ($)

Number

Value ($)

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

In-person transactions = 5a.1 + 5a.2 + 5a.3
Transactions the card user initiates by interacting with a physical terminal or
other device provided by the merchant or payee, usually with a card or
mobile device. Also include card-not-present transactions for which the card
user is present at the point of sale (e.g., key-entered transactions).
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.
5b.

Other (including instant credit or lookup of account
number)

Remote transactions (person not at merchant location)
= 5b.1 + 5b.2
Transactions for which the card user does not interact with a physical
terminal or other device provided by the merchant or payee. Typically, these
include card-not-present transactions.
5b.1.

Buy online (order and payment)/pick up in store,
curbside, or locker

5b.2.

Other remote transactions (no store pickup)

Transactions with reloadable or non-reloadable cards
6.

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

Transactions with reloadable cards

6b.

Transactions with non-reloadable cards

Transactions with purchased or redemption cards
7.

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.

2023 Networks, Processors, and Issuers Payments Surveys

Private-Label Prepaid Card Issuer and Processor Payment Survey
Third-party fraudulent transactions
8.

Value ($)

Number

Value ($)

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)

Card Funding by customer or merchant - how value was loaded into
card account
9.

Number

Total credits/loads = 9a + 9b
9a.

Funds loaded by customers = 9a.1 + 9a.2
9a.1.

9a.2.

9b.

Initial loads
Number of newly purchased and issued cards and initial balances
on the associated card accounts.
Reloads
Number of times and corresponding amounts of additional funds
added to existing card accounts.

Credits/loads provided by merchants (e.g., incentives,
rewards, rebates)

Virtual Cards
10. Please indicate if your organization issued or processed

transactions for virtual private-label prepaid cards during calendar
year 2022.
A virtual card is a digital representation of a private-label prepaid card that does not
exist in physical form. Typically stored in a digital wallet for online, in-app, or inperson purchases with a mobile device (using NFC or barcode scanner). Do not
count individual tokenized transactions as virtual cards.

Number of cards outstanding

[ ] Yes
[ ] No
[ ] Don't know

Active Cards

11. Number of active and total private-label prepaid cards outstanding
as of December 31, 2022 = 11a + 11b

11a. Virtual cards (digital cards with no associated physical card)
11b. Physical cards

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Total Cards

Private-Label Prepaid Card Issuer and Processor Payment Survey
Active Cards
12. Number of active and total private-label prepaid cards outstanding
as of December 31, 2022 (repeat item 11) = 12a + 12b
12a. Reloadable cards
12b. Non-reloadable cards

Comments:

2023 Networks, Processors, and Issuers Payments Surveys

Total Cards

Person-to-Person and Money Transfer Processor Payment Survey
Please report data on person-to-person (P2P) and money transfer transactions and related information for calendar year
2022. Responding completely and accurately will help ensure accuracy of the aggregate estimates.
Include:
* Only transactions originated on your P2P or money transfer system, including those received on another system
* Funds transfers typically between individuals, usually feature an online system, agent, email or mobilephone-based system
Do not include:
* Transactions made from non-US-domiciled accounts to US payees (requested separately in questions 8 and 13)
Note: P2P & Money Transfers are generally initiated by the payer (i.e., "push" transactions). Sometimes a transfer
requires an action by the payee to receive the transfer, such as an acceptance or request (i.e., a "pull" transaction). Do
not count the receipt or pull of a transaction separately from its origination or push, 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 2022 person-to-person & money transfer
transactions
1.

Number

Value ($)

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

Domestic transactions from US-domiciled accounts
(payees within the US)

2b.

Cross-border transactions from US-domiciled accounts
(payees outside the US)

Transactions by origination channel – how the customer accesses the
P2P system
3.

Value ($)

Total transactions
Do not include declined transactions.

Transactions by payee location
2.

Number

Total transactions (repeat item 1) = 3a + 3b + 3c + 3d
3a.

Website

3b.

Mobile phone (via an application or text message)

3c.

In person (via agent location, kiosk or ATM)

3d.

All other

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Value ($)

Person-to-Person and Money Transfer Processor Payment Survey
Transaction funding by instrument – how the customer pays for the
transfer
4.

Value ($)

Number

Value ($)

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, RTP system)

Transaction value distribution – how the funds are transferred to the
beneficiary
5.

Number

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

Automated clearinghouse (ACH) = 5a.1 + 5a.2
Transfers to beneficiary's deposit account are submitted via an ACH entry.
5a.1.

Same-day ACH
Interbank funds are transferred the same day the transaction is
submitted.

5a.2.

All other ACH
Interbank funds are transferred one or more days after the
transaction is submitted.

5b.

General-purpose card network (debit, prepaid, or credit)
Sometimes called original credit transactions (OCTs) or push payment
credits

5c.

Wire (CHIPS, FedWire) or instant payment (RTP, FedNow)
system
Interbank funds are transferred in real-time to beneficiary's deposit account.

5d.

Internal book transfer
Funds are transferred to beneficiary's account on the books of your
organization.

5e.

Check
A check is sent to the beneficiary. Funds are transferred once deposited or
cashed.

5f.

All other including on-demand cash from agent or teller
Funds are made available via a transfer to a third party on the beneficiary's
behalf, or via a system not listed.

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Person-to-Person and Money Transfer Processor Payment Survey
Transactions by disbursement speed - how quickly funds are made
available to the beneficiary
6.

6a.

Immediate transactions
Funds are sent with real-time or near-real-time availability to beneficiary. We
assume such funds are typically made available within 30 minutes or less. (If
your organization uses a different standard, please describe in the comments
field at the end of this form.)

6b.

All other

7a.

Transactions with less than $25.00 in total value

7b.

Transactions with $25.00 to $49.99 in total value

7c.

Transactions with $50.00 to $99.99 in total value

7d.

Transactions with $100.00 to $249.99 in total value

7e.

Transactions with $250.00 to $499.99 in total value

7f.

Transactions with $500.00 to $999.99 in total value

7g.

Transactions with $1000.00 or greater in total value

Value ($)

Number

Value ($)

Number

Value ($)

Number

Value ($)

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

Third-party fraudulent transactions
9.

Number

Total transactions (repeat item 1) = 7a + 7b + 7c + 7d + 7e + 7f + 7g

Transactions from non-US-domiciled accounts
8.

Value ($)

Total transactions (repeat item 1) = 6a + 6b

Transaction value distribution
7.

Number

Third-party fraudulent transactions
Include all unauthorized third-party fraudulent transactions that cleared and settled
for which funds subsequently became available to the perpetrator. Do not include
fraud attempts that were prevented before they were cleared and settled, or fraud
committed by the accountholder or other users authorized to make payments.

Third-party fraudulent transactions by payee location
10. Third-party fraudulent transactions (repeat item 9) = 10a + 10b
10a. Domestic transactions from US-domiciled accounts (payees
within the US)
10b. Cross-border transactions from US-domiciled accounts
(payees outside the US)

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Person-to-Person and Money Transfer Processor Payment Survey
Third-party fraudulent transactions by origination channel - how
the customer accesses the P2P system

Number

Value ($)

Number

Value ($)

Number

Value ($)

11. Third-party fraudulent transactions (repeat item 9)
= 11a + 11b + 11c + 11d
11a. Website
11b. Mobile Wallet (via an application or text message)
11c. In person (via agent location, kiosk or ATM)
11d. All other

Third-party fraudulent transactions by disbursement speed - how
quickly funds are transferred to beneficiary
12. Third-party fraudulent transactions (repeat item 9) = 12a + 12b
12a. Immediate transactions
Funds are sent fraudulently with real-time or near-real-time availability to
beneficiary. We assume such funds are typically made available within 30
minutes or less. (If your organization uses a different standard, please
describe in the comments field at the end of this form.)
12b. All other

Third-party fraudulent transactions from non-US-domiciled
accounts
13. Third-party fraudulent transactions from non-US-domiciled

accounts (payees within the US and not included in item 9)

Comments:

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Mobile Wallet Processor Payment Survey
Please report data on mobile wallet transactions and related information for calendar year 2022. Responding completely
and accurately will help ensure accuracy of the aggregate estimates.
Include:
* Only transactions originated on your mobile wallet platform, including those received on another system
* All domestic and cross-border transactions associated with US-domiciled accounts
Do not include:
* Transactions made from non-US-domiciled accounts to US payees
Calendar year 2022 mobile wallet transactions
1.

Please indicate what type(s) of mobile wallet transactions are reported in your
response to this survey.

[ ] Open-use general purpose (pay
unaffiliated organizations)
[ ] Closed-use (payment limited to
issuer's stores or affiliates
[ ] Both

Number
2.

Total transactions = 2a + 2b + 2c
Do not include declined transactions.
2a.

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

In-person transactions
Mobile wallet transactions at the merchant point of sale. Typically
includes mobile wallet transactions the customer initiates by
interacting with a physical terminal or other device provided by the
merchant or payee. Also may include in-person mobile wallet
transactions initiated by other means.

2a.2.

Remote transactions (person not at merchant
location)
Mobile wallet transactions for which the customer is not at the
merchant point of sale. Typically includes mobile wallet transactions
for which the customer does not interact with a physical terminal or
other device provided by the merchant or payee.

2b.

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

2c.

Other transactions

In-person purchase transactions (repeat item 2a.1) = 3a + 3b
3a.

Radio transmission RFID/NFC ("Tap" device at terminal)

3b.

Optical barcode/QR code ("Scan" device display)

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Value ($)

Mobile Wallet Processor Payment Survey
Transaction value distribution
4.

4a.

Transactions with less than $5.00 in total value

4b.

Transactions with $5.00 to $9.99 in total value

4c.

Transactions with $10.00 to $14.99 in total value

4d.

Transactions with $15.00 to $24.99 in total value

4e.

Transactions with $25.00 to $49.99 in total value

4f.

Transactions with $50.00 to $99.99 in total value

4g.

Transactions with $100.00 to $499.99 in total value

4h.

Transactions with $500.00 to $999.99 in total value

4i.

Transactions with $1000.00 or greater in total value

Number

Value ($)

Third-party fraudulent transactions = 5a + 5b + 5c
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.
5a.

Purchase transactions = 5a.1 + 5a.2
5a.1.

5a.2.

Value ($)

Total transactions (repeat item 2)
= 4a + 4b + 4c + 4d + 4e + 4f + 4g + 4h + 4i

Third-party fraudulent transactions
5.

Number

In-person purchase transactions
Fraudulent mobile wallet transactions at the merchant point of sale.
Typically includes fraudulent mobile wallet transactions the
customer initiates by interacting with a physical terminal or other
device provided by the merchant or payee. Also may include inperson fraudulent mobile wallet transactions initiated by other
means.
Remote purchase transactions (customer not at
merchant location)
Fraudulent mobile wallet transactions for which the customer is not
at the merchant point of sale. Typically includes fraudulent mobile
wallet transactions for which the customer does not interact with a
physical terminal or other device provided by the merchant or
payee.

5b.

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

5c.

Other

Third-party fraudulent in-person purchase transactions
(repeat item 5a.1) = 6a + 6b
6a.

Radio transmission RFID/NFC ("Tap" device at terminal)

6b.

Optical barcode/QR code ("Scan" device display)

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Mobile Wallet Processor Payment Survey
Preferred basis for
reporting mobile wallet activity

Number of provisioned mobile wallets
7.

Active mobile wallets are mobile wallets that were provisioned and were used
to make at least one payment over a period of time. In which basis would you prefer
to report active mobile wallets 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
8.

Number of active and total provisioned mobile wallets
as of December 31, 2021

Number of active and total provisioned mobile wallets
as of December 31, 2022

Comments:

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Total
mobile wallets

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