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HomeMy WebLinkAboutInv# MarinaSept2021 - FIRST DATA - 09/30/2021SpendTrend®Current Volume By Card Type ©2020 SunTrust Merchant Services, LLC. SunTrust®, the SunTrust logo, and SunTrust Merchant Services® are trademarks of Truist Financial Corporation. All rights reserved. Merchant Services are provided by SunTrust Merchant Services, LLC, an alliance between FDS Holdings, Inc. and Truist. DANIA BEACH MARINA ADAM SEGAL 151 N BEACH RD DANIA BEACH FL 33004 -3023 YOUR CARD PROCESSING STATEMENT Page 1 of 5 THIS IS NOT A BILL Statement Period 09/01/21 - 09/30/21 Merchant Number 276213112887 Customer Service Website - www.businesstrack.com Phone - 1-800-432-7628 Year-over-year Growth SEP '20 vs SEP '21 Thirteen Month - Total Sales Sep-20Oct-20Nov-20Dec-20Jan-21Feb-21Mar-21Apr-21May-21Jun-21Jul-21Aug-21Sep-21$50,000 $57,500 $65,000 $72,500 $80,000 $87,500 $95,000 $102,500 0% 2% 4% 6% 8% 10% 12% 14% 16% 18% 20% 9.0 1.6 7.2 10.5 3.4 6.8 Dollar Volume Growth Transaction Growth Average Ticket Growth Your Business Similar Businesses in Miami-Fort Lauderdale-Pompano Beach MASTERCARD VISA DISCOVER $26,202.97 $43,437.97 $2,499.50 PO Box 2394, Omaha, NE 68103-2394 SUMMARY An overview of account activity for the statement period. Total Amount Submitted $72,140.44 Chargebacks/Reversals 0.00 Adjustments 0.00 Fees -$2,060.48 Total Amount Processed $70,079.96 Page 2 Page 3 Page 3 Page 3 ©2020 SunTrust Merchant Services, LLC. SunTrust®, the SunTrust logo, and SunTrust Merchant Services® are trademarks of Truist Financial Corporation. All rights reserved. Merchant Services are provided by SunTrust Merchant Services, LLC, an alliance between FDS Holdings, Inc. and Truist. YOUR CARD PROCESSING STATEMENT Merchant Number 276213112887 Customer Service Website - www.businesstrack.com Phone - 1-800-432-7628 Page 2 of 5 Statement Period 09/01/21 - 09/30/21 IMPORTANT INFORMATION ABOUT YOUR ACCOUNT IMPORTANT INFORMATION: Recently, the Card Brand & Debit Network Organizations announced several operational and interchange program & rate changes. You can see a summary of these changes in the enclosed "Summary of Fall 2021 Card Brand & Debit Network Organization Changes". Please also refer to the following documents in the "Resources" section on www.businesstrack.com for updated Card Brand & Debit Network Organization information that will be applied to your account as of October 2021. * "Interchange Rate/Fee Schedule" describes the interchange fees and requirements for Visa, Mastercard and Discover card transactions. * "Interchange Qualification Matrix" provides a description of the various interchange levels established by the various payment card brands, as well as the primary qualification criteria for each interchange level, and similar information related to Debit networks. * "American Express OptBlue Program Pricing Guide" provides a description of the American Express OptBlue program fees, requirements, and qualification criteria for your American Express card transactions. * "Card Organization Pass Through Fee Schedule" provides information about fees charged by the Card Organizations that are passed on to your account. * "Summary of Fall 2021 Card Brand & Debit Network Organization Changes" provides a summary of the recently announced changes (also enclosed in this statement). Please note, to access these documents and other valuable information, you will need to register and/or log into www.businesstrack.com. To register, you will need your Merchant Identification Number, Tax ID and your business checking account number. If you have trouble finding the referenced documents once logged into the site, please contact the customer service phone number listed on this statement to request a copy. SUMMARY BY DAY Date Submitted Submitted Amount Chargebacks/ Reversals Adjustments Fees Amount Processed 08/31/21 $2,364.76 0.00 0.00 0.00 $2,364.76 09/02/21 $2,460.83 0.00 0.00 0.00 $2,460.83 09/03/21 $2,540.59 0.00 0.00 0.00 $2,540.59 09/08/21 $1,389.46 0.00 0.00 0.00 $1,389.46 09/09/21 $1,318.81 0.00 0.00 0.00 $1,318.81 09/15/21 $55,720.56 0.00 0.00 0.00 $55,720.56 09/21/21 $6,345.43 0.00 0.00 0.00 $6,345.43 Month End Charge 0.00 0.00 0.00 -$2,060.48 -$2,060.48 Total $72,140.44 0.00 0.00 -$2,060.48 $70,079.96 SUMMARY BY CARD TYPE Total Gross Sales You Submitted Refunds Total Amount You Submitted Card Type Average Ticket Items Amount Items Amount Items Amount Mastercard $1,191.04 22 $26,202.97 0 0.00 22 $26,202.97 VISA $1,206.61 36 $43,437.97 0 0.00 36 $43,437.97 Discover $1,249.75 2 $2,499.50 0 0.00 2 $2,499.50 Total 60 $72,140.44 0 0.00 60 $72,140.44 SUMMARY BY BATCH Total Gross Sales You Submitted Refunds Total Amount You Submitted Batch Submit Date Average Ticket Items Amount Items Amount Items Amount 001083106590 08/31/21 $591.19 4 $2,364.76 0 0.00 4 $2,364.76 001090206960 09/02/21 $1,230.42 2 $2,460.83 0 0.00 2 $2,460.83 001090307040 09/03/21 $2,540.59 1 $2,540.59 0 0.00 1 $2,540.59 001090806670 09/08/21 $1,389.46 1 $1,389.46 0 0.00 1 $1,389.46 YOUR CARD PROCESSING STATEMENT Merchant Number 276213112887 Customer Service Website - www.businesstrack.com Phone - 1-800-432-7628 Page 3 of 5 Statement Period 09/01/21 - 09/30/21 ©2020 SunTrust Merchant Services, LLC. SunTrust®, the SunTrust logo, and SunTrust Merchant Services® are trademarks of Truist Financial Corporation. All rights reserved. Merchant Services are provided by SunTrust Merchant Services, LLC, an alliance between FDS Holdings, Inc. and Truist. SUMMARY BY BATCH Total Gross Sales You Submitted Refunds Total Amount You Submitted Batch Submit Date Average Ticket Items Amount Items Amount Items Amount 001090906900 09/09/21 $1,318.81 1 $1,318.81 0 0.00 1 $1,318.81 001091506880 09/15/21 $1,211.32 46 $55,720.56 0 0.00 46 $55,720.56 001092106810 09/21/21 $1,269.09 5 $6,345.43 0 0.00 5 $6,345.43 Total 60 $72,140.44 0 0.00 60 $72,140.44 CHARGEBACKS/REVERSALS Transactions that are challenged or disputed by a cardholder or card-issuing bank. Date Reference No.Description Card Number (Last 4 Digits)Amount No Chargebacks/Reversals for this Statement Period Total 0.00 ADJUSTMENTS The amounts credited to, or deducted from, your account to resolve processing and billing discrepancies. Date Description Amount No Adjustments for this Statement Period Total 0.00 FEES Amount charged to authorize, process and settle card transactions, along with transaction-based and/or fixed amounts charged for specific card processing services. TRANSACTION FEES Type Amount MASTERCARD MC-HIGH VAL MERIT I Interchange charges -$119.65 MC-BUS LVL 4 DR II PETRO Interchange charges -$49.13 MC-REG CONSM WFRAUD ADJ MC(DB)Interchange charges -$1.72 MC ASSESSMNT TRAN AMT >=$1K .0001 X TRNS $21083.52 Interchange charges -$2.11 MASTERCARD ACCESS FEE 22 TRANSACTIONS AT .034 Interchange charges -$0.75 MC-WORLDCARD MERIT I Interchange charges -$51.04 MC-WORLD ELITE MERIT I Interchange charges -$291.23 MC-COMM DR II PETRO BUS (DB)Interchange charges -$24.79 MC-REGULATED FRD ADJ COMM (DB)Interchange charges -$0.89 MASTERCARD ASSESSMENT FEE .0013 TIMES $26202.97 Interchange charges -$34.06 MASTERCARD SALES DISCOUNT .0075 DISC RATE TIMES $21083.52 Service charges -$158.13 MC LICENSE VOLUME FEE .000217 DISC RATE TIMES $26202.97 Service charges -$5.69 MASTERCARD DEBIT SALES DISC .0075 DISC RATE TIMES $5119.45 Service charges -$38.40 MASTERCARD AUTH FEE 22 TRANSACTIONS AT .1 Fees -$2.20 MC CVC2 TRANSACTION FEE 21 TRANSACTIONS AT .0025 Fees -$0.05 M/C INTERNET AUTH FEE 22 TRANSACTIONS AT .05 Fees -$1.10 VISA VI-CPS CNP (DB)Interchange charges -$91.98 VI-US BUS TR1 PRD 1 Interchange charges -$32.08 VI-REG CONSUMER MQ (DB)Interchange charges -$3.39 VI-US BUS TR4 PRD 1 Interchange charges -$35.38 VISA ACCESS FEE 42 TRANSACTIONS AT .034 Interchange charges -$1.43 VI-US REGULATED COMM (DB)Interchange charges -$5.63 VI-CNP P1 TRADITIONAL Interchange charges -$43.42 VI-CNP P1 REWARDS Interchange charges -$22.71 VISA ASSESSMENT FEE DB .0013 TIMES $18721.88 Interchange charges -$24.34 ©2020 SunTrust Merchant Services, LLC. SunTrust®, the SunTrust logo, and SunTrust Merchant Services® are trademarks of Truist Financial Corporation. All rights reserved. Merchant Services are provided by SunTrust Merchant Services, LLC, an alliance between FDS Holdings, Inc. and Truist. YOUR CARD PROCESSING STATEMENT Merchant Number 276213112887 Customer Service Website - www.businesstrack.com Phone - 1-800-432-7628 Page 4 of 5 Statement Period 09/01/21 - 09/30/21 FEES Amount charged to authorize, process and settle card transactions, along with transaction-based and/or fixed amounts charged for specific card processing services. VISA ASSESSMENT FEE CR .0014 TIMES $24716.09 Interchange charges -$34.60 VI-CNP P1 SIGN INF SNQ Interchange charges -$94.93 VI-CNP P1 SIGN PREF INF SQ Interchange charges -$219.42 VI-US BUS TR2 PRD 1 Interchange charges -$69.13 VI-INTREG BUS/CORP/PURCH (US)Interchange charges -$46.68 VISA DEBIT SALES DISCOUNT .0075 DISC RATE TIMES $18721.88 Service charges -$140.41 VISA SALES DISCOUNT .0075 DISC RATE TIMES $24716.09 Service charges -$185.37 VISA INTERNET AUTH FEE 42 TRANSACTIONS AT .05 Fees -$2.10 VISA AUTH FEE 42 TRANSACTIONS AT .1 Fees -$4.20 DISCOVER DISCOVER ASSESSMENT FEE .0013 TIMES $2499.5 Interchange charges -$3.25 DISCOVER ACCESS FEE 2 TRANSACTIONS AT .034 Interchange charges -$0.07 DSCVR PSLCARDNOTPRESENT(RW)Interchange charges -$50.19 DISCOVER SALES DISCOUNT .0075 DISC RATE TIMES $2499.5 Service charges -$18.75 DISCOVER INTERNET AUTH FEE 2 TRANSACTIONS AT .05 Fees -$0.10 DISCOVER AUTH FEE 2 TRANSACTIONS AT .1 Fees -$0.20 Other MONTHLY ADVANTAGE FEE MCVDB .0003 TIMES $69640.94 Service charges -$20.89 INTERNET AVS AUTH FEE 66 TRANSACTIONS AT .05 Fees -$3.30 TRANSARMOR TOKEN ONLY 66 TRANSACTIONS AT .02 Fees -$1.32 BATCH SETTLEMENT FEE 7 TRANSACTIONS AT .39 Fees -$2.73 TOTAL TRANSACTION FEES -$1,938.94 ACCOUNT FEES Type Amount VS INTL ACQUIRER FEE 2 TRANS TOTALING $2,334.01 Fees -$10.50 TRANSARMOR MONTHLY FEE Fees -$19.95 VISA NETWORK FEE CNP 2-06 Fees -$25.23 PAYEEZY MONTHLY FEE Fees -$19.95 NON RECEIPT OF PCI VALIDATION 1 TRANSACTIONS AT 19.95 Fees -$19.95 DIGITAL ENABLEMENT FEE .0001 X TRNS $26202.97 Fees -$2.62 VISA INTL SERVICE FEE - BASE 0 TRANS TOTALING $2334.01 Fees -$23.34 TOTAL ACCOUNT FEES -$121.54 TOTAL -$2,060.48 Total Interchange Charges -$1,354.00 Total Service Charges -$567.64 Total Fees -$138.84 Total (Service Charges, Interchange Charges, and Fees)-$2,060.48 INTERCHANGE These are the variable fees charged by Card Organizations for processing transactions. The interchange charges in this section are also reflected in the Fee section of the statement. Interchange Cost Total Product/Description Sales Total % Of Sales Number of Transactions % of Total Transactions Rate Cost Per Transaction Sub Total Interchange Charges MASTERCARD MC-WORLDCARD MERIT I $2,479.81 9%2 9%0.0205 $0.100 -$51.04 MC-COMM DR II PETRO BUS (DB)$1,204.48 5%1 5%0.0205 $0.100 -$24.79 MC-REG CONSM WFRAUD ADJ MC(DB)$2,565.99 10%2 9%0.0005 $0.220 -$1.72 MC-REGULATED FRD ADJ COMM (DB)$1,348.98 5%1 5%0.0005 $0.220 -$0.89 MC-BUS LVL 4 DR II PETRO $2,224.29 8%2 9%0.0220 $0.100 -$49.13 MC-HIGH VAL MERIT I $4,770.07 18%4 18%0.0250 $0.100 -$119.65 MC-WORLD ELITE MERIT I $11,609.35 44%10 45%0.0250 $0.100 -$291.23 MASTERCARD TOTAL $26,202.97 22 -$538.45 YOUR CARD PROCESSING STATEMENT Merchant Number 276213112887 Customer Service Website - www.businesstrack.com Phone - 1-800-432-7628 Page 5 of 5 Statement Period 09/01/21 - 09/30/21 ©2020 SunTrust Merchant Services, LLC. SunTrust®, the SunTrust logo, and SunTrust Merchant Services® are trademarks of Truist Financial Corporation. All rights reserved. Merchant Services are provided by SunTrust Merchant Services, LLC, an alliance between FDS Holdings, Inc. and Truist. INTERCHANGE These are the variable fees charged by Card Organizations for processing transactions. The interchange charges in this section are also reflected in the Fee section of the statement. Interchange Cost Total Product/Description Sales Total % Of Sales Number of Transactions % of Total Transactions Rate Cost Per Transaction Sub Total Interchange Charges VISA VI-US REGULATED COMM (DB)$8,173.61 19%7 19%0.0005 $0.220 -$5.63 VI-REG CONSUMER MQ (DB)$5,010.23 12%4 11%0.0005 $0.220 -$3.39 VI-US BUS TR1 PRD 1 $1,206.62 3%1 3%0.0265 $0.100 -$32.08 VI-CNP P1 SIGN PREF INF SQ $9,109.37 21%8 22%0.0240 $0.100 -$219.42 VI-CNP P1 SIGN INF SNQ $4,847.89 11%4 11%0.0195 $0.100 -$94.93 VI-CNP P1 REWARDS $1,159.24 3%1 3%0.0195 $0.100 -$22.71 VI-US BUS TR4 PRD 1 $1,195.88 3%1 3%0.0295 $0.100 -$35.38 VI-CPS CNP (DB)$5,538.04 13%4 11%0.0165 $0.150 -$91.98 VI-US BUS TR2 PRD 1 $2,461.86 6%2 6%0.0280 $0.100 -$69.13 VI-CNP P1 TRADITIONAL $2,401.22 6%2 6%0.0180 $0.100 -$43.42 VI-INTREG BUS/CORP/PURCH (US)$2,334.01 5%2 6%0.0200 0.000 -$46.68 VISA TOTAL $43,437.97 36 -$664.75 DISCOVER DSCVR PSLCARDNOTPRESENT(RW)$2,499.50 100%2 100%0.0200 $0.100 -$50.19 DISCOVER TOTAL $2,499.50 2 -$50.19 TOTAL $72,140.44 60 -$1,253.39 Summary of Fall 2021 Card Brand & Debit Network Organization Change CED0775I The following changes are effective October 15, 2021, unless otherwise indicated Please refer to the "Resources" section of www.businesstrack.com for additional Card Brand and Debit Network Organization information. Visa® OPERATIONAL and RATE CHANGES New Visa Repeat Authorization Decline Fee ●Visa will introduce a new behavior fee of $1.00 per transaction. The new fee will be assessed following three attempt declines within the sameVisa Stop Payment Service (VSPS) stop instruction. Retirement of 3-D Secure 1.0.2 ●Effective October 15, 2021, Visa will remove the Visa Attempts Server support and merchants using 3DS 1.0.2 will no longer receive fraud liability protection if an issuer does not participate in 3DS 1.0.2 .Merchants using 3DS1.0.2 should work with their Merchant Plug-In (MPI) vendor to verify if a change is required.Also, please note effective October 15, 2022, Visa will no longer support 3DS 1.0.2 including all related technology. Support Partial Authorization in the Latin America/Caribbean Region ●Visa will require partial authorization to be supported on all POS transactions in the Latin America/Caribbean region. Consumer Bill Payment Service (CBPS) Providers Participation Fee ●Visa will introduce a participation fee of $0.20 per transaction for all registered CBPS providers in the U.S. region. Marketplace Program Fee (Marketplace merchants only) ●Visa will introducea Marketplace Program fee of 0.30%. This fee will be assessed on foreign retailer volume when the retailer is in a different country than the marketplace. Effective April 2022 5Important: 8-Digit BIN Reminder (all card brands) ●The International Organization for Standardization (ISO) is mandating a change from six-digit to eight-digit issuing BINs.The Global BIN File has been updated to support eight-digit BIN.If you utilize BIN information for processing purposes such as Merchant Choice Routing, Merchant Loyalty (special discount programs offered to cardholders who execute "on us" transactions), Dual Branded BIN lists for mag-stripe transactions, PIN bypass eligibility for mag-stripe transactions, we recommend you carefully review the changes to identify any impacts. Updates to existing Visa Commercial Fleet Fee Programs ●Merchants must support the changes for fuel and non-fuel purchase transactions, both in-store and AFD. Also, Visa will add a new Commercial Card EMV Fleet Service addendum containing the Business Format Code FT - Commercial Card EMV Fleet Service. Mastercard® OPERATIONAL and RATE CHANGES Payment Account Reference Enhancement ●Mastercard is expanding the mandated support for Payment Account Reference (PAR) to all issuers, including Mastercard Digital Enablement Service (MDES) Lite and non-MDES issuers. PAR will also be sent in PAN-based transactions of non-tokenized accounts.Merchants should certify to begin receiving the PAR value. Mastercard Pay & Split for Commercial Credit ●Mastercard is introducing a new commercial card product Mastercard Pay & Split with a new product code of MIO - Mastercard Pay & Split. The product codes will be eligible for select existing Interregional, Asia Pacific region Intraregional, and Asia Pacific region Intracountry Interchange Programs. Expanding the Variable Interchange Program in the U.S. Region ●Mastercard is adding 20 new commercial credit product codes to the existing Variable Interchange Program (VIP). The product codes help drive Business-to-Business (B2B) card spend in the U.S. region. Enabling Commercial Debit Product Codes for the Latin America/Caribbean Region, Except Brazil ●Mastercard is enabling the existing product codes BPD - World Debit Business Card and MDT- Commercial Debit Mastercard Card for issuance in the Latin America/Caribbean region, except Brazil. The product codes will be allowed to qualify at existing Interregional, Latin America/Caribbean Intraregional, Latin America/Caribbean Intracountry interchange programs. Reminder to the Pre-Authorization Fee in the Latin America/Caribbean Region ●Effective October 1, 2021,Mastercard will revise the pricing for the existing Acquirer Switch Fee for Pre-Authorizations in the LAC Region . The fee will be 0.05%for Domestic volume and 0.07%for Cross-Border volume. New Small Business Prepaid Product for Asia Pacific Region ●Mastercard will introduce a new commercial prepaid product code SBP -Small Business Prepaid for issuance in the Asia Pacific region and acquired globally. Merchant Advice Code Transaction Processing Excellence Program ●Mastercard is introducing a new Transaction Processing Excellence (TPE) program for Merchant Advice Codes (MACs). The program will identify unfavorable transaction processing behavior resulting in a more seamless network experience for all parties involved. ●Program fees will be assessed when an acquirer submits a Card-Not-Present (CNP) authorization which is ultimately declined due to closed account/fraudulent or cardholder cancelled agreement, where in the past 30 days a transaction on the same card, at the same merchant, and with the same transaction amount was declined .Please refer to the Pass Through Fee Schedule document on www.businesstrack.com . Expansion of MCC 9406 Government-Owned Lottery in Select Regions ●Mastercard will allow MCC 9406 - Government-Owned Lottery, globally to identify government-owned lotteries and licensed lottery sales agents. Enhancements for Mastercard MoneySend and Funding Transactions Program ●Mastercard is enhancing the Mastercard MoneySend and Funding Transactions program in order to continue to meet market needs by adding three new Transaction Type Identifier's (TTI) and restructuring the interchange programs. Merchants should certify to support the new TTI's. Restructuring of Network Assessment, MIP Connectivity and File Transmission Fees ●Mastercard is restructuring the Network Access, MIP and File Transmission fees to be replaced with one single flat fee for authorization and a separate fee for clearing. The flat fee will be $0.00224 per kilobyte in the U.S. region. Revised Standards for Installment Provider ●Mastercard will require new data elements for installment transactions submitted by a registered installment provider who is not the retailer selling the goods or services being purchased by the cardholder. Effective April 2022 Merchant Country of Origin ●Mastercard is introducing a new authorization subfield Merchant Country of Origin .E very transaction conducted by government-controlled merchants must include the new fields in authorization and settlement/clearing regardless of the location where the transaction occurs or where the merchant is physically located. Summary of Fall 2021 Card Brand & Debit Network Organization Change CED0794I The following changes are effective October 15, 2021, unless otherwise indicated Please refer to the "Resources" section of www.businesstrack.com for additional Card Brand and Debit Network Organization information. American Express® OptBlue OPERATIONAL and RATE CHANGES U.S. Region Update to Include Guam ●American Express is revising the OptBlue program to include Guam within the United States (U.S.) Region. Merchant Category Code Enhancements ●American Express will prohibit Merchant Category Code (MCC) 4829 - Wire Transfers and Money Orders. Mobile Device Transaction Enhancements ●American Express is updating authorization requests to include a new Subfield - Terminal Classification Code within the National Use Data Field to identify transactions originating from a mobile device.Merchant processing transactions through a mobile device may choose to support, but not required. New Response Codes ●American Express is adding two new authorization response codes,116 - Not Sufficient Funds and 121 - Limit Exceeded ,to allow issuers to provide merchants with specific detail of why a transaction was declined. Authentication Outage Indicator ●American Express is introducing a new Subfield - Authentication Outage Indicator (Resilience Indicator) to the existing Acceptance Environment Indicator Data Field in the authorization request message. This will indicate an exception to the Strong Customer Authentication (SCA) requirements is being claimed when an eCommerce transaction is unable to reach SafeKey systems. SafeKey Mandates ●American Express will no longer be supporting SafeKey 1.0 as of October 14, 2022. Merchants supporting SafeKey Version 1.0 must ensure they are utilizing SafeKey Version 2.0 by October 13, 2022. New OptBlue MCCs ●American Express will allow MCC 5552 - Electric Vehicle Charging, MCC 6211 - Securities Brokers/Dealers (fee only) and MCC 6540 - Non-Financial Institutions 6 Stored Value Card Purchase/Load to participate in the OptBlue program under the Services & Professional Services industry. STAR Access SM Changes Star Access Enhancements to No Show Indicator ●STAR Access Clearing File Layout will be revised to allow the value of 1 to identify if a transaction is a guaranteed No Show reservation that was not canceled. The change is applicable to the Lodging and Cruise industry. Merchants should certify to support the new value of 1 for Lodging and Cruise transactions. Removal of POS Entry Mode 02 for Interchange Qualification ●STAR Access qualification rules will be updated to remove the obsolete POS Entry Mode of 02 (Magnetic Stripe, Partial) as a valid value for select interchange programs.Merchants should certify to remove the obsolete POS Entry Mode of 02. STAR Access Front of Card Revision ●Star Access restructured their interchange programs and introduce new debit rates based on the issuer identified BINs on the front of the card. Debit Network Changes Pulse Return Authorization Support ●Pulse is requiring merchants to send a Return Authorization request message, confirming the account is open before sending the subsequent Force Post Merchandise Return message . NYCE & Culiance Enhanced Transaction Support for Digital Wallet ●NYCE and Culiance will enhance the support of digit wallet transactions by adding the Quick Response (QR) code payment as a contactless payment method. NYCE & Culiance Card-Not-Present PINless Point of Sale Return ●NYCE and Culiance will allow a PINless POS Return to be conducted when the card is not present. PINless POS Returns can now be processedby providing the Primary Account Number and Expiration Date. NYCE Expansion of Bill Payment ●Effective October 1, 2021, NYCE will introduce a new tier level that will apply to merchants who do not fit into one of the existing three Bill Pay tiers.The new rates will be 1.50% + $0.14 for Premier and 1.30% + $0.11 for standard. Dispute Changes Revisions to the Visa Acquirer Monitoring Program (VAMP) ●Effective October 1, 2021, The VAMP program's fraud-to-sales amount ratio and disputes-to-sales count ratio thresholds will be modified. o Dispute Monitoring: 750 dispute count and 1% ratio of disputes-to-sales transaction count o Fraud Activity Monitoring: USD 500,000 fraud dollar amount and 1% ratio of fraud-to-sales dollar amount Mastercard Revised Chargeback Standards for Automated Fuel Dispensers in the U.S. Region ●When a $1.00 authorization is obtained at an Automated Fuel Dispenser (AFD) in the United States region, Mastercard will increase the chargeback protection amount for reason code 4808 (Authorization-Related Chargeback)at AFDs to $350.00 for Mastercard commercial cards programs (such as Mastercard Corporate Card, Mastercard Corporate Executive Card, Mastercard Corporate Fleet Card, or Mastercard Corporate Purchasing Cards) and to $125 for any other Mastercard card. American Express Miscellaneous Dispute Change ●American Express is changing reason code F24 to reflect "No Valid Authorization". ●American Express is reintroducing reason code F14 to reflect "Multiple ROCs" (Record of Change). Reason code F14 will be used to remedy processing when a cardholder claims they participated in one valid transaction with a Program Merchant's Establishment, however, the cardholder denies participation in the additional and subsequent transactions that were submitted by that Program Merchant . Accel EMV Chip Liability Shift Date Change ●Accel has postponed the EMV Liability Shift effective date for Automated Fuel Dispenser (MCC 5542)Canadian Cards transactions at U.S. terminals from October 1, 2021 to October 1, 2023.