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Inv# PCitaSept2021 - FIRST DATA - 09/30/2021
YOUR CARD PROCESSING STATEMENT Did you know? If you are interested in some marketing promotions, please contact your Customer Service Center. CITY OF DANIA BEACH NICKI SATTERFIELD 100 W DANIA BEACH BLVD DANIA BEACH FL 33004 -3699 CITY OF DANIA BEACH PO Box 2394, Omaha, NE 68103-2394 STATEMENT PERIOD: 09/01/21 - 09/30/21 THIS IS NOT A BILL Merchant Number: 984222377884 This month you had: 630 New customers 19 Repeat customers Reviews are critical to your businesses! A study found that 74% of customers searching online for a local business use review sites. As your business begins to receive reviews on sites like Yelp and Google, we will include some here for your reference. September 2021 insights $47 Avg ticket size $48 Avg. $ spend per card transaction 1.0 Avg. number of transactions per customer Your sales were $31,975.00 this month which is 5.17% over last month. What your customers are saying: Google Avg. Rating: N/A Yelp Avg. Rating: N/A Customer Service www.businesstrack.com 1-833-692-5687 Inquiry PO Box 2394, Omaha, NE 68103-2394 © Google and Yelp are registered trademarks of their respective owners. Page 1 of 5 Make sure to plan accordingly! Biz to Biz Fall Business Expo from Oct 13 -14 Havasi at the 1 Seminole Way is on Oct 24 Little Big Town with Alex Hall Band at the 1 Seminole Way is on Oct 24 Account Summary An overview of your account activity for the statement period. Total Amount Submitted $31,975.00 Chargebacks/Reversals 0.00 Adjustments 0.00 Fees -$1,234.34 Total Amount Processed $30,740.66 Page 2 Page 3 Page 4 Page 4 PO Box 2394, Omaha, NE 68103-2394 YOUR CARD PROCESSING STATEMENT Merchant Number 984222377884 Customer Service Website - www.businesstrack.com Phone - 1-833-692-5687 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. * "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 09/01/21 $989.00 0.00 0.00 0.00 $989.00 09/02/21 $1,029.00 0.00 0.00 0.00 $1,029.00 09/03/21 $897.00 0.00 0.00 0.00 $897.00 09/04/21 $1,278.00 0.00 0.00 0.00 $1,278.00 09/05/21 $989.00 0.00 0.00 0.00 $989.00 09/06/21 $1,023.00 0.00 0.00 0.00 $1,023.00 09/07/21 $1,075.00 0.00 0.00 0.00 $1,075.00 09/08/21 $1,029.00 0.00 0.00 0.00 $1,029.00 09/09/21 $1,192.00 0.00 0.00 0.00 $1,192.00 09/10/21 $1,241.00 0.00 0.00 0.00 $1,241.00 09/11/21 $854.00 0.00 0.00 0.00 $854.00 09/12/21 $1,029.00 0.00 0.00 0.00 $1,029.00 09/13/21 $940.00 0.00 0.00 0.00 $940.00 09/14/21 $1,631.00 0.00 0.00 0.00 $1,631.00 09/15/21 $1,112.00 0.00 0.00 0.00 $1,112.00 09/16/21 $1,161.00 0.00 0.00 0.00 $1,161.00 09/17/21 $682.00 0.00 0.00 0.00 $682.00 09/18/21 $1,158.00 0.00 0.00 0.00 $1,158.00 09/19/21 $900.00 0.00 0.00 0.00 $900.00 09/20/21 $1,272.00 0.00 0.00 0.00 $1,272.00 09/21/21 $1,874.00 0.00 0.00 0.00 $1,874.00 09/22/21 $258.00 0.00 0.00 0.00 $258.00 09/23/21 $900.00 0.00 0.00 0.00 $900.00 09/24/21 $771.00 0.00 0.00 0.00 $771.00 09/25/21 $1,109.00 0.00 0.00 0.00 $1,109.00 09/26/21 $860.00 0.00 0.00 0.00 $860.00 09/27/21 $857.00 0.00 0.00 0.00 $857.00 09/28/21 $1,576.00 0.00 0.00 0.00 $1,576.00 09/29/21 $1,530.00 0.00 0.00 0.00 $1,530.00 09/30/21 $759.00 0.00 0.00 0.00 $759.00 Month End Charge 0.00 0.00 0.00 -$1,234.34 -$1,234.34 Total $31,975.00 0.00 0.00 -$1,234.34 $30,740.66 YOUR CARD PROCESSING STATEMENT Merchant Number 984222377884 Customer Service Website - www.businesstrack.com Phone - 1-833-692-5687 Page 3 of 5 Statement Period 09/01/21 - 09/30/21 PO Box 2394, Omaha, NE 68103-2394 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 $47.57 196 $9,323.00 0 0.00 196 $9,323.00 VISA $47.81 455 $21,755.00 0 0.00 455 $21,755.00 Discover $47.21 19 $897.00 0 0.00 19 $897.00 Total 670 $31,975.00 0 0.00 670 $31,975.00 SUMMARY BY BATCH Total Gross Sales You Submitted Refunds Total Amount You Submitted Batch Submit Date Average Ticket Items Amount Items Amount Items Amount 174045011669 09/01/21 $43.00 23 $989.00 0 0.00 23 $989.00 174045021670 09/02/21 $44.74 23 $1,029.00 0 0.00 23 $1,029.00 174045031671 09/03/21 $47.21 19 $897.00 0 0.00 19 $897.00 174045041672 09/04/21 $49.15 26 $1,278.00 0 0.00 26 $1,278.00 174045051673 09/05/21 $44.95 22 $989.00 0 0.00 22 $989.00 174045061674 09/06/21 $48.71 21 $1,023.00 0 0.00 21 $1,023.00 174045071675 09/07/21 $43.00 25 $1,075.00 0 0.00 25 $1,075.00 174045081676 09/08/21 $44.74 23 $1,029.00 0 0.00 23 $1,029.00 174045091677 09/09/21 $49.67 24 $1,192.00 0 0.00 24 $1,192.00 174045101678 09/10/21 $45.96 27 $1,241.00 0 0.00 27 $1,241.00 174045111679 09/11/21 $47.44 18 $854.00 0 0.00 18 $854.00 174045121680 09/12/21 $44.74 23 $1,029.00 0 0.00 23 $1,029.00 174045131681 09/13/21 $47.00 20 $940.00 0 0.00 20 $940.00 174045141682 09/14/21 $44.08 37 $1,631.00 0 0.00 37 $1,631.00 174045151683 09/15/21 $48.35 23 $1,112.00 0 0.00 23 $1,112.00 174045161684 09/16/21 $43.00 27 $1,161.00 0 0.00 27 $1,161.00 174045171685 09/17/21 $48.71 14 $682.00 0 0.00 14 $682.00 174045181686 09/18/21 $44.54 26 $1,158.00 0 0.00 26 $1,158.00 174045191687 09/19/21 $45.00 20 $900.00 0 0.00 20 $900.00 174045201688 09/20/21 $55.30 23 $1,272.00 0 0.00 23 $1,272.00 174045211689 09/21/21 $55.12 34 $1,874.00 0 0.00 34 $1,874.00 174045221690 09/22/21 $43.00 6 $258.00 0 0.00 6 $258.00 174045231691 09/23/21 $45.00 20 $900.00 0 0.00 20 $900.00 174045241692 09/24/21 $45.35 17 $771.00 0 0.00 17 $771.00 174045251693 09/25/21 $58.37 19 $1,109.00 0 0.00 19 $1,109.00 174045261694 09/26/21 $43.00 20 $860.00 0 0.00 20 $860.00 174045271695 09/27/21 $45.11 19 $857.00 0 0.00 19 $857.00 174045281696 09/28/21 $49.25 32 $1,576.00 0 0.00 32 $1,576.00 174045291697 09/29/21 $52.76 29 $1,530.00 0 0.00 29 $1,530.00 174045301698 09/30/21 $75.90 10 $759.00 0 0.00 10 $759.00 Total 670 $31,975.00 0 0.00 670 $31,975.00 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 PO Box 2394, Omaha, NE 68103-2394 YOUR CARD PROCESSING STATEMENT Merchant Number 984222377884 Customer Service Website - www.businesstrack.com Phone - 1-833-692-5687 Page 4 of 5 Statement Period 09/01/21 - 09/30/21 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 MASTERCARD ACCESS FEE 206 TRANSACTIONS AT .034 Interchange charges -$7.00 MC LICENSE VOLUME FEE .000217 DISC RATE TIMES $9323 Service charges -$2.02 MC DEBIT NON-QUAL SALES DISC .033 DISC RATE TIMES $86 Service charges -$2.84 MASTERCARD NON-QUAL SALES DISC .033 DISC RATE TIMES $4445 Service charges -$146.69 MC NON-QUAL SALES TRANS FEE 92 TRANSACTIONS AT .11 Service charges -$10.12 MASTERCARD DEBIT SALES DISC .023 DISC RATE TIMES $4577 Service charges -$105.27 MASTERCARD SALES TRANS FEE 5 TRANSACTIONS AT .11 Service charges -$0.55 MC SALES DEBIT TRANS FEE 98 TRANSACTIONS AT .11 Service charges -$10.78 MC DEBIT NON-QUAL TRANS FEE 1 TRANSACTIONS AT .11 Service charges -$0.11 MASTERCARD SALES DISCOUNT .023 DISC RATE TIMES $215 Service charges -$4.95 VISA VISA ACCESS FEE 466 TRANSACTIONS AT .034 Interchange charges -$15.84 VISA SALES TRANS FEE 3 TRANSACTIONS AT .11 Service charges -$0.33 VI DEBIT NON-QUAL TRANS FEE 296 TRANSACTIONS AT .11 Service charges -$32.56 VISA NON-QUAL SALES DISCOUNT .033 DISC RATE TIMES $7618 Service charges -$251.39 VISA SALES DISCOUNT .023 DISC RATE TIMES $129 Service charges -$2.97 VISA NON-QUAL SALES TRANS FEE 156 TRANSACTIONS AT .11 Service charges -$17.16 VI DEBIT NON-QUAL SALES DISC .033 DISC RATE TIMES $14008 Service charges -$462.26 DISCOVER DISCOVER ACCESS FEE 19 TRANSACTIONS AT .034 Interchange charges -$0.65 DISCOVER NONQUAL SALE TRANS 19 TRANSACTIONS AT .11 Service charges -$2.09 DISCOVER NONQUAL SALES DISC .033 DISC RATE TIMES $897 Service charges -$29.60 Other CLOVER SECURITY PLUS MONTHLY Service charges -$19.95 VI BASE II SYSTEM FILE FEE 457 TRANSACTIONS AT .0018 Service charges -$0.82 BATCH SETTLEMENT FEE 30 TRANSACTIONS AT .39 Fees -$11.70 TOTAL TRANSACTION FEES -$1,137.65 ACCOUNT FEES Type Amount MC GLOBAL ACQUIRER FEE 5 TRANS TOTALING $215.00 Fees -$1.83 VS INTL ACQUIRER FEE 10 TRANS TOTALING $430.00 Fees -$1.94 DS PGRM INTEGRITY FEE BASE SUB 14 TRANSACTIONS AT .050000 Fees -$0.70 DS PGRM INTEGRITY COM BASE SUB 5 TRANSACTIONS AT .050000 Fees -$0.25 VISA NETWORK FEE CNP 2-07 Fees -$11.10 NON RECEIPT OF PCI VALIDATION 1 TRANSACTIONS AT 29.95 Fees -$29.95 VISA INTL SERVICE FEE - BASE 0 TRANS TOTALING $430 Fees -$4.30 US CROSS BORDER FEE 0 TRANS TOTALING $215 Fees -$1.29 VI TRANSACTION INTEGRITY FEE 444 TRANSACTIONS AT .1 Fees -$44.40 DIGITAL ENABLEMENT FEE .0001 X TRNS $9323 Fees -$0.93 TOTAL ACCOUNT FEES -$96.69 TOTAL -$1,234.34 Total Interchange Charges -$23.49 Total Service Charges -$1,102.46 YOUR CARD PROCESSING STATEMENT Merchant Number 984222377884 Customer Service Website - www.businesstrack.com Phone - 1-833-692-5687 Page 5 of 5 Statement Period 09/01/21 - 09/30/21 PO Box 2394, Omaha, NE 68103-2394 FEES Amount charged to authorize, process and settle card transactions, along with transaction-based and/or fixed amounts charged for specific card processing services. Total Fees -$108.39 Total (Service Charges, Interchange Charges, and Fees)-$1,234.34 TOTAL GROSS REPORTABLE SALES BY TIN Total dollar amount of aggregate reportable payment card transactions funded and third party network transactions, for each participating payee, without regard to any adjustments for credits, cash equivalents, discount amount, fees, refunded amounts, or any other amounts per respective tax identification number. Month Description Total AUGUST GROSS REPORTABLE SALES-TIN##########0302 $30,402.00 2021 YTD Gross Reportable Sales $193,587.00 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.