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Inv# MarinaMar2022 - FIRST DATA - 03/31/2022
SpendTrend®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 03/01/22 - 03/31/22 Merchant Number 276213112887 Locations Included 1 Customer Service Website - www.businesstrack.com Phone - 1-800-432-7628 Year-over-year Growth MAR '21 vs MAR '22 Thirteen Month - Total Sales Mar-21Apr-21May-21Jun-21Jul-21Aug-21Sep-21Oct-21Nov-21Dec-21Jan-22Feb-22Mar-22$50,000 $56,500 $63,000 $69,500 $76,000 $82,500 $89,000 $95,500 -11% -4% 2% 9% 16% 23% 30% 37% 44% 51% 58% 35.7 -6.6 45.4 1.0 -7.4 9.1 Dollar Volume Growth Transaction Growth Average Ticket Growth Your Business Similar Businesses Across the Country VISA DISCOVER AMEX ACQ MASTERCARD $63,418.88 $1,248.67 $4,152.90 $21,552.48 PO Box 2394, Omaha, NE 68103-2394 SUMMARY An overview of account activity for the statement period. Total Amount Submitted $90,372.93 Chargebacks/Reversals 0.00 Adjustments 0.00 Fees -$2,928.02 Total Amount Processed $87,444.91 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 03/01/22 - 03/31/22 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 Spring 2022 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 April 2022. * "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 Spring 2022 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 03/02/22 $2,000.00 0.00 0.00 0.00 $2,000.00 03/03/22 $1,262.32 0.00 0.00 0.00 $1,262.32 03/07/22 $15,694.76 0.00 0.00 0.00 $15,694.76 03/08/22 $5,519.43 0.00 0.00 0.00 $5,519.43 03/15/22 $63,896.42 0.00 0.00 0.00 $63,896.42 03/18/22 $2,000.00 0.00 0.00 0.00 $2,000.00 Month End Charge 0.00 0.00 0.00 -$2,928.02 -$2,928.02 Total $90,372.93 0.00 0.00 -$2,928.02 $87,444.91 SUMMARY BY CARD TYPE Total Gross Sales You Submitted Refunds Total Amount You Submitted Card Type Average Ticket Items Amount Items Amount Items Amount VISA $1,714.02 37 $63,418.88 0 0.00 37 $63,418.88 Discover $1,248.67 1 $1,248.67 0 0.00 1 $1,248.67 AMEX ACQ $4,152.90 1 $4,152.90 0 0.00 1 $4,152.90 Mastercard $1,267.79 17 $21,552.48 0 0.00 17 $21,552.48 Total 56 $90,372.93 0 0.00 56 $90,372.93 SUMMARY BY LOCATION Merchant Number Submitted Amount Chargebacks/ Reversals Adjustments Fees Amount Processed 276213112887 $90,372.93 0.00 0.00 -$2,928.02 $87,444.91 Total $90,372.93 0.00 0.00 -$2,928.02 $87,444.91 YOUR CARD PROCESSING STATEMENT Merchant Number 276213112887 Customer Service Website - www.businesstrack.com Phone - 1-800-432-7628 Page 3 of 5 Statement Period 03/01/22 - 03/31/22 ©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. CHARGEBACKS/REVERSALS Transactions that are challenged or disputed by a cardholder or card-issuing bank. Merchant Number 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. Merchant Number 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-WORLD ELITE MERIT I Interchange charges -$218.83 MC-COMM DR II PETRO BUS (DB)Interchange charges -$25.81 MASTERCARD ACCESS FEE 20 TRANSACTIONS AT 0.034 Interchange charges -$0.68 MC-DOMESTIC MERIT I Interchange charges -$26.39 MASTERCARD ASSESSMENT FEE 0.0013 TIMES $21552.48 Interchange charges -$28.02 MC-HIGH VAL MERIT I Interchange charges -$129.33 MC ASSESSMNT TRAN AMT >=$1K 0 X TRNS $20298.58 Interchange charges -$2.03 MC-BUS LVL 4 DR II PETRO Interchange charges -$82.79 MC-WORLDCARD MERIT I Interchange charges -$26.25 MASTERCARD SALES DISCOUNT 0.0075 DISC RATE TIMES $20298.58 Service charges -$152.24 MASTERCARD DEBIT SALES DISC 0.0075 DISC RATE TIMES $1253.90 Service charges -$9.40 MC LICENSE VOLUME FEE 0.000217 DISC RATE TIMES $21552.48 Service charges -$4.68 MC CVC2 TRANSACTION FEE 20 TRANSACTIONS AT 0.0025 Fees -$0.05 MASTERCARD AUTH FEE 20 TRANSACTIONS AT 0.1 Fees -$2.00 M/C INTERNET AUTH FEE 20 TRANSACTIONS AT 0.05 Fees -$1.00 VISA VI-CNP P1 REWARDS Interchange charges -$25.39 VI-US BUS TR1 PRD 1 Interchange charges -$33.44 VI-REG CONSUMER MQ (DB)Interchange charges -$4.94 VI-CPS CNP (DB)Interchange charges -$42.65 VI-CNP P1 SIGN PREF INF SQ Interchange charges -$415.36 VI-CNP P1 TRADITIONAL Interchange charges -$23.67 VI-US BUS TR3 PRD 1 Interchange charges -$35.70 VISA ASSESSMENT FEE CR 0.0014 TIMES $46932.97 Interchange charges -$65.71 VI-US BUS TR4 PRD 1 Interchange charges -$75.22 VI-US BUS TR2 PRD 1 Interchange charges -$35.40 VISA ACCESS FEE 39 TRANSACTIONS AT 0.034 Interchange charges -$1.33 VI-CNP P1 SIGN INF SNQ Interchange charges -$100.22 VI-INTREG BUS/CORP/PURCH (US)Interchange charges -$312.71 VI-US REGULATED COMM (DB)Interchange charges -$4.22 VISA ASSESSMENT FEE DB 0.0013 TIMES $16485.91 Interchange charges -$21.43 VISA DEBIT SALES DISCOUNT 0.0075 DISC RATE TIMES $16485.91 Service charges -$123.64 VISA SALES DISCOUNT 0.0075 DISC RATE TIMES $46932.97 Service charges -$352.00 VISA AUTH FEE 39 TRANSACTIONS AT 0.1 Fees -$3.90 VISA INTERNET AUTH FEE 39 TRANSACTIONS AT 0.05 Fees -$1.95 DISCOVER DISCOVER ASSESSMENT FEE 0.0013 TIMES $1248.67 Interchange charges -$1.62 ©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 03/01/22 - 03/31/22 FEES Amount charged to authorize, process and settle card transactions, along with transaction-based and/or fixed amounts charged for specific card processing services. DISCOVER ACCESS FEE 1 TRANSACTIONS AT 0.034 Interchange charges -$0.03 DSCVR PSLCARDNOTPRESENT(RW)Interchange charges -$25.07 DISCOVER SALES DISCOUNT 0.0075 DISC RATE TIMES $1248.67 Service charges -$9.37 DISCOVER AUTH FEE 1 TRANSACTIONS AT 0.1 Fees -$0.10 DISCOVER INTERNET AUTH FEE 1 TRANSACTIONS AT 0.05 Fees -$0.05 AMERICAN EXPRESS AMEX INTERNET AUTH FEE 1 TRANSACTIONS AT 0.05 Fees -$0.05 AMEX ACQ AXP SVCS NONSWIPE T3 Interchange charges -$112.23 AMEX ASSESSMENT FEE 0.0016 TIMES $4152.90 Interchange charges -$6.64 Other MONTHLY ADVANTAGE FEE MCVDB 0.0003 TIMES $84971.36 Service charges -$25.49 AMEX SALES DISCOUNT 0.0055 DISC RATE TIMES $4152.90 Service charges -$22.84 TRANSARMOR TOKEN ONLY 61 TRANSACTIONS AT 0.02 Fees -$1.22 BATCH SETTLEMENT FEE 6 TRANSACTIONS AT 0.39 Fees -$2.34 INTERNET AVS AUTH FEE 60 TRANSACTIONS AT 0.05 Fees -$3.00 TOTAL TRANSACTION FEES -$2,598.43 ACCOUNT FEES Type Amount VS INTL ACQUIRER FEE 1 TRANS TOTALING $13,084.02 Fees -$58.88 VS INTL ACQUIRER FEE 2 TRANS TOTALING $2,551.62 Fees -$11.48 TRANSARMOR MONTHLY FEE Fees -$19.95 VISA NETWORK FEE CNP 2-06 Fees -$40.86 PAYEEZY MONTHLY FEE Fees -$19.95 NON RECEIPT OF PCI VALIDATION 1 TRANSACTIONS AT 19.95 Fees -$19.95 DIGITAL ENABLEMENT FEE 0 X TRNS $21552.48 Fees -$2.16 VISA INTL SERVICE FEE - BASE 0 TRANS TOTALING $15635.64 Fees -$156.36 TOTAL ACCOUNT FEES -$329.59 TOTAL -$2,928.02 Total Interchange Charges -$1,883.11 Total Service Charges -$699.66 Total Fees -$345.25 Total (Service Charges, Interchange Charges, and Fees)-$2,928.02 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 $1,275.45 6%1 6%0.0205 $0.100 -$26.25 MC-COMM DR II PETRO BUS (DB)$1,253.90 6%1 6%0.0205 $0.100 -$25.81 MC-DOMESTIC MERIT I $1,391.00 6%1 6%0.0189 $0.100 -$26.39 MC-BUS LVL 4 DR II PETRO $3,749.77 17%3 18%0.0220 $0.100 -$82.79 MC-HIGH VAL MERIT I $5,157.27 24%4 24%0.0250 $0.100 -$129.33 MC-WORLD ELITE MERIT I $8,725.09 40%7 41%0.0250 $0.100 -$218.83 MASTERCARD TOTAL $21,552.48 17 -$509.40 VISA VI-INTREG BUS/CORP/PURCH (US)$15,635.64 25%3 8%0.0200 0.000 -$312.71 VI-US REGULATED COMM (DB)$6,238.01 10%5 14%0.0005 $0.220 -$4.22 VI-CNP P1 REWARDS $1,296.67 2%1 3%0.0195 $0.100 -$25.39 YOUR CARD PROCESSING STATEMENT Merchant Number 276213112887 Customer Service Website - www.businesstrack.com Phone - 1-800-432-7628 Page 5 of 5 Statement Period 03/01/22 - 03/31/22 ©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 VI-CPS CNP (DB)$2,566.53 4%2 5%0.0165 $0.150 -$42.65 VI-REG CONSUMER MQ (DB)$7,681.37 12%5 14%0.0005 $0.220 -$4.94 VI-CNP P1 TRADITIONAL $1,309.69 2%1 3%0.0180 $0.100 -$23.67 VI-US BUS TR2 PRD 1 $1,260.70 2%1 3%0.0280 $0.100 -$35.40 VI-US BUS TR1 PRD 1 $1,257.94 2%1 3%0.0265 $0.100 -$33.44 VI-CNP P1 SIGN INF SNQ $5,119.09 8%4 11%0.0195 $0.100 -$100.22 VI-US BUS TR4 PRD 1 $2,543.16 4%2 5%0.0295 $0.100 -$75.22 VI-CNP P1 SIGN PREF INF SQ $17,260.91 27%11 30%0.0240 $0.100 -$415.36 VI-US BUS TR3 PRD 1 $1,249.17 2%1 3%0.0285 $0.100 -$35.70 VISA TOTAL $63,418.88 37 -$1,108.92 DISCOVER DSCVR PSLCARDNOTPRESENT(RW)$1,248.67 100%1 100%0.0200 $0.100 -$25.07 DISCOVER TOTAL $1,248.67 1 -$25.07 AMEX ACQ AXP SVCS NONSWIPE T3 $4,152.90 100%1 100%0.0270 $0.100 -$112.23 AMEX ACQ TOTAL $4,152.90 1 -$112.23 TOTAL $90,372.93 56 -$1,755.62 Summary of Spring 2022 Card Brand & Debit Network Organization Change CED0981I The following changes are effective April 22, 2022, unless otherwise indicated. Please refer to the "Resources" section of www.businesstrack.com for additional Card Brand and Debit Network Organization information. Discover® OPERATIONAL and RATE CHANGES Revisions to select U.S. Consumer and Commercial Acquirer Interchange Program Rates●Discover will revise select U.S. Consumer and Commercial Acquirer Interchange Programs pertaining to U.S. Consumer Debit and Prepaid Products and Non-Exempt, U.S. Consumer Credit Products, and U.S. Acquirer Interchange Rates and Fees - Commercial. Revisions to Recurring Payment Merchant Category Code (MCC)●Discover will enable MCC 4814 (Telecommunications) & 4899 (Cable Services) to qualify for the Recurring Interchange Program, as well as removing MCC 8398 (Charity). New Discover Acquirer Interchange Programs ●Discover will introduce a new Charity Consumer Acquirer Interchange Program for MCC 8398 (Charity).●Discover will introduce a new Commercial B2B Acquirer Program and Adjustment Voucher Program for commercial card sales for business-to-business merchants. Revisions for MCC 5552 - Electric Vehicle Charging●Discover will allow MCC 5552 to qualify for Micro Ticket ($5.00 and under) and Express Services ($5.01 to $15.00). Revisions for Transaction Tolerance Level●Discover will revise the Transaction Tolerance Level for Supermarkets and Warehouse Clubs from +/-10% to +/-15% (from authorization to settlement amount). Revisions to Chip Card Supplement Data Record (SDR)●Discover will require the SDR 13 (chip card addendum) for contact and contactless chip transactions to U.S. Consumer and Commercial Acquirer Interchange Programs. New & Revised Acquirer Fees●Discover will revise the Acquirer Assessment Fee from 0.13% to the new value of 0.14%.●Discover will introduce three new Acquirer Service Fees: Account Verification Service Fee: $0.02 per Account Verification Service request, Address Verification Service Fee: $0.005 per Address Verification request, and Digital Investment Fee: 0.01% of the gross amount of card Sale on all transactions that are not swipe, chip, or tap. Additional Requirements for Merchant-Initiated Transactions (MIT) and Installment Payment Transactions●Discover is revising requirements for Merchant-Initiated and Installment Payment Transactions to include additional data records. Additional Requirements for Authorization for Credit●Discover will require the "Network Reference ID" from original card sale in the existing "Original Network Reference ID" within the return authorization request. Revised In-App Transaction Data to Align with Wallet Specifications●Discover will require two new values for in-app transactions, Original Unpredictable Number & CDCVM (Consumer Device Cardholder Verification Method) Type. American Express® OptBlue OPERATIONAL and RATE CHANGES Expansion of the U.S. Region ●American Express will revise the OptBlue program to include American Samoa, Commonwealth of the Northern Mariana Islands, and the U.S. Minor Outlying Islands. Revisions for the Services & Professional Services Industry Program●American Express will revise Tier 1 and Tier 2 pricing for the Services & Professional Services industry. Enhancements for OptBlue Merchant Category Code●American Express will remove MCC 4814 - Telecommunication Services from the OptBlue prohibited list. It will now be eligible for OptBlue under 'Other' Industry. New & Revised Acquirer Fees●American Express will revise the Assessment Fee from 0.16% to the new value of 0.165%.●American Express will introduce a new Acquirer Transaction Fee of $0.02 that will apply to non-debit charges, credit (consumer and commercial) and prepaid transactions. Debit Network Changes INTERLINK●Effective April 1, 2022, Interlink introduced new rules and fees to assist in properly using and managing declined response codes, eliminate excessive reattempts and maintain data consistency in authorization fields. ●Interlink will implement a new acquirer fee program that will be available to U.S. domestic non-regulated debit and prepaid transactions from eligible merchants that are processed by registered acquirers. ●Payment Facilitator ID and Sub-Merchant ID tags in the Transaction Specific Data field will be required to be sent when a Payment Facilitator is involved in an OCT. MAESTRO ●Maestro will require a new gaming participation flag to support winnings to be transferred to a Mastercard, Debit Mastercard, or Maestro card account and enables winnings to be transferred within 30 minutes. PULSE ●PULSE is expanding the support for Quasi-Cash transactions to now include PINless and Card-Not-Present Quasi-Cash transaction.●Effective April 1, 2022, PULSE will revise the PINless Point-of-Sale (POS) interchange rates for the PULSE PAY Limited and PULSE Prepaid segments. STAR ●Effective April 23, 2022, STAR Network will increase the transaction limits for Funds Transfer Credits from $5,000 to $10,000 per transaction as well as the maximum limit per card, per month will increase from $10,000 to $20,000. ACCEL●April 1, 2022, Accel will increase the transaction limits in support of Money Transfer Credit (MTC) transactions from $2,500 to $10 ,000 per transaction as well as the maximum limit per card, per month will increase to $20,000. AFFN ●Effective April 1, 2022, AFFN will require the Point-of-Service Entry Mode to include the International Organization for Standardization (ISO) code '10''in positions 1-2 with a description of stored credentials (Card-on-File). NYCE ●Effective April 15, 2022, NYCE will require the approved partially authorized amount in the Transaction Amount field for a partial Pre-Authorization of a POS transaction response message. In addition, the original requested amount and the Amount Type Indicator 91 will be required in the Additional Amounts field. ●Effective April 15, 2022, NYCE will revise support of Incremental Pre-Authorizations to include the new Amount Type value of 43 - Total Cumulative Amount, in the Additional Amounts field/data element to indicate the Total Cumulative Amount of all Pre-Authorizations associated with the same transaction event. NYCE/Culiance/AFFN ●Effective April 15, 2022, POS transactions that support QR Code value 03 - Bar Code/QR Code should be used instead of value 10 in PAN Entry Mode and Card Input Capability data fields. Dispute Changes (refer to your Disputes Best Practices Guide for updates, available in Dispute Manager) Visa E-Comm Transactions Authenticated with Device-Based Secure Element Token Fraud Dispute Protection (effective April 23, 2022)●Visa is providing fraud dispute protection for reason code 10.4 "Other Fraud - Card-Absent Environment" when a cardholder-initiated e-commerce transaction contains a Token Authentication Verification Value that was fully validated. Authorization must contain an ECI value of a “5 / 05” with a Token Authentication Value of a "2". Mastercard/Maestro Revised Chargeback Standards ●Mastercard/Maestro is revising the chargeback standards for the following reason codes: Reason Code 4853/4855 - Goods or Service Not Provided; 4853 - Not as Described; 4853/4860 - Credit Not Processed.●Mastercard / Maestro is reducing the maximum time frame for chargeback Reason Code 4853/4855 - "Goods or Services Not Provided" to 120 calendar days from the first presentment for disputes regarding merchant-branded prepaid gift card without an expiration date when the merchant has gone out of business.●Mastercard is clarifying the Cardholder Dispute chargeback standards when monetary value or digital assets are purchased and subsequently not deposited or otherwise made inaccessible for use, in violation of the terms and conditions of the contract between the merchant and cardholder. Summary of Spring 2022 Card Brand & Debit Network Organization Changes CED0982I The following changes are effective April 22, 2022, unless otherwise indicated Please refer to the "Resources" section of www.businesstrack.com for additional Card Brand and Debit Network Organization information. Important: 8-Digit BIN Reminder for ALL Card Brands. As previously communicated, the Global BIN File has been updated to support the mandated eight-digit BIN changes. Please carefully review any changes that need to be made prior to April 22, 2022, if BIN information is used for processing (including but not limited to 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). Visa® OPERATIONAL and RATE CHANGES New System Integrity Fees (effective April 1, 2022) ●Visa introduced new fees to assist in properly using and managing declined response codes, eliminate excessive reattempts and maintain data consistency in authorization fields. Please refer to your Pass-Through Fee Schedule for effective dates and rates. Revised Rates for Existing Visa Consumer Credit Fee Programs ●Visa introduced a new card not present (Product 1) interchange program to CPS qualified Visa Consumer credit purchase transactions which will apply to transactions that are ineligible for one of the new industry-based interchange fee programs. ●The Non-Qualified fee will be revised from 2.70% + $0.10 (maximum $1.10 for MCC 5441 and 5542) to 3.15% + $0.10 (maximum $1.10 for MCC 5441 and 5542). ●Visa is also introducing a new fee program for transactions originating from Consumer Bill Payment Service (CBPS) providers. Revisions to the Visa Utility Fee Program ●Visa will introduce new debit and prepaid recurring interchange rates for the existing U.S.Utility interchange fee program to differentiate the rates for recurring bill payment utility transactions from non-regulated Visa Consumer and Visa Business debit and prepaid products. New Interchange Fee Programs for U.S. Manual Cash Disbursement Transactions ●Visa will introduce five new manual cash disbursement fee programs. New Interchange Fee Program and Processing for Commercial Choice Program in the U.S. Region ●Visa is introducing a new Commercial Choice Program for U.S. domestic payment transactions that will be based on an agreement between the acquirer, merchant, and issuer and will require registration with Visa. New Acquirer Fee Program for Non-Regulated Debit and Prepaid Transactions ●Visa will implement a new acquirer fee program that will be available to U.S. domestic non-regulated debit and prepaid transactions from eligible merchants that are processed by registered acquirers. Revisions to Merchant Segment Interchange Fee Programs for Visa Consumer Credit Transactions ●Visa will implement changes to the existing merchant segment interchange rates for tokenized Visa Consumer Credit purchase transactions that meet Card-Not-Present CPS qualification. New Small Merchant Interchange Fee Program for Visa Consumer Credit Transactions ●Visa will revise interchange requirements and rates for tokenized and non-tokenized Visa Consumer Credit purchase transactions pertaining to small merchants (up to $250,000 in gross Visa sales) in select industries (Restaurant, Taxi, Real Estate, Education, Healthcare, Advertising, Insurance, Services, Telecommunications and Cable). ●Visa will also revise Product 1 (Card Not Present) and Product 2 (Card Present) interchange requirements and rates for tokenized and non-tokenized Visa Consumer Credit purchase transactions pertaining to small merchants (up to $250,000 in gross Visa sales) in all other industries. Revisions to Product 1 Interchange Fee Programs for Visa Consumer Credit Transactions ●Visa will revise the existing Product 1 interchange fee programs for non-tokenized Visa Consumer credit purchase transactions and Account Funding Transactions (AFTs) that meet Card-Not-Present CPS qualification. Miscellaneous Visa Fees ●Visa will implement a new fee of $0.001 (U.S. and Canada) and $0.005 (LAC) per Address Verification Service (AVS) result. The AVS fee will not be charged when the address is not verified or when the transaction is an Account Verification Message, Account Funding Transaction (AFT) or Original Credit Transaction (OCT). Visa will implement a new LAC fee of $0.0035 (domestic) and a fee of $0.025 (international) for Account Verification messages. Revisions to Support New Account Name Inquiry Functionality in Account Verification Messages ●Visa is introducing Account Name Inquiry, a new name matching functionality available for the account verification messages for Card-Not-Present transactions. This is in addition to the ZIP code matching functionality currently available. Updates to existing Visa Commercial Fleet Fee Programs ●Merchants must support addendum 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 New and Revised U.S. Region Interchange Programs and Rates ●Mastercard will revise sixteen (16) U.S. Consumer interchange programs. ●Mastercard will revise the rates for the Unregulated Consumer Debit and Unregulated Consumer Prepaid structures. ●Mastercard will add a new rate pertaining to Merit 1 Day Care within the Consumer Credit Structure. Introducing Mastercard Installment Payment Product Codes in the U.S. Region ●Mastercard is introducing and all merchants will be enabled to allow installment payment options at POS checkout. Merchants will be funded the full amount of the transaction; Cardholder will be billed in installments. ●Merchants choosing to opt-out will need to contact their Relationship Manager or Customer Service. Installment payment transactions will decline at opt-out locations. ●Mastercard is introducing a new interchange program and fees to support installment payment transactions. Expanding Digital Enablement in the U.S. Region (Effective April 11, 2022) ●Mastercard will revise the billing structure for the Digital Enablement Fee. The fee will increase from 0.01% to the new value of 0.02% for all U.S. acquired authorizations with a minimum billing of $0.02 and a maximum of $0.20 per transaction. Enhancements to Interregional and Intraregional Interchange Programs ●Mastercard is enhancing the interregional and intraregional interchange programs to simplify the programs. Revised Standards for Installment Transactions ●Mastercard is clarifying requirements and adding a new transaction type identifier value of P10 (Installment Base Repayment). Decline Reason Code Service Pricing for Card-Not-Present Transactions in Canada, LAC, and U.S. (Effective April 11, 2022) ●Mastercard is introducing a new fee of $0.02 for U.S. and Canada and 0.03% (minimum $0.00025, maximum of $0.12) for LAC, for re-submission of certain decline authorization codes for card not present transactions. Deferred Authorization Indicator ● Mastercard is requiring the Deferred Authorization indicator be sent in the authorization request for deferred transactions. Data Enhancements for Mastercard MoneySend and Funding Transactions ●Mastercard updated the program standards to require the Additional Transaction Reference Data field (DE 108) to include Originating Institutions (OIs) for funding transactions for MCC 4829 (Money Transfer) or MCC 6540 (Funding Transaction). STAR Access SM Changes Revisions for STAR Access Fee Schedule ●STAR Access will introduce a new $0.10 Reclass fee and a new $0.01 Token Exchange fee. In addition, the $0.0325 Auth Decline fee will increase to $0.10. STAR Access Front of Card Revision ●STAR Access restructured their interchange programs and introduced new debit rates based on the issuer identified BINs on the front of the card.