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HomeMy WebLinkAboutInv# MarinaApr2022 - FIRST DATA - 04/30/2022SpendTrend®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 4 THIS IS NOT A BILL Statement Period 04/01/22 - 04/30/22 Merchant Number 276213112887 Locations Included 1 Customer Service Website - www.businesstrack.com Phone - 1-800-432-7628 Year-over-year Growth APR '21 vs APR '22 Thirteen Month - Total Sales Apr-21May-21Jun-21Jul-21Aug-21Sep-21Oct-21Nov-21Dec-21Jan-22Feb-22Mar-22Apr-22$3,000 $18,000 $33,000 $48,000 $63,000 $78,000 $93,000 $108,000 -103% -88% -73% -58% -43% -28% -13% 1% 16% 31% 46% -93.9 -94.8 17.0 -15.6 -29.4 19.4 Dollar Volume Growth Transaction Growth Average Ticket Growth Your Business Similar Businesses Across the Country MASTERCARD VISA $1,247.58 $2,656.34 PO Box 2394, Omaha, NE 68103-2394 SUMMARY An overview of account activity for the statement period. Total Amount Submitted $3,903.92 Chargebacks/Reversals 0.00 Adjustments 0.00 Fees -$210.05 Total Amount Processed $3,693.87 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 4 Statement Period 04/01/22 - 04/30/22 IMPORTANT INFORMATION ABOUT YOUR ACCOUNT IMPORTANT INFORMATION: Mastercard Acquirer Credential Continuity Program for the U.S. and Canada Region * Effective May 22, 2022, Mastercard will assess a $0.03 fee for each recurring payment transaction completed with outdated account credentials. Credentials are considered outdated 10 calendar days after an issuer reported an account update to the Automatic Billing Updater. * The fee will apply regardless of the authorization response code. IMPORTANT INFORMATION: STAR Revised Fee Schedule * Effective May 1, 2022, STAR network is restructuring interchange rates for the STAR Standard, Choice and Select Interchange programs. * Effective April 18, 2022, the STAR Acquiring License fee will be 0.95%, assessed for each approved STAR POS and Internet transaction. Please refer to the "Resources" section of www.businesstrack.com for Debit Network Organization information. IMPORTANT INFORMATION: Accel Revised Fee Schedule * Effective May 1, 2022, Accel network is restructuring interchange rates for the Accel Standard, Member Advantage, Advantage Select and Assurance Select Interchange programs. * Effective April 18, 2022, the Accel Acquiring License fee will be 0.95%, assessed for each approved Accel POS and Internet transaction. Please refer to the "Resources" section of www.businesstrack.com for Debit Network Organization information. IMPORTANT NOTICE: Effective on your June statement, we are implementing changes to the way chargebacks are billed to you. The new fee will appear as "Incoming Chargeback Fee" and will replace your existing "Chargeback Fee" for Visa, Mastercard, Discover Network and American Express transactions. Continued use of your merchant account after May 31, 2022 will constitute your acceptance of these terms. SUMMARY BY DAY Date Submitted Submitted Amount Chargebacks/ Reversals Adjustments Fees Amount Processed 04/04/22 $1,247.58 0.00 0.00 0.00 $1,247.58 04/14/22 $1,413.94 0.00 0.00 0.00 $1,413.94 04/15/22 $1,242.40 0.00 0.00 0.00 $1,242.40 Month End Charge 0.00 0.00 0.00 -$210.05 -$210.05 Total $3,903.92 0.00 0.00 -$210.05 $3,693.87 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 $1,247.58 1 $1,247.58 0 0.00 1 $1,247.58 VISA $1,328.17 2 $2,656.34 0 0.00 2 $2,656.34 Total 3 $3,903.92 0 0.00 3 $3,903.92 SUMMARY BY LOCATION Merchant Number Submitted Amount Chargebacks/ Reversals Adjustments Fees Amount Processed 276213112887 $3,903.92 0.00 0.00 -$210.05 $3,693.87 Total $3,903.92 0.00 0.00 -$210.05 $3,693.87 YOUR CARD PROCESSING STATEMENT Merchant Number 276213112887 Customer Service Website - www.businesstrack.com Phone - 1-800-432-7628 Page 3 of 4 Statement Period 04/01/22 - 04/30/22 ©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 ASSESSMNT TRAN AMT >=$1K 0 X TRNS $1247.58 Interchange charges -$0.12 MASTERCARD ASSESSMENT FEE 0.0013 TIMES $1247.58 Interchange charges -$1.62 MASTERCARD ACCESS FEE 1 TRANSACTIONS AT 0.034 Interchange charges -$0.03 MC-HIGH VAL MERIT I Interchange charges -$31.29 MC LICENSE VOLUME FEE 0.000217 DISC RATE TIMES $1247.58 Service charges -$0.27 MASTERCARD SALES DISCOUNT 0.0075 DISC RATE TIMES $1247.58 Service charges -$9.36 MASTERCARD AUTH FEE 1 TRANSACTIONS AT 0.1 Fees -$0.10 M/C INTERNET AUTH FEE 1 TRANSACTIONS AT 0.05 Fees -$0.05 VISA VI-US BUS TR2 PRD 1 Interchange charges -$34.89 VI-REG CONSUMER MQ (DB)Interchange charges -$0.93 VISA ACCESS FEE 2 TRANSACTIONS AT 0.034 Interchange charges -$0.07 VISA ASSESSMENT FEE DB 0.0013 TIMES $1413.94 Interchange charges -$1.84 VISA ASSESSMENT FEE CR 0.0014 TIMES $1242.40 Interchange charges -$1.74 VISA SALES DISCOUNT 0.0075 DISC RATE TIMES $1242.40 Service charges -$9.32 VISA DEBIT SALES DISCOUNT 0.0075 DISC RATE TIMES $1413.94 Service charges -$10.60 VISA AUTH FEE 2 TRANSACTIONS AT 0.1 Fees -$0.20 VISA INTERNET AUTH FEE 2 TRANSACTIONS AT 0.05 Fees -$0.10 Other MONTHLY ADVANTAGE FEE MCVDB 0.0003 TIMES $3903.92 Service charges -$1.17 TRANSARMOR TOKEN ONLY 3 TRANSACTIONS AT 0.02 Fees -$0.06 INTERNET AVS AUTH FEE 3 TRANSACTIONS AT 0.05 Fees -$0.15 BATCH SETTLEMENT FEE 3 TRANSACTIONS AT 0.39 Fees -$1.17 TOTAL TRANSACTION FEES -$105.08 ACCOUNT FEES Type Amount PAYEEZY MONTHLY FEE Fees -$19.95 VISA NETWORK FEE CNP 2-06 Fees -$45.00 TRANSARMOR MONTHLY FEE Fees -$19.95 DIGITAL ENABLEMENT FEE 0 X TRNS $1247.58 Fees -$0.12 NON RECEIPT OF PCI VALIDATION 1 TRANSACTIONS AT 19.95 Fees -$19.95 TOTAL ACCOUNT FEES -$104.97 TOTAL -$210.05 Total Interchange Charges -$72.53 ©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 4 Statement Period 04/01/22 - 04/30/22 FEES Amount charged to authorize, process and settle card transactions, along with transaction-based and/or fixed amounts charged for specific card processing services. Total Service Charges -$30.72 Total Fees -$106.80 Total (Service Charges, Interchange Charges, and Fees)-$210.05 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-HIGH VAL MERIT I $1,247.58 100%1 100%0.0250 $0.100 -$31.29 MASTERCARD TOTAL $1,247.58 1 -$31.29 VISA VI-REG CONSUMER MQ (DB)$1,413.94 53%1 50%0.0005 $0.220 -$0.93 VI-US BUS TR2 PRD 1 $1,242.40 47%1 50%0.0280 $0.100 -$34.89 VISA TOTAL $2,656.34 2 -$35.82 TOTAL $3,903.92 3 -$67.11 Important Information (for e-Commerce merchants only) Visa Token Service Will Enable Web Browser Auto-Fill / Form-Fill with Tokens Cardholders participating in e-commerce transactions today may do so using web browsers that offer auto-fill / form-fill features, including the ability to auto-fill cardholder names, shipping and billing addresses and payment credentials (e.g., primary account number [PAN‘ and PAN expiration date), to facilitate cardholder convenience and reduce the possibility of incorrectly entering account and payment information. Effective April 22, 2022 Visa Token Service will begin to allow web browsers to replace PANs with e-commerce enabler tokens. This will empower browsers to auto-fill a cardholder's payment data during the checkout process. The auto-fill data will include tokenized card credentials, including the token, token expiration date and three-digit dynamic token verification values (DTVV cryptogram). This enhancement is designed to bring together the benefits of payment tokens, the enhanced cardholder experience facilitated by browser auto-fill / form-fill, and existing merchant checkout interfaces. The Process Visa will assign each participating web browser a unique Token Requestor ID, which will be exclusive to the auto-fill use case. Browsers will then provision e-commerce enabler tokens to replace their users’ PANs. This use case will utilize Visa's Cloud Token Framework (CTF). Transaction flow ●The browser stores cardholder information for future shopping experience. ●When cardholder is shopping the browser will tokenize the cardholder information. ●The browser passes cardholder data from the checkout form to the merchant's payment system. ●Merchant will receive tokenized cardholder information passed by the shopping cart (instead of original PAN, Exp Date, CVV2). Merchant Considerations Visa has provided a process for merchants to participate in this process, or to opt-out so that any/all browsers do not tokenize any data at consumer checkout. Although Visa has communicated an effective date of April 22, 2022, at this time there are no browsers that have committed to participate. We are providing this notice to you in anticipation that browsers will implement this at some point. If choosing to opt out, please call the number on this statement or notify your Account Manager as soon as possible. The table below outlines the implications of a merchant remaining in the program versus opting out CED1036I Stay In Program Opt-Out of Program Program Browsers will automatically begin to tokenize cardholder data ●Browsers will not tokenize cardholder data. ●Client will need to formally request to opt out of program. ●Each URL would need to be opted out of program Auth/Settlement There are no changes required for merchant to support the program No changes Reporting Tokens will replace PANs in all Fiserv reporting No changes Interchange cost (if applicable) Transactions are eligible to qualify for new Token interchange rates being introduced in April 2022 Transactions are eligible to qualify for the non-Token interchange rates effective April 2022. Debit Routing Browser tokens are not routable to Debit Networks Debit Routing remains unchanged Merchant back-office Merchant nor the acquirer will have access to the cardholder PAN, which could: ●create difficulty in researching transactions ●create difficulty in managing refunds ●affect reprocessing or reversing transactions No changes