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Inv# March2023PCit - FIRST DATA - 03/31/2023
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 ADAM SEGAL 100 W DANIA BEACH BLVD DANIA BEACH FL 33004-3699 CITY OF DANIA BEACH PO Box 2394, Omaha, NE 68103-2394 STATEMENT PERIOD: 03/01/23 - 03/31/23 THIS IS NOT A BILL Merchant Number: 984222377884 This month you had: 787 New customers 21 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. March 2023 insights $48 Avg ticket size $50 Avg. $ spend per card transaction 1.0 Avg. number of transactions per customer Your sales were $40,076.00 this month which is 13.20% 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! Dania Beach Arts & Seafood Celebration from Apr 1 -03 Melina Almodovar at the 1 N Young Cir is on Apr 8 Wage War; nothing, nowhere. ; and Spite at the Fort Lauderdale, FL 33312 is on Apr 11 Account Summary An overview of your account activity for the statement period. Total Amount Submitted $40,076.00 Chargebacks/Reversals 0.00 Adjustments 0.00 Fees -$1,220.51 Total Amount Processed $38,855.49 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 03/01/23 - 03/31/23 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 2023 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 2023. - "Interchange Qualification Matrix"(IQM) provides a description of the various interchange programs established by the payment card brands, as well as the primary qualification criteria and rates/fees for each interchange program. - "Interchange Rate/Fee Schedule" describes the anticipated interchange programs for your account for Visa, Mastercard and Discover card transactions. - "Card Organization Pass Through Fee Schedule" provides information about fees charged by the Card Organizations that are passed on to your account. - "Debit Networks Fee Schedule" provides a description of the various interchange programs established by the Debit Networks, as well as the rates/fees for each interchange program. - "Summary of Spring 2023 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 02/28/23 $1,238.00 0.00 0.00 0.00 $1,238.00 03/01/23 $2,052.00 0.00 0.00 0.00 $2,052.00 03/02/23 $1,155.00 0.00 0.00 0.00 $1,155.00 03/03/23 $1,656.00 0.00 0.00 0.00 $1,656.00 03/04/23 $1,069.00 0.00 0.00 0.00 $1,069.00 03/05/23 $645.00 0.00 0.00 0.00 $645.00 03/06/23 $1,244.00 0.00 0.00 0.00 $1,244.00 03/07/23 $1,189.00 0.00 0.00 0.00 $1,189.00 03/08/23 $1,152.00 0.00 0.00 0.00 $1,152.00 03/09/23 $1,825.00 0.00 0.00 0.00 $1,825.00 03/10/23 $1,112.00 0.00 0.00 0.00 $1,112.00 03/11/23 $1,413.00 0.00 0.00 0.00 $1,413.00 03/12/23 $1,158.00 0.00 0.00 0.00 $1,158.00 03/13/23 $1,195.00 0.00 0.00 0.00 $1,195.00 03/14/23 $1,318.00 0.00 0.00 0.00 $1,318.00 03/15/23 $1,622.00 0.00 0.00 0.00 $1,622.00 03/16/23 $1,238.00 0.00 0.00 0.00 $1,238.00 03/17/23 $1,456.00 0.00 0.00 0.00 $1,456.00 03/18/23 $903.00 0.00 0.00 0.00 $903.00 03/19/23 $1,622.00 0.00 0.00 0.00 $1,622.00 03/20/23 $1,585.00 0.00 0.00 0.00 $1,585.00 03/21/23 $814.00 0.00 0.00 0.00 $814.00 03/22/23 $1,069.00 0.00 0.00 0.00 $1,069.00 03/23/23 $900.00 0.00 0.00 0.00 $900.00 03/24/23 $1,539.00 0.00 0.00 0.00 $1,539.00 03/25/23 $860.00 0.00 0.00 0.00 $860.00 03/26/23 $1,459.00 0.00 0.00 0.00 $1,459.00 03/27/23 $2,046.00 0.00 0.00 0.00 $2,046.00 03/28/23 $1,490.00 0.00 0.00 0.00 $1,490.00 03/29/23 $1,066.00 0.00 0.00 0.00 $1,066.00 03/30/23 $986.00 0.00 0.00 0.00 $986.00 Month End Charge 0.00 0.00 0.00 -$1,220.51 -$1,220.51 Total $40,076.00 0.00 0.00 -$1,220.51 $38,855.49 YOUR CARD PROCESSING STATEMENT Merchant Number 984222377884 Customer Service Website - www.businesstrack.com Phone - 1-833-692-5687 Page 3 of 5 Statement Period 03/01/23 - 03/31/23 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 $49.37 222 $10,961.00 0 0.00 222 $10,961.00 VISA $46.94 601 $28,212.00 0 0.00 601 $28,212.00 Discover $43.00 21 $903.00 0 0.00 21 $903.00 Total 844 $40,076.00 0 0.00 844 $40,076.00 SUMMARY BY BATCH Total Gross Sales You Submitted Refunds Total Amount You Submitted Batch Submit Date Average Ticket Items Amount Items Amount Items Amount 010042283978 02/28/23 $47.62 26 $1,238.00 0 0.00 26 $1,238.00 020047504050 03/01/23 $47.72 43 $2,052.00 0 0.00 43 $2,052.00 030046364055 03/02/23 $46.20 25 $1,155.00 0 0.00 25 $1,155.00 040046504038 03/03/23 $51.75 32 $1,656.00 0 0.00 32 $1,656.00 050022240610 03/04/23 $46.48 23 $1,069.00 0 0.00 23 $1,069.00 060021210294 03/05/23 $43.00 15 $645.00 0 0.00 15 $645.00 070033064017 03/06/23 $44.43 28 $1,244.00 0 0.00 28 $1,244.00 080034274223 03/07/23 $51.70 23 $1,189.00 0 0.00 23 $1,189.00 090035104208 03/08/23 $48.00 24 $1,152.00 0 0.00 24 $1,152.00 100036364016 03/09/23 $52.14 35 $1,825.00 0 0.00 35 $1,825.00 110051074140 03/10/23 $46.33 24 $1,112.00 0 0.00 24 $1,112.00 120021441591 03/11/23 $48.72 29 $1,413.00 0 0.00 29 $1,413.00 130022280267 03/12/23 $44.54 26 $1,158.00 0 0.00 26 $1,158.00 140043424023 03/13/23 $47.80 25 $1,195.00 0 0.00 25 $1,195.00 150035213995 03/14/23 $50.69 26 $1,318.00 0 0.00 26 $1,318.00 160036434005 03/15/23 $50.69 32 $1,622.00 0 0.00 32 $1,622.00 170036093918 03/16/23 $47.62 26 $1,238.00 0 0.00 26 $1,238.00 180038373746 03/17/23 $45.50 32 $1,456.00 0 0.00 32 $1,456.00 190018370368 03/18/23 $43.00 21 $903.00 0 0.00 21 $903.00 200017550198 03/19/23 $47.71 34 $1,622.00 0 0.00 34 $1,622.00 210050043847 03/20/23 $45.29 35 $1,585.00 0 0.00 35 $1,585.00 220029513898 03/21/23 $45.22 18 $814.00 0 0.00 18 $814.00 230041323878 03/22/23 $46.48 23 $1,069.00 0 0.00 23 $1,069.00 240043433716 03/23/23 $45.00 20 $900.00 0 0.00 20 $900.00 250044333767 03/24/23 $46.64 33 $1,539.00 0 0.00 33 $1,539.00 260023090755 03/25/23 $43.00 20 $860.00 0 0.00 20 $860.00 270017220164 03/26/23 $45.59 32 $1,459.00 0 0.00 32 $1,459.00 280031553928 03/27/23 $49.90 41 $2,046.00 0 0.00 41 $2,046.00 290044474096 03/28/23 $51.38 29 $1,490.00 0 0.00 29 $1,490.00 300043323963 03/29/23 $48.45 22 $1,066.00 0 0.00 22 $1,066.00 310032263990 03/30/23 $44.82 22 $986.00 0 0.00 22 $986.00 Total 844 $40,076.00 0 0.00 844 $40,076.00 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 03/01/23 - 03/31/23 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 227 TRANSACTIONS AT 0.034 Interchange charges -$7.72 MASTERCARD DEBIT SALES DISC 0.023 DISC RATE TIMES $4811.00 Service charges -$110.65 MASTERCARD SALES TRANS FEE 115 TRANSACTIONS AT 0.11 Service charges -$12.65 MC SALES DEBIT TRANS FEE 94 TRANSACTIONS AT 0.11 Service charges -$10.34 MASTERCARD SALES DISCOUNT 0.023 DISC RATE TIMES $5551.00 Service charges -$127.67 MASTERCARD NON-QUAL SALES DISC 0.033 DISC RATE TIMES $599.00 Service charges -$19.77 MC NON-QUAL SALES TRANS FEE 13 TRANSACTIONS AT 0.11 Service charges -$1.43 MC LICENSE VOLUME FEE 0.000217 DISC RATE TIMES $10961.00 Service charges -$2.38 MC-AUTH DIGITAL ENABLEMENT MIN 223 TRANSACTIONS AT 0.02 Fees -$4.46 MC-DECLINE REASON CODE SVC FEE 2 TRANSACTIONS AT 0.02 Fees -$0.04 VISA VI INTEGRITY FEE DETAIL REPORT 5 TRANSACTIONS AT .002000 Fees -$0.01 VISA ACCESS FEE 628 TRANSACTIONS AT 0.034 Interchange charges -$21.35 VISA SALES TRANS FEE 200 TRANSACTIONS AT 0.11 Service charges -$22.00 VISA NON-QUAL SALES DISCOUNT 0.033 DISC RATE TIMES $1324.00 Service charges -$43.69 VI SALES DEBIT TRANS FEE 369 TRANSACTIONS AT 0.11 Service charges -$40.59 VISA NON-QUAL SALES TRANS FEE 28 TRANSACTIONS AT 0.11 Service charges -$3.08 VISA SALES DISCOUNT 0.023 DISC RATE TIMES $9080.00 Service charges -$208.84 VISA DEBIT SALES DISCOUNT 0.023 DISC RATE TIMES $17636.00 Service charges -$405.63 VI DEBIT NON-QUAL SALES DISC 0.033 DISC RATE TIMES $172.00 Service charges -$5.68 VI DEBIT NON-QUAL TRANS FEE 4 TRANSACTIONS AT 0.11 Service charges -$0.44 VI-ADDRESS VER SVC FEE 619 TRANSACTIONS AT 0.001 Fees -$0.62 VI NEVER APPROVE REATTEMPT FEE 3 TRANSACTIONS AT 0.1 Fees -$0.30 DISCOVER DISCOVER ACCESS FEE 21 TRANSACTIONS AT 0.034 Interchange charges -$0.71 DISCOVER NONQUAL SALE TRANS 4 TRANSACTIONS AT 0.11 Service charges -$0.44 DISCOVER SALES TRANS FEE 17 TRANSACTIONS AT 0.11 Service charges -$1.87 DISCOVER NONQUAL SALES DISC 0.033 DISC RATE TIMES $172.00 Service charges -$5.68 DISCOVER SALES DISCOUNT 0.023 DISC RATE TIMES $731.00 Service charges -$16.81 ADDRS VERIFICATION SERVICE FEE 24 TRANSACTIONS AT 0.005 Fees -$0.12 Other CLOVER SECURITY PLUS MONTHLY Service charges -$19.95 VI BASE II SYSTEM FILE FEE 601 TRANSACTIONS AT 0.0018 Service charges -$1.08 DIGITAL INVESTMENT FEE $903.00 AT0.0001 Service charges -$0.09 BATCH SETTLEMENT FEE 31 TRANSACTIONS AT 0.39 Fees -$12.09 MC-AUTH DIGITAL ENABLEMENT FEE $378.00 AT0.0002 Fees -$0.08 AVS WATS AUTHORIZATION FEE 880 TRANSACTIONS AT 0.1 Fees -$88.00 TOTAL TRANSACTION FEES -$1,196.26 ACCOUNT FEES Type Amount MC MONTHLY LOCATION FEE Fees -$0.63 VISA NETWORK FEE CNP 2-07 Fees -$11.77 VISA INTL SERVICE FEE - BASE 0 TRANS TOTALING $387.00 Fees -$3.87 US CROSS BORDER FEE 0 TRANS TOTALING $430.00 Fees -$2.58 VS INTL ACQUIRER FEE 0 TRANS TOTALING $387.00 Fees -$1.74 YOUR CARD PROCESSING STATEMENT Merchant Number 984222377884 Customer Service Website - www.businesstrack.com Phone - 1-833-692-5687 Page 5 of 5 Statement Period 03/01/23 - 03/31/23 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. MC GLOBAL ACQUIRER FEE 0 TRANS TOTALING $430.00 Fees -$3.66 TOTAL ACCOUNT FEES -$24.25 TOTAL -$1,220.51 Total Interchange Charges -$29.78 Total Service Charges -$1,060.76 Total Fees -$129.97 Total (Service Charges, Interchange Charges, and Fees)-$1,220.51 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 February GROSS REPORTABLE SALES-TIN##########0302 $35,572.00 2023 YTD Gross Reportable Sales $73,208.00 CED1335I Summary of Spring 2023 Card Brand & Debit Network Organization Changes The following changes are effective April 15, 2023, 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 Expansion of Estimated, Initial, and Incremental Authorization Processing to All Merchant Category Codes●Visa will implement changes to allow all Merchant Category Codes (MCCs) to be eligible for estimated and incremental authorization purchase transactions. In addition, Visa will introduce a new 0.02% fee for any approved estimated and incremental authorization. Changes to the Address Verification Service●Visa will simplify and streamline AVS processing by discontinuing redundant result codes. Additional Changes to Support New Account Name Inquiry Functionality in Account Verification Messages●Visa introduced new functionality to allow account name inquiries in account verification requests. In addition, Visa will enhance the account name inquiry functionality to allow matching also to be performed on the first, middle, and last names separately, as well as a full name match result based on the combination of first, middle, and last name. Changes to Existing Visa Consumer Credit Interchange Fee Programs, Fee Descriptors, and Fee Program Indicators●Visa will modify interchange programs and descriptors associated with Visa Signature, Visa Signature Preferred, and Visa Infinite consumer credit products. The existing interchange rates will remain unchanged. Changes to Visa GSA Corporate T&E Product Interchange Fee Programs for Healthcare Transactions ●U.S. Healthcare MCCs will no longer be eligible for Corporate Card - Non-Travel Service Level 2 and 3 interchange programs when accepting a Visa GSA Healthcare Corporate credit card. Instead, they will be eligible for Corporate Credit - Card Not Present and Card Present interchange programs. Changes to Commercial Choice Program Products in the U.S. Region●Visa will revise the Commercial Choice program to allow additional products and Account Funding Source values to qualify for the existing Commercial Choice Program. Card Verification Value 2 Pricing Changes●Visa will introduce a new fee of $0.0025 per Card Verification Value (CVV2) result which will be assessed per transaction when the CVV2 code verification result yields a match (M) or no match (N). Update for POS Entry Mode 91 Transactions●Effective April 1, 2023, Visa will assess a $0.10 fee for each POS Entry Mode 91 Magnetic-Stripe Data (MSD) transaction. Updated Data Processing Fee Structure Based on Ticket Size for Domestic Transactions in the Caribbean●Effective June 1, 2023, Visa will implement a new pricing structure for domestic transactions in the Caribbean. Billing will change from tiered based on monthly transaction counts to ticket size. U.S. Automated Fuel Dispenser Authorization Limits Will Be Changed●Visa is increasing the authorization limit for U.S. Automated Fuel Dispenser (AFD) $1.00 status checks. In addition, Visa is also increasing the U.S. AFD Real-Time Clearing (RTC) authorization amount from $500 to $1,000 on Fleet Card Transactions. Interchange Fee Programs for U.S. Manual Cash Disbursement Transactions●Effective April 1, 2023, a new Visa Manual Cash Disbursement Switch Fee, at a rate of $0.15, will apply to domestic U.S. manual cash transactions. MasterCard® OPERATIONAL and RATE CHANGES Revised Standards - Electric Vehicle Charging Transaction Processing●Mastercard is defining how Electric Vehicle (EV) Charging transactions should be processed.●Merchants can utilize a preauthorization if the authorization is done prior to the charging.●Merchants can also wait until after the charging is complete and do a sale transaction for the final amount. Introduction and Standardization of Transaction Data Elements●Mastercard is adding new data fields in the authorization and clearing messages. The new fields will provide information on where the transaction took place as well as provide customer service information to the cardholder. Introducing Product Codes for the Mastercard Enterprise Solution Wholesale Travel Program●Mastercard is introducing new product codes that will be eligible for the Mastercard Enterprise Solution Wholesale Travel Program. The interchange rates for the newly introduced product codes apply to wholesale travel transactions acquired anywhere in the world and are initiated with a virtual Mastercard account number associated with any applicable wholesale travel product. Modifying Mastercard Installment Payment Programs●Mastercard is expanding the Merchant Category Codes (MCCs) associated with Installment Payments Group A, to support domestic clearing of transactions on MasterCard Installment payment product codes. Merchants choosing to opt-out will need to contact their Relationship Manager or Customer Service. Installment payment transactions will decline at opt-out locations. Discover® OPERATIONAL and RATE CHANGES Transaction Data Condition Code Update●Discover will require the Transaction Data Condition Code (TDCC) that is sent in the authorization response message to be included in settlementRevisions for Reclassification Reason Codes●Discover will introduce a new Reclassification Reason Code 27. The new reason code will be applied when transaction amount and card product does not comply with the required criteria for interchange. Revised Interchange Rates and Fees●Discover will revise the rates and fees for Consumer Debit, Consumer Credit and Commercial Prepaid card products. Revised Program Integrity Fee●Discover will revise the Program Integrity fee from the current value of $0.05 to the new value of $0.10. American Express® OptBlue OPERATIONAL and RATE CHANGES Revisions for OptBlue Pricing Programs●American Express is removing MCC 7801 (Online Gambling) from the Prohibited Category in the U.S. Region excluding Puerto Rico and U.S. Virgin Islands. Indirect Acceptance Support●American Express will expand their support of Indirect Acceptor Models to allow cardholders to make purchases or payments with Bill Payment Providers (BPP) and Installment Payment Providers (IPP). CED1336I Summary of Spring 2023 Card Brand & Debit Network Organization Changes The following changes are effective April 15, 2023, unless otherwise indicated. Please refer to the "Resources" section of www.businesstrack.com for additional Card Brand and Debit Network Organization information. STAR Access SM Changes Revised STAR Access Pricing ●STAR Access will consolidate interchange programs and pricing for Cardholder Present, Cardholder Not Present and Bill Payment categories. In addition, STAR Access has redefined MCCs within the Bill Payment category. ●STAR Access will introduce a new fee of $0.04 per transaction for refunds.●The STAR Access Per Tran fee will be revised to include Cardholder Not Present and Bill Payment transactions at $0.10. Debit Network Changes INTERLINK●Interlink will simplify AVS results codes by discontinuing redundant values. ●Effective July 1, 2023, Interlink is expanding to support Card-Not-Present (CNP) transactions. This will include processing for consumer-initiated and merchant-initiated transactions.●Effective April 1, 2023, the Interlink System Integrity Fee of $0.10 will apply for transactions classified and identified as Issuer will Never Approve.●Effective April 1, 2023, the Interlink High Fallback Fee of $0.10 will apply for each magnetic stripe transaction occurring at merchant locations with a fallback rate of 10% or above. MAESTRO●Effective July 1, 2023, Maestro is expanding to support non-Mastercard Maestro CNP transactions on the Single Message System. In addition, Maestro will enable Non-Mastercard Maestro AVS and EMV 3-D Secure CNP transactions. ●Maestro is adding new data fields in the authorization and clearing messages. The new fields will provide information on where the transaction took place as well as provide customer service information to the cardholder. PULSE●PULSE will begin to support the new SRC transaction Y indicator, which identifies e-commerce SRC transactions.●PULSE will increase the Merchant Participation Fee from the current value $16.00 to the new value of $18.00 per active location, per year. ●PULSE is removing the cap for Non-Regulated PIN Debit Pulse Pay Limited Interchange fees for Grocery and Petroleum merchants. STAR ●STAR will require the value of 10 - COF in the POS Entry Mode to identify when a transaction is initiated by a cardholder or merchant using payment data stored by a merchant. ●STAR will consolidate interchange programs and pricing for Cardholder Present, Cardholder Not Present and Bill Payment categories. ACCEL●Accel will consolidate interchange programs and pricing for Cardholder Present, Cardholder Not Present and Bill Payment categories.●Accel will require the value of "C" - COF in the Point of Service Data Code to identify a transaction initiated by an accountholder or merchant using payment data stored with a merchant. NYCE/CULIANCE●Effective February 1, 2023, NYCE revised the Merchant Location Participation Fee to include eCommerce locations and is increasing the fee from the current value of $16.00 to the new value of $17.00 per active location, per year.●Effective February 1, 2023, CULIANCE revised the Merchant Location Participation Fee to include eCommerce locations and is increasing the fee from the current value of $16.00 to the new value of $17.00 per active location, per year. Dispute Changes (refer to your Disputes Best Practices Guide for updates, available in Dispute Manager) Visa Dispute Rule Updates●Visa is revising their rules regarding Compelling Evidence and Disputes Rules Language. Visa Resolve Online Pricing Changes for Canada and the U.S. ●Visa will implement a new $5.00 Pre-Arbitration with Qualified Remedy fee as well as revise the fees for Response Time Frames, Expired Response Time Frame, Case File, and Images Added or Uploaded. Mastercard Revised Standards for Clarification of No Cardholder Authorization Disputes●Mastercard is clarifying dispute rights under Reason Code 4837 - No Cardholder Authorization for Merchant Initiated Transactions (MIT) when there is evidence of an original authenticated transaction. Amex Miscellaneous Dispute Changes●Amex is re-instating select Chargeback and Retrieval/Inquiry reason codes. STAR Revised Limitations on Chargebacks●Effective April 1, 2023, STAR is increasing the number of fraud chargebacks initiated on the same card number from 15 to 35 for the below reasons codes:●6000 "Unauthorized/Fraud Dispute"●6500 "Counterfeit Chip Card Fraud"