HomeMy WebLinkAboutInv# March2023MTR - FIRST DATA - 03/31/2023SpendTrend®Current Volume
By Card Type
PO Box 2394, Omaha, NE 68103-2394
CITY OF DANIA BEACH
ADAM SEGAL
100 W DANIA BEACH BLVD
DANIA BEACH FL 33004-3699
YOUR CARD PROCESSING STATEMENT
Page 1 of 8 THIS IS NOT A BILL
Statement Period 03/01/23 - 03/31/23
Merchant Number 982161560882
Locations Included 1
Customer Service Website - www.businesstrack.com
Phone - 1-877-273-8191
Year-over-year Growth MAR '22 vs MAR '23
Thirteen Month - Total Sales
Ma
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$50,000
$65,000
$80,000
$95,000
$110,000
$125,000
$140,000
$155,000
-35%
-20%
-5%
9%
24%
39%
54%
69%
84%
99%
114%99.9
40.3 42.4
-21.7 -25.8
5.5
Dollar Volume
Growth
Transaction
Growth
Average Ticket
Growth
Your Business Similar Businesses Across the
Country
MASTERCARD
VISA
DISCOVER
AMEX ACQ
$37,226.25
$86,833.05
$1,751.85
$341.10
PO Box 2394, Omaha, NE 68103-2394
SUMMARY An overview of account activity for the statement period.
Total Amount Submitted $126,152.25
Chargebacks/Reversals -$82.65
Adjustments 0.00
Fees -$9,937.16
Total Amount Processed $116,132.44
Page 2
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Page 4
PO Box 2394, Omaha, NE 68103-2394
YOUR CARD PROCESSING STATEMENT
Merchant Number 982161560882
Customer Service Website - www.businesstrack.com
Phone - 1-877-273-8191
Page 2 of 8
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.
- "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.
- "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
03/01/23 $3,268.95 0.00 0.00 0.00 $3,268.95
03/02/23 $3,156.00 0.00 0.00 0.00 $3,156.00
03/03/23 $3,103.95 0.00 0.00 0.00 $3,103.95
03/04/23 $3,761.70 0.00 0.00 0.00 $3,761.70
03/05/23 $7,853.25 0.00 0.00 0.00 $7,853.25
03/06/23 $9,330.90 -$6.15 0.00 0.00 $9,324.75
03/07/23 $2,825.55 0.00 0.00 0.00 $2,825.55
03/08/23 $2,902.20 0.00 0.00 0.00 $2,902.20
03/09/23 $2,583.45 -$12.30 0.00 0.00 $2,571.15
03/10/23 $2,731.05 -$27.60 0.00 0.00 $2,703.45
03/11/23 $3,147.00 -$12.30 0.00 0.00 $3,134.70
03/12/23 $7,628.25 0.00 0.00 0.00 $7,628.25
03/13/23 $8,150.10 0.00 0.00 0.00 $8,150.10
03/14/23 $2,827.95 0.00 0.00 0.00 $2,827.95
03/15/23 $2,509.35 -$6.15 0.00 0.00 $2,503.20
03/16/23 $1,408.35 0.00 0.00 0.00 $1,408.35
03/17/23 $2,841.00 0.00 0.00 0.00 $2,841.00
03/18/23 $4,216.95 0.00 0.00 0.00 $4,216.95
03/19/23 $6,844.65 0.00 0.00 0.00 $6,844.65
03/20/23 $4,933.95 0.00 0.00 0.00 $4,933.95
03/21/23 $1,411.20 0.00 0.00 0.00 $1,411.20
03/22/23 $3,002.85 0.00 0.00 0.00 $3,002.85
03/23/23 $3,163.20 0.00 0.00 0.00 $3,163.20
03/24/23 $3,892.35 0.00 0.00 0.00 $3,892.35
03/25/23 $4,999.20 0.00 0.00 0.00 $4,999.20
03/26/23 $8,738.85 -$18.15 0.00 0.00 $8,720.70
03/27/23 $7,723.80 0.00 0.00 0.00 $7,723.80
03/28/23 $2,220.75 0.00 0.00 0.00 $2,220.75
03/29/23 $1,838.10 0.00 0.00 0.00 $1,838.10
03/30/23 $1,768.50 0.00 0.00 0.00 $1,768.50
03/31/23 $1,368.90 0.00 0.00 0.00 $1,368.90
YOUR CARD PROCESSING STATEMENT
Merchant Number 982161560882
Customer Service Website - www.businesstrack.com
Phone - 1-877-273-8191
Page 3 of 8
Statement Period 03/01/23 - 03/31/23
PO Box 2394, Omaha, NE 68103-2394
SUMMARY BY DAY
Date
Submitted
Submitted
Amount
Chargebacks/
Reversals Adjustments Fees
Amount
Processed
Month End Charge 0.00 0.00 0.00 -$9,937.16 -$9,937.16
Total $126,152.25 -$82.65 0.00 -$9,937.16 $116,132.44
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 $6.01 6,196 $37,232.40 1 -$6.15 6,197 $37,226.25
VISA $6.07 14,310 $86,863.50 3 -$30.45 14,313 $86,833.05
Discover $5.86 299 $1,751.85 0 0.00 299 $1,751.85
AMEX ACQ $6.32 54 $341.10 0 0.00 54 $341.10
Total 20,859 $126,188.85 4 -$36.60 20,863 $126,152.25
SUMMARY BY LOCATION
Merchant
Number
Submitted
Amount
Chargebacks/
Reversals Adjustments Fees
Amount
Processed
982161560882 $126,152.25 -$82.65 0.00 -$9,937.16 $116,132.44
Total $126,152.25 -$82.65 0.00 -$9,937.16 $116,132.44
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
982161560882 03/06/23 830623864101 Fraud Dispute-Cardholder did not authorize the transaction 5165 -$6.15
982161560882 03/09/23 730673448901 Fraud Dispute-Cardholder did not authorize the transaction 8948 -$6.15
982161560882 03/09/23 830664173901 Fraud Dispute-Cardholder did not authorize the transaction 5784 -$6.15
982161560882 03/10/23 730683104701 Fraud Dispute-Cardholder did not authorize the transaction 0531 -$6.15
982161560882 03/10/23 730683334101 Fraud Dispute-Cardholder did not authorize the transaction 1973 -$3.15
982161560882 03/10/23 730683334201 Fraud Dispute-Cardholder did not authorize the transaction 1973 -$6.15
982161560882 03/10/23 730683176401 Cardholder states transaction was not properly processed 4008 -$12.15
982161560882 03/11/23 830683888401 Fraud Dispute-Cardholder did not authorize the transaction 0557 -$3.15
982161560882 03/11/23 830683888301 Fraud Dispute-Cardholder did not authorize the transaction 0557 -$9.15
982161560882 03/15/23 730733380601 Cardholder states transaction was not properly processed 8424 -$6.15
982161560882 03/26/23 730843636701 Cardholder disputing service/merchandise 6176 -$18.15
TOTAL -$82.65
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
PO Box 2394, Omaha, NE 68103-2394
YOUR CARD PROCESSING STATEMENT
Merchant Number 982161560882
Customer Service Website - www.businesstrack.com
Phone - 1-877-273-8191
Page 4 of 8
Statement Period 03/01/23 - 03/31/23
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-CORP DATA RATE II (US) CORP Interchange charges -$1.32
MC-INT CON RTE 1 DIG-CMCE PREM Interchange charges -$18.78
MC-COMM DATA RATE II BUS (DB)Interchange charges -$18.86
MC-BUS LEVEL 5 DATA RATE II Interchange charges -$11.44
MC-BUS LEVEL 2 DATA RATE II Interchange charges -$4.03
MC-WORLDCARD MERIT I Interchange charges -$74.56
MC-REG CONSMR US MQ (DB)Interchange charges -$0.21
MC-COMML DATA RT II FLT NONFL Interchange charges -$4.12
MC-CORP BUSINESS INTL FLT Interchange charges -$1.12
MC-BUS LEVEL 3 DATA RATE II Interchange charges -$7.72
MC-DOMESTIC MERIT I PREPAID Interchange charges -$2.99
MC-PREM COM STD ACQUSISSCAN Interchange charges -$0.06
MC-MERIT I ELECTRONIC COMMERCE Interchange charges -$20.13
MC-REG CONSM WFRAUD ADJ MC(DB)Interchange charges -$104.99
MC-SM TCKT MPP REG CON KEY DP Interchange charges -$201.47
MC-SM TICKET MPP CON KEY DB PP Interchange charges -$29.79
MC-INT CON RTE 3 BASE SPRM Interchange charges -$0.12
MC-REGULATED FRD ADJ COMM (DB)Interchange charges -$65.64
MC-WORLD ELITE MERIT I Interchange charges -$441.02
MC-INT CON RTE 1 DIG-CMCE CORE Interchange charges -$9.84
MC-HIGH VAL MERIT I Interchange charges -$74.41
MC-MERIT I ECOMM (DB)Interchange charges -$14.33
MC-COMM DATA RATE II BUS (PP)Interchange charges -$0.37
MC-CORP DATA RATE II (US) BUS Interchange charges -$4.75
MASTERCARD ASSESSMENT FEE 0.0013 TIMES $37232.40 Interchange charges -$48.40
MC-INT CON RTE 1 DIG-CMCE SPRM Interchange charges -$3.91
MC-BUS LEVEL 4 DATA RATE II Interchange charges -$7.23
MC-ENHANCED MERIT I Interchange charges -$123.83
MASTERCARD ACCESS FEE 6412 TRANSACTIONS AT 0.034 Interchange charges -$218.01
MC LICENSE VOLUME FEE 0.000217 DISC RATE TIMES $37232.40 Service charges -$8.08
MASTERCARD SALES DISCOUNT 0.005 DISC RATE TIMES $28940.10 Service charges -$144.70
MASTERCARD CREDITS TRANS FEE 1 TRANSACTIONS AT 0.05 Service charges -$0.05
MASTERCARD DEBIT SALES DISC 0.005 DISC RATE TIMES $8292.30 Service charges -$41.46
MC-DECLINE REASON CODE SVC FEE 91 TRANSACTIONS AT 0.02 Fees -$1.82
MC PROC INTEG UNDEF AUTH 1 TRANSACTIONS AT 0.045 Fees -$0.05
MASTERCARD AUTH FEE 6412 TRANSACTIONS AT 0.05 Fees -$320.60
MC-AUTH DIGITAL ENABLEMENT MIN 6332 TRANSACTIONS AT 0.02 Fees -$126.64
VISA
VI INTEGRITY FEE DETAIL REPORT 68 TRANSACTIONS AT .002000 Fees -$0.14
VI-INTER PREM CAN ISS US ACQ Interchange charges -$7.71
VI-INTREG STANDARD (US)Interchange charges -$13.97
VI-BUSINESS CARD TR3 LEVEL 2 Interchange charges -$15.94
VI-ECOMM BASIC P1 REWARDS Interchange charges -$104.44
VI-NON QUAL CONSUMER CR Interchange charges -$228.50
VI-ECOMM BASIC P1 TRAD Interchange charges -$58.98
VI-REG CONSUMER MQ (DB)Interchange charges -$1,214.99
VI-CORPORATE CARD LEVEL 2 Interchange charges -$3.81
VI-PURCHASING CARD LEVEL 2 Interchange charges -$2.69
VI-EIRF NON CPS ALL OTHER (DB)Interchange charges -$92.93
VI-NON QUAL BUS DB Interchange charges -$0.76
VI-US REG NON CPS COMM (DB)Interchange charges -$16.95
VI-INTER PREM EU ISS US ACQ Interchange charges -$0.11
VI-INTER PREM CEMEA ISS US ACQ Interchange charges -$1.06
VI-ECOMM BSC P1 SIG INF SNQ Interchange charges -$219.35
VI-BUSINESS CARD CNP (DB)Interchange charges -$3.04
VI-US REGULATED COMM (DB)Interchange charges -$89.23
VI-BUSINESS CARD TR4 LEVEL 2 Interchange charges -$14.06
YOUR CARD PROCESSING STATEMENT
Merchant Number 982161560882
Customer Service Website - www.businesstrack.com
Phone - 1-877-273-8191
Page 5 of 8
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.
VI-ECOMM BSC P1 SIG PRF INFSQ Interchange charges -$523.67
VI-US REGULATED NON-CPS (DB)Interchange charges -$417.00
VI-INTER PREM AP ISS US ACQ Interchange charges -$0.06
VI-NON-QUAL BUS PURCH (PP)Interchange charges -$0.19
VI-EIRF NON CPS ALL OTHER (PP)Interchange charges -$25.26
VI-INTREG BUS/CORP/PURCH (US)Interchange charges -$2.44
VISA ACCESS FEE 14737 TRANSACTIONS AT 0.034 Interchange charges -$501.06
VI-CPS/ECOMM-BASIC (PP)Interchange charges -$63.06
VI-US BUS TR5 LVL2 Interchange charges -$7.39
VI-CPS/ECOMM-BASIC (DB)Interchange charges -$146.39
VI-NON QUAL BUS CR Interchange charges -$13.59
VI-INTERG SPREM CAN ISS US ACQ Interchange charges -$4.29
VI-SUPER PREMIUM EU ISS US ACQ Interchange charges -$2.14
VI-SUPER PREMIUM LAC ISS US AC Interchange charges -$0.91
VISA ASSESSMENT FEE CR 0.0014 TIMES $31398.75 Interchange charges -$43.96
VISA ASSESSMENT FEE DB 0.0013 TIMES $55464.75 Interchange charges -$72.10
VI-BUSINESS CARD TR2 LEVEL 2 Interchange charges -$15.85
VI-SUPER PREMIUM AP ISS US ACQ Interchange charges -$0.12
VI-BUSINESS CARD TR1 LEVEL 2 Interchange charges -$8.63
VI-IR REGULATED (DB)Interchange charges -$1.33
VI-BUS PURCH CNP (PP)Interchange charges -$0.63
VI-INTER PREM LAC ISS US ACQ Interchange charges -$0.61
VI DEBIT RETURNS TRANS FEE 2 TRANSACTIONS AT 0.05 Service charges -$0.10
VISA DEBIT SALES DISCOUNT 0.005 DISC RATE TIMES $55464.75 Service charges -$277.32
VISA SALES DISCOUNT 0.005 DISC RATE TIMES $31398.75 Service charges -$156.99
VISA CREDITS TRANS FEE 1 TRANSACTIONS AT 0.05 Service charges -$0.05
VI-ADDRESS VER SVC FEE 11330 TRANSACTIONS AT 0.001 Fees -$11.33
VISA AUTH FEE 14737 TRANSACTIONS AT 0.05 Fees -$736.85
VI NEVER APPROVE REATTEMPT FEE 41 TRANSACTIONS AT 0.1 Fees -$4.10
VISA MISUSE OF AUTH FEE 2 TRANSACTIONS AT 0.09 Fees -$0.18
DISCOVER
DSCVR PSLECOMMERCE(PREM)Interchange charges -$2.22
DISCOVER ACCESS FEE 299 TRANSACTIONS AT 0.034 Interchange charges -$10.17
DSCVR PSLMICROTICKET(DB)Interchange charges -$0.11
DSCVR BASE SUB LVL PR Interchange charges -$0.85
DISCOVER ASSESSMENT FEE 0.0014 TIMES $1751.85 Interchange charges -$2.45
DSCVR PSLMICROTICKET(PREM)Interchange charges -$0.19
DSCVR PSLECOMMERCE(RW)Interchange charges -$5.17
DSCVR BASE SUB LVL RW Interchange charges -$36.25
DSCVR PSLECOMMERCE(DB)Interchange charges -$1.95
DSCVR COMML ELECT OTHER Interchange charges -$13.01
DSCVR-PSLMICROTICKET(RW)Interchange charges -$6.39
DSCVR PSLECOMMERCE(PPLUS)Interchange charges -$0.84
DISCOVER DEBIT SALES DISCOUNT 0.005 DISC RATE TIMES $49.20 Service charges -$0.25
DISCOVER SALES DISCOUNT 0.005 DISC RATE TIMES $1702.65 Service charges -$8.51
ADDRS VERIFICATION SERVICE FEE 97 TRANSACTIONS AT 0.005 Fees -$0.49
DISCOVER AUTH FEE 309 TRANSACTIONS AT 0.05 Fees -$15.45
AMERICAN EXPRESS
AMEX AUTH FEE 54 TRANSACTIONS AT 0.25 Fees -$13.50
AMEX ACQ
AXP SVCS NONSWIPE T0 Interchange charges -$6.49
AMEX ASSESSMENT FEE 0.00165 TIMES $341.10 Interchange charges -$0.56
AXP SVCS NONSWIPE T1 Interchange charges -$0.79
AXP ACQUIRER TRANS FEE 54 TRANSACTIONS AT 0.02 Interchange charges -$1.08
AXP SVCS NONSWIPE MICRO Interchange charges -$1.39
Other
CLOVER SECURITY PLUS MONTHLY Service charges -$19.95
DIGITAL INVESTMENT FEE $1751.85 AT0.0001 Service charges -$0.18
PO Box 2394, Omaha, NE 68103-2394
YOUR CARD PROCESSING STATEMENT
Merchant Number 982161560882
Customer Service Website - www.businesstrack.com
Phone - 1-877-273-8191
Page 6 of 8
Statement Period 03/01/23 - 03/31/23
FEES Amount charged to authorize, process and settle card transactions, along with transaction-based and/or fixed amounts charged for specific card processing
services.
MONTHLY ADVANTAGE FEE AMDS 0.0003 TIMES $2092.95 Service charges -$0.63
MONTHLY ADVANTAGE FEE MCVDB 0.0003 TIMES $124095.90 Service charges -$37.23
AMEX SALES DISCOUNT 0.0055 DISC RATE TIMES $341.10 Service charges -$1.88
VI COMM CARD I/C SAVINGS ADJ 0.5 DISC RATE TIMES $12.70 Service charges -$6.35
VI BASE II CR VCHER FEE US D/P 2 TRANSACTIONS AT 0.0155 Service charges -$0.03
VI BASE II CR VCHER FEE US CR 1 TRANSACTIONS AT 0.0195 Service charges -$0.02
VI BASE II SYSTEM FILE FEE 14317 TRANSACTIONS AT 0.0018 Service charges -$25.77
MC COMM CARD I/C SAVINGS ADJ 0.5 DISC RATE TIMES $9.56 Service charges -$4.78
AVS WATS AUTHORIZATION FEE 16283 TRANSACTIONS AT 0.1 Fees -$1,628.30
TOTAL TRANSACTION FEES -$9,136.34
ACCOUNT FEES Type Amount
VISA NETWORK FEE CNP 2-07 Fees -$30.51
MC MONTHLY LOCATION FEE Fees -$0.62
VISA INTL SERVICE FEE - BASE 0 TRANS TOTALING $1927.95 Fees -$19.28
VISA ZERO FLOOR LIMIT FEE 1 TRANSACTIONS AT 0.2 Fees -$0.20
MC GLOBAL ACQUIRER FEE 0 TRANS TOTALING $1892.40 Fees -$16.08
VS INTL ACQUIRER FEE 0 TRANS TOTALING $1927.95 Fees -$8.67
DS PGRM INTEGRITY FEE BASE SUB 108 TRANSACTIONS AT 0.05 Fees -$5.40
VI TRANSACTION INTEGRITY FEE 3188 TRANSACTIONS AT 0.1 Fees -$318.80
US CROSS BORDER FEE 0 TRANS TOTALING $1876.95 Fees -$11.26
INCOMING CHARGEBACKS ALL 13 TRANSACTIONS AT 30 Fees -$390.00
TOTAL ACCOUNT FEES -$800.82
TOTAL -$9,937.16
Total Interchange Charges -$5,542.56
Total Service Charges -$734.33
Total Fees -$3,660.27
Total (Service Charges, Interchange Charges, and Fees)-$9,937.16
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-MERIT I ECOMM (DB)$468.60 1%44 1%0.0165 $0.150 -$14.33
MC-REG CONSM WFRAUD ADJ MC(DB)$5,355.75 14%465 8%0.0005 $0.220 -$104.99
MC-COMML DATA RT II FLT NONFL $92.70 0%18 0%0.0250 $0.100 -$4.12
MC-REG CONSMR US MQ (DB)$9.15 0%1 0%0.0005 $0.210 -$0.21
MC-COMM DATA RATE II BUS (DB)$469.50 1%90 1%0.0210 $0.100 -$18.86
MC-BUS LEVEL 3 DATA RATE II $191.55 1%37 1%0.0210 $0.100 -$7.72
MC-MERIT I ELECTRONIC COMMERCE $545.25 1%95 2%0.0195 $0.100 -$20.13
MC-REGULATED FRD ADJ COMM (DB)$1,910.10 5%294 5%0.0005 $0.220 -$65.64
MC-SM TCKT MPP REG CON KEY DP $7,219.95 19%1,573 25%0.0170 $0.050 -$201.47
MC-BUS LEVEL 4 DATA RATE II $187.65 1%31 1%0.0220 $0.100 -$7.23
MC-PREM COM STD ACQUSISSCAN $3.15 0%1 0%0.0200 0.000 -$0.06
MC-HIGH VAL MERIT I $1,692.60 5%304 5%0.0260 $0.100 -$74.41
MC-INT CON RTE 1 DIG-CMCE SPRM $197.55 1%37 1%0.0198 0.000 -$3.91
MC-INT CON RTE 1 DIG-CMCE CORE $614.85 2%99 2%0.0160 0.000 -$9.84
MC-WORLDCARD MERIT I $1,871.10 5%334 5%0.0220 $0.100 -$74.56
MC-CORP DATA RATE II (US) CORP $36.60 0%4 0%0.0250 $0.100 -$1.32
MC-ENHANCED MERIT I $3,376.35 9%529 9%0.0210 $0.100 -$123.83
MC-CONSUMER CREDIT REFUND 4 -$6.15 0%1 0%0.0000 0.000 0.00
MC-WORLD ELITE MERIT I $10,231.50 27%1,750 28%0.0260 $0.100 -$441.02
YOUR CARD PROCESSING STATEMENT
Merchant Number 982161560882
Customer Service Website - www.businesstrack.com
Phone - 1-877-273-8191
Page 7 of 8
Statement Period 03/01/23 - 03/31/23
PO Box 2394, Omaha, NE 68103-2394
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
MC-BUS LEVEL 2 DATA RATE II $99.00 0%20 0%0.0205 $0.100 -$4.03
MC-INT CON RTE 1 DIG-CMCE PREM $1,014.75 3%145 2%0.0185 0.000 -$18.78
MC-BUS LEVEL 5 DATA RATE II $295.20 1%48 1%0.0225 $0.100 -$11.44
MC-INT CON RTE 3 BASE SPRM $6.15 0%1 0%0.0198 0.000 -$0.12
MC-DOMESTIC MERIT I PREPAID $79.20 0%8 0%0.0176 $0.200 -$2.99
MC-CORP BUSINESS INTL FLT $55.95 0%13 0%0.0200 0.000 -$1.12
MC-SM TICKET MPP CON KEY DB PP $1,078.35 3%229 4%0.0170 $0.050 -$29.79
MC-COMM DATA RATE II BUS (PP)$6.30 0%2 0%0.0265 $0.100 -$0.37
MC-CORP DATA RATE II (US) BUS $123.60 0%24 0%0.0190 $0.100 -$4.75
MASTERCARD TOTAL $37,226.25 6,197 -$1,247.04
VISA
VI-BUSINESS CARD TR1 LEVEL 2 $248.85 0%39 0%0.0190 $0.100 -$8.63
VI-INTERG SPREM CAN ISS US ACQ $217.50 0%30 0%0.0197 0.000 -$4.29
VI-IR REGULATED (DB)$24.90 0%6 0%0.0005 $0.220 -$1.33
VI-INTER PREM AP ISS US ACQ $3.15 0%1 0%0.0180 0.000 -$0.06
VI-SUPER PREMIUM EU ISS US ACQ $108.45 0%23 0%0.0197 0.000 -$2.14
VI-US REG NON CPS COMM (DB)$446.40 1%76 1%0.0005 $0.220 -$16.95
VI-ECOMM BSC P1 SIG INF SNQ $5,825.85 7%999 7%0.0205 $0.100 -$219.35
VI-US BUS TR5 LVL2 $190.65 0%31 0%0.0225 $0.100 -$7.39
VI-EIRF NON CPS ALL OTHER (PP)$447.90 1%86 1%0.0180 $0.200 -$25.26
VI-INTER PREM CAN ISS US ACQ $428.10 0%74 1%0.0180 0.000 -$7.71
VI-EIRF NON CPS ALL OTHER (DB)$1,744.80 2%312 2%0.0175 $0.200 -$92.93
VI-INTER PREM CEMEA ISS US ACQ $58.80 0%12 0%0.0180 0.000 -$1.06
VI-CRVCHR DEBIT CARD (DB)-$27.30 0%2 0%0.0000 0.000 0.00
VI-INTREG STANDARD (US)$873.00 1%140 1%0.0160 0.000 -$13.97
VI-INTER PREM EU ISS US ACQ $6.15 0%1 0%0.0180 0.000 -$0.11
VI-ECOMM BSC P1 SIG PRF INFSQ $12,502.50 14%2,110 15%0.0250 $0.100 -$523.67
VI-SUPER PREMIUM LAC ISS US AC $46.05 0%7 0%0.0197 0.000 -$0.91
VI-ECOMM BASIC P1 REWARDS $2,795.10 3%474 3%0.0204 $0.100 -$104.44
VI-US REGULATED COMM (DB)$2,445.00 3%400 3%0.0005 $0.220 -$89.23
VI-SUPER PREMIUM AP ISS US ACQ $6.15 0%1 0%0.0197 0.000 -$0.12
VI-NON-QUAL BUS PURCH (PP)$3.15 0%1 0%0.0295 $0.100 -$0.19
VI-INTER PREM LAC ISS US ACQ $33.90 0%6 0%0.0180 0.000 -$0.61
VI-CPS/ECOMM-BASIC (PP)$1,260.75 1%205 1%0.0175 $0.200 -$63.06
VI-BUSINESS CARD TR4 LEVEL 2 $389.25 0%55 0%0.0220 $0.100 -$14.06
VI-US REGULATED NON-CPS (DB)$11,545.35 13%1,869 13%0.0005 $0.220 -$417.00
VI-NON QUAL BUS CR $209.25 0%35 0%0.0315 $0.200 -$13.59
VI-BUS PURCH CNP (PP)$12.45 0%3 0%0.0265 $0.100 -$0.63
VI-ECOMM BASIC P1 TRAD $1,655.55 2%277 2%0.0189 $0.100 -$58.98
VI-BUSINESS CARD TR3 LEVEL 2 $415.80 0%72 1%0.0210 $0.100 -$15.94
VI-BUSINESS CARD CNP (DB)$70.95 0%13 0%0.0245 $0.100 -$3.04
VI-CORPORATE CARD LEVEL 2 $92.25 0%15 0%0.0250 $0.100 -$3.81
VI-REG CONSUMER MQ (DB)$33,903.75 39%5,445 38%0.0005 $0.220 -$1,214.99
VI-BUSINESS CARD TR2 LEVEL 2 $407.25 0%75 1%0.0205 $0.100 -$15.85
VI-NON QUAL CONSUMER CR $4,695.90 5%806 6%0.0315 $0.100 -$228.50
VI-NON QUAL BUS DB $15.45 0%3 0%0.0295 $0.100 -$0.76
VI-CONS NON-PASS TRANS CREDIT -$3.15 0%1 0%0.0000 0.000 0.00
VI-PURCHASING CARD LEVEL 2 $67.50 0%10 0%0.0250 $0.100 -$2.69
VI-CPS/ECOMM-BASIC (DB)$3,543.90 4%586 4%0.0165 $0.150 -$146.39
VI-INTREG BUS/CORP/PURCH (US)$121.80 0%12 0%0.0200 0.000 -$2.44
VISA TOTAL $86,833.05 14,313 -$3,322.08
DISCOVER
DSCVR PSLECOMMERCE(PREM)$64.35 4%9 3%0.0205 $0.100 -$2.22
DSCVR-PSLMICROTICKET(RW)$327.60 19%104 35%0.0195 0.000 -$6.39
DSCVR PSLMICROTICKET(DB)$6.30 0%2 1%0.0180 0.000 -$0.11
PO Box 2394, Omaha, NE 68103-2394
YOUR CARD PROCESSING STATEMENT
Merchant Number 982161560882
Customer Service Website - www.businesstrack.com
Phone - 1-877-273-8191
Page 8 of 8
Statement Period 03/01/23 - 03/31/23
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
DSCVR PSLECOMMERCE(PPLUS)$21.45 1%3 1%0.0250 $0.100 -$0.84
DSCVR PSLMICROTICKET(PREM)$9.45 1%3 1%0.0197 0.000 -$0.19
DSCVR PSLECOMMERCE(DB)$42.90 2%6 2%0.0175 $0.200 -$1.95
DSCVR PSLECOMMERCE(RW)$156.00 9%20 7%0.0203 $0.100 -$5.17
DSCVR BASE SUB LVL RW $840.90 48%106 35%0.0305 $0.100 -$36.25
DSCVR BASE SUB LVL PR $21.30 1%2 1%0.0305 $0.100 -$0.85
DSCVR COMML ELECT OTHER $261.60 15%44 15%0.0245 $0.150 -$13.01
DISCOVER TOTAL $1,751.85 299 -$66.98
AMEX ACQ
AXP SVCS NONSWIPE T0 $263.55 77%37 69%0.0190 $0.040 -$6.49
AXP SVCS NONSWIPE T1 $30.30 9%2 4%0.0195 $0.100 -$0.79
AXP SVCS NONSWIPE MICRO $47.25 14%15 28%0.0230 $0.020 -$1.39
AMEX ACQ TOTAL $341.10 54 -$8.67
TOTAL $126,152.25 20,863 -$4,644.77
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"