HomeMy WebLinkAboutInv# April2023MRN - FIRST DATA - 04/30/20232023 Truist Financial Corporation. Truist, Truist Purple, and the Truist logo are service marks of Truist Financial Corporation. Merchant Services are provided by Truist Bank.
YOUR CARD PROCESSING STATEMENT
Page 1 of 6 THIS IS NOT A BILL
Statement Period 04/01/23 - 04/30/23
Merchant Number 276213112887
Customer Service Website -
Phone - 1-800-432-7628
DANIA BEACH MARINA
ADAM SEGAL
151 N BEACH RD
DANIA BEACH FL 33004-3023
PO Box 2394, Omaha, NE 68103-2394
SUMMARY An overview of account activity for the statement period.
Total Amount Submitted $129,440.80
Chargebacks/Reversals 0.00
Adjustments 0.00
Fees -$3,511.42
Total Amount Processed $125,929.38
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IMPORTANT INFORMATION ABOUT YOUR ACCOUNT
Important Information: As previously communicated in September, your SunTrust Merchant Services account statement(s) was
rebranded to reflect our new name, Truist Merchant Services. There was no change to the Merchant Customer Support number
800-432-7628. In February, additional changes occurred to transition your account from SunTrust Merchant Services to Truist Bank.
The terms and conditions of your merchant agreement remain in effect. The processor in the agreement shall be Truist Bank instead of
SunTrust Merchant Services. The address for notices is now Truist Bank at: Truist Bank P.O. Box 200 Wilson, North Carolina 27894
Attn.: Merchant Services Division Manager. Effective March 14th, your merchant ACH deposit description changed from "SUNTRUST
MERCHANT" to "TRUIST MERCH SVC." Thank you for allowing Truist to be your Merchant Services provider.
2023 Truist Financial Corporation. Truist, Truist Purple, and the Truist logo are service marks of Truist Financial Corporation. Merchant Services are provided by Truist Bank.
YOUR CARD PROCESSING STATEMENT
Merchant Number 276213112887
Customer Service Website -
Phone - 1-800-432-7628
Page 2 of 6
Statement Period 04/01/23 - 04/30/23
IMPORTANT INFORMATION ABOUT YOUR ACCOUNT
IMPORTANT INFORMATION: Recently, the Card Brand & Debit Network Organizations announced several operational and interchange
program & rate changes. Please reference 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
03/31/23 $4,661.80 0.00 0.00 0.00 $4,661.80
04/01/23 $6,040.75 0.00 0.00 0.00 $6,040.75
04/03/23 $1,400.00 0.00 0.00 0.00 $1,400.00
04/04/23 $1,500.00 0.00 0.00 0.00 $1,500.00
04/05/23 $9,244.99 0.00 0.00 0.00 $9,244.99
04/06/23 $1,305.58 0.00 0.00 0.00 $1,305.58
04/07/23 $625.95 0.00 0.00 0.00 $625.95
04/08/23 $321.00 0.00 0.00 0.00 $321.00
04/10/23 $4,646.13 0.00 0.00 0.00 $4,646.13
04/11/23 $1,339.64 0.00 0.00 0.00 $1,339.64
04/12/23 $1,775.28 0.00 0.00 0.00 $1,775.28
04/13/23 $2,160.51 0.00 0.00 0.00 $2,160.51
04/14/23 $56,657.15 0.00 0.00 0.00 $56,657.15
04/15/23 $2,040.71 0.00 0.00 0.00 $2,040.71
04/18/23 $4,740.89 0.00 0.00 0.00 $4,740.89
04/19/23 $1,412.56 0.00 0.00 0.00 $1,412.56
04/20/23 $7,002.76 0.00 0.00 0.00 $7,002.76
04/21/23 $1,706.20 0.00 0.00 0.00 $1,706.20
04/24/23 $1,388.86 0.00 0.00 0.00 $1,388.86
04/25/23 $2,585.12 0.00 0.00 0.00 $2,585.12
04/26/23 $6,021.00 0.00 0.00 0.00 $6,021.00
04/27/23 $963.00 0.00 0.00 0.00 $963.00
04/28/23 $5,976.06 0.00 0.00 0.00 $5,976.06
04/29/23 $3,924.86 0.00 0.00 0.00 $3,924.86
Month End Charge 0.00 0.00 0.00 -$3,511.42 -$3,511.42
Total $129,440.80 0.00 0.00 -$3,511.42 $125,929.38
YOUR CARD PROCESSING STATEMENT
Merchant Number 276213112887
Customer Service Website -
Phone - 1-800-432-7628
Page 3 of 6
Statement Period 04/01/23 - 04/30/23
2023 Truist Financial Corporation. Truist, Truist Purple, and the Truist logo are service marks of Truist Financial Corporation. Merchant Services are provided by Truist Bank.
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 $1,244.49 28 $34,845.61 0 0.00 28 $34,845.61
VISA $1,370.94 69 $94,595.19 0 0.00 69 $94,595.19
Total 97 $129,440.80 0 0.00 97 $129,440.80
SUMMARY BY BATCH
Total Gross Sales You Submitted Refunds Total Amount You Submitted
Batch Submit Date Average
Ticket Items Amount Items Amount Items Amount
003033106690 03/31/23 $1,000.00 1 $1,000.00 0 0.00 1 $1,000.00
910785310016 03/31/23 $610.30 6 $3,661.80 0 0.00 6 $3,661.80
910785010017 04/01/23 $1,510.19 4 $6,040.75 0 0.00 4 $6,040.75
003040306320 04/03/23 $1,400.00 1 $1,400.00 0 0.00 1 $1,400.00
910785040018 04/04/23 $1,500.00 1 $1,500.00 0 0.00 1 $1,500.00
910785050019 04/05/23 $1,849.00 5 $9,244.99 0 0.00 5 $9,244.99
003040606620 04/06/23 $1,305.58 1 $1,305.58 0 0.00 1 $1,305.58
910785070020 04/07/23 $312.98 2 $625.95 0 0.00 2 $625.95
910785080021 04/08/23 $321.00 1 $321.00 0 0.00 1 $321.00
003041005950 04/10/23 $4,146.13 1 $4,146.13 0 0.00 1 $4,146.13
910785100022 04/10/23 $500.00 1 $500.00 0 0.00 1 $500.00
910785110023 04/11/23 $1,339.64 1 $1,339.64 0 0.00 1 $1,339.64
003041206530 04/12/23 $887.64 2 $1,775.28 0 0.00 2 $1,775.28
003041308140 04/13/23 $2,160.51 1 $2,160.51 0 0.00 1 $2,160.51
003041406520 04/14/23 $1,351.32 40 $54,052.64 0 0.00 40 $54,052.64
003041408180 04/14/23 $2,604.51 1 $2,604.51 0 0.00 1 $2,604.51
910785150024 04/15/23 $680.24 3 $2,040.71 0 0.00 3 $2,040.71
910785180025 04/18/23 $948.18 5 $4,740.89 0 0.00 5 $4,740.89
910785190026 04/19/23 $706.28 2 $1,412.56 0 0.00 2 $1,412.56
910785200027 04/20/23 $1,400.55 5 $7,002.76 0 0.00 5 $7,002.76
003042108090 04/21/23 $1,000.00 1 $1,000.00 0 0.00 1 $1,000.00
910785210028 04/21/23 $706.20 1 $706.20 0 0.00 1 $706.20
003042406190 04/24/23 $1,292.56 1 $1,292.56 0 0.00 1 $1,292.56
910785240029 04/24/23 $96.30 1 $96.30 0 0.00 1 $96.30
910785250030 04/25/23 $2,585.12 1 $2,585.12 0 0.00 1 $2,585.12
003042606130 04/26/23 $1,380.60 1 $1,380.60 0 0.00 1 $1,380.60
910785260031 04/26/23 $1,546.80 3 $4,640.40 0 0.00 3 $4,640.40
910785270032 04/27/23 $963.00 1 $963.00 0 0.00 1 $963.00
003042806670 04/28/23 $5,976.06 1 $5,976.06 0 0.00 1 $5,976.06
910785290033 04/29/23 $1,962.43 2 $3,924.86 0 0.00 2 $3,924.86
Total 97 $129,440.80 0 0.00 97 $129,440.80
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
2023 Truist Financial Corporation. Truist, Truist Purple, and the Truist logo are service marks of Truist Financial Corporation. Merchant Services are provided by Truist Bank.
YOUR CARD PROCESSING STATEMENT
Merchant Number 276213112887
Customer Service Website -
Phone - 1-800-432-7628
Page 4 of 6
Statement Period 04/01/23 - 04/30/23
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
MC-HIGH VAL MERIT III BASE Interchange charges -$59.56
MASTERCARD ACCESS FEE 37 TRANSACTIONS AT 0.034 Interchange charges -$1.26
MC-DOMESTIC MERIT III Interchange charges -$10.21
MC-WORLDCARD MERIT I Interchange charges -$61.43
MC ASSESSMNT TRAN AMT >=$1K 0 X TRNS $29102.19 Interchange charges -$2.91
MC-BUS LEVEL 5 DR II PETRO Interchange charges -$27.78
MC-HIGH VAL MERIT I Interchange charges -$137.89
MC-REG INCENT FRF ADJ POS (DB)Interchange charges -$2.92
MC-WORLD ELITE MERIT I Interchange charges -$349.80
MC-DOMESTIC MERIT I Interchange charges -$25.30
MASTERCARD ASSESSMENT FEE 0.0013 TIMES $34845.61 Interchange charges -$45.30
MC-WORLD ELITE MERIT III Interchange charges -$69.34
MC-CORP BUSINESS INTL FLT Interchange charges -$6.42
MC-REG CONSM WFRAUD ADJ MC(DB)Interchange charges -$0.34
MASTERCARD SALES DISCOUNT 0.0075 DISC RATE TIMES $30533.30 Service charges -$229.00
MASTERCARD DEBIT SALES DISC 0.0075 DISC RATE TIMES $4312.31 Service charges -$32.34
MC LICENSE VOLUME FEE 0.000217 DISC RATE TIMES $34845.61 Service charges -$7.56
M/C INTERNET AUTH FEE 22 TRANSACTIONS AT 0.05 Fees -$1.10
MASTERCARD AUTH FEE 37 TRANSACTIONS AT 0.1 Fees -$3.70
MC-AUTH DIGITAL ENABLEMENT MAX 20 TRANSACTIONS AT 0.2 Fees -$4.00
VISA
VI CVV2 RESULT M OR N FEE 48 TRANSACTIONS AT .002500 Fees -$0.12
VI-BUSINESS CARD CP (DB)Interchange charges -$10.74
VI-CPS/RETAIL ALL OTHER (DB)Interchange charges -$10.87
VI-US BUS TR2 PRD 2 Interchange charges -$37.11
VI-US REGULATED COMM (DB)Interchange charges -$5.61
VI-INTER PREM CAN ISS US ACQ Interchange charges -$48.08
VI-CNP P1 SIGN PREFERRED Interchange charges -$64.67
VISA ASSESSMENT FEE CR 0.0014 TIMES $45418.96 Interchange charges -$63.59
VI-NON QUAL CONSUMER CR Interchange charges -$788.16
VI-US REGULATED NON-CPS (DB)Interchange charges -$5.16
VISA ACCESS FEE 81 TRANSACTIONS AT 0.034 Interchange charges -$2.75
VI-US REG NON CPS COMM (DB)Interchange charges -$3.93
VI-US BUS TR2 PRD 1 Interchange charges -$38.63
VI-NON QUAL BUS CR Interchange charges -$211.41
VI-REG CONSUMER MQ (DB)Interchange charges -$4.45
VI-ELECTRONIC (US ACQ)Interchange charges -$7.94
VISA ASSESSMENT FEE DB 0.0013 TIMES $49176.23 Interchange charges -$63.93
VI-INTREG BUS/CORP/PURCH (US)Interchange charges -$26.81
VI-US BUS TR5 PRD 2 Interchange charges -$30.24
VI-US REGULATED (DB)Interchange charges -$11.50
VI-RETAIL P2 SIGN PREFERRED Interchange charges -$41.14
VISA DEBIT SALES DISCOUNT 0.0075 DISC RATE TIMES $49176.23 Service charges -$368.82
VISA SALES DISCOUNT 0.0075 DISC RATE TIMES $45418.96 Service charges -$340.64
VISA AUTH FEE 81 TRANSACTIONS AT 0.1 Fees -$8.10
VI NEVER APPROVE REATTEMPT FEE 1 TRANSACTIONS AT 0.1 Fees -$0.10
VISA INTERNET AUTH FEE 48 TRANSACTIONS AT 0.05 Fees -$2.40
YOUR CARD PROCESSING STATEMENT
Merchant Number 276213112887
Customer Service Website -
Phone - 1-800-432-7628
Page 5 of 6
Statement Period 04/01/23 - 04/30/23
2023 Truist Financial Corporation. Truist, Truist Purple, and the Truist logo are service marks of Truist Financial Corporation. Merchant Services are provided by Truist Bank.
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-ADDRESS VER SVC FEE 9 TRANSACTIONS AT 0.001 Fees -$0.01
Other
MONTHLY ADVANTAGE FEE MCVDB 0.0003 TIMES $129440.80 Service charges -$38.83
MC-AUTH DIGITAL ENABLEMENT FEE $1075.76 AT0.0002 Fees -$0.22
BATCH SETTLEMENT FEE 30 TRANSACTIONS AT 0.39 Fees -$11.70
AVS 950 CALL AUTHORIZATION FEE 4 TRANSACTIONS AT 0.1 Fees -$0.40
TRANSARMOR TOKEN ONLY 70 TRANSACTIONS AT 0.02 Fees -$1.40
INTERNET AVS AUTH FEE 15 TRANSACTIONS AT 0.05 Fees -$0.75
TOTAL TRANSACTION FEES -$3,328.37
ACCOUNT FEES Type Amount
TRANSARMOR MONTHLY FEE Fees -$19.95
VISA NETWORK FEE CNP 2-06 Fees -$45.00
PAYEEZY MONTHLY FEE Fees -$19.95
VISA NETWORK FEE CP 1B-01 Fees -$2.00
US CROSS BORDER FEE 0 TRANS TOTALING $321.00 Fees -$1.93
NON RECEIPT OF PCI VALIDATION 1 TRANSACTIONS AT 19.95 Fees -$19.95
VISA INTL SERVICE FEE - BASE 0 TRANS TOTALING $4734.10 Fees -$47.34
MC GLOBAL ACQUIRER FEE 0 TRANS TOTALING $321.00 Fees -$2.73
VI TRANSACTION INTEGRITY FEE 29 TRANSACTIONS AT 0.1 Fees -$2.90
VS INTL ACQUIRER FEE 0 TRANS TOTALING $4734.10 Fees -$21.30
TOTAL ACCOUNT FEES -$183.05
TOTAL -$3,511.42
Total Interchange Charges/Program Fees -$2,277.18
Total Service Charges -$1,017.19
Total Fees -$217.05
Total (Service Charges, Interchange Charges/Program Fees, and Fees)-$3,511.42
INTERCHANGE CHARGES/PROGRAM FEESThese are the variable fees charged by Card Organizations for processing transactions. The Interchange /
Program charges in this section are also reflected in the Fee section of the statement.
Interchange/Program Total
Product/Description
Sales
Total
% Of
Sales
Number of
Transactions
% of Total
Transactions Rate
Cost Per
Transaction Sub Total
Interchange/Program
Charges
MASTERCARD
MC-CORP BUSINESS INTL FLT $321.00 1%1 4%0.0200 0.000 -$6.42
MC-DOMESTIC MERIT III $612.56 2%1 4%0.0165 $0.100 -$10.21
MC-HIGH VAL MERIT I $5,291.84 15%3 11%0.0260 $0.100 -$137.89
MC-REG CONSM WFRAUD ADJ MC(DB)$240.75 1%1 4%0.0005 $0.220 -$0.34
MC-REG INCENT FRF ADJ POS (DB)$4,071.56 12%4 14%0.0005 $0.220 -$2.92
MC-BUS LEVEL 5 DR II PETRO $1,230.22 4%1 4%0.0225 $0.100 -$27.78
MC-WORLDCARD MERIT I $2,783.32 8%2 7%0.0220 $0.100 -$61.43
MC-HIGH VAL MERIT III BASE $2,585.12 7%1 4%0.0230 $0.100 -$59.56
MC-DOMESTIC MERIT I $1,292.56 4%1 4%0.0195 $0.100 -$25.30
MC-WORLD ELITE MERIT III $2,997.55 9%4 14%0.0230 $0.100 -$69.34
MC-WORLD ELITE MERIT I $13,419.13 39%9 32%0.0260 $0.100 -$349.80
MASTERCARD TOTAL $34,845.61 28 -$750.99
VISA
VI-US BUS TR2 PRD 1 $1,376.22 1%1 1%0.0280 $0.100 -$38.63
VI-CNP P1 SIGN PREFERRED $2,578.82 3%2 3%0.0250 $0.100 -$64.67
VI-REG CONSUMER MQ (DB)$7,131.25 8%4 6%0.0005 $0.220 -$4.45
VI-US REG NON CPS COMM (DB)$6,095.52 6%4 6%0.0005 $0.220 -$3.93
VI-NON QUAL CONSUMER CR $24,973.30 26%15 22%0.0315 $0.100 -$788.16
2023 Truist Financial Corporation. Truist, Truist Purple, and the Truist logo are service marks of Truist Financial Corporation. Merchant Services are provided by Truist Bank.
YOUR CARD PROCESSING STATEMENT
Merchant Number 276213112887
Customer Service Website -
Phone - 1-800-432-7628
Page 6 of 6
Statement Period 04/01/23 - 04/30/23
INTERCHANGE CHARGES/PROGRAM FEESThese are the variable fees charged by Card Organizations for processing transactions. The Interchange /
Program charges in this section are also reflected in the Fee section of the statement.
Interchange/Program Total
Product/Description
Sales
Total
% Of
Sales
Number of
Transactions
% of Total
Transactions Rate
Cost Per
Transaction Sub Total
Interchange/Program
Charges
VI-ELECTRONIC (US ACQ)$722.25 1%1 1%0.0110 0.000 -$7.94
VI-CPS/RETAIL ALL OTHER (DB)$1,339.64 1%1 1%0.0080 $0.150 -$10.87
VI-NON QUAL BUS CR $6,685.96 7%4 6%0.0315 $0.200 -$211.41
VI-US BUS TR2 PRD 2 $1,795.46 2%3 4%0.0205 $0.100 -$37.11
VI-US REGULATED (DB)$17,712.49 19%12 17%0.0005 $0.220 -$11.50
VI-US BUS TR5 PRD 2 $1,339.74 1%1 1%0.0225 $0.100 -$30.24
VI-INTREG BUS/CORP/PURCH (US)$1,340.63 1%1 1%0.0200 0.000 -$26.81
VI-RETAIL P2 SIGN PREFERRED $1,935.36 2%5 7%0.0210 $0.100 -$41.14
VI-BUSINESS CARD CP (DB)$625.95 1%1 1%0.0170 $0.100 -$10.74
VI-US REGULATED COMM (DB)$8,584.70 9%6 9%0.0005 $0.220 -$5.61
VI-INTER PREM CAN ISS US ACQ $2,671.22 3%2 3%0.0180 0.000 -$48.08
VI-US REGULATED NON-CPS (DB)$7,686.68 8%6 9%0.0005 $0.220 -$5.16
VISA TOTAL $94,595.19 69 -$1,346.45
TOTAL $129,440.80 97 -$2,097.44
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"