Form FR 3066b FR 3066b Network, Processor, and Issuer Payments Surveys

FR 3066b
OMB No. 7100-0351
Approval expires December 31, 2015

Network, Processor, and Issuer
Payments Surveys (NPIPS)
Survey Period:
Calendar Year 2012

1 of 60

2013 NPIPS
Survey Forms
Table of Contents
General Instructions ................................................................................................................ 4
Organization Profile ................................................................................................................. 5
General-Purpose Credit Card Network Survey ........................................................................ 7
Private-Label Credit Card Retail Merchant Issuer Survey ..................................................... 12
Private-Label Credit Card Processor Survey ......................................................................... 17
Debit Card Network Survey ..................................................................................................... 21
General-Use Prepaid Card Network Survey........................................................................... 25
General-Use Prepaid Card Processor Survey........................................................................ 30
Private-Label Prepaid Card Issuer and Processor Survey..................................................... 35
P2P and Money Transfer Processor Survey .......................................................................... 40
Online Bill Payment Processor Survey .................................................................................. 43
Walk-In Bill Payment Processor Survey ................................................................................. 46
Deferred Payment Processor Survey ..................................................................................... 49
Private-Label ACH Debit Card Processor Survey .................................................................. 52
Far-Field RFID Payment Processor Survey............................................................................ 55
Secure Online Payment Processor Survey ............................................................................ 58
Mobile Wallet Processor Survey ............................................................................................. 60

FR 3066b
OMB No. 7100-0351
Approval expires December 31, 2015

The Federal Reserve
Payments Study

Instructions
Survey Period:
Calendar Year 2012
Surveys of the number and dollar value of
different types of electronic payment
transactions in the United States

3 of 60

FR 3066b
OMB No. 7100-0351
Approval expires December 31, 2015

General Instructions
About the surveys
The Federal Reserve Network, Processor, and Issuer Payments Surveys (NPIPS) will support research on electronic
payment transactions, including ACH, credit card, debit card, prepaid card, and emerging payment transactions. The
objective of this research is to measure the volume and value of electronic payments originated from U.S.-domiciled
accounts during the calendar year 2012. The Federal Reserve will compare aggregate results from this 2013 study to
those of previous studies conducted in 2001, 2004, 2007, and 2010 to document how the U.S. payments system is
changing.

Your participation
To achieve the most reliable results, it is important that you respond completely and accurately. Please leave no survey
item blank.

General instructions for numeric fields
There are three possible ways to answer a survey question that requests a numeric value:
Enter the amount: The actual numeric value of the data element.
Enter a zero: When the calculated amount actually equals zero or if the amount does not exist (i.e. your
organization does not have volume for the item requested). Please do not enter a non-numeric value, e.g. “NA”
or “NR.”
Enter “NR” (not reported): If your organization has volume of the type being measured, but you do not know it,
or cannot accurately estimate the amount. Please do not enter “NA.”
If for any reason you cannot provide complete data, or if you have other questions or concerns, please
contact:
Ed Bachelder at Blueflame Consulting

E-mail: ed.bachelder@bflame.com

4 of 60

(781) 662-8584

FR 3066b
OMB No. 7100-0351
Approval expires December 31, 2015

Organization Profile
This is an industry survey of electronic payment transactions,
including
•

General-purpose credit card

•

Private-label credit card

•

Debit card

•

General-use prepaid card

•

Private-label prepaid card

•

Person-to-person (P2P) & Money Transfer

•

Online bill payment

•

Walk-in bill payment

•

Deferred payment

•

Private-label ACH debit card

•

Far-field RFID payment

•

Secure online payment

•

Mobile wallet

According to our understanding, your organization has payments information that should be reported in the following
surveys:

[EXAMPLE: Respondents will only be asked to respond to the surveys that are relevant to their organization.]

•

General-purpose credit card

•

Private-label credit card

•

Debit card

•

P2P & money transfer

•

Online bill payment

Please contact Ed Bachelder at (781) 662-8584 if you have any questions about the payments categories included for
your organization.

5 of 60

The Federal Reserve
Payments Study
General-Purpose
Credit Card
Network Survey
Survey Period:
Calendar Year 2012
Surveys of the number and dollar value of
different types of electronic payment
transactions in the United States

6 of 60

General-Purpose Credit Card

Please do not round.

Network Survey
Please enter totals only for transactions originated from U.S.-domiciled accounts processed during the calendar years (CY)
requested below.
Include: All point-of-sale (POS) and bill payment transactions made with a credit card or charge card. Include both consumer and
business/government card transactions.
Do not include: Debit card or prepaid card transactions.

CY 2012 General-purpose credit card transactions
1.

2.

1a.

Less: Denials

1b.

Less: Pre-authorization only

Number

Value ($)

Net, authorized & settled transactions
= 1 – 1a – 1b

□
2b.

2c.

Less: Cash back at the point of sale
Mark box if your organization does not track cash back at the point of sale.
Less: Adjustments and returns
2b.1 + 2b.2 = 2b
2b.1.

Chargebacks

2b.2.

Other adjustments and returns

Less: Cash advances

Net, purchase transactions
= 2 – 2a – 2b – 2c

Credit card vs. charge card transactions
4.

Value ($)

Gross authorizations
Include 1a & 1b.

2a.

3.

Number

Allocate your response to 2. Net, authorized & settled transactions
between the following categories:
4a + 4b = 2
4a.

Credit card transactions

4b.

Charge card transactions
The entire balance must be paid off at regular intervals (e.g. monthly).

2:

2:

Continued

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Payment initiation and authorization
5.

Number

Allocate your response to 2. Net, authorized & settled transactions
between the following categories:
5a + 5b = 2
5a.

2:

Value ($)
2:

Transactions at the point of sale
Include card-present transactions.
5a.1 + 5a.2 = 5a
Please allocate your response by initiation method:
5a.1.

Chip
Include EMV-compatible and other chip-based cards.
5a.1.1 + 5a.1.2 + 5a.1.3 + 5a.1.4 = 5a.1
Please allocate your response by authorization method:
5a.1.1.

Signature acquired

5a.1.2.

Dynamic data only
e.g. incremental authorization code

5a.1.3.

EMV using compliant card and terminal

5a.1.4.

Other
If Other please describe
the authorization method:

5a.2.

No chip (including magnetic stripe)
□

5b.

Mark box if your organization does not track chip card transactions at the point of sale.

Card-not-present/remote transactions
Do not include mobile at the point of sale.
5b.1 + 5b.2 + 5b.3 = 5b
Please allocate your response by transaction verification method:
5b.1.

Static card data only
i.e. card number, expiration date, CVV, CVV2, etc.

5b.2.

Network-sponsored online verification system

5b.3.

Other
If Other please describe the
transaction verification method:

6.

Allocate your response to 5a. Transactions at the point of sale between
the following categories:
6a + 6b = 5a
6a.

Transactions initiated from or via mobile device
e.g. feature phones, smart phones, tablets, and PDAs

6b.

Transactions not initiated with a mobile device
e.g. magnetic stripe cards and chip cards

□

5a:

5a:

Mark box if your organization does not track mobile device transactions at the point of sale.
Continued

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Consumer vs. business/government transactions
7.

Allocate your response to 2. Net, authorized & settled transactions
between the following categories:
7a + 7b = 2
7a.

Consumer transactions

7b.

Business/government transactions
7b.1 + 7b.2 + 7b.3 = 7b
7b.1.

Procurement cards

7b.2.

Fleet cards for fueling and vehicle expenses

7b.3.

Other

Number
2:

U.S. vs. foreign payees
8.

2:

Number

Allocate your response to 2. Net, authorized & settled transactions
based on the location of the payee:
8a + 8b = 2
8a.

Transactions with U.S. payees

8b.

Transactions with payees outside the U.S.

2:

Transaction value distribution
9.

Value ($)

Value ($)
2:

Number

Allocate your response to 2. Net, authorized & settled transactions
between the following categories:
9a + 9b + 9c + 9d + 9e + 9f = 2
9a.

Transactions authorized less than $5.00 in total value

9b.

Transactions authorized $5.00 to $9.99 in total value

9c.

Transactions authorized $10.00 to $14.99 in total value

9d.

Transactions authorized $15.00 to $24.99 in total value

9e.

Transactions authorized $25.00 to $49.99 in total value

9f.

Transactions authorized $50.00 or greater in total value

2:

Value ($)
2:

Continued

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Number of cards outstanding
10.

Active

Total

in CY 2012

as of Dec. 31, 2012

Report both active and total credit and charge cards outstanding as
of December, 31 2012:
For active cards include cards with any transaction activity during CY 2012.
10a + 10b = 10
10a. Credit cards outstanding
10b. Charge cards outstanding

11.

Allocate your response to 10. Active and total credit and charge cards
outstanding between the following categories:
11a + 11b = 10

10:

10:

11a. Cards with chip technology
11a.1 + 11a.2 = 11a
11a.1. Cards that are EMV compliant
11a.2. Cards that are not EMV compliant
11b. Cards without chip technology
□

Mark box if your organization does not track chip cards.

Historical data

Number

12.

CY 2011 Net, authorized & settled transactions
2011 equivalent to 2

13.

CY 2010 Net, authorized & settled transactions
2010 equivalent to 2

Comments:

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Value ($)

The Federal Reserve
Payments Study
Private-Label Credit Card
Retail Merchant Issuer Survey
Survey Period:
Calendar Year 2012
Surveys of the number and dollar value of
different types of electronic payment
transactions in the United States

11 of 60

Private-Label Credit Card

Please do not round.

Retail Merchant Issuer Survey
Please enter totals only for transactions originated from U.S.-domiciled accounts processed during the calendar years (CY)
requested below.
Include: All point-of-sale (POS) and bill payment transactions made with a private-label credit or charge card (i.e. not network-branded
Visa, MasterCard, etc.) for which your organization is the transaction processor. Include both consumer and business/government
card transactions.
Do not include: Network-branded (e.g. Visa, MasterCard) credit card, debit card, or prepaid card transactions. Also, do not include
data associated with transactions for which your organization was the receivables owner but not the transaction processor.
Note: We are surveying both in-house and outsourced private-label credit card issuers/processors. To ensure that we do not doublecount your organization’s volume, please tell us if your organization outsourced its processing or receivables ownership (questions 1
and 2 below).

CY 2012 Transaction processing
1.

Transaction processing
Please indicate if your organization outsourced some or all
of its private-label credit card transaction processing to a
third party.
1a.

If fully or partially outsourced, please indicate
the name of the processor:

1b.

If your organization outsourced its processing for
only part of 2012, please indicate the period of time
in 2012 that your organization did not outsource:

100%
In-house
[ ]

From

Partially
Outsourced
[ ]

To

mm/dd

(2012):

Fully
Outsourced
[ ]

mm/dd

(2012):

Receivables ownership
2.

Receivables ownership:
Please indicate if your organization outsourced some or all
of its private-label credit card receivables ownership to a
third party (i.e. outstandings were owned by a different
organization).
2a.

100%
In-House
[ ]

Partially
Outsourced
[ ]

Fully
Outsourced
[ ]

If fully or partially outsourced, please indicate
the name of the receivables owner:

If you answered Fully Outsourced to question 1 above for your organization’s transaction processing, this survey is complete.
Thank you for participating.
If you answered 100% In-house or Partially Outsourced to question 1 above for your organization’s transaction processing,
please finish the rest of the survey and report transaction data only for the in-house processed portion of your portfolio.
Continued

12 of 60

CY 2012 Private-label credit card transactions
3.

4.

3a.

Less: Denials

3b.

Less: Pre-authorization only

Number

Value ($)

Net, authorized & settled transactions
= 3 – 3a – 3b

□
4b.

4c.

Less: Cash back at the point of sale
Mark box if your organization does not track cash back at the point of sale.
Less: Adjustments and returns
4b.1 + 4b.2 = 4b
4b.1.

Chargebacks

4b.2.

Other adjustments and returns

Less: Cash advances

Net, purchase transactions
= 4 – 4a – 4b – 4c

Payment initiation
6.

Value ($)

Gross authorizations
Include 3a & 3b

4a.

5.

Number

Allocate your response to 4. Net, authorized & settled transactions
between the following categories:
6a + 6b = 4
6a.

4:

4:

6a:

6a:

Transactions at the point of sale
Include card-present transactions.
6a.1+6a.2= 6a
Please allocate your response by initiation method:

□
6b.

7.

6a.1.

Chip

6a.2.

No chip (including magnetic stripe)

Mark box if your organization does not track chip cards.
Card-not-present/remote transactions
Do not include mobile at the point of sale.

Allocate your response to 6a. Transactions at the point of sale between
the following categories:
7a + 7b = 6a
7a.
7b.
□

Transactions initiated from or via a mobile device
e.g. feature phones, smart phones, tablets, and PDAs
Transactions not initiated with a mobile device
e.g. magnetic stripe cards and chip cards
Mark box if your organization does not track mobile device transactions at the point of sale.
Continued

13 of 60

Consumer vs. business/government transactions
8.

Allocate your response to 4. Net, authorized & settled transactions
between the following categories:
8a + 8b = 4
8a.

Consumer transactions

8b.

Business/government transactions
8b.1 + 8b.2 + 8b.3 = 8b
8b.1.

Procurement cards

8b.2.

Fleet cards for fueling and vehicle expenses

8b.3.

Other

Number
4:

Value ($)
4:

Continued

Transaction value distribution
9.

Number

Allocate your response to 4. Net, authorized & settled transactions
between the following categories:
9a + 9b + 9c + 9d + 9e+ 9f = 4
9a.

Transactions authorized less than $5.00 in total value

9b.

Transactions authorized $5.00 to $9.99 in total value

9c.

Transactions authorized $10.00 to $14.99 in total value

9d.

Transactions authorized $15.00 to $24.99 in total value

9e.

Transactions authorized $25.00 to $49.99 in total value

9f.

Transactions authorized $50.00 or greater in total value

Number of cards outstanding
10.

4:

Value ($)
4:

Active

Total

in CY 2012

as of Dec. 31, 2012

Number

Value ($)

Report both active and total cards outstanding as of December, 31 2012:
For active cards include cards with any transaction activity during CY 2012.
10a + 10b = 10
10a. Cards with chip technology
10b. Cards without chip technology
□

Mark box if your organization does not track chip cards.

Historical data
11.

CY 2011 Net, authorized & settled transactions
2011 equivalent to 4

12.

CY 2010 Net, authorized & settled transactions
2010 equivalent to 4
Continued

14 of 60

Comments:

15 of 60

The Federal Reserve
Payments Study
Private-Label Credit Card
Processor Survey
Survey Period:
Calendar Year 2012
Surveys of the number and dollar value of
different types of electronic payment
transactions in the United States

16 of 60

Private-Label Credit Card

Please do not round.

Processor Survey
Please enter totals only for transactions originated from U.S.-domiciled accounts processed during the calendar years (CY)
requested below.
Include: All point-of-sale (POS) and bill payment transactions made with a private-label credit or charge card for which your
organization was the transaction processor. Include both consumer and business/government card transactions.
Do not include: General-purpose (e.g. Visa, MasterCard) credit card, prepaid card, or debit card transactions. Also, do not include
transactions for which your organization was the receivables owner but not the transaction processor.

CY 2012 Transaction processing
1.

Which of the following describes your organization’s private-label
credit card processing services?
1a.

3.

Number

Value ($)

Gross authorizations
Include 2a & 2b.
2a.

Less: Denials

2b.

Less: Pre-authorization only

Net, authorized & settled transactions
= 2 – 2a – 2b
3a.
□
3b.

3c.

4.

Processed
Transactions
[ ]

If your organization only owned receivables, please list its processor(s):

CY 2012 Private-label credit card transactions
2.

Owned
Receivables
[ ]

Less: Cash back at the point of sale
Mark box if your organization does not track cash back at the point of sale.
Less: Adjustments and returns
3b.1 + 3b.2 = 3b
3b.1.

Chargebacks

3b.2.

Other adjustments and returns

Less: Cash advances

Net, purchase transactions
= 3 – 3a – 3b – 3c
Continued

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Payment initiation
5.

Number

Allocate your response to 3. Net, authorized & settled transactions
between the following categories:
5a + 5b = 3
5a.

Value ($)

3:

3:

5a:

5a:

Transactions at the point of sale
Include card-present transactions.
5a.1+5a.2= 5a
Please allocate your response by initiation method:

□
5b.

6.

5a.1.

Chip

5a.2.

No chip (including magnetic stripe)

Mark box if your organization does not track chip cards.
Card-not-present/remote transactions
Do not include mobile at the point of sale.

Allocate your response to 5a. Transactions at the point of sale between
the following categories:
6a + 6b = 5a
6a.
6b.
□

Transactions initiated from or via a mobile device
e.g. feature phones, smart phones, tablets, and PDAs
Transactions not initiated with a mobile device
e.g. magnetic strip cards and chip cards
Mark box if your organization does not track mobile device transactions at the point of sale.

Consumer vs. business/government transactions
7.

Allocate your response to 3. Net, authorized & settled transactions
between the following categories:
7a + 7b = 3
7a.

Consumer transactions

7b.

Business/government transactions
7b.1 + 7b.2 = 7b
7b.1.

Procurement cards

7b.2.

Fleet cards for fuel and vehicle expenses

Number
3:

Value ($)
3:

Continued

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Transaction value distribution
8.

Number

Allocate your response to 3. Net, authorized & settled transactions
between the following categories:
8a + 8b + 8c + 8d + 8e + 8f = 3
8a.

Transactions authorized less than $5.00 in total value

8b.

Transactions authorized $5.00 to $9.99 in total value

8c.

Transactions authorized $10.00 to $14.99 in total value

8d.

Transactions authorized $15.00 to $24.99 in total value

8e.

Transactions authorized $25.00 to $49.99 in total value

8f.

Transactions authorized $50.00 or greater in total value

Number of cards outstanding
9.

3:

Value ($)
3:

Active

Total

in CY 2012

as of Dec. 31, 2012

Number

Value ($)

Report both active and total cards outstanding as of December, 31 2012:
For active cards include cards with any transaction activity during CY 2012.
9a + 9b = 9
9a.

Cards with chip technology

9b.

Cards without chip technology

□

Mark box if your organization does not track chip cards.

Historical data
10.

CY 2011 Net, authorized & settled transactions
2011 equivalent to 3

11.

CY 2010 Net, authorized & settled transactions
2010 equivalent to 3

Comments:

19 of 60

The Federal Reserve
Payments Study
Debit Card and
General-Use Prepaid Card
Network Surveys
Survey Period:
Calendar Year 2012
Surveys of the number and dollar value of
different types of electronic payment
transactions in the United States

20 of 60

Debit Card

Please do not round.

Network Survey
Please enter totals only for transactions originated from U.S.-domiciled accounts processed during calendar year (CY) 2012.
Include: All point-of-sale (POS) and bill payment transactions made with a debit card issued by a depository institution. Include both
consumer and business/government card transactions.
Do not include: Electronic benefit transfer (EBT) card, credit card, or ATM transactions. Please exclude cash withdrawals from
transaction figures.

CY 2012 Transaction reporting
1.

Can your network report CY 2012 debit card transactions and CY
2012 general-use prepaid card transactions separately?

Yes
[ ]

No
[ ]

If you answered Yes to question 1 above for your organization’s transaction reporting, please exclude general-use prepaid
card transactions from the figures in this section. Report general-use prepaid card transactions in the General-Use Prepaid Card
survey only. Please do not report (double-count) transactions in both the Debit Card and General-Use Prepaid Card surveys.
If you answered No to question 1 above for your organization’s transaction reporting, please include general-use prepaid card
transactions in this section and skip the General-Use Prepaid Card survey.

CY 2012 Debit card transactions
2.

3.

Value ($)

Gross authorizations
Include 2a & 2b
2a.

Less: Denials

2b.

Less: Pre-authorization only

Net, authorized & settled transactions
= 2 – 2a – 2b
3a.
□
3b.

4.

Number

Less: Cash back at the point of sale
Mark box if your organization does not track cash back at the point of sale.
Less: Adjustments and returns
3b.1 + 3b.2 = 3b
3b.1.

Chargebacks

3b.2.

Other adjustments and returns

Net, purchase transactions
= 3 – 3a – 3b
Continued

21 of 60

Payment initiation and authorization
5.

Number

Allocate your response to 3. Net, authorized & settled transactions
between the following categories:
5a + 5b = 3
5a.

3:

Value ($)
3:

Transactions at the point of sale
Include card-present transactions.
5a.1 + 5a.2 = 5a
Please allocate your response by initiation method:
5a.1.

Chip
5a.1.1 + 5a.1.2 + 5a.1.3 + 5a.1.4 = 5a.1
Please allocate your response by authorization method:
5a.1.1.

Signature acquired

5a.1.2.

PIN entry at merchant terminal
5a.1.2(a) + 5a.1.2(b) = 5a.1.2

(a)

EMV using compliant card and terminal

(b)

Other chip-and-PIN transactions

5a.1.3.

Dynamic data only
e.g. incremental authorization code

5a.1.4.

Other
If Other please describe
the authorization method:

5a.2.

No chip (including magnetic stripe)
5a.2.1 + 5a.2.2 + 5a.2.3 = 5a.2
Please allocate your response by authorization method:
5a.2.1.

Signature acquired

5a.2.2.

PIN entry at merchant terminal

5a.2.3.

Other
If Other please describe
the authorization method:

□

Mark box if your organization does not track chip card transactions at the point of sale.
Continued

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Payment initiation and authorization (continued)
5b.

Number

Value ($)

Card-not-present/remote transactions
Do not include mobile at the point of sale.
5b.1 + 5b.2 + 5b.3 + 5b.4 = 5b
Please allocate your response by transaction verification method:
5b.1. Static card data
e.g.,. card number, expiration date, CVV, CVV2, etc.
Do not include PIN-less debit.
5b.2.

Network-sponsored online verification system
Do not include PIN-less debit.

5b.3.

PIN-less debit
i.e. bill pay to a utility

5b.4.

Other
If Other please describe the
transaction verification method:

6.

Allocate your response to 5a. Transactions at the point of sale between
the following categories:
6a + 6b = 5a
6a.

Transactions initiated from or via mobile device
e.g. feature phones, smart phones, tablets, and PDAs

6b.

Transactions not initiated with a mobile device
e.g. magnetic strip cards and chip cards

□

5a:

Mark box if your organization does not track mobile device transactions at the point of sale.

Consumer vs. business/government transactions
7.

Allocate your response to 3. Net, authorized & settled transactions
between the following categories:
7a + 7b = 3
7a.

Consumer transactions

7b.

Business/government transactions

Number
3:

U.S. vs. foreign payees
8.

5a:

Value ($)
3:

Number

Allocate your response to 3. Net, authorized & settled transactions
based on the location of the payee:
8a + 8b = 3
8a.

Transactions with U.S. payees

8b.

Transactions with payees outside the U.S.

3:

Value ($)
3:

Continued

23 of 60

Transaction value distribution
9.

Number

Allocate your response to 3. Net, authorized & settled transactions
between the following categories:
9a + 9b + 9c + 9d + 9e + 9f = 3
9a.

Transactions authorized less than $5.00 in total value

9b.

Transactions authorized $5.00 to $9.99 in total value

9c.

Transactions authorized $10.00 to $14.99 in total value

9d.

Transactions authorized $15.00 to $24.99 in total value

9e.

Transactions authorized $25.00 to $49.99 in total value

9f.

Transactions authorized $50.00 or greater in total value

Comments:

24 of 60

3:

Value ($)
3:

General-Use Prepaid Card

Please do not round.

Network Survey
Please enter totals only for transactions originated from U.S.-domiciled accounts processed during calendar year (CY) 2012.
Definition: A card, or other payment code or device, that is (1) issued on prepaid basis in a specified amount, whether or not
that amount may be increased or reloaded, in exchange for payment ; and (2) redeemable upon presentation at multiple,
unaffiliated merchants for goods or services,
Include: All point-of-sale (POS) and bill payment transactions made with a general-use prepaid card. Include both consumer and
business/government card transactions.
Do not include: Non-prepaid debit card, electronic benefit transfer (EBT) card, private-label prepaid card, credit card, or ATM
transactions. Please exclude cash withdrawals from transaction figures.

CY 2012 General-use prepaid card transactions
1.

2.

Value ($)

Gross authorizations
Include 1a & 1b.
1a.

Less: Denials

1b.

Less: Pre-authorization only

Net, authorized & settled transactions
= 1 – 1a – 1b
2a.
□
2b.

3.

Number

Less: Cash back at the point of sale
Mark box if your organization does not track cash back at the point of sale.
Less: Adjustments and returns
2b.1 + 2b.2 = 2b
2b.1.

Chargebacks

2b.2.

Other adjustments and returns

Net, purchase transactions
= 2 – 2a – 2b
Continued

25 of 60

Payment initiation and authorization
4.

Number

Allocate your response to 2. Net, authorized & settled transactions
between the following categories:
4a + 4b = 2
4a.

2:

Value ($)
2:

Transactions at the point of sale
Include card-present transactions.
4a.1 + 4a.2 = 4a
Please allocate your response by initiation method:
4a.1.

Chip
4a.1.1 + 4a.1.2 + 4a.1.3 + 4a.1.4 = 4a.1
Please allocate your response by authorization method:
4a.1.1.

Signature acquired

4a.1.2.

PIN entry at merchant terminal
4a.1.2(a) + 4a.1.2(b) = 4a.1.2

(a)

EMV using compliant card and terminal

(b)

Other chip-and-PIN transactions

4a.1.3.

Dynamic data only
e.g. incremental authorization code

4a.1.4.

Other
If Other please describe
the authorization method:

4a.2.

No chip (including magnetic stripe)
4a.2.1 + 4a.2.2 + 4a.2.3 = 4a.2
Please allocate your response by authorization method:
4a.2.1.

Signature acquired

4a.2.2.

PIN entry at merchant terminal

4a.2.3.

Other
If Other please describe
the authorization method:

□

Mark box if your organization does not track payments initiated by cards with chip technology at the point of sale.

26 of 60

Payment initiation and authorization (continued)
4b.

Number

Value ($)

Card-not-present/remote transactions
Do not include mobile at the point of sale.
4b.1 + 4b.2 + 4b.3 + 4b.4 = 4b
Please allocate your response by transaction verification method:
4b.1. Static card data
i.e. card number, expiration date, CVV, CVV2, etc.
Do not include PIN-less debit.
4b.2.

Network-sponsored online verification system
Do not include PIN-less debit.

4b.3.

PIN-less debit
i.e. bill pay to a utility

4b.4.

Other
If Other please describe the
transaction verification method:

5.

Allocate your response to 4a. Transactions at the point of sale between
the following categories:
5a + 5b = 4a
5a.

Transactions initiated from or via mobile device
e.g. feature phones, smart phones, tablets, and PDAs

5b.

Transactions not initiated with a mobile device
e.g. magnetic strip cards and chip cards

□

4a:

Mark box if your organization does not track mobile device transactions at the point of sale.

U.S. vs. foreign payees
6.

Number

Allocate your response to 2. Net, authorized & settled transactions
based on the location of the payee:
6a + 6b = 2
6a.

Transactions with U.S. payees

6b.

Transactions with payees outside the U.S.

2:

Transaction value distribution
7.

4a:

Value ($)
2:

Number

Allocate your response to 2. Net, authorized & settled transactions
between the following categories:
7a + 7b + 7c + 7d + 7e + 7f = 2
7a.

Transactions authorized less than $5.00 in total value

7b.

Transactions authorized $5.00 to $9.99 in total value

7c.

Transactions authorized $10.00 to $14.99 in total value

7d.

Transactions authorized $15.00 to $24.99 in total value

7e.

Transactions authorized $25.00 to $49.99 in total value

7f.

Transactions authorized $50.00 or greater in total value

2:

Value ($)
2:

Continued
27 of 60

Comments:

28 of 60

The Federal Reserve
Payments Study
General-Use Prepaid Card
Processor Survey
Survey Period:
Calendar Year 2012
Surveys of the number and dollar value of
different types of electronic payment
transactions in the United States

29 of 60

General-Use Prepaid Card

Please do not round.

Processor Survey
Please enter totals only for transactions originated from U.S.-domiciled accounts processed during calendar year (CY) 2012.
Definition: A card, or other payment code or device, that is (1) issued on prepaid basis in a specified amount, whether or not that
amount may be increased or reloaded, in exchange for payment ; and (2) redeemable upon presentation at multiple, unaffiliated
merchants for goods or services.
Include: All point-of-sale (POS) and bill pay transactions made with a general-use (network-branded or open-loop) prepaid card.
Do not include: Private-label (closed-loop) prepaid card, non-prepaid debit card, or credit card transactions. Please exclude cash
withdrawals from transaction figures.
Note: Any fees charged to the cards (e.g. monthly transaction fees, etc.) are not considered to be transactions and should be excluded.

CY 2012 General-use prepaid card transactions
1.

Number

Value ($)

Number

Value ($)

Gross authorizations
Include 1a & 1b.

2.

1a.

Less: Denials

1b.

Less: Pre-authorization only

Net, authorized & settled transactions
= 1 – 1a – 1b
2a.
□

Mark box if your organization does not track cash back at the point of sale.

2b.

3.

Less: Cash back at the point of sale

Less: Adjustments and returns
2b.1 + 2b.2 = 2b
2b.1.

Chargebacks

2b.2.

Other adjustments and returns

Net, purchase transactions
= 2 – 2a – 2b

Payment initiation
4.

Allocate your response to 2. Net, authorized & settled transactions
between the following categories:
4a + 4b = 2
4a.

2:

2:

Transactions at the point of sale
Include card-present transactions.
Error! Reference source not found. + 4a.1 = 4a
Please allocate your response by initiation method:

□

4a.1.

Chip

4a.2.

No chip (including magnetic stripe)

Mark box if your organization does not track payments initiated by cards with chip technology at the point of sale.
4b.

Card-not-present/remote transactions
Do not include mobile at the point of sale.
Continued
30 of 60

Payment initiation (continued)
5.

Number

Allocate your response to 4a. Transactions at the point of sale between
the following categories:
5a + 5b = 4a
5a.

Transactions initiated from or via mobile device
e.g. feature phones, smart phones, tablets, and PDAs

5b.

Transactions not initiated with a mobile device
e.g. magnetic strip cards and chip cards

□

4a:

Number

Allocate your response to 2. Net, authorized & settled transactions
based on the location of the payee:
6a + 6b = 2
6a.

Transactions with U.S. payees

6b.

Transactions with payees outside the U.S.

2:

Transactions by prepaid card type
7.

7b.

7c.

7d.
7e.

7f.

7g.

Value ($)
2:

Number

Allocate your response to 2. Net, authorized & settled transactions
between the following categories:
7a + 7b + 7c + 7d + 7e + 7f + 7g = 2
7a.

4a:

Mark box if your organization does not track mobile device transactions at the point of sale.

U.S. vs. foreign payees
6.

Value ($)

2:

Value ($)
2:

General-purpose prepaid card transactions
Reloadable, prepaid debit cards that allow ATM cash withdrawals; typically
marketed directly to consumers as a checking account alternative.
Gift card transactions
Non-reloadable Visa, MasterCard, American Express, Discover or other
general-use prepaid cards marketed as a gift-giving alternative to cash,
checks, and gift certificates.
Medical card transactions
Cards issued to provide point-of-sale access to Flexible Spending and
Health Savings Accounts funds and avoid the need for insurers to issue
reimbursement checks.
Customer refund & incentive card transactions
Cards issued to disburse refunds for returned merchandise and customer
incentives such as rebates.
Payroll card transactions
Reloadable, prepaid debit cards issued to disburse employee wages;
typically marketed to employers as a means to replace paper check or
cash wage disbursements to unbanked employees.
Government card transactions
Prepaid cards issued to disburse local, state, and federal government
payments such as welfare (EBT, etc.), social security, unemployment, and
disaster relief; cards are typically issued as an electronic alternative to cash
and check disbursements.
Other general-use prepaid card transactions
If Other general-use prepaid
card transactions please
describe the card types:
Continued

31 of 60

Transaction value distribution
8.

Number

Allocate your response to 2. Net, authorized & settled transactions
between the following categories:
8a + 8b + 8c + 8d + 8e + 8f = 2
8a.

Transactions authorized less than $5.00 in total value

8b.

Transactions authorized $5.00 to $9.99 in total value

8c.

Transactions authorized $10.00 to $14.99 in total value

8d.

Transactions authorized $15.00 to $24.99 in total value

8e.

Transactions authorized $25.00 to $49.99 in total value

8f.

Transactions authorized $50.00 or greater in total value

2:

Card funding
9.

Value ($)
2:

Number

Value ($)

Total credits/loads
9a + 9b + 9c = 9
Please allocate your response between the following categories:

10.

9a.

Initial Loads

9b.

Reloads

9c.

Other credits/loads

Allocate your response to 9. Total credits/loads based on the funding method
that was used to credit/load the card:
10a + 10b + 10c + 10d + 10e + 10f = 9

9:

9:

10a. Cash
10b. Check
10c. Credit card
10d. Debit card
10e. ACH
10f. Other
Continued

32 of 60

Number of cards outstanding
11.

Active

Total

in CY 2012

as of Dec. 31, 2012

Report both active and total cards outstanding as of December 31, 2012:
For active cards include cards with any transaction activity during CY 2012.
11a + 11b + 11c + 11d + 11e + 11f + 11g = 11
Please allocate your response between the following categories (see question 7
above for definitions):
11a. General-purpose prepaid cards
11b. Gift cards
11c. Medical cards
11d. Customer refund & incentive cards
11e. Payroll cards
11f. Government
11g. Other

12.

Allocate your response to 11. Active and total credit and charge cards
outstanding between the following categories:
12a + 12b = 11
12a. Cards with chip technology
12a.1 + 12a.2 = 12a
12a.1. Cards that are EMV compliant
12a.2. Cards that are not EMV compliant
12b. Cards without chip technology
□

Mark box if your organization does not track chip cards.

Comments:

33 of 60

11:

11:

The Federal Reserve
Payments Study
Private-Label
Prepaid Card
Issuer and Processor Survey
Survey Period:
Calendar Year 2012
Surveys of the number and dollar value of
different types of electronic payment
transactions in the United States

34 of 60

Private-Label Prepaid Card

Please do not round.

Issuer and Processor Survey
Please enter totals only for transactions originated from U.S.-domiciled accounts processed during the calendar years (CY)
requested below.
Include: All point-of-sale (POS) and bill payment transactions made with private-label (closed-loop) prepaid cards.
Do not include: General-use prepaid card, debit card, or credit card transactions. Please exclude cash withdrawals from transaction
figures unless specifically requested.
Note: Any fees charged to the cards (e.g. monthly fees, dormancy fees, etc.) are not considered to be transactions and should be
excluded.

CY 2012 Private-label prepaid card transactions
1.

Number

Value ($)

Number

Value ($)

Gross authorizations
Include 1a & 1b

2.

1a.

Less: Denials

1b.

Less: Pre-authorization only

Net, authorized & settled transactions
= 1 – 1a – 1b
2a.
□

Mark box if your organization does not track cash back at the point of sale.

2b.

3.

Less: Cash back at the point of sale

Less: Adjustments and returns
2b.1 + 2b.2 = 2b
2b.1.

Chargebacks

2b.2.

Other adjustments and returns

Net, purchase transactions
= 2 – 2a – 2b

Payment initiation
4.

Allocate your response to 2. Net, authorized & settled transactions
between the following categories:
4a + 4b = 2
4a.

2:

2:

Transactions at the point of sale
Include card-present transactions.
4a.1 + 4a.2 = 4a
Please allocate your response by initiation method:

□

4a.1.

Chip

4a.2.

No chip (including magnetic stripe)

Mark box if your organization does not track payments initiated by cards with chip technology at the point of sale.
4b.

Card-not-present/remote transactions
Do not include mobile at the point of sale.

Continued
35 of 60

Payment initiation (continued)
5.

Number

Allocate your response to 4a. Transactions at the point of sale between
the following categories:
5a + 5b = 4a
5a.

Transactions initiated from or via mobile device
e.g. feature phones, smart phones, tablets, and PDAs

5b.

Transactions not initiated with a mobile device
e.g. magnetic strip cards and chip cards

□

4a:

Number

Allocate your response to 2. Net, authorized & settled transactions
between the following categories:
6a + 6b + 6c + 6d = 2
6a.

6b.
6c.

6d.

4a:

Mark box if your organization does not track mobile device transactions.

Transactions by prepaid card type
6.

Value ($)

2:

Value ($)
2:

Gift card transactions
Private-label (e.g. merchant or shopping center-branded) prepaid cards
marketed as gift-giving alternatives to cash, checks, and gift certificates or
as loyalty cards with payment capabilities.
Transit card transactions
Cards issued for toll and fare payment on transportation systems such as
rail, bus, subway, and tollways.
Customer refund & incentive card transactions
Cards issued to disburse refunds for returned merchandise and customer
incentives such as rebates.
Other private-label prepaid card transactions
If Other private-label
prepaid card transactions
please describe the card types:

Transaction value distribution
7.

Number

Allocate your response to 2. Net, authorized & settled transactions
between the following categories:
7a + 7b + 7c + 7d + 7e + 7f = 2
7a.

Transactions authorized less than $5.00 in total value

7b.

Transactions authorized $5.00 to $9.99 in total value

7c.

Transactions authorized $10.00 to $14.99 in total value

7d.

Transactions authorized $15.00 to $24.99 in total value

7e.

Transactions authorized $25.00 to $49.99 in total value

7f.

Transactions authorized $50.00 or greater in total value

2:

Value ($)
2:

Continued

36 of 60

Card funding
8.

Number

Value ($)

Total credits/loads
8a + 8b + 8c = 8
Please allocate your response between the following categories:

9.

8a.

Initial loads

8b.

Reloads

8c.

Other credits/loads

Allocate your response to 8. Total credits/loads based on the funding method
that was used to credit/load the card:
9a + 9b + 9c + 9d + 9e + 9f = 8
9a.

Cash

9b.

Check

9c.

Credit card

9d.

Debit card

9e.

ACH

9f.

Other

Cash withdrawals
10.

8:

Number

Value ($)

CY 2012 Approved cash withdrawals
Please report the number and value of approved cash withdrawals.

Number of cards outstanding
11.

8:

Active

Total

in CY 2012

as of Dec. 31, 2012

Report both active and total cards outstanding as of December, 31 2012:
For active cards include cards with any transaction activity during CY 2012.
11a + 11b + 11c + 11d = 11
Please allocate your response between the following categories (see question 6
above for definitions):
11a. Gift cards
11b. Transit cards
11c. Customer refund & incentive cards
11d. Other
Continued

37 of 60

Historical data

Number

12.

CY 2011 Net, authorized & settled transactions
2011 equivalent to 2

13.

CY 2010 Net, authorized & settled transactions
2010 equivalent to 2

Comments:

38 of 60

Value ($)

The Federal Reserve
Payments Study
P2P and Money Transfer
Processor Survey
Survey Period:
Calendar Year 2012
Surveys of the number and dollar value of
different types of electronic payment
transactions in the United States

39 of 60

P2P and Money Transfer

Please do not round.

Processor Survey
Please enter totals only for transactions originated from U.S.-domiciled accounts or a U.S. agent location processed during
the calendar years (CY) requested below.
Include: Transactions originated from and received by a consumer or consumer-owned (i.e. not a business- or government-owned)
account.
Do not include: Transactions originated from or received by business- or government-owned accounts. Also, do not include accountto-account transfers for which both the originating and receiving accounts were owned by the same accountholder (i.e. balance
transfers).

CY 2012 P2P & money transfer transactions
1.

Allocate your response to 1. Total transactions based on the location of the
payee:
2a + 2b = 1

Number

Value ($)

2a.

Transactions with U.S. payees

2b.

Transactions with payees outside the U.S.

1:

Transaction value distribution
3.

Value ($)

Total transactions

U.S. vs. foreign payees
2.

Number

1:

Number

Allocate your response to 1. Total transactions between the following
categories:
3a + 3b + 3c + 3d + 3e + 3f = 1
3a.

Transactions authorized less than $5.00 in total value

3b.

Transactions authorized $5.00 to $9.99 in total value

3c.

Transactions authorized $10.00 to $14.99 in total value

3d.

Transactions authorized $15.00 to $24.99 in total value

3e.

Transactions authorized $25.00 to $49.99 in total value

3f.

Transactions authorized $50.00 or greater in total value

1:

Value ($)
1:

Continued

40 of 60

Clearing system
4.

Number

Allocate your response to 1. Total transactions between the following
categories:
4a + 4b + 4c + 4d + 4e = 1

1:

Value ($)
1:

Please report the payment methods used to transmit payments between
consumer accounts:
4a.

Credit card / signature debit networks

4b.

EFT / PIN debit networks

4c.

ACH

4d.

Cash Collected / Book transfer
i.e. a payment cleared via internal accounting transfer

4e.

Other
If Other please describe:

Origination channel
5.

Number

Allocate your response to 1. Total transactions between the following
categories based on the channel used to originate payment:
5a + 5b + 5c + 5d = 1
5a.

Website

5b.

Mobile phone
via an application or text message

5c.

In-person
via agent location, kiosk or ATM

5d.

Other
If Other please describe:

Comments:

41 of 60

1:

Value ($)
1:

The Federal Reserve
Payments Study
Online Bill Payment
Processor Survey
Survey Period:
Calendar Year 2012
Surveys of the number and dollar value of
different types of electronic payment
transactions in the United States

42 of 60

Online Bill Payment

Please do not round.

Processor Survey
Please enter totals only for transactions originated from U.S.-domiciled accounts processed during calendar year (CY) 2012.
Include: Bill payment transactions originated through a financial institution or other intermediary’s online bill payment portal (i.e. bank
online bill payments) and directly via biller websites (i.e. biller direct bill payments).
Note: In the case where a batch of bills were settled through a single combined payment to the biller (i.e. check and list payments)
please include transaction totals for the individual bills within the batch. Do not include batch transactions because this will double
count the individual bill totals.

CY 2012 Online bill payment transactions
1.

Bank/intermediary online bill payment transactions
Include direct send / consolidator transactions (i.e.,. Fiserv/ CheckFree).

2.

Biller direct online bill payment transactions

Transaction value distribution – Bank/intermediary online bill payments
3.

Allocate your response to 1. Bank/intermediary online bill payment
transactions between the following categories:
3a + 3b + 3c + 3d + 3e = 1
3a.

Transactions authorized less than $5.00 in total value

3b.

Transactions authorized $5.00 to $14.99 in total value

3c.

Transactions authorized $15.00 to $24.99 in total value

3d.

Transactions authorized $25.00 to $49.99 in total value

3e.

Transactions authorized $25.00 to $49.99 in total value

3f.

Transactions authorized $50.00 or greater in total value

Allocate your response to 2. Biller direct online bill payment
transactions between the following categories:
4a + 4b + 4c + 4d + 4e + 4f = 2
4a.

Transactions authorized less than $5.00 in total value

4b.

Transactions authorized $5.00 to $9.99 in total value

4c.

Transactions authorized $10.00 to $14.99 in total value

4d.

Transactions authorized $15.00 to $24.99 in total value

4e.

Transactions authorized $25.00 to $49.99 in total value

4f.

Transactions authorized $50.00 or greater in total value

Value ($)

Number

Value ($)

1:

Transaction value distribution – Biller direct online bill payments
4.

Number

1:

Number
2:

Value ($)
2:

Continued
43 of 60

Settlement system – Bank/intermediary online bill payments
5.

Allocate your response to 1. Bank/intermediary online bill payment
transactions based on the payment method used to transmit payment to billers
for settlement:
5a + 5b + 5c = 1
5a.

ACH

5b.

Check

5c.

Other
If Other please describe:

Comments:

44 of 60

Number
1:

Value ($)
1:

The Federal Reserve
Payments Study
Walk-In Bill Payment
Processor Survey
Survey Period:
Calendar Year 2012
Surveys of the number and dollar value of
different types of electronic payment
transactions in the United States

45 of 60

Walk-In Bill Payment

Please do not round.

Processor Survey
Please enter totals only for transactions originated from U.S.-domiciled accounts processed during calendar year (CY) 2012.
Include: Bill payment transactions made in person that your organization received or processed on behalf of billers. Include only
transactions made at locations (e.g. kiosks, ATMs, agents, or retailers) other than those operated by the biller.
Do not include: Online, mail, or telephone bill payments. Do not include in-person bill payments made at locations operated by the
biller.
Note: In the case where a batch of bills were settled through a single combined payment to the biller (i.e. check and list payments)
please include transaction totals for the individual bills within the batch. Do not include batch transactions because this would
double-count the individual bill totals.

CY 2012 Walk-in bill payment transactions
1.

Allocate your response to 1. Total transactions between the following
categories:
2a + 2b + 2c + 2d + 2e = 1

Number

Value ($)

2a.

Transactions authorized less than $5.00 in total value

2b.

Transactions authorized $5.00 to $9.99 in total value

2c.

Transactions authorized $10.00 to $14.99 in total value

2d.

Transactions authorized $15.00 to $24.99 in total value

2e.

Transactions authorized $25.00 to $49.99 in total value

2f.

Transactions authorized $50.00 or greater in total value

1:

Settlement system
3.

Value ($)

Total transactions

Transaction value distribution
2.

Number

Number

Allocate your response to 1. Total transactions based on the payment
method used to transmit payment to billers for settlement of walk-in bill payment
received on their behalf:
3a + 3b + 3c + 3d = 1
3a.

ACH

3b.

Check

3c.

Book transfer (cash payments)

3d.

Other

1:

1:

Value ($)
1:

If Other please describe:

Continued

46 of 60

Funding method
4.

Number

Total funding
4a + 4b + 4c + 4d + 4e + 4f = 4
Please allocate your response based on the funding method that was used by the
payer for walk-in bill payment:
4a.

Cash

4b.

Check

4c.

Credit card

4d.

Debit card

4e.

ACH

4f.

Other

Comments:

47 of 60

Value ($)

The Federal Reserve
Payments Study
Deferred Payment
Processor Survey
Survey Period:
Calendar Year 2012
Surveys of the number and dollar value of
different types of electronic payment
transactions in the United States

48 of 60

Deferred Payment

Please do not round.

Processor Survey
Please enter totals only for transactions originated from U.S.-domiciled accounts processed during calendar year (CY) 2012.
Include: Point-of-sale (POS) transactions for which your organization provided credit or an installment payment plan to buyers. Report
transaction and dollar value totals based on the initial purchase transaction made to the merchant.
Do not include: Loan repayments or installment payments on layaway items made subsequent to the initial purchase transaction.

CY 2012 Deferred payment transactions
1.

Allocate your response to 1. Total transactions between the following
categories:
2a + 2b + 2c + 2d + 2e + 2f = 1

Number

Value ($)

2a.

Transactions authorized less than $5.00 in total value

2b.

Transactions authorized $5.00 to $9.99 in total value

2c.

Transactions authorized $10.00 to $14.99 in total value

2d.

Transactions authorized $15.00 to $24.99 in total value

2e.

Transactions authorized $25.00 to $49.99 in total value

2f.

Transactions authorized $50.00 or greater in total value

1:

Merchant settlement
3.

Value ($)

Total transactions

Transaction value distribution
2.

Number

Number

Allocate your response to 1. Total transactions between the following
categories based on how funds were transferred into merchants’ accounts to
settle purchases:
3a + 3b + 3c = 1
3a.

ACH

3b.

Wire

3c.

Other

1:

1:

Value ($)
1:

If Other please describe:
Continued

49 of 60

Funding method
4.

Number

Total funding
4a + 4b + 4c + 4d + 4e + 4f = 4
Please allocate your response based on the funding method that was used by the
payer for deferred payment:
4a.

Cash

4b.

Check

4c.

Credit card

4d.

Debit card

4e.

ACH

4f.

Other

Comments:

50 of 60

Value ($)

The Federal Reserve
Payments Study
Private-Label ACH
Debit Card
Processor Survey
Survey Period:
Calendar Year 2012
Surveys of the number and dollar value of
different types of electronic payment
transactions in the United States

51 of 60

Private-Label ACH Debit Card

Please do not round.

Processor Survey
Please enter totals only for transactions originated from U.S.-domiciled accounts processed during calendar year (CY) 2012.
Include: Transactions on private-label (merchant-branded) payment cards for which the ACH system was used to settle daily card
transactions, whether individually or on an aggregated basis, from a cardholder deposit account linked to the card account (i.e.
decoupled debit transactions).
Do not include: Transactions on prepaid cards or transactions on payment cards through which credit was routinely extended to
cardholders for more than one business day before an attempt was made to settle with cardholders.

CY 2012 Private-label ACH debit card transactions
1.

Number

Value ($)

Number

Value ($)

Gross authorizations
Include 1a & 1b.

2.

1a.

Less: Denials

1b.

Less: Pre-authorizations only

Net, authorized & settled transactions
= 1 – 1a – 1b
2a.
□
2b.

3.

Less: Cash back at the point of sale
Mark box if your organization does not track cash back at the point of sale.
Less: Adjustments and returns
2b.1 + 2b.2 = 2b
2b.1.

Chargebacks

2b.2.

Other adjustments and returns

Net, purchase transactions
= 2 – 2a – 2b

Transaction value distribution
4.

Allocate your response to 2. Net, authorized & settled transactions
between the following categories:
4a + 4b + 4c + 4d + 4e = 2
4a.

Transactions authorized less than $5.00 in total value

4b.

Transactions authorized $5.00 to $9.99 in total value

4c.

Transactions authorized $10.00 to $14.99 in total value

4d.

Transactions authorized $15.00 to $24.99 in total value

4e.

Transactions authorized $25.00 to $49.99 in total value

4f.

Transactions authorized $50.00 or greater in total value

2:

2:

Continued

52 of 60

Merchant settlement
5.

Number

Allocate your response to 2. Net, authorized & settled transactions
based on the method that funds were transferred into a merchant’s bank account
to settle for a purchase:
5a + 5b + 5c = 2
5a.

ACH

5b.

Wire

5c.

Other

2:

Value ($)
2:

If Other please describe:

Number of cards outstanding
6.

Report both active and total cards outstanding as of December, 31 2012:
For active cards include cards with any transaction activity during CY 2012.

Comments:

53 of 60

Active

Total

in CY 2012

as of Dec. 31, 2012

The Federal Reserve
Payments Study
Far-Field RFID Payment
Processor Survey
Survey Period:
Calendar Year 2012
Surveys of the number and dollar value of
different types of electronic payment
transactions in the United States

54 of 60

Far-Field RFID Payment

Please do not round.

Processor Survey
Please enter totals only for transactions originated from U.S.-domiciled accounts processed during calendar year (CY) 2012.
Include: Toll transactions authorized via a far-field RFID transponder i.e, E-Z Pass Highway Toll Collection Systems.
Do not include: Initial load and subsequent reload transactions made to a prepaid account associated with the RFID payment service.

CY 2012 Far-field RFID transactions
1.

Allocate your response to 1. Total transactions between the following
categories:
2a + 2b + 2c + 2d + 2e + 2f = 1
2a.

Transactions authorized less than $5.00 in total value

2b.

Transactions authorized $5.00 to $9.99 in total value

2c.

Transactions authorized $10.00 to $14.99 in total value

2d.

Transactions authorized $15.00 to $24.99 in total value

2e.

Transactions authorized $25.00 to $49.99 in total value

2f.

Transactions authorized $50.00 or greater in total value

Funding method
3.

Value ($)

Number

Value ($)

Total transactions

Transaction value distribution
2.

Number

1:

1:

Number

Value ($)

Total funding
3a + 3b + 3b + 3d + 3e + 3f = 3
Please allocate your response based on the funding method that was used by the
payer for far-field RFID payment:
3a.

Cash

3b.

Check

3c.

Credit card

3d.

Debit card

3e.

ACH

3f.

Other
Continued

55 of 60

Comments:

56 of 60

The Federal Reserve
Payments Study
Secure Online Payment
Processor Survey
Survey Period:
Calendar Year 2012
Surveys of the number and dollar value of
different types of electronic payment
transactions in the United States

57 of 60

Secure Online Payment

Please do not round.

Processor Survey
Please enter totals only for transactions originated from U.S.-domiciled accounts processed during calendar year (CY) 2012.
Include: eCommerce point-of-sale transactions or online transactions where the buyers were redirected from the merchants to their
financial institution’s or a third party’s online bill payment system to originate payment.
For the debit transactions, include point-of-sale (POS) and bill payment transactions for eCommerce purchases made with a PIN
(single-message) debit card where PIN entry was facilitated via a webpage or peripheral device attached to the payer’s computer.

CY 2012 Secure online payment transactions
1.

Number

Value ($)

Number

Value ($)

Total transactions
Include 1a + 1b + 1c
1a.

Redirected from the merchant or biller site

1a.1. eCommerce secure online credit card payments
1a.2. eCommerce secure online PIN debit payments
1b.

Secure Online Prepaid/Escrow-Account i.e., PayPal

1c.

Other Secure eCommerce Payments

Transaction value distribution
2.

Allocate your response to 1. Total transactions between the following
categories:
2a + 2b + 2c + 2d + 2e + 2f = 1
2a.

Transactions authorized less than $5.00 in total value

2b.

Transactions authorized $5.00 to $9.99 in total value

2c.

Transactions authorized $10.00 to $14.99 in total value

2d.

Transactions authorized $15.00 to $24.99 in total value

2e.

Transactions authorized $25.00 to $49.99 in total value

2f.

Transactions authorized $50.00 or greater in total value

Comments:

58 of 60

1:

1:

The Federal Reserve
Payments Study
Mobile Wallet
Processor Survey
Survey Period:
Calendar Year 2012
Surveys of the number and dollar value of
different types of electronic payment
transactions in the United States

59 of 60

Mobile Wallet

Please do not round.

Processor Survey
Please enter totals only for transactions originated from U.S.-domiciled accounts processed during calendar year (CY) 2012.
Include: Mobile wallet transactions where the buyer made a payment using SMS messaging, a mobile application, virtual-cloud-based
account or near-field RFID technology connected with a mobile device.

CY 2012 Mobile wallet transactions
1.

Value ($)

Number

Value ($)

Total transactions

Transaction value distribution
2.

Number

Allocate your response to 1. Total transactions between the following
categories:
2a + 2b + 2c + 2d + 2e + 2f = 1
2a.

Transactions authorized less than $5.00 in total value

2b.

Transactions authorized $5.00 to $9.99 in total value

2c.

Transactions authorized $10.00 to $14.99 in total value

2d.

Transactions authorized $15.00 to $24.99 in total value

2e.

Transactions authorized $25.00 to $49.99 in total value

2f.

Transactions authorized $50.00 or greater in total value

Comments:

60 of 60

1:

1: