Document
Form FR 3066b FR 3066b Networks, Processors, and Issuers Payments Surveys
ICR 201907-7100-010 · OMB 7100-0351 · Object 93362601.
⚠️ Notice: This form may be outdated. More recent filings and information on OMB 7100-0351 can be found here:
Document [pdf]
Download: pdf | txt
FR 3066b Networks, Processors, and Issuers Payments Surveys (NPIPS) Survey Period: Calendar Year 2015 General-Purpose Credit Card Network 3 Private-Label Credit Card Merchant Issuer 9 Private-Label Credit Card Processor 14 General-Purpose Debit Card Network 18 General-Purpose Prepaid Card Network 24 Automated Teller Machine Card Network 31 General-Purpose Prepaid Card Processor 33 Electronic Benefits Transfer Card Processor 39 Automated Teller Machine Card Processor 42 Private-Label Prepaid Card Issuer and Processor 44 Person-to-Person and Money Transfer Processor 49 Online Bill Payment Processor 51 Walk-In Bill Payment Processor 53 Private-Label ACH Debit Card Processor 54 Electronic Toll and Payment Collection Processor 55 Online Payment Authentication Methods Processor 56 Mobile Wallet Processor 57 Transit System Operator 59 Instructions About the surveys The Federal Reserve 2016 Networks, Processors, and Issuers Payments Surveys collects the number and dollar value of different types of domestic and cross-border electronic payment transactions and related information including fraud originated from U.S.-domiciled accounts during calendar year 2015, and made by ACH, credit card, debit card, prepaid card, or alternative payment initiation methods. Data from your response will contribute to estimates of the national aggregate number and value of electronic payments made by these transaction methods. The Federal Reserve will compare the results from this 2016 study to those of previous triennial studies conducted from 2001 to 2013. Confidentiality Any information you provide for this survey is strictly confidential. Individual responses to the survey will not be shared with the public or the industry. 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 respond to a survey item that requests a numeric value: If your institution has volume for the item requested and the volume is known or can be accurately estimated, enter the amount. (Enter “0” if the amount equals zero.) If your institution has volume for the item requested but the volume is unknown and cannot be accurately estimated, enter “NR” (not reported). (Do not enter “0” if the volume exists but the amount is unknown.) If your institution does not have volume for the item requested (i.e., the item requested does not apply to your institution), enter “0”. Definitions and examples Definitions and examples can be found in the glossary. Please visit http://www.frbnpips.net/forms.html to download a PDF copy of the glossary. If for any reason you cannot provide complete data, or if you have any questions or concerns, please contact: ebachelder@frbnpips.net or call Blueflame Consulting at (781) 662-8584. General-Purpose Credit Card Network Payment Survey Calendar year 2015 general-purpose credit card transactions 1. 4. 5. Less: Denials (authorization declined) Total authorized transactions = 1 - 1a 2a. 3. Value ($) Total transactions 1a. 2. Number Less: Pre-authorization only (authorized but not settled) Net, authorized & settled transactions = 2 - 2a 3a. Less: Cash advances 3b. Less: Adjustments and returns = 3b.1 + 3b.2 3b.1. Chargebacks (issuer-initiated) 3b.2. Other adjustments and returns (acquirer-initiated) Net, purchase transactions = 3 - 3a - 3b Preferred basis for reporting payment transactions Among the different subtotals of payment transactions listed above, which would you prefer to use to report more detailed allocations of transactions below? If they are equally acceptable, please choose and report net, authorized & settled transactions. [ ] 2. Total authorized transactions [ ] 3. Net, authorized & settled transactions [ ] 4. Net, purchase transactions Payment transaction type 6. Number Allocate your response to [your selection of payment transaction type above] to the following categories: 6a. Person-present/merchant point-of-sale transactions Include all transactions where the cardholder is present, including cardpresent transactions and mobile transactions at the point of sale. Include attended and unattended transactions at merchant locations and in-app or online transactions where the customer must show the card when picking up the product or service. 6a.1. Chip 6a.1.1. Signature-authenticated 6a.1.2. PIN-authenticated 6a.1.3. Other/no signature required 6a.2. No Chip (magnetic stripe/key entered/other) 6a.2.1. Signature-authenticated 6a.2.2. PIN-authenticated 6a.2.3. Other/no signature required 3 2016 Networks, Processors, and Issuers Payments Surveys Value ($) General-Purpose Credit Card Network Payment Survey 6b. Remote transactions (person not at merchant location) Include internet, mail-order, telephone-order, and remote-mobile transactions. Do not include person-present mobile transactions. Include remote transactions even if classified as “card-present” because of the level of authentication. 6b.1. Mail-order/telephone-order transactions 6b.2. Internet purchase transactions (E-commerce) 6b.2.1. Two-factor authentication (e.g., 3-D Secure) 6b.2.2. Other 6b.3. 6b.4. 6b.5. 7. Other/unknown Allocate your response to 6a. Person-present/merchant point-of-sale transactions to the following categories: 7a. 7b. 8. Recurring transactions Include payment of bills or invoices, often on a prearranged basis, based on an ongoing customer relationship. Installment transactions Include payments made on an installment basis. Transactions initiated with a mobile device 7a.1. Tokenized 7a.2. Other Transactions not initiated with a mobile device 7b.1. Tokenized 7b.2. Other Allocate your response to 6b. Remote transactions (person not at merchant location) to the following categories: 8a. 8b. Transactions initiated with a mobile device 8a.1. Tokenized 8a.2. Other Transactions not initiated with a mobile device 8b.1. Tokenized 8b.2. Other 4 2016 Networks, Processors, and Issuers Payments Surveys General-Purpose Credit Card Network Payment Survey 9. Preferred basis for reporting fraudulent transactions Some organizations may track fraudulent transactions differently than payment transactions. On which basis would you prefer to report fraudulent transactions below? If they are equally acceptable, please choose and report net, authorized & settled transactions. [ ] 2. Total authorized transactions [ ] 3. Net, authorized & settled transactions [ ] 4. Net, purchase transactions Fraudulent transaction type 10. Number Total fraudulent transactions Include unauthorized transactions committed by a third-party who is not the authorized accountholder or cardholder that resulted in losses incurred even if subsequently recovered. Do not include declined transactions. 10a. Lost or stolen card Include fraudulent transactions that resulted from the use of a lost or stolen card. 10b. Card issued but not received Include fraudulent transactions that resulted from use of an intercepted new or replacement card in transit to a cardholder. 10c. Fraudulent application (account issued to someone using a fake identity) Include fraudulent transactions that resulted from a new card that was issued based on a falsified or stolen identity. 10d. Counterfeit card (card-present/stolen card data) Include fraudulent transactions that were perpetrated at the point of sale by someone using an altered or cloned card based on card account details fraudulently obtained. 10e. Fraudulent use of account number (card-not-present/stolen card data) Include fraudulent transactions that were perpetrated remotely (that is, via telephone, mail, or Internet) using card account details fraudulently obtained. 10f. Other Include all other fraudulent transactions not covered above. In particular, "other" covers a form of identity theft whereby an unauthorized party gains access to and use of an existing card account. Include account takeover. 11. Allocate your response to 10. Total fraudulent transactions to the following categories: 11a. Fraudulent person-present/merchant point-of-sale transactions 11a.1. Chip 11a.1.1. Signature-authenticated 11a.1.2. PIN-authenticated 11a.1.3. Other/no signature required 11a.2. No Chip (magnetic stripe/key entered/other) 11a.2.1. Signature-authenticated 11a.2.2. PIN-authenticated 11a.2.3. Other/no signature required 5 2016 Networks, Processors, and Issuers Payments Surveys Value ($) General-Purpose Credit Card Network Payment Survey 11b. Fraudulent remote transactions (person not at merchant location) 11b.1. Mail-order/telephone-order transactions 11b.2. Internet purchase transactions (E-commerce) 11b.2.1. Two-factor authentication (e.g., 3-D Secure) 11b.2.2. Other 11b.3. Recurring transactions 11b.4. Installment transactions 11b.5. Other/unknown 12. Allocate your response to 11a. Fraudulent person-present/merchant point-of-sale transactions to the following categories: 12a. Fraudulent transactions initiated with a mobile device 12a.1. Tokenized 12a.2. Other 12b. Fraudulent transactions not initiated with a mobile device 12b.1. Tokenized 12b.2. Other 13. Allocate your response to 11b. Fraudulent remote transactions (person not at merchant location) to the following categories: 13a. Fraudulent transactions initiated with a mobile device 13a.1. Tokenized 13a.2. Other 13b. Fraudulent transactions not initiated with a mobile device 13b.1. Tokenized 13b.2. Other Transactions by consumer or business/government 14. Allocate your response to [your selection of payment transaction type above] to the following categories: 14a. Consumer transactions Transactions made by a consumer cardholder. 14b. Business/government transactions Transactions made by a business/government cardholder. Include corporate charge, small business, commercial/travel entertainment, procurement, fleet and other business cards. 6 2016 Networks, Processors, and Issuers Payments Surveys Number Value ($) General-Purpose Credit Card Network Payment Survey Transactions by payee location 15. Number Value ($) Number Value ($) Number Value ($) Allocate your response to [your selection of payment transaction type above] based on the location of the payee: 15a. Domestic transactions with U.S. cards (merchants/payees within the U.S.) 15b. Cross-border transactions with U.S. cards (merchants/payees outside the U.S.) 16. Cross-border transactions with non-U.S. cards (merchants/payees within the U.S.) Fraudulent transactions by payee location 17. 18. Allocate your response to 10. Total fraudulent transactions based on the location of the payee: 17a. Fraudulent domestic transactions with U.S. cards (merchant/payees within the U.S.) 17b. Fraudulent cross-border transactions with U.S. cards (merchants/payees outside the U.S.) Fraudulent cross-border transactions with non-U.S. cards (merchants/payees within the U.S.) Transaction value distribution 19. Allocate your response [your selection of payment transaction type above] to the following categories: 19a. Transactions with less than $5.00 in total value 19b. Transactions with $5.00 to $9.99 in total value 19c. Transactions with $10.00 to $14.99 in total value 19d. Transactions with $15.00 to $24.99 in total value 19e. Transactions with $25.00 to $49.99 in total value 19f. Transactions with $50.00 to $99.99 in total value 19g. Transactions with $100.00 to $499.99 in total value 19h. Transactions with $500.00 to $999.99 in total value 19i. Transactions with $1,000.00 or greater in total value 7 2016 Networks, Processors, and Issuers Payments Surveys General-Purpose Credit Card Network Payment Survey Preferred basis for reporting card activity 20. Active cards are cards that were used to make at least one purchase or bill payment over a period of time. On which basis would you prefer to report active cards below? If you have no preference, please choose 1 year. [ ] 1 month [ ] 3 months [ ] 6 months [ ] 1 year [ ] Other, please describe below: ______________________________________ Number of cards outstanding 21. Active cards Total cards Number of active and total credit or charge cards outstanding as of December 31, 2014 21a. Consumer cards 21b. Business/government cards Include corporate charge cards, small business cards, commercial/travel entertainment, procurement, fleet and other business cards. 22. Number of active and total credit or charge cards outstanding as of December 31, 2015. 22a. Consumer cards 22b. Business/government cards Include corporate charge cards, small business cards, commercial/travel entertainment, procurement, fleet and other business cards. 23. Allocate your response to 21. Number of active and total credit or charge cards outstanding as of December 31, 2014 to the following categories: 23a. Cards with chip technology 23b. Cards without chip technology 24. Allocate your response to 22. Number of active and total credit or charge cards outstanding as of December 31, 2015 to the following categories: 24a. Cards with chip technology 24b. Cards without chip technology 25. 26. Number of active and total credit or charge cards provisioned to a mobile wallet as of December 31, 2014 Number of active and total credit or charge cards provisioned to a mobile wallet as of December 31, 2015 Number of merchant card-acceptance terminals that accepted your network brands 27. Number of merchant card-acceptance terminals as of December 31, 2014 27a. Chip-accepted terminals 27b. Chip-not-accepted terminals 28. Number of merchant card-acceptance terminals as of December 31, 2015 28a. Chip-accepted terminals 28b. Chip-not-accepted terminals 8 2016 Networks, Processors, and Issuers Payments Surveys Total terminal Private-Label Credit Card Merchant Issuer Payment Survey Calendar year 2015 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 private-label credit card transaction processing for only part of 2015, please indicate the period of time in 2015 that your organization did not outsource: 100% in-house [ ] From Partially outsourced [ ] Fully outsourced [ ] To mm/dd (2015): mm/dd (2015): 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. If fully or partially outsourced, please indicate the name of the receivables owner: 100% in-house [ ] Partially outsourced [ ] Fully outsourced [ ] 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. Calendar year 2015 private-label credit cards transactions 3. Total transactions 3a. 4. Total authorized transactions = 3 - 3a 4a. 5. 6. Less: Denials (authorization declined) Less: Pre-authorization only (authorized but not settled) Net, authorized & settled transactions = 4 - 4a 5a. Less: Cash advances 5b. Less: Adjustments and returns = 5b.1 + 5b.2 5b.1. Chargebacks (issuer-initiated) 5b.2. Other adjustments and returns (acquirer-initiated) Net, purchase transactions = 5 - 5a - 5b 9 2016 Networks, Processors, and Issuers Payments Surveys Number Value ($) Private-Label Credit Card Merchant Issuer Payment Survey 7. Preferred basis for reporting payment transactions Among the different subtotals of payment transactions listed above, which would you prefer to use to report more detailed allocations of transactions below? If they are equally acceptable, please choose and report net, authorized & settled transactions. [ ] 4. Total authorized transactions [ ] 5. Net, authorized & settled transactions [ ] 6. Net, purchase transactions Payment transaction type 8. Allocate your response to [your selection of payment transaction type above] to the following categories: 8a. 8b. 9. 10. Number Person-present/merchant point-of-sale transactions Include all transactions where the cardholder is present, including cardpresent transactions and mobile transactions at the point of sale. Include both attended and unattended transactions at merchant locations and inapp transactions where the customer is picking up the product or service. 8a.1. Chip 8a.2. No chip (magnetic stripe/key entered/other) Remote transactions (person not at merchant location) Include internet, mail-order, telephone-order, and remote mobile transactions. Do not include person-present mobile transactions. Include remote transactions even if classified as “card-present” because of the level of authentication. Allocate your response to 8a. Person-present/merchant point-of-sale transactions to the following categories: 9a. Transactions initiated with a mobile device 9b. Transactions not initiated with a mobile device Allocate your response to 8b. Remote transactions (person not at merchant location) to the following categories: 10a. Transactions initiated with a mobile device 10b. Transactions not initiated with a mobile device 10 2016 Networks, Processors, and Issuers Payments Surveys Value ($) Private-Label Credit Card Merchant Issuer Payment Survey 11. Preferred basis for reporting fraudulent transactions Some organizations may track fraudulent transactions differently than payment transactions. On which basis would you prefer to report fraudulent transactions below? If they are equally acceptable, please choose and report net, authorized & settled transactions. [ ] 4. Total authorized transactions [ ] 5. Net, authorized & settled transactions [ ] 6. Net, purchase transactions Fraudulent transaction type 12. Number Total fraudulent transactions Include unauthorized transactions committed by a third-party who is not the authorized accountholder or cardholder that resulted in losses incurred even if subsequently recovered. Do not include declined transactions. 12a. Lost or stolen card Include fraudulent transactions that resulted from the use of a lost or stolen card. 12b. Card issued but not received Include fraudulent transactions that resulted from use of an intercepted new or replacement card in transit to a cardholder. 12c. Fraudulent application (account issued to someone using a fake identity) Include fraudulent transactions that resulted from a new card that was issued based on a falsified or stolen identity. 12d. Counterfeit card (card-present/stolen card data) Include fraudulent transactions that were perpetrated at the point of sale by someone using an altered or cloned card based on card account details fraudulently obtained. 12e. Fraudulent use of account number (card-not-present/stolen card data) Include fraudulent transactions that were perpetrated remotely (that is, via telephone, mail, or Internet) using card account details fraudulently obtained. 12f. Other Include all other fraudulent transactions not covered above. In particular, "other" covers a form of identity theft whereby an unauthorized party gains access to and use of an existing card account. Include account takeover. 13. Allocate your response to 12. Total fraudulent transactions to the following categories: 13a. Fraudulent person-present/merchant point-of-sale transactions 13a.1. Chip 13a.2. No chip (magnetic stripe/key entered/other) 13b. Fraudulent remote transactions (person not at merchant location) 14. Allocate your response to 13a. Fraudulent person-present/merchant point-of-sale transactions to the following categories: 14a. Fraudulent transactions initiated with a mobile device 14b. Fraudulent transactions not initiated with a mobile device 11 2016 Networks, Processors, and Issuers Payments Surveys Value ($) Private-Label Credit Card Merchant Issuer Payment Survey 15. Allocate your response to 13b. Fraudulent remote transactions (person not at merchant location) to the following categories: 15a. Fraudulent transactions initiated with a mobile device 15b. Fraudulent transactions not initiated with a mobile device Transactions by consumer or business/government 16. Number Value ($) Number Value ($) Allocate your response to [your selection of payment transaction type above] to the following categories: 16a. Consumer transactions Transactions made by a consumer cardholder. 16b. Business/government transactions Transactions made by a business/government cardholder. Include corporate charge, small business, commercial/travel entertainment, procurement, fleet and other business cards. Transaction value distribution 17. Allocate your response to [your selection of payment transaction type above] to the following categories: 17a. Transactions with less than $5.00 in total value 17b. Transactions with $5.00 to $9.99 in total value 17c. Transactions with $10.00 to $14.99 in total value 17d. Transactions with $15.00 to $24.99 in total value 17e. Transactions with $25.00 to $49.99 in total value 17f. Transactions with $50.00 to $99.99 in total value 17g. Transactions with $100.00 to $499.99 in total value 17h. Transactions with $500.00 to $999.00 in total value 17i. Transactions with $1,000.00 or greater in total value 12 2016 Networks, Processors, and Issuers Payments Surveys Private-Label Credit Card Merchant Issuer Payment Survey Preferred basis for reporting card activity 18. Active cards are cards that were used to make at least one purchase or bill payment over a period of time. On which basis would you prefer to report active cards below? If you have no preference, please choose 1 year. [ ] 1 month [ ] 3 months [ ] 6 months [ ] 1 year [ ] Other, please describe below: ______________________________________ Number of cards outstanding 19. Active cards Number of active and total credit or charge cards outstanding as of December 31, 2014 19a. Consumer cards 19b. Business/government cards Include corporate charge cards, small business cards, commercial/travel entertainment, procurement, fleet and other business cards. 20. Number of active and total credit or charge cards outstanding as of December 31, 2015 20a. Consumer cards 20b. Business/government cards Include corporate charge cards, small business cards, commercial/travel entertainment, procurement, fleet and other business cards. 21. Allocate your response to 19. Number of active and total credit or charge cards outstanding as of December 31, 2014 to the following categories: 21a. Cards with chip technology 21b. Cards without chip technology 22. Allocate your response to 20. Number of active and total credit or charge cards outstanding as of December 31, 2015 to the following categories: 22a. Cards with chip technology 22b. Cards without chip technology 23. 24. Number of active and total credit or charge cards provisioned to a mobile wallet as of December 31, 2014 Number of active and total credit or charge cards provisioned to a mobile wallet as of December 31, 2015 13 2016 Networks, Processors, and Issuers Payments Surveys Total cards Private-Label Credit Card Processor Payment Survey Calendar year 2015 transaction processing 1. Which of the following describes your organization’s private-label credit card processing services? (Please check all that apply) 1a. Owned receivables [ ] Processed transactions [ ] Number Value ($) If your organization only owned receivables, please list its processor(s): Calendar year 2015 private-label credit card transactions 2. Total transactions 2a. 3. Total authorized transactions = 2 - 2a 3a. 4. 5. 6. Less: Denials (authorization declined) Less: Pre-authorization only (authorized but not settled) Net, authorized & settled transactions = 3 - 3a 4a. Less: Cash advances 4b. Less: Adjustments and returns = 4b.1 + 4b.2 4b.1. Chargebacks (issuer-initiated) 4b.2. Other adjustments and returns (acquire-initiated) Net, purchase transactions = 4 - 4a - 4b Preferred basis for reporting payment transactions Among the different subtotals of payment transactions listed above, which would you prefer to use to report more detailed allocations of transactions below? If they are equally acceptable, please choose and report net, authorized & settled transactions. [ ] 3. Total authorized transactions [ ] 4. Net, authorized & settled transactions [ ] 5. Net, purchase transactions Payment transaction type 7. Number Allocate your response to [your selection of payment transaction type above] to the following categories: 7a. 7b. Person-present/merchant point-of-sale transactions Include all transactions where the cardholder is present, including cardpresent transactions and mobile transactions at the point of sale. Include both attended and unattended transactions at merchant locations and inapp transactions where the customer is picking up the product or service. 7a.1. Chip 7a.2. No chip (magnetic stripe/key/entered/other) Remote transaction (person not at merchant location) Include internet, mail-order, telephone-order, and remote mobile transactions. Do not include person-present mobile transactions. Include remote transactions even if classified as “card-present” because of the level of authentication. 14 2016 Networks, Processors, and Issuers Payments Surveys Value ($) Private-Label Credit Card Processor Payment Survey 8. 9. 10. Allocate your response to 7a. Person-present/merchant point-of-sale transactions to the following categories: 8a. Transactions initiated with a mobile device 8b. Transactions not initiated with a mobile device Allocate your response to 7b. Remote transactions (person not at merchant location) to the following categories: 9a. Transactions initiated with a mobile device 9b. Transactions not initiated with a mobile device Preferred basis for reporting fraudulent transactions Some organizations may track fraudulent transactions differently than payment transactions. On which basis would you prefer to report fraudulent transactions below? If they are equally acceptable, please choose and report net, authorized & settled transactions. [ ] 3. Total authorized transactions [ ] 4. Net, authorized & settled transactions [ ] 5. Net, purchase transactions Number Fraudulent transaction type 11. Total fraudulent transactions Include unauthorized transactions committed by a third-party who is not the authorized accountholder or cardholder that resulted in losses incurred even if subsequently recovered. Do not include declined transactions. 11a. Lost or stolen card Include fraudulent transactions that resulted from the use of a lost or stolen card. 11b. Card issued but not received Include fraudulent transactions that resulted from use of an intercepted new or replacement card in transit to a cardholder. 11c. Fraudulent application (account issued to someone using a fake identity) Include fraudulent transactions that resulted from a new card that was issued based on a falsified or stolen identity. 11d. Counterfeit card (card-present/stolen card data) Include fraudulent transactions that were perpetrated at the point of sale by someone using an altered or cloned card based on card account details fraudulently obtained. 11e. Fraudulent use of account number (card-not-present/stolen card data) Include fraudulent transactions that were perpetrated remotely (that is, via telephone, mail, or Internet) using card account details fraudulently obtained. 11f. Other Include all other fraudulent transactions not covered above. In particular, "other" covers a form of identity theft whereby an unauthorized party gains access to and use of an existing card account. Include account takeover. 15 2016 Networks, Processors, and Issuers Payments Surveys Value ($) Private-Label Credit Card Processor Payment Survey 12. Allocate your response to 11. Total fraudulent transactions to the following categories: 12a. Fraudulent person-present/merchant point-of-sale transactions 12a.1. Chip 12a.2. No chip (magnetic stripe/key entered/other) 12b. Fraudulent remote transactions (person not at merchant location) 13. Allocate your response to 12a. Fraudulent person-present/merchant point-of-sale transactions to the following categories: 13a. Fraudulent transactions initiated with a mobile device 13b. Fraudulent transactions initiated without a mobile device 14. Allocate your response to 12b. Fraudulent remote transactions (person not at merchant location) to the following categories: 14a. Fraudulent transactions initiated with a mobile device 14b. Fraudulent transactions not initiated with a mobile device Transactions by consumer or business/government 15. Number Value ($) Number Value ($) Allocate your response to [your selection of payment transaction type above] to the following categories: 15a. Consumer transactions Transactions made by a consumer cardholder. 15b. Business/government transactions Transactions made by a business/government cardholder. Include corporate charge, small business, commercial/travel entertainment, procurement, fleet and other business cards. Transaction value distribution 16. Allocate your response to [your selection of payment transaction type above] to the following categories: 16a. Transactions with less than $5.00 in total value 16b. Transactions with $5.00 to $9.99 in total value 16c. Transactions with $10.00 to $14.99 in total value 16d. Transactions with $15.00 to $24.99 in total value 16e. Transactions with $25.00 to $49.99 in total value 16f. Transactions with $50.00 to $99.99 in total value 16g. Transactions with $100.00 to $499.99 in total value 16h. Transactions with $500.00 to $999.00 in total value 16i. Transactions with $1,000.00 or greater in total value 16 2016 Networks, Processors, and Issuers Payments Surveys Private-Label Credit Card Processor Payment Survey Preferred basis for reporting card activity 17. Active cards are cards that were used to make at least one purchase or bill payment over a period of time. On which basis would you prefer to report active cards below? If you have no preference, please choose 1 year. [ ] 1 month [ ] 3 months [ ] 6 months [ ] 1 year [ ] Other, please describe below: ______________________________________ Number of cards outstanding 18. Active cards Number of active and total credit or charge cards outstanding as of December 31, 2014 18a. Consumer cards 18b. Business/government cards Include corporate charge cards, small business cards, commercial/travel entertainment, procurement, fleet and other business cards. 19. Number of active and total credit or charge cards outstanding as of December 31, 2015 19a. Consumer cards 19b. Business/government cards Include corporate charge cards, small business cards, commercial/travel entertainment, procurement, fleet and other business cards. 20. Allocate your response to 18. Number of active and total credit or charge cards outstanding as of December 31, 2014 to the following categories: 20a. Cards with chip technology 20b. Cards without chip technology 21. Allocate your response to 19. Number of active and total credit or charge cards outstanding as of December 31, 2015 to the following categories: 21a. Cards with chip technology 21b. Cards without chip technology 22. Number of active and total credit or charge cards provisioned to a mobile wallet as of December, 2014 23. Number of active and total credit or charge cards provisioned to a mobile wallet as of December, 2015 17 2016 Networks, Processors, and Issuers Payments Surveys Total cards General-Purpose Debit Card Network Payment Survey Calendar year 2015 debit card transactions 1. 4. 5. Less: Denials (authorization declined) Total authorized transactions = 1 - 1a 2a. 3. Value ($) Total transactions Do not include electronic benefits transfer (EBT) card or ATM transactions. 1a. 2. Number Less: Pre-authorization only (authorized but not settled) Net, authorized & settled transactions = 2 - 2a 3a. Less: Cash-back at the point of sale 3b. Less: Adjustments and returns = 3b.1 + 3b.2 3b.1. Chargebacks (issuer-initiated) 3b.2. Other adjustments and returns (acquirer-initiated) Net, purchase transactions = 3 - 3b for Number, = 3 - 3a - 3b for Value A point of sale purchase transaction with cash-back is counted as one transaction. Do not subtract the number of cash-back transactions. Only subtract the cash back amount for value. Preferred basis for reporting payment transactions Among the different subtotals of payment transactions listed above, which would you prefer to use to report more detailed allocations of transactions below? If they are equally acceptable, please choose and report net, authorized & settled transactions. [ ] 2. Total authorized transactions [ ] 3. Net, authorized & settled transactions [ ] 4. Net, purchase transactions Payment transaction type 6. Number Allocate your response to [your selection of payment transaction type above] to the following categories: 6a. Person-present/merchant point-of-sale transactions Include all transactions where the cardholder is present, including cardpresent transactions and mobile transactions at the point of sale. Include both attended and unattended transactions at merchant locations and inapp transactions where the customer is picking up the product or service. 6a.1. Chip 6a.1.1. Signature-authenticated 6a.1.2. PIN-authenticated 6a.1.3. Other/no signature required 18 2016 Networks, Processors, and Issuers Payments Surveys Value ($) General-Purpose Debit Card Network Payment Survey 6a.2. No chip (magnetic stripe/key entered/other) 6a.2.1. Signature-authenticated 6a.2.2. PIN-authenticated 6a.2.3. Other/no signature required 6b. Remote transactions (person not at merchant location) Include internet, mail-order, telephone-order, and remote mobile transactions. Do not include person-present mobile transactions. Include remote transactions even if classified as “card-present” because of the level of authentication. 6b.1. Mail-order/telephone-order transactions 6b.2. Internet purchase transactions (E-commerce) 6b.2.1. Two-factor authentication (e.g., 3-D Secure) 6b.2.2. Other 6b.3. 6b.4. 6b.5. 7. Other/unknown Allocate your response to 6a. Person-present/merchant point-of-sale transactions to the following categories: 7a. 7b. 8. Recurring transactions Include payment of bills or invoices, often on a prearranged basis, based on an ongoing customer relationship. Installment transactions Include payments made on an installment basis. Transactions initiated with a mobile device 7a.1. Tokenized 7a.2. Other Transactions not initiated with a mobile device 7b.1. Tokenized 7b.2. Other Allocate your response to 6b. Remote transactions (person not at merchant location) to the following categories: 8a. 8b. Transactions initiated with a mobile device 8a.1. Tokenized 8a.2. Other Transactions not initiated with a mobile device 8b.1. Tokenized 8b.2. Other 19 2016 Networks, Processors, and Issuers Payments Surveys General-Purpose Debit Card Network Payment Survey 9. Preferred basis for reporting fraudulent transactions Some organizations may track fraudulent transactions differently than payment transactions. On which basis would you prefer to report fraudulent transactions below? If they are equally acceptable, please choose and report net, authorized & settled transactions. [ ] 2. Total authorized transactions [ ] 3. Net, authorized & settled transactions [ ] 4. Net, purchase transactions Fraudulent transaction type 10. Number Total fraudulent transactions Include unauthorized transactions committed by a third-party who is not the authorized accountholder or cardholder that resulted in losses incurred even if subsequently recovered. Do not include declined transactions. 10a. Lost or stolen card Include fraudulent transactions that resulted from the use of a lost or stolen card. 10b. Card issued but not received Include fraudulent transactions that resulted from use of an intercepted new or replacement card in transit to a cardholder. 10c. Fraudulent application (account issued to someone using a fake identity) Include fraudulent transactions that were perpetrated at the point of sale by someone using an altered or cloned card based on card account details fraudulently obtained. 10d. Counterfeit card (card-present/stolen card data) Include fraudulent transactions that were perpetrated at the point of sale by someone using an altered or cloned card based on card account details fraudulently obtained. 10e. Fraudulent use of account number (card-not-present/stolen card data) Include fraudulent transactions that were perpetrated remotely (that is, via telephone, mail, or Internet) using card account details fraudulently obtained. 10f. Other Include all other fraudulent transactions not covered above. In particular, "other" covers a form of identity theft whereby an unauthorized party gains access to and use of an existing card account. Include account takeover. 11. Allocate your response to 10. Total fraudulent transactions to the following categories: 11a. Fraudulent person-present/merchant point-of-sale transactions 11a.1. Chip 11a.1.1. Signature-authenticated 11a.1.2. PIN-authenticated 11a.1.3. Other/no signature required 20 2016 Networks, Processors, and Issuers Payments Surveys Value ($) General-Purpose Debit Card Network Payment Survey 11a.2. No chip (magnetic stripe/key entered/other) 11a.2.1. Signature-authenticated 11a.2.2. PIN-authenticated 11a.2.3. Other/no signature required 11b. Fraudulent remote transactions (person not at merchant location) 11b.1. Mail-order/telephone-order transactions 11b.2. Internet purchase transactions (E-commerce) 11b.2.1. Two-factor authentication (e.g., 3-D Secure) 11b.2.2. Other 11b.3. Recurring transactions 11b.4. Installment transactions 11b.5. Other/unknown 12. Allocate your response to 11a. Fraudulent person-present/merchant point-of-sale transactions to the following categories: 12a. Fraudulent transactions initiated with a mobile device 12a.1. Tokenized 12a.2. Other 12b. Fraudulent transactions not initiated with a mobile device 12b.1. Tokenized 12b.2. Other 13. Allocate your response to 11b. Fraudulent remote transactions (person not at merchant location) to the following categories: 13a. Fraudulent transactions initiated with a mobile device 13a.1. Tokenized 13a.2. Other 13b. Fraudulent transactions not initiated with a mobile device 13b.1. Tokenized 13b.2. Other 21 2016 Networks, Processors, and Issuers Payments Surveys General-Purpose Debit Card Network Payment Survey Transactions by consumer or business/government 14. Number Value ($) Number Value ($) Number Value ($) Number Value ($) Allocate your response to [your selection of payment transaction type above] to the following categories: 14a. Consumer transactions Transactions made by a consumer cardholder. 14b. Business/government transactions Transactions made by a business/government cardholder. Include small business, commercial/travel entertainment, procurement, fleet and other business cards. Transactions by payee location 15. Allocate your response to [your selection of payment transaction type above] based on the location of the payee: 15a. Domestic transactions with U.S. cards (merchants/payees within the U.S.) 15b. Cross-border transactions with U.S. cards (merchants/payees outside the U.S.) 16. Cross-border transactions with non-U.S. cards (merchants/payees within the U.S.) Fraudulent transactions by payee location 17. Allocate your response to 10. Total fraudulent transactions based on the location of the payee: 17a. Fraudulent domestic transactions with U.S. cards (merchants/payees within the U.S.) 17b. Fraudulent cross-border transactions with U.S. cards (merchants/payees outside the U.S.) 18. Fraudulent cross-border transactions with non-U.S. cards (merchants/payees within the U.S.) Transaction value distribution 19. Allocate your response to [your selection of payment transaction type above] to the following categories: 19a. Transactions with less than $5.00 in total value 19b. Transactions with $5.00 to $9.99 in total value 19c. Transactions with $10.00 to $14.99 in total value 19d. Transactions with $15.00 to $24.99 in total value 19e. Transactions with $25.00 to $49.99 in total value 19f. Transactions with $50.00 to $99.99 in total value 19g. Transactions with $100.00 to $499.99 in total value 19h. Transactions with $500.00 to $999.00 in total value 19i. Transactions with $1,000.00 or greater in total value 22 2016 Networks, Processors, and Issuers Payments Surveys General-Purpose Debit Card Network Payment Survey Preferred basis for reporting card activity 20. Active cards are cards that were used to make at least one purchase or bill payment over a period of time. On which basis would you prefer to report active cards below? If you have no preference, please choose 1 year. [ ] 1 month [ ] 3 months [ ] 6 months [ ] 1 year [ ] Other, please describe below: ______________________________________ Number of cards outstanding 21. Active cards Total cards Number of active and total debit cards outstanding as of December 31, 2014 21a. Consumer cards 21b. Business/government cards Include small business cards, commercial/travel entertainment, procurement, fleet and other business cards. 22. Number of active and total debit cards outstanding as of December 31, 2015 22a. Consumer cards 22b. Business/government cards Include small business cards, commercial/travel entertainment, procurement, fleet and other business cards. 23. Allocate your response to 21. Number of active and total debit cards outstanding as of December 31, 2014 to the following categories: 23a. Cards with chip technology 23b. Cards without chip technology 24. Allocate your response to 22. Number of active and total debit cards outstanding as of December 31, 2015 to the following categories: 24a. Cards with chip technology 24b. Cards without chip technology 25. Number of active and total debit cards provisioned to a mobile wallet as of December 31, 2014 26. Number of active and total debit cards provisioned to a mobile wallet as of December 31, 2015 Number of merchant card-acceptance terminals that accepted your network brands 27. Number of merchant card-acceptance terminals as of December 31, 2014 27a. Chip-accepted terminal 27b. Chip-not-accepted terminals 28. Number of merchant card-acceptance terminals as of December 31, 2015 28a. Chip-accepted terminals 28b. Chip-not-accepted terminals 23 2016 Networks, Processors, and Issuers Payments Surveys Total terminals General-Purpose Prepaid Card Network Payment Survey Calendar year 2015 general-purpose prepaid card transactions 1. 4. 5. Less: Denials (authorization declined) Total authorized transactions = 1 - 1a 2a. 3. Value ($) Total transactions Do not include electronic benefits transfer (EBT) card or ATM transactions. 1a. 2. Number Less: Pre-authorization only (authorized but not settled) Net, authorized & settled transactions = 2 - 2a 3a. Less: Cash-back at the point of sale 3b. Less: Adjustments and returns = 3b.1 + 3b.2 3b.1. Chargebacks (issuer-initiated) 3b.2. Other adjustments and returns (acquirer-initiated) Net, purchase transactions = 3 - 3b for Number, = 3 - 3a - 3b for Value A point of sale purchase transaction with cash-back is counted as one transaction. Do not subtract the number of cash-back transactions. Only subtract the cash back amount for value. Preferred basis for reporting payment transactions Among the different subtotals of payment transactions listed above, which would you prefer to use to report more detailed allocations of transactions below? If they are equally acceptable, please choose and report net, authorized & settled transactions. [ ] 2. Total authorized transactions [ ] 3. Net, authorized & settled transactions [ ] 4. Net, purchase transactions Payment transaction type 6. Number Allocate your response to [your selection of payment transaction type above] to the following categories: 6a. Person-present/merchant point-of-sale transactions Include all transactions where the cardholder is present, including cardpresent transactions and mobile transactions at the point of sale. Include both attended and unattended transactions at merchant locations and inapp transactions where the customer is picking up the product or service. 6a.1. Chip 6a.1.1. Signature-authenticated 6a.1.2. PIN-authenticated 6a.1.3. Other/no signature required 24 2016 Networks, Processors, and Issuers Payments Surveys Value ($) General-Purpose Prepaid Card Network Payment Survey 6a.2. 6b. Signature-authenticated 6a.2.2. PIN-authenticated 6a.2.3. Other/no signature required 6b.1. Mail-order/telephone-order transactions 6b.2. Internet purchase transactions (E-commerce) 6b.4. 6b.5. 6b.2.1. Two-factor authentication (e.g., 3-D Secure) 6b.2.2. Other Recurring transactions Include payment of bills or invoices, often on a prearranged basis, based on an ongoing customer relationship. Installment transactions Include payments made on an installment basis. Other/unknown Allocate your response to 6a. Person-present/merchant point-of-sale transactions to the following categories: 7a. 7b. 8. 6a.2.1. Remote transactions (person not at merchant location) Include internet, mail-order, telephone-order, and remote mobile transactions. Do not include person-present mobile transactions. Include remote transactions even if classified as “card-present” because of the level of authentication. 6b.3. 7. No chip (magnetic stripe/key entered/other) Transactions initiated with a mobile device 7a.1. Tokenized 7a.2. Other Transactions not initiated with a mobile device 7b.1. Tokenized 7b.2. Other Allocate your response to 6b. Remote transaction (person not at merchant location) to the following categories: 8a. 8b. Transactions initiated with a mobile device 8a.1. Tokenized 8a.2. Other Transactions not initiated with a mobile device 8b.1. Tokenized 8b.2. Other 25 2016 Networks, Processors, and Issuers Payments Surveys General-Purpose Prepaid Card Network Payment Survey 9. Preferred basis for reporting fraudulent transactions Some organizations may track fraudulent transactions differently than payment transactions. On which basis would you prefer to report fraudulent transactions below? If they are equally acceptable, please choose and report net, authorized & settled transactions. [ ] 2. Total authorized transactions [ ] 3. Net, authorized & settled transactions [ ] 4. Net, purchase transactions Fraudulent transaction type 10. Number Total fraudulent transactions Include unauthorized transactions committed by a third-party who is not the authorized accountholder or cardholder that resulted in losses incurred even if subsequently recovered. Do not include declined transactions. 10a. Lost or stolen card Include fraudulent transactions that resulted from the use of a lost or stolen card. 10b. Card issued but not received Include fraudulent transactions that resulted from use of an intercepted new or replacement card in transit to a cardholder. 10c. Fraudulent application (account issued to someone using a fake identity) Include fraudulent transactions that resulted from a new card that was issued based on a falsified or stolen identity. 10d. Counterfeit card (card-present/stolen card data) Include fraudulent transactions that were perpetrated at the point of sale by someone using an altered or cloned card based on card account details fraudulently obtained. 10e. Fraudulent use of account number (card-not-present/stolen card data) Include fraudulent transactions that were perpetrated remotely (that is, via telephone, mail, or Internet) using card account details fraudulently obtained. 10f. Other Include all other fraudulent transactions not covered above. In particular, "other" covers a form of identity theft whereby an unauthorized party gains access to and use of an existing card account. Include account takeover. 11. Allocate your response to 10. Total fraudulent transactions to the following categories: 11a. Fraudulent person-present/merchant point-of-sale transactions 11a.1. Chip 11a.1.1. Signature-authenticated 11a.1.2. PIN-authenticated 11a.1.3. Other/no signature required 11a.2. No chip (magnetic stripe/key entered/other) 11a.2.1. Signature-authenticated 11a.2.2. PIN-authenticated 11a.2.3. Other/no signature required 26 2016 Networks, Processors, and Issuers Payments Surveys Value ($) General-Purpose Prepaid Card Network Payment Survey 11b. Fraudulent remote transactions (person not at merchant location) 11b.1. Mail-order/telephone-order transactions 11b.2. Internet purchase transactions (E-commerce) 11b.2.1. Two-factor authentication (e.g., 3-D Secure) 11b.2.2. Other 11b.3. Recurring transactions 11b.4. Installment transactions 11b.5. Other/unknown 12. Allocate your response to 11a. Fraudulent person-present/merchant point-of-sale transactions to the following categories: 12a. Fraudulent transactions initiated with a mobile device 12a.1. Tokenized 12a.2. Other 12b. Fraudulent transactions not initiated with a mobile device 12b.1. Tokenized 12b.2. Other 13. Allocate your response to 11b. Fraudulent remote transactions (person not at merchant location) to the following categories: 13a. Fraudulent transactions initiated with a mobile device 13a.1. Tokenized 13a.2. Other 13b. Fraudulent transactions not initiated with a mobile device 13b.1. Tokenized 13b.2. Other 27 2016 Networks, Processors, and Issuers Payments Surveys General-Purpose Prepaid Card Network Payment Survey Transactions by consumer or business/government 14. Number Value ($) Number Value ($) Number Value ($) Number Value ($) Allocate your response [your selection of payment transaction type above] to the following categories: 14a. Consumer transactions Transactions made by a consumer cardholder. 14a.1. Government-administered general-use transactions Include state and federal programs with cash benefits s (e.g., TANF, Social Security, unemployment) and may use the Quest rule. 14a.2. Other consumer transactions 14b. Business/government transactions Transactions made by a business/government cardholder. Transaction by card program type 15. Allocate your response to [your selection of payment transaction type above] based on the card program type: 15a. Reloadable cards 15b. Non-reloadable cards Transactions by payee location 16. Allocate your response to [your selection of payment transaction type above] based on the location of the payee: 16a. Domestic transactions with U.S. cards (merchants/payees within the U.S.) 16b. Cross-border transactions with U.S. cards (merchants/payees outside the U.S.) 17. Cross-border transactions with non-U.S. cards (merchants/payees within the U.S.) Fraudulent transactions by payee location 18. Allocate your response to 10. Total fraudulent transactions based on the location of the payee: 18a. Fraudulent domestic transactions with U.S. cards (merchants/payees within the U.S.) 18b. Fraudulent cross-border transactions with U.S. cards (merchants/payees outside the U.S.) 19. Fraudulent cross-border transactions with non-U.S. cards (merchants/payees within the U.S.) 28 2016 Networks, Processors, and Issuers Payments Surveys General-Purpose Prepaid Card Network Payment Survey Transaction value distribution 20. Number Value ($) Allocate your response to [your selection of payment transaction type above] to the following categories: 20a. Transactions with less than $5.00 in total value 20b. Transactions with $5.00 to $9.99 in total value 20c. Transactions with $10.00 to $14.99 in total value 20d. Transactions with $15.00 to $24.99 in total value 20e. Transactions with $25.00 to $49.99 in total value 20f. Transactions with $50.00 to $99.99 in total value 20g. Transactions with $100.00 to $499.99 in total value 20h. Transactions with $500.00 to $999.00 in total value 20i. Transactions with $1,000.00 or greater in total value Preferred basis for reporting card activity 21. Active cards are cards that were used to make at least one purchase or bill payment over a period of time. On which basis would you prefer to report active cards below? If you have no preference, please choose 1 year. [ ] 1 month [ ] 3 months [ ] 6 months [ ] 1 year [ ] Other, please describe below: ______________________________________ Number of cards outstanding 22. Active cards Number of active and total prepaid cards outstanding as of December 31, 2014 22a. Consumer cards 22a.1. Government-administered general-use cards e.g., Quest Network, state and federal programs with cash benefits including TANF, Social Security, and unemployment 22a.2. Other consumer cards Include gift cards, FSA/HSA medical cards, Customer refund & incentive cards, and payroll cards. 22b. Business/government cards 23. Number of active and total prepaid cards outstanding as of December 31, 2015 23a. Consumer cards 23a.1. Government-administered general-use cards e.g., Quest Network, state and federal programs with cash benefits including TANF, Social Security, and unemployment 23a.2. Other consumer cards Include gift cards, FSA/HSA medical cards, Customer refund & incentive cards, and payroll cards. 23b. Business/government cards 29 2016 Networks, Processors, and Issuers Payments Surveys Total cards General-Purpose Prepaid Card Network Payment Survey 24. Allocate your response to 22. Number of active and total prepaid cards outstanding as of December 31, 2014 to the following categories: 24a. Cards with chip technology 24b. Cards without chip technology 25. Allocate your response to 23. Number of active and total prepaid cards outstanding as of December 31, 2015 to the following categories: 25a. Cards with chip technology 25b. Cards without chip technology 26. Number of active and total prepaid cards provisioned to a mobile wallet as of December 31, 2014 27. Number of active and total prepaid cards provisioned to a mobile wallet as of December 31, 2015 Number of merchant card-acceptance terminals that accepted your network brands 28. Number of merchant card-acceptance terminals as of December 31, 2014 28a. Chip-accepted terminals 28b. Chip-not-accepted terminal 29. Number of merchant card-acceptance terminals as of December 31, 2015 29a. Chip-accepted terminals 29b. Chip-not-accepted terminals 30 2016 Networks, Processors, and Issuers Payments Surveys Total terminals Automated Teller Machine Card Network Transaction Survey Calendar year 2015 ATM transactions 1. Value ($) Number Value ($) Total transactions 1a. Denials/declines 1b. Balance inquiries 1c. Cash withdrawals 1c.1. From debit cards 1c.2. From prepaid cards 1c.3. 1d. 1c.2.1. Government-administered general-use cards e.g., Quest Network, state and federal programs with cash benefits including TANF, Social Security, and unemployment 1c.2.2. Other prepaid cards From credit cards Deposits 1d.1. Cash only 1d.2. Checks only 1d.3. Mixed with cash and checks 1e. Account-to-account transfers 1f. Other Fraudulent transactions 2. Number Total fraudulent transactions Include unauthorized transactions committed by a third-party who is not the authorized accountholder or cardholder that resulted in losses incurred even if subsequently recovered. Do not include declined transactions. 2a. Lost or stolen card Include fraudulent transactions that resulted from the use of a lost or stolen card. 2b. Card issued but not received Include fraudulent transactions that resulted from use of an intercepted new or replacement card in transit to a cardholder. 2c. Fraudulent application (account issued to someone using a fake identity) Include fraudulent transactions that resulted from a new card that was issued based on a falsified or stolen identity. 2d. Counterfeit card (card-present/stolen card data) Include fraudulent transactions that were perpetrated at the ATM by someone using an altered or cloned card based on card account details fraudulently obtained. 2e. Other Include all other fraudulent transactions not covered above. In particular, "other" covers a form of identity theft whereby an unauthorized party gains access to and use of an existing card account. Include account takeover. 31 2016 Networks, Processors, and Issuers Payments Surveys Automated Teller Machine Card Network Transaction Survey Number of ATM terminals 3. 4. Total terminals Number of ATM terminals as of December 31, 2014 3a. Chip-accepted terminals 3b. Chip-not-accepted terminals Number of ATM terminals as of December 31, 2015 4a. Chip-accepted terminals 4b. Chip-not-accepted terminals 32 2016 Networks, Processors, and Issuers Payments Surveys General-Purpose Prepaid Card Processor Payment Survey Calendar year 2015 general-purpose prepaid card transactions 1. 4. 5. Less: Denials (authorization declined) Total authorized transactions = 1 - 1a 2a. 3. Value ($) Total transactions Do not include electronic benefits transfer (EBT) transactions. Do not include card funding other than in questions 17, 18 & 19 below. Please report ATM transactions in item 7 below. 1a. 2. Number Less: Pre-authorization only (authorized but not settled) Net, authorized & settled transactions = 2 - 2a 3a. Less: Cash-back at the point of sale 3b. Less: Adjustments and returns = 3b.1 + 3b.2 3b.1. Chargebacks (issuer-initiated) 3b.2. Other adjustments and returns (acquirer-initiated) Net, purchase transactions = 3 - 3b for Number, = 3 - 3a - 3b for Value A point of sale purchase transaction with cash-back is counted as one transaction. Do not subtract the number of cash-back transactions. Only subtract the cash back amount for value. Preferred basis for reporting payment transactions Among the different subtotals of payment transactions listed above, which would you prefer to use to report more detailed allocations of transactions below? If they are equally acceptable, please choose and report net, authorized & settled transactions. [ ] 2. Total authorized transactions [ ] 3. Net, authorized & settled transactions [ ] 4. Net, purchase transactions Payment transaction type 6. Number Allocate your response to [your selection of payment transaction type above] to the following categories: 6a. 6b. Person-present/merchant point-of-sale transactions Include all transactions where the cardholder is present, including cardpresent transactions and mobile transactions at the point of sale. Include both attended and unattended transactions at merchant locations and inapp transactions where the customer is picking up the product or service. 6a.1. Chip 6a.2. No chip (magnetic stripe/key entered/other) Remote transactions (person not at merchant location) Include internet, mail-order, telephone-order, and remote mobile transactions. Do not include person-present mobile transactions. Include remote transactions even if classified as “card-present” because of the level of authentication. 33 2016 Networks, Processors, and Issuers Payments Surveys Value ($) General-Purpose Prepaid Card Processor Payment Survey 7. 8. ATM cash withdrawal transactions 7a. ATM cash withdrawals from government-administered general-use cards Include state and federal programs with cash benefits (e.g., TANF, Social Security, unemployment) and may use the Quest rules. 7b. Other ATM cash withdrawals Preferred basis for reporting fraudulent transactions Some organizations may track fraudulent transactions differently than payment transactions. On which basis would you prefer to report fraudulent transactions below? If they are equally acceptable, please choose and report net, authorized & settled transactions. [ ] 2. Total authorized transactions [ ] 3. Net, authorized & settled transactions [ ] 4. Net, purchase transactions Fraudulent transaction type 9. 10. Number Total fraudulent transactions Include unauthorized transactions committed by a third-party who is not the authorized accountholder or cardholder that resulted in losses incurred even if subsequently recovered. Do not include declined transactions. 9a. Lost or stolen card Include fraudulent transactions that resulted from the use of a lost or stolen card. 9b. Card issued but not received Include fraudulent transactions that resulted from use of an intercepted new or replacement card in transit to a cardholder. 9c. Fraudulent application (account issued to someone using a fake identity) Include fraudulent transactions that resulted from a new card that was issued based on a falsified or stolen identity. 9d. Counterfeit card (card-present/stolen card data) Include fraudulent transactions that were perpetrated at the point of sale by someone using an altered or cloned card based on card account details fraudulently obtained. 9e. Fraudulent use of account number (card-not-present/stolen card data) Include fraudulent transactions that were perpetrated remotely (that is, via telephone, mail, or Internet) using card account details fraudulently obtained. 9f. Other Include all other fraudulent transactions not covered above. In particular, "other" covers a form of identity theft whereby an unauthorized party gains access to and use of an existing card account. Include account takeover. Allocate your response to 9. Total fraudulent transactions to the following categories: 10a. Fraudulent person-present/merchant point-of-sale transactions 10a.1. Chip 10a.2. No chip (magnetic stripe/key entered/other) 10b. Fraudulent remote transactions (person not at merchant location) 34 2016 Networks, Processors, and Issuers Payments Surveys Value ($) General-Purpose Prepaid Card Processor Payment Survey Transactions payee locations 11. Number Value ($) Number Value ($) Number Value ($) Allocate your response to [your selection of payment transaction type above] based on the location of the payee: 11a. Domestic transactions with U.S. cards (merchants/payees within the U.S.) 11b. Cross-border transactions with U.S. cards (merchants/payees outside the U.S.) 12. Cross-border transactions with non-U.S. cards (merchants/payees within the U.S.) Fraudulent transactions payee locations 13. Allocate your response to 9. Total fraudulent transactions based on the location of the payee: 13a. Fraudulent domestic transactions with U.S. cards (merchants/payees within the U.S.) 13b. Fraudulent cross-border transactions with U.S. cards (merchants/payees outside the U.S.) 14. Fraudulent cross-border transactions with non-U.S. cards (merchants/payees within the U.S.) Transactions by prepaid card type 15. Allocate your response to [your selection of payment transaction type above] to the following categories: 15a. Consumer transactions Transactions made by a consumer cardholder. 15a.1. Government-administered general-use prepaid card transactions Include state and federal programs with cash benefits (e.g., TANF, Social Security, unemployment) and may use the Quest rules. 15a.2. Other consumer transactions 15a.2.1. Gift card transactions 15a.2.2. FSA/HSA medical transactions 15a.2.3. Customer refund and incentive transactions 15a.2.4. Payroll transactions 15a.2.5. Other consumer transactions 15b. Business/government transactions Transactions made by a business/government cardholder. 35 2016 Networks, Processors, and Issuers Payments Surveys General-Purpose Prepaid Card Processor Payment Survey Preferred basis for reporting card activity 16. Active cards are cards that were used to make at least one purchase or bill payment over a period of time. On which basis would you prefer to report active cards below? If you have no preference, please choose 1 year. [ ] 1 month [ ] 3 months [ ] 6 months [ ] 1 year [ ] Other, please describe below: ______________________________________ Number of cards outstanding 17. Active cards Number of active and total prepaid cards outstanding as of December 31, 2014 17a. Consumer cards 17a.1. Government-administered general-use cards Include state and federal programs with cash benefits (e.g., TANF, Social Security, unemployment) and may use the Quest rules. 17a.2. Gift cards 17a.3. FSA/HSA medical cards 17a.4. Customer refund & incentive cards 17a.5. Payroll cards 17a.6. Other consumer cards 17b. Business/government Cards 18. Number of active and total prepaid cards outstanding as of December 31, 2015 18a. Consumer cards 18a.1. Government-administered general-use cards Include state and federal programs with cash benefits (e.g., TANF, Social Security, unemployment) and may use the Quest rules. 18a.2. Gift cards 18a.3. FSA/HSA medical cards 18a.4. Customer refund & incentive cards 18a.5. Payroll cards 18a.6. Other consumer cards 18b. Business/government cards 19. Allocate your response to 21. Number of active and total prepaid cards outstanding as of December 31, 2014 to the following categories: 19a. Cards with chip technology 19b. Cards without chip technology 36 2016 Networks, Processors, and Issuers Payments Surveys Total cards General-Purpose Prepaid Card Processor Payment Survey 20. Allocate your response to 22. Number of active and total prepaid cards outstanding as of December 31, 2015 to the following categories: 20a. Cards with chip technology 20b. Cards without chip technology 21. Number of active and total prepaid cards provisioned to a mobile wallet as of December 31, 2014 22. Number of active and total prepaid cards provisioned to a mobile wallet as of December 31, 2015 Number of merchant card-acceptance terminals 23. Number of merchant card-acceptance terminals as of December 31, 2014 23a. Chip-accepted terminals 23b. Chip-not-accepted terminals 24. Number of merchant card-acceptance terminals as of December 31, 2015 24a. Chip-accepted terminals 24b. Chip-not-accepted terminals 37 2016 Networks, Processors, and Issuers Payments Surveys Total terminals Electronic Benefits Transfer Card Processor Payment Survey Calendar year 2015 EBT card transactions 1. 4. 5. Less: Denials (authorization declined) Total authorized transactions = 1 - 1a 2a. 3. Value ($) Total transactions 1a. 2. Number Less: Pre-authorization only (authorized but not settled) Net, authorized & settled transactions = 2 - 2a 3a. Less: Cash-back at the point of sale 3b. Less: Adjustments and returns = 3b.1 + 3b.2 3b.1. Chargebacks (issuer-initiated) 3b.2. Other adjustments and returns (acquirer-initiated) Net, purchase transactions = 3 - 3b for Number, = 3 - 3a - 3b for Value A point of sale purchase transaction with cash-back is counted as one transaction. Do not subtract the number of cash-back transactions. Only subtract the cash back amount for value. Preferred basis for reporting payment transactions Among the different subtotals of payment transactions listed above, which would you prefer to use to report more detailed allocations of transactions below? If they are equally acceptable, please choose and report net, authorized & settled transactions. [ ] 2. Total authorized transactions [ ] 3. Net, authorized & settled transactions [ ] 4. Net, purchase transactions Transactions by EBT card type 6. Number Allocate your response to [your selection of payment transaction type above] to the following categories: 6a. SNAP 6b. WIC 6c. TANF 6d. Other e.g., state and federal programs with cash benefits including Social Security and unemployment 38 2016 Networks, Processors, and Issuers Payments Surveys Value ($) Electronic Benefits Transfer Card Processor Payment Survey 7. Preferred basis for reporting fraudulent transactions Some organizations may track fraudulent transactions differently than payment transactions. On which basis would you prefer to report fraudulent transactions below? If they are equally acceptable, please choose and report net, authorized & settled transactions. [ ] 2. Total authorized transactions [ ] 3. Net, authorized & settled transactions [ ] 4. Net, purchase transactions Fraudulent transaction type 8. Value ($) Number Value ($) Total fraudulent transactions Include unauthorized transactions committed by a third-party who is not the authorized accountholder or cardholder that resulted in losses incurred even if subsequently recovered. Do not include declined transactions. 8a. Lost or stolen card Include fraudulent transactions that resulted from the use of a lost or stolen card. 8b. Card issued but not received Include fraudulent transactions that resulted from use of an intercepted new or replacement card in transit to a cardholder. 8c. Fraudulent application (account issued to someone using a fake identity) Include fraudulent transactions that resulted from a new card that was issued based on a falsified or stolen identity. 8d. Counterfeit card (card-present/stolen card data) Include fraudulent transactions that were perpetrated at the point of sale by someone using an altered or cloned card based on card account details fraudulently obtained. 8e. Fraudulent use of account number (card-not-present/stolen card data) Include fraudulent transactions that were perpetrated remotely (that is, via telephone, mail, or Internet) using card account details fraudulently obtained. 8f. Other Include all other fraudulent transactions not covered above. In particular, "other" covers a form of identity theft whereby an unauthorized party gains access to and use of an existing card account. Include account takeover. Transaction value distribution 9. Number Allocate your response to [your selection of payment transaction type above] to the following categories: 9a. Transactions with less than $5.00 in total value 9b. Transactions with $5.00 to $9.99 in total value 9c. Transactions with $10.00 to $14.99 in total value 9d. Transactions with $15.00 to $24.99 in total value 9e. Transactions with $25.00 to $49.99 in total value 9f. Transactions with $50.00 to $99.99 in total value 9g. Transactions with $100.00 or greater in total value 39 2016 Networks, Processors, and Issuers Payments Surveys Electronic Benefits Transfer Card Processor Payment Survey Preferred basis for reporting card activity 10. Active cards are cards that were used to make at least one purchase or bill payment over a period of time. On which basis would you prefer to report active cards below? If you have no preference, please choose 1 year. [ ] 1 month [ ] 3 months [ ] 6 months [ ] 1 year [ ] Other, please describe below: ______________________________________ Number of cards outstanding 11. Active cards Total cards Number of active and total EBT cards outstanding as of December 31, 2014 11a. SNAP 11b. WIC 11c. TANF 11d. Other e.g., state and federal programs with cash benefits including Social Security and unemployment 12. Number of active and total EBT cards outstanding as of December 31, 2015 12a. SNAP 12b. WIC 12c. TANF 12d. Other e.g., state and federal programs with cash benefits including Social Security and unemployment . Number of merchant card-acceptance terminals 13. Number of merchant card-acceptance terminals as of December 31, 2014 14. Number of merchant card-acceptance terminals as of December 31, 2015 40 2016 Networks, Processors, and Issuers Payments Surveys Total terminals Automated Teller Machine Card Processor Transaction Survey Calendar year 2015 ATM transactions 1. Value ($) Number Value ($) Total ATM transactions 1a. Denials/declines 1b. Balance inquiries 1c. Cash withdrawals 1a.1. From debit cards 1a.2. From prepaid cards 1a.2.1. Government-administered general-use cards e.g., Quest Network, State and Federal programs with cash benefits including TANF, Social Security, and unemployment 1a.2.2. Other prepaid cards 1a.3. 1d. From credit cards Deposits 1d.1. Cash only 1d.2. Checks only 1d.3. Mixed with cash and checks 1e. Account-to-account transfers 1f. Other Fraudulent transaction type 2. Number Total fraudulent transactions Include unauthorized transactions committed by a third-party who is not the authorized accountholder or cardholder that resulted in losses incurred even if subsequently recovered. Do not include declined transactions. 2a. Lost or stolen card Include fraudulent transactions that resulted from the use of a lost or stolen card. 2b. Card issued but not received Include fraudulent transactions that resulted from use of an intercepted new or replacement card in transit to a cardholder. 2c. Fraudulent application (account issued to someone using a fake identity) Include fraudulent transactions that resulted from a new card that was issued based on a falsified or stolen identity. 2d. Counterfeit card (card-present/stolen card data) Include fraudulent transactions that were perpetrated at the point of sale by someone using an altered or cloned card based on card account details fraudulently obtained. 2e. Other Include all other fraudulent transactions not covered above. In particular, "other" covers a form of identity theft whereby an unauthorized party gains access to and use of an existing card account. Include account takeover. 41 2016 Networks, Processors, and Issuers Payments Surveys Automated Teller Machine Card Processor Transaction Survey Number of terminals 3. 4. Total terminals Number of ATM terminals as of December 31, 2014 3a. Chip-accepted terminals 3b. Chip-not-accepted terminals Number of ATM terminals as of December 31, 2015 4a. Chip-accepted terminals 4b. Chip-not-accepted terminals 42 2016 Networks, Processors, and Issuers Payments Surveys Private-Label Prepaid Card Issuer and Processor Payment Survey Calendar year 2015 private-label prepaid card transactions 1. 4. 5. Less: Denials (authorization declined) Total authorized transactions = 1 - 1a 2a. 3. Value ($) Total transactions Do not include card funding other than in questions 16 & 17 below. 1a. 2. Number Less: Pre-authorization only (authorized but not settled) Net, authorized & settled transactions = 2 - 2a 3a. Less: Cash-back at the point of sale 3b. Less: Adjustments and returns = 3b.1 + 3b.2 3b.1. Chargebacks (issuer-initiated) 3b.2. Other adjustments and returns (acquirer-initiated) Net, purchase transactions = 3 - 3b for Number, = 3 - 3a - 3b for Value A point of sale purchase transaction with cash-back is counted as one transaction. Do not subtract the number of cash-back transactions. Only subtract the cash back amount for value. Preferred basis for reporting payment transactions Among the different subtotals of payment transactions listed above, which would you prefer to use to report more detailed allocations of transactions below? If they are equally acceptable, please choose and report net, authorized & settled transactions. [ ] 2. Total authorized transactions [ ] 3. Net, authorized & settled transactions [ ] 4. Net, purchase transactions Payment transaction type 6. Number Allocate your response to [your selection of payment transaction type above] to the following categories: 6a. 6b. Person-present/merchant point-of-sale transactions Include all transactions where the cardholder is present, including cardpresent transactions and mobile transactions at the point of sale. Include both attended and unattended transactions at merchant locations and inapp transactions where the customer is picking up the product or service. 6a.1. Chip 6a.2. No chip Remote transactions (person not at merchant location) Include internet, mail-order, telephone-order, and remote mobile transactions. Do not include person-present mobile transactions. Include remote transactions even if classified as “card-present” because of the level of authentication. 43 2016 Networks, Processors, and Issuers Payments Surveys Value ($) Private-Label Prepaid Card Issuer and Processor Payment Survey 7. Allocate your response to 6a. Person-present/merchant point-of-sale transactions to the following categories: 7a. 7b. 8. 7a.1. Tokenized 7a.2. Other Transactions not initiated with a mobile device 7b.1. Tokenized 7b.2. Other Allocate your response to 6b. Remote transactions (person not at merchant location) to the following categories: 8a. 8b. 9. Transactions initiated with a mobile device Transactions initiated with a mobile device 8a.1. Tokenized 8a.2. Other Transactions not initiated with a mobile device 8b.1. Tokenized 8b.2. Other Preferred basis for reporting fraudulent transactions Some organizations may track fraudulent transactions differently than payment transactions. On which basis would you prefer to report fraudulent transactions below? If they are equally acceptable, please choose and report net, authorized & settled transactions. [ ] 2. Total authorized transactions [ ] 3. Net, authorized & settled transactions [ ] 4. Net, purchase transactions Fraudulent transaction type 10. Number Total fraudulent transactions Include unauthorized transactions committed by a third-party who is not the authorized accountholder or cardholder that resulted in losses incurred even if subsequently recovered. Do not include declined transactions. 10a. Lost or stolen card Include fraudulent transactions that resulted from the use of a lost or stolen card. 10b. Card issued but not received Include fraudulent transactions that resulted from use of an intercepted new or replacement card in transit to a cardholder. 10c. Fraudulent application (account issued to someone using a fake identity) Include fraudulent transactions that resulted from a new card that was issued based on a falsified or stolen identity. 10d. Counterfeit card (card-present/stolen card data) Include fraudulent transactions that were perpetrated at the point of sale by someone using an altered or cloned card based on card account details fraudulently obtained. 44 2016 Networks, Processors, and Issuers Payments Surveys Value ($) Private-Label Prepaid Card Issuer and Processor Payment Survey 10e. Fraudulent use of account number (card-not-present/stolen card data) Include fraudulent transactions that were perpetrated remotely (that is, via telephone, mail, or Internet) using card account details fraudulently obtained. 10f. Other Include all other fraudulent transactions not covered above. In particular, "other" covers a form of identity theft whereby an unauthorized party gains access to and use of an existing card account. Include account takeover. 11. Allocate your response to 10. Total fraudulent transactions to the following categories: 11a. Fraudulent person-present/merchant point-of-sale transactions 11a.1. Chip 11a.2. No chip 11b. Fraudulent remote transactions (person not at merchant location) 12. Allocate your response to 11a. Fraudulent person-present/merchant point-of-sale transactions to the following categories 12a. Fraudulent transactions initiated with a mobile device 12a.1. Tokenized 12a.2. Other 12b. Fraudulent transactions not initiated with a mobile device 12b.1. Tokenized 12b.2. Other 13. Allocate your response to 11b. Fraudulent remote transactions (person not at merchant location) to the following categories: 13a. Fraudulent transactions initiated with a mobile device 13a.1. Tokenized 13a.2. Other 13b. Fraudulent transactions not initiated with a mobile device 13b.1. Tokenized 13b.2. Other 45 2016 Networks, Processors, and Issuers Payments Surveys Private-Label Prepaid Card Issuer and Processor Payment Survey Transactions by prepaid card type 14. Number Value ($) Number Value ($) Number Value ($) Allocate your response to [your selection of payment transaction type above] to the following categories: 14a. Reloadable card transactions 14b. Non-reloadable card transactions 14b.1. Gift card transactions Private-label (e.g., merchant or shopping center-branded) prepaid cards marketed as a gift-giving alternative to cash, checks, and gift certificates or as loyalty cards with payment capabilities. 14b.2. Customer refund & incentive card transactions Cards issued to disburse refunds for returned merchandise and customer incentives such as rebates. 14b.3. Other private-label prepaid card transactions e.g., virtual, eCard Transaction value distribution 15. Allocate your response to [your selection of payment transaction type above] to the following categories: 15a. Transactions with less than $5.00 in total value 15b. Transactions with $5.00 to $9.99 in total value 15c. Transactions with $10.00 to $14.99 in total value 15d. Transactions with $15.00 to $24.99 in total value 15e. Transactions with $25.00 to $49.99 in total value 15f. Transactions with $50.00 to $99.99 in total value 15g. Transactions with $100.00 or greater in total value Card funding - how value was loaded into card account 16. Total credits/loads 16a. Initial loads 16b. Reloads 16c. Other credits/loads 17. Allocate your response to 16. Total credits/loads based on the funding method that was used to credit/load the card: 17a. Cash 17b. Check 17c. General-purpose card (credit, debit or prepaid) 17d. ACH 17e. Other 46 2016 Networks, Processors, and Issuers Payments Surveys Private-Label Prepaid Card Issuer and Processor Payment Survey Cash withdrawals 18. Number Value ($) Approved cash withdrawals Preferred basis for reporting card activity 19. Active cards are cards that were used to make at least one purchase or bill payment over a period of time. On which basis would you prefer to report active cards below? If you have no preference, please choose 1 year. [ ] 1 month [ ] 3 months [ ] 6 months [ ] 1 year [ ] Other, please describe below: ______________________________________ Number of cards outstanding 20. Active cards Number of active and total prepaid cards outstanding as of December 31, 2014 20a. Reloadable cards 20b. Non-reloadable cards 20b.1. Gift cards Private-label (e.g., merchant or shopping center-branded) prepaid cards marketed as a gift-giving alternative to cash, checks, and gift certificates or as loyalty cards with payment capabilities. 20b.2. Customer refund & incentive cards Cards issued to disburse refunds for returned merchandise and customer incentives such as rebates. 20b.3. Other non-reloadable private-label prepaid card e.g., virtual, eCard 21. Number of active and total prepaid cards outstanding as of December 31, 2015 21a. Reloadable cards 21b. Non-reloadable cards 21b.1. Gift cards Private-label (e.g., merchant or shopping center-branded) prepaid cards marketed as a gift-giving alternative to cash, checks, and gift certificates or as loyalty cards with payment capabilities. 21b.2. Customer refund & incentive cards Cards issued to disburse refunds for returned merchandise and customer incentives such as rebates. 21b.3. Other non-reloadable private-label prepaid card e.g., virtual, eCard 47 2016 Networks, Processors, and Issuers Payments Surveys Total cards Person-to-Person and Money Transfer Processor Survey Calendar year 2015 P2P & money transfer transactions 1. 4. 6. 3a. Domestic transactions from U.S.-domiciled accounts (payees within the U.S.) 3b. Cross-border transactions from U.S.-domiciled accounts (payees outside the U.S.) Number Value ($) Number Value ($) Number Value ($) Cross-border transactions from non-U.S.-domiciled accounts (payees within the U.S.) Allocate your response to 2. Total fraudulent transactions based on the location of the payee: 5a. Fraudulent domestic transactions from U.S.-domiciled accounts (payees within the U.S.) 5b. Fraudulent cross-border transactions from U.S.-domiciled accounts (payees outside the U.S.) Fraudulent cross-border transactions from non-U.S.-domiciled accounts (payees within the U.S.) Transaction value distribution 7. Value ($) Allocate your response to 1. Total transactions based on the location of the payee: Fraudulent transactions by payee location 5. Number Total fraudulent transactions Include unauthorized transactions committed by a third-party who is not the authorized accountholder or cardholder that resulted in losses incurred even if subsequently recovered. Do not include declined transactions. Transactions by payee location 3. Value ($) Total transactions Fraudulent transactions 2. Number Allocate your response to 1. Total transactions to the following categories: 7a. Transactions with less than $25.00 in total value 7b. Transactions with $25.00 to $49.99 in total value 7c. Transactions with $50.00 to $99.99 in total value 7d. Transactions with $100.00 to $249.99 in total value 7e. Transactions with $250.00 to $499.99 in total value 7f. Transactions with $500.00 to $999.99 in total value 7g. Transactions with $1,000.00 or greater in total value 48 2016 Networks, Processors, and Issuers Payments Surveys Person-to-Person and Money Transfer Processor Survey Clearing system 8. 8a. Credit card/signature debit networks 8b. EFT/PIN debit networks 8c. ACH 8d. Book transfer e.g., a payment cleared via internal accounting transfer 8e. Other e.g., checks, wire Number Value ($) Number Value ($) Allocate your response to 1. Total transactions based on the channel that was used to originate payment: 9a. Website 9b. Mobile phone via an application or text message 9c. In-person via agent location, kiosk or ATM 9d. Other Fraudulent transaction origination channel 10. Value ($) Allocate your response to 1. Total transactions based on the payment method that was used to transmit payments between consumer accounts: Transaction origination channel 9. Number Allocate your response to 2. Total fraudulent transactions based on the channel that was used to originate payment: 10a. Website 10b. Mobile phone via an application or text message 10c. In-person via agent location, kiosk or ATM 10d. Other 49 2016 Networks, Processors, and Issuers Payments Surveys Online Bill Payment Processor Payment Survey Calendar year 2015 online bill payment transactions 1. 1b. Number Value ($) Number Value ($) Bank/intermediary online bill payment transactions Include direct send/consolidator transactions (e.g., Fiserv, iPay). 1a.1. Transactions initiated with a mobile device 1a.2. Transactions not initiated with a mobile device Biller-direct online bill payment transactions Include electronic billing and payment offered directly from the website of the company providing the good or service (e.g., utilities, mobile phone operators and cable companies). 1b.1. Transactions initiated with a mobile device 1b.2. Transactions not initiated with a mobile device Fraudulent transactions Total fraudulent transactions Include unauthorized transactions committed by a third-party who is not the authorized accountholder or cardholder that resulted in losses incurred even if subsequently recovered. Do not include declined transactions. 2a. Fraudulent bank/intermediary online bill payment transactions 2b. Fraudulent biller-direct online bill payment transactions Transaction value distribution – bank/intermediary online bill payments 3. Value ($) Total bill payment transactions 1a. 2. Number Allocate your response to 1a. Bank/intermediary online bill payment transactions to the following categories: 3a. Transactions with less than $25.00 in total value 3b. Transactions with $25.00 to $49.99 in total value 3c. Transactions with $50.00 to $99.99 in total value 3d. Transactions with $100.00 to $249.99 in total value 3e. Transactions with $250.00 to $499.99 in total value 3f. Transactions with $500.00 or greater in total value 50 2016 Networks, Processors, and Issuers Payments Surveys Online Bill Payment Processor Payment Survey Transaction value distribution – biller-direct online bill payments 4. 4a. Transactions with less than $25.00 in total value 4b. Transactions with $25.00 to $49.99 in total value 4c. Transactions with $50.00 to $99.99 in total value 4d. Transactions with $100.00 to $249.99 in total value 4e. Transactions with $250.00 to $499.99 in total value 4f. Transactions with $500.00 or greater in total value Number Value ($) Number Value ($) Allocate your response to 1. Total bill payment transactions based on the methods used to forward funds to the billers: 5a. ACH 5b. Check 5c. Wire 5d. Other Funding method – how funds were collected from customers 6. Value ($) Allocate your response to 1b. Biller-direct online bill payment transactions to the following categories: Disbursement Method – how funds were sent to billers 5. Number Allocate your response to 1. Total bill payment transactions based on how funds were collected from the bill pay service customers: 6a. Cash 6b. Check 6c. General-purpose card (credit, debit or prepaid) 6d. ACH 6e. Other 51 2016 Networks, Processors, and Issuers Payments Surveys Walk-In Bill Payment Processor Survey Calendar year 2015 walk-in bill payment transactions 1. 3a. Transactions with less than $25.00 in total value 3b. Transactions with $25.00 to $49.99 in total value 3c. Transactions with $50.00 to $99.99 in total value 3d. Transactions with $100.00 to $249.99 in total value 3e. Transactions with $250.00 to $499.99 in total value 3f. Transactions with $500.00 or greater in total value Number Value ($) Number Value ($) Number Value ($) Allocate your response to 1. Total transactions based on the method that was used to settle with billers: 4a. ACH 4b. Check 4c. Wire 4d. Other Funding method – how funds were collected from customers 5. Value ($) Allocate your response to 1. Total transactions to the following categories: Settlement system 4. Number Total fraudulent transactions Include unauthorized transactions committed by a third-party who is not the authorized accountholder or cardholder that resulted in losses incurred even if subsequently recovered. Do not include declined transactions. Transaction value distribution 3. Value ($) Total transactions Fraudulent transactions 2. Number Allocate you response to 1. Total transactions based on how funds were collected from the bill pay service customers: 5a. Cash 5b. General-purpose card (credit, debit or prepaid) 5c. Other 52 2016 Networks, Processors, and Issuers Payments Surveys Private-Label ACH Debit Card Processor Payment Survey Calendar year 2015 private-label ACH debit card transactions 1. 3. Value ($) Number Value ($) Net, authorized & settled transactions = 1 - 1a 2a. Less: Cash-back at the point of sale 2b. Less: Adjustments and returns = 2b.1 + 2b.2 2b.1. ACH returns (receiver-initiated) 2b.2. Other adjustments and returns (originator-initiated) Net, purchase transactions = 2 - 2b for Number, = 2 - 2a - 2b for Value A point of sale purchase transaction with cash-back is counted as one transaction. Do not subtract the number of cash-back transactions. Only subtract the cash back amount for value. Total fraudulent transactions Include unauthorized transactions committed by a third-party who is not the authorized accountholder or cardholder that resulted in losses incurred even if subsequently recovered. Do not include declined transactions. Transaction value distribution 5. Number Less: Denials (authorization declined) Fraudulent transactions 4. Value ($) Total transactions 1a. 2. Number Allocate your response to 2. Net, authorized & settled transactions to the following categories: 5a. Transactions with less than $5.00 in total value 5b. Transactions with $5.00 to $9.99 in total value 5c. Transactions with $10.00 to $14.99 in total value 5d. Transactions with $15.00 to $24.99 in total value 5e. Transactions with $25.00 to $49.99 in total value 5f. Transactions with $50.00 to $99.99 in total value 5g. Transactions with $100.00 or greater in total value 53 2016 Networks, Processors, and Issuers Payments Surveys Electronic Toll and Payment Collection Processor Payment Survey Calendar year 2015 electronic tolls and fees collected 1. 1b. Video 1c. Cash 1d. Other Value ($) Number Value ($) Number Value ($) Allocate your response to 1. Total transactions to the following categories: 3a. Transactions with less than $1.00 in total value 3b. Transactions with $1.00 to $1.99 in total value 3c. Transactions with $2.00 to $2.99 in total value 3d. Transactions with $3.00 to $4.99 in total value 3e. Transactions with $5.00 to $9.99 in total value 3f. Transactions with $10.00 to $19.99 in total value 3g. Transactions with $20.00 to $29.99 in total value 3h. Transactions with $30.00 to $39.99 in total value 3i. Transactions with $40.00 to $49.99 in total value 3j. Transactions with $50.00 or greater in total value Funding method and replenishment for far-field transponders 4. Number Total fraudulent transactions Include unauthorized transactions committed by a third-party who is not the authorized accountholder or cardholder that resulted in losses incurred even if subsequently recovered. Do not include declined transactions. Transaction value distribution 3. Value ($) Total transactions Include electronic tolls and fees collected. 1a. Far-field transponder A Far-field transponder is in-vehicle equipment permitting a toll facility operator to identify and conduct an electronic toll transaction with a driver. Fraudulent transactions 2. Number Total funding for far-field transponders 4a. Cash 4b. Check 4c. General-purpose card (credit, debit or prepaid) 4d. ACH 4e. Other 54 2016 Networks, Processors, and Issuers Payments Surveys Online Payment Authentication Methods Processor Payment Survey Calendar year 2015 online payment authentication methods transactions 1. Number Value ($) Number Value ($) Redirected from the merchant or biller site 1a.1. 1a.2. E-commerce secure online credit card E-commerce secure online PIN debit 1b. Secure online prepaid/escrow-account 1c. Token vault 1d. Other secure E-commerce Fraudulent transactions Total fraudulent transactions Include unauthorized transactions committed by a third-party who is not the authorized accountholder or cardholder that resulted in losses incurred even if subsequently recovered. Do not include declined transactions. Transaction value distribution 3. Value ($) Total transactions 1a. 2. Number Allocate your response to 1. Total transactions to the following categories: 3a. Transactions with less than $5.00 in total value 3b. Transactions with $5.00 to $9.99 in total value 3c. Transactions with $10.00 to $14.99 in total value 3d. Transactions with $15.00 to $24.99 in total value 3e. Transactions with $25.00 to $49.99 in total value 3f. Transactions with $50.00 to $99.99 in total value 3g. Transactions with $100.00 to $249.99 in total value 3h. Transactions with $250.00 to $499.99 in total value 3i. Transactions with $500.00 or greater in total value 55 2016 Networks, Processors, and Issuers Payments Surveys Mobile Wallet Processor Payment Survey Calendar year 2015 mobile wallet transactions 1. Value ($) Number Value ($) Total transactions 1a. Purchase transactions 1a.1. Person-present/merchant point-of-sale transactions Include in-store transactions at the point of sale. 1a.2. Remote transactions (person not at merchant location) Include transactions initiated on the mobile device such as an “in-app purchase” i.e., to make a purchase for a good or service from within an application (e.g., games, mobile order and pay). 1b. Person-to-person or peer-to-peer (P2P) transactions Include mobile money transfers enabled through the mobile phone via SMS, in-app, or online (mobile browser). Mobile money transfers may be domestic P2P transactions, or international, cross-border remittances that extend financial services to the unbanked or underbanked. 1c. Other transactions Fraudulent transactions 2. Number Total fraudulent transactions Include unauthorized transactions committed by a third-party who is not the authorized accountholder or cardholder that resulted in losses incurred even if subsequently recovered. Do not include declined transactions. 2a. Fraudulent purchase transactions 2a.1. Person-present/merchant point-of-sale transactions Include in-store transactions at the point of sale. 2a.2. Remote transactions (person not at merchant location) Include transactions initiated on the mobile device such as an “inapp purchase” i.e., to make a purchase for a good or service from within an application (e.g., games, mobile order and pay). 2b. Fraudulent person--to-person or peer-to-peer (P2P) transactions Include mobile money transfers enabled through the mobile phone via SMS, in-app, or online (mobile browser). Mobile money transfers may be domestic P2P transactions, or international, cross-border remittances that extend financial services to the unbanked or underbanked. 2c. Other fraudulent transactions 56 2016 Networks, Processors, and Issuers Payments Surveys Mobile Wallet Processor Payment Survey Transaction value distribution 3. 4. Number Value ($) Allocate your response to 1. Total transactions to the following categories: 3a. Transactions with less than $1.00 in total value 3b. Transactions with $1.00 to $2.99 in total value 3c. Transactions with $3.00 to $4.99 in total value 3d. Transactions with $5.00 to $9.99 in total value 3e. Transactions with $10.00 to $14.99 in total value 3f. Transactions with $15.00 to $24.99 in total value 3g. Transactions with $25.00 to $49.99 in total value 3h. Transactions with $50.00 to $99.99 in total value 3i. Transactions with $100.00 to $499.99 in total value 3j. Transactions with $500.00 to $999.99 in total value 3k. Transactions with $1,000.00 or greater in total value Active mobile wallets are mobile wallets that were provisioned and were used to make at least one purchase or bill payment over a period of time. On which basis would you prefer to report active cards below? If you have no preference, please choose 1 year. Preferred basis for reporting card activity [ ] 1 month [ ] 3 months [ ] 6 months [ ] 1 year [ ] Other, please describe below: ______________________________________ Active mobile wallets Number of provisioned mobile wallets 5. Number of active and total provisioned mobile wallets as of December 31, 2014 6. Number of active and total provisioned mobile wallets as of December 31, 2015 57 2016 Networks, Processors, and Issuers Payments Surveys Total mobile wallets Transit System Operator Payment Survey Calendar year 2015 transit operator transactions (trips) 1. Number Value ($) Number Value ($) Total transactions (trips) Please provide unlinked rides, including complete fixed route and paratransit. 1a. Cash payment 1b. General-purpose card (credit, debit or prepaid) payment 1c. Payment made by fare media issued by your organization 1c.1. Chip (e.g., contactless card/token) or smart media 1c.1.1. Unlimited rides for a specified time period 1c.1.2. Other_______________________________________ Please specify. This may include 1 time pass, 7-day pass, etc. 1c.2. No chip (e.g., magnetic stripe pass, metal token) 1c.2.1. Unlimited rides for a specified time period 1c.2.2. Other_______________________________________ Please specify. This may include 1 time pass, 7-day pass, etc. 1d. Payment made by mobile device 1e. Payment made by other fare media Funding method 2. Total funding for fare media issued by your organization Please refer to question 1c above ONLY. 2a. Cash 2b. Check 2c. General-purpose card (credit, debit, or prepaid) 2d. ACH 2e. Other__________________________________________________________ Please specify 58 2016 Networks, Processors, and Issuers Payments Surveys Transit System Operator Payment Survey 3. Active fare media are fare media that were used to make at least one purchase or bill payment over a period of time. On which basis would you prefer to report active fare media below? If you have no preference, please choose 1 year. Preferred basis for reporting card activity [ ] 1 month [ ] 3 months [ ] 6 months [ ] 1 year [ ] Other, please describe below: ______________________________________ Number of fare media issued by your organization outstanding 4. Number of fare media issued by your organization for both active and total fare media outstanding as of December 31, 2014 4a. 4b. 5. Active fare media Chip (e.g., contactless card/token) or smart media 4a.1. Unlimited rides for a specified time period 4a.2. Other__________________________________________________ Please specify. This may include 1 time pass, 7-day pass, etc. No chip (e.g., magnetic stripe pass, metal token) 4b.1. Unlimited rides for a specified time period 4b.2. Other__________________________________________________ Please specif. This may include 1 time pass, 7-day pass, etc. Number of fare media issued by your organization for both active and total fare media outstanding as of December 31, 2015 5a. 5b. Chip (e.g., contactless card/token) or smart media 5a.1. Unlimited rides for a specified time period 5a.2. Other__________________________________________________ Please specify. This may include 1 time pass, 7-day pass, etc. No chip (e.g., magnetic stripe pass, metal token) 5b.1. Unlimited rides for a specified time period 5b.2. Other__________________________________________________ Please specify. This may include 1 time pass, 7-day pass, etc. 59 2016 Networks, Processors, and Issuers Payments Surveys Total fare media Transit System Operator Payment Survey Number Fraudulent transactions 6. Total fraudulent transactions (trips) 6a. Cash payment 6b. General-purpose card (credit, debit or prepaid) payment 6c. Payment made by fare media issued by your organization 6c.1. Chip (e.g., contactless card/token) or smart media 6c.1.1. Unlimited rides for a specified time period 6c.1.2. Other_______________________________________ Please specify. This may include 1 time pass, 7-day pass, etc. 6c.2. No chip (e.g., magnetic stripe pass, metal token) 6c.2.1. Unlimited rides for a specified time period 6c.2.2. Other_______________________________________ Please specify. This may include 1 time pass, 7-day pass, etc. 6d. Payment made by mobile device 6e. Payment made by other fare media 60 2016 Networks, Processors, and Issuers Payments Surveys Value ($)
| File Type | application/pdf |
| File Title | Form FR 3066b FR 3066b Networks, Processors, and Issuers Payments Surveys |
| File Modified | 2016-03-28 |
| File Created | 2016-03-02 |