Form FR 3066b FR 3066b Networks, Processors, and Issuers Payments Surveys

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:
[email protected] 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

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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

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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

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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.

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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

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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

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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

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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

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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

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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

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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.

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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.

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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.)

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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

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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

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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.

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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

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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.

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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)

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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.

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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

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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

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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

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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

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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

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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.

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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

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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.

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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.

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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2016 Networks, Processors, and Issuers Payments Surveys

Value ($)