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

Federal Reserve Payments Study

FR3066b_2019_fi

Networks, Processors, and Issuers Payments Surveys

OMB: 7100-0351

⚠️ Notice: This form may be outdated. More recent filings and information on OMB 7100-0351 can be found here:

Document [pdf]

Download: pdf | pdf

FR 3066b
OMB No. 7100-0351
Approval expires XX/XX/2022

The Federal Reserve
Payments Study
Networks, processors, and Issuers
Payments Surveys (NPIPS)
Survey Period:
Calendar Year 2018

Public reporting burden for this collection of information is estimated to be an average of 8 hours per response,
including the time to gather and maintain data in the required form, to review the instructions and to complete
the information collection. Send comments regarding this burden estimate or any other aspect of this collection
of information, including suggestions for reducing this burden, to: Secretary, Board of Governors of the Federal
Reserve System, 20th and C Streets, NW, Washington, DC 20551; and to the Office of Management and Budget,
Paperwork Reduction Project (7100-0351), Washington, DC 20503.

Networks, processors,
and Issuers Payments
Surveys (NPIPS)
Survey Period:
Calendar Year 2018
General Instructions

General-Purpose Credit Card Network

Private-Label Credit Card Merchant Issuer

Private-Label Credit Card Processor

General-Purpose Debit Card Network

General-Purpose Prepaid Card Network

Automated Teller Machine Card Network

General-Purpose Prepaid Card Processor

Electronic Benefits Transfer Card Processor

Private-Label Prepaid Card Issuer and Processor

Person-to-Person and Money Transfer Processor

Online Bill Payment Processor

Walk-In Bill Payment Processor

Private-Label ACH Debit Card Processor

Toll Collection Processor

Online Payment Authentication Methods Processor

Mobile Wallet Processor

Transit System Operator

General Instructions
About the surveys
The Federal Reserve 2019 Networks, Processors, and Issuers Payments Surveys (NPIPS) collects the number and dollar
value of different types of domestic and cross-border electronic payment transactions and related information including thirdparty fraud originated from US-domiciled accounts during the calendar year 2018, 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 2019 study to those of previous studies conducted since 2001.

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.
There are three possible ways to respond to a survey item that requests a numeric value:
1. If your organization has volume for the item requested and the volume is known or can be accurately estimated,
please enter the amount. (Enter “0” if the amount equals zero.)
2. If your organization has volume for the item requested but the volume is unknown, nonzero, and cannot be
accurately estimated, please enter “NR” (not reported). (Do not enter “0” if the volume exists
but the amount is unknown.)
3. If your organization does not have volume for the item requested (i.e., the item requested does not apply to
your organization), please enter “0”.

Definitions and examples
Definitions and examples can be found in the glossary. Please visit the following website to download a PDF copy of the
glossary
http://www.frbnpips.net/forms.html
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
For total general-purpose credit card network transactions, please include all those initiated by the acquirer and made
with US general-purpose credit (including charge) cards issued on US-domiciled accounts carrying your organization's
network brand. Include both domestic and cross-border transactions made with those cards, except for items 12 and
21 which cover non-US cards transactions made to US merchants/payees.
Do not include: Debit card, prepaid card, or non-network transactions (e.g., convenience checks and balance
transfers). Do not include transactions originated from foreign accounts (except for items 12 and 21).
Please enter actual figures for the calendar year 2018. Figures are automatically rounded to the nearest whole
numbers. Please leave no survey item blank. If a figure is zero, please enter a zero. Enter " NR " if a figure is
unknown, nonzero, and cannot be accurately estimated. Some figures are automatically calculated or repeated. If
necessary, these can be changed by entering figures into the " Override automatic entry " columns to the right.

Reminder:
• Leaving cells blank may cause
problems or inconsistencies.
• If a figure is zero, please enter a
zero.
• If a figure is unknown, nonzero,
and cannot be accurately
estimated, please enter "NR ".

Cell types:
1. Direct data entry. For numeric data, type the actual number or dollar amount.
(Cells have a thicker border when a formula is involved, for example, 2 = 1 - 1a, 6 = 6a + 6b.)

2. Automatic entry of calculations or repeated figures. Cell is protected: Override if necessary.
(Automatic entry cells display "Unknown/Nonzero" until required information is provided.)

3. Option button selection. Click on the button with the option you would like to choose.
(In the example to the right, Option 1 is the default selection.)

Unknown/Nonzero

Option 1
Option 2

Please refer to the Glossary for definitions and examples.

Calendar year 2018 general-purpose credit card transactions
1.

Less: Denials (authorization declined)

Total authorized transactions
= 1 - 1a
2a.

Value ($)

Total transactions
1a.

Number

3b.

Unknown/Nonzero

Less: Pre-authorization only (authorized but not settled)

Net, authorized & settled transactions
= 2 - 2a
3a.

Unknown/Nonzero

Less: Cash advances
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
5.

Among the different subtotals of payment transactions listed above, which would you prefer to

2. Total authorized transactions

use to report more detailed allocations of payment transactions below?

3. Net, authorized & settled transactions

If possible, please use 3. Net, authorized & settled transactions (the default selection).

4. Net, purchase transactions

Transactions by channel
6.

Number

Net, authorized & settled transactions = 6a + 6b
6a.

Unknown/Nonzero

Value ($)
Unknown/Nonzero

In-person transactions
Transactions for which the card user is present, including card-present transactions and mobile
transactions at the point of sale. Also include card-not-present transactions for which the card user
is present at the point of sale (e.g., key-entered transactions). Do not include remote transactions
classified as card-present solely because of the level of authentication.

6b.

Remote transactions (person not at merchant location)
= 6b.1 + 6b.2 + 6b.3 + 6b.4
Transactions for which the card user is not physically present at a merchant location. Typically,
these include card-not-present transactions. Also include any remote transactions classified as
card-present solely because of the level of authentication.
6b.1.

Mail-order/telephone-order transactions

6b.2.

Internet purchase transactions (E-commerce)

6b.3.

Recurring/installment transactions
Payments of bills or invoices, often on a prearranged basis, based on an ongoing
customer relationship. Also include payments made on an installment basis.

6b.4.

Other/unknown remote transactions

In-person transactions by authentication method
7.

In-person transactions (repeat item 6a) = 7a + 7b
7a.

7b.

Number

Value ($)

Unknown/Nonzero

Transactions with chip-authentication = 7a.1 + 7a.2
7a.1.

Transactions with a PIN

7a.2.

Transactions without a PIN

Transactions without chip-authentication = 7b.1 + 7b.2
7b.1.

Transactions with a PIN

7b.2.

Transactions without a PIN

In-person transactions with chip-authentication (repeat item 7a) = 8a + 8b
8a.

Contact chip card transactions

8b.

Contactless transactions

Transactions with domestic or cross-border merchants/payees
9.

Net, authorized & settled transactions (repeat item 6) = 9a + 9b
9a.

Domestic transactions with US cards (merchants/payees within the US)

9b.

Cross-border transactions with US cards (merchants/payees outside the US)

Number
Unknown/Nonzero

Value ($)
Unknown/Nonzero

= 9b.1 + 9b.2
9b.1.

In-person transactions

9b.2.

Remote transactions

Transactions from consumer or business/government accounts
10.

Net, authorized & settled transactions (repeat item 6) = 10a + 10b
10a.

Number
Unknown/Nonzero

Value ($)
Unknown/Nonzero

Transactions from consumer accounts
Transactions made with cards (including virtual cards) issued to a consumer for the purpose
of making consumer-related transactions.

10b.

Transactions from business/government (commercial) accounts
Transactions made with cards (including virtual cards) issued to a business or government
or its employee for the purpose of making business-related transactions. Include corporate
charge, small business, travel/entertainment, procurement, and fleet cards.

Transaction value distribution
11.

Number

Net, authorized & settled transactions (repeat item 6)

Unknown/Nonzero

= 11a + 11b + 11c + 11d + 11e + 11f + 11g + 11h + 11i
11a.

Transactions with less than $5.00 in total value

11b.

Transactions with $5.00 to $9.99 in total value

11c.

Transactions with $10.00 to $14.99 in total value

11d.

Transactions with $15.00 to $24.99 in total value

11e.

Transactions with $25.00 to $49.99 in total value

11f.

Transactions with $50.00 to $99.99 in total value

11g.

Transactions with $100.00 to $499.99 in total value

11h.

Transactions with $500.00 to $999.99 in total value

11i.

Transactions with $1000.00 or greater in total value

Transactions with non-US cards
12.

Number

Total transactions with non-US cards
(merchants/payees within the US and not included in item 6)

Value ($)
Unknown/Nonzero

Value ($)

Preferred basis for reporting third-

Third-party fraudulent transactions
13.

party fraudulent transactions

Some organizations may track third-party fraudulent transactions differently than payment transactions.

2. Total authorized transactions

On which basis would you prefer to report third-party fraudulent transactions below?

3. Net, authorized & settled transactions

If possible, please use 3. Net, authorized & settled transactions (the default selection).

4. Net, purchase transactions

14.

Number

Value ($)

Number

Value ($)

Third-party fraudulent transactions (based on 3. Net, authorized & settled transactions)
= 14a + 14b + 14c + 14d + 14e + 14f
Include all unauthorized third-party fraudulent transactions that cleared and settled for which funds
subsequently became available to the perpetrator. Do not include fraud attempts that were prevented before
they were cleared and settled, or fraud committed by the accountholder or other users authorized to make
payments.
14a.

Lost or stolen card

14b.

Card issued but not received

14c.

Fraudulent application (account issued to someone using a fake identity)

14d.

Counterfeit card (card-present/stolen card data)

14e.

Fraudulent use of account number (card-not-present/stolen card data)

14f.

Other (including account takeover)

Third-party fraudulent transactions by channel
15.

Third-party fraudulent transactions (repeat item 14) = 15a + 15b
15a.

In-person transactions
Fraudulent transactions for which the card user is present, including fraudulent card-present
transactions and fraudulent mobile transactions at the point of sale. Also include fraudulent
card-not-present transactions for which the card user is present at the point of sale (e.g., keyentered transactions). Do not include fraudulent remote transactions classified as card-present
solely because of the level of authentication.

15b.

Remote transactions (person not at merchant location)
= 15b.1 + 15b.2 + 15b.3 + 15b.4
Fraudulent transactions for which the card user is not physically present at a merchant location.
Typically, these include fraudulent card-not-present transactions. Also include any fraudulent
remote transactions classified as card-present solely because of the level of authentication.
15b.1.

Mail-order/telephone-order transactions

15b.2.

Internet purchase transactions (E-commerce)

15b.3.

Recurring/installment transactions
Fraudulent payments of bills or invoices, often on a prearranged basis, based on
an ongoing customer relationship. Also include fraudulent payments made on
an installment basis.

15b.4.

Other/unknown remote transactions

Unknown/Nonzero

Third-party fraudulent in-person transactions by authentication method
16.

Third-party fraudulent in-person transactions (repeat item 15a) = 16a + 16b
16a.

16b.

17.

16a.1.

Transactions with a PIN

16a.2.

Transactions without a PIN

16b.1.

Transactions with a PIN

16b.2.

Transactions without a PIN

17a.

Contact chip card transactions

17b.

Contactless transactions

Third-party fraudulent transactions with domestic or cross-border merchants/payees
Third-party fraudulent transactions (repeat item 14) = 18a + 18b

18b.

Unknown/Nonzero

Transactions without chip-authentication = 16b.1 + 16b.2

Third-party fraudulent in-person transactions with chip-authentication (repeat item 16a)

18a.

Value ($)

Transactions with chip-authentication = 16a.1 + 16a.2

= 17a + 17b

18.

Number

Number
Unknown/Nonzero

Value ($)
Unknown/Nonzero

Domestic transactions with US cards (merchants/payees within the US)
Cross-border transactions with US cards (merchants/payees outside the US)
= 18b.1 + 18b.2
18b.1.

In-person transactions

18b.2.

Remote transactions

Third-party fraudulent transactions from consumer or business/government accounts
19.

Third-party fraudulent transactions (repeat item 14) = 19a + 19b
19a.

Transactions from consumer accounts
Fraudulent transactions made with cards (including virtual cards) issued to a consumer
for the purpose of making consumer-related transactions.

19b.

Transactions from business/government (commercial) accounts
Fraudulent transactions made with cards (including virtual cards) issued to a business or
government or its employee for the purpose of making business-related transactions.
Include corporate charge, small business, travel/entertainment, procurement, and fleet cards.

Number
Unknown/Nonzero

Value ($)
Unknown/Nonzero

Third-party fraudulent transaction value distribution
20.

Number

Third-party fraudulent transactions (repeat item 14)

Unknown/Nonzero

= 20a + 20b + 20c + 20d + 20e + 20f + 20g + 20h + 20i
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 $999.99 in total value

20i.

Transactions with $1000.00 or greater in total value

Third-party fraudulent transactions with non-US cards
21.

Value ($)
Unknown/Nonzero

Number

Value ($)

Active cards

Total cards

Third-party fraudulent transactions with non-US cards
(merchants/payees within the US and not included in item 14)

Number of cards outstanding
22.

Number of active and total general-purpose credit or charge cards outstanding
as of December 31, 2018 = 22a + 22b
22a. Cards for consumer accounts
22b. Cards for business/government (commercial) accounts

Comments:

Private-Label Credit Card Merchant Issuer Payment Survey
For total private-label credit card transactions, please include all those originated from US-domiciled accounts and
made with a private-label credit or charge card for which your organization processed in-house. Include both
consumer and business/government card transactions.
Do not include: General-purpose (i.e., network-branded Visa, MC, Amex, Discover) credit, debit, or prepaid card
transactions, or transactions originated from foreign accounts. Also, according to your answers to questions 1 and 2
below, please do not include data associated with transactions for which your organization was only the receivables
owner but not the transaction processor.
Note: We are surveying both in-house and outsourced private-label credit card issuers/processors. To ensure that
we do not double-count your organization’s volume, please tell us if your organization outsourced processing or
receivables ownership (questions 1 and 2 below).
Please enter actual figures for the calendar year 2018. Figures are automatically rounded to the nearest whole
numbers. Please leave no survey item blank. If a figure is zero, please enter a zero. Enter " NR " if a figure is
unknown, nonzero, and cannot be accurately estimated. Some figures are automatically calculated or repeated. If
necessary, these can be changed by entering figures into the " Override automatic entry " columns to the right.

Cell types:
1. Direct data entry. For numeric data, type the actual number or dollar amount.
(Cells have a thicker border when a formula is involved, for example, 4 = 3 - 3a, 7 = 7a + 7b.)

2. Automatic entry of calculations or repeated figures. Cell is protected: Override if necessary.
(Automatic entry cells display "Unknown/Nonzero" until required information is provided.)

3. Option button selection. Click on the button with the option you would like to choose.
(In the example to the right, Option 1 is the default selection.)

Unknown/Nonzero

Option 1
Option 2

Please refer to the Glossary for definitions and examples.

Calendar year 2018 private-label credit card transaction processing
1.

Transaction processing

100% in-house

Please indicate if your organization outsourced some or all of its private-label credit card

Partially outsourced

transaction processing to a third party.

Fully outsourced

1a.

If fully or partially outsourced, please indicate the name of the processor:
1

1b.

If your organization outsourced its private-label credit card transaction processing for only

From (2018)
mm/dd:

part of 2018, please indicate the period of time in 2018 that your organization did not outsource:

Calendar year 2018 private-label credit card receivables ownership
2.

Receivables ownership:
Please indicate if your organization outsourced some or all of its private-label credit card

100% in-house

receivables ownership to a third party (i.e., outstandings were owned by a different organization).

Partially outsourced
Fully outsourced

2a. If fully or partially outsourced, please indicate the name of the receivables owner:
If you answered Fully outsourced to question 1 above for your organization’s private-label credit card 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 private-label credit card
transaction processing, please finish the rest of the survey and report transaction data only for the in-house processed
portion of your portfolio.

To (2018)
mm/dd:

Calendar year 2018 private-label credit card transactions
3.

Less: Denials (authorization declined)

Total authorized transactions
= 3 - 3a
4a.

Value ($)

Total transactions
3a.

Number

Unknown/Nonzero

Less: Pre-authorization only (authorized but not completed or posted)

Completed transactions (posted to card accounts)
= 4 - 4a
5a.

Less: Cash advances

5b.

Less: Adjustments and returns

Net, purchase transactions
= 5 - 5a - 5b

Transactions by channel
7.

Number

Completed transactions (repeat item 5) = 7a + 7b
7a.

Unknown/Nonzero

Value ($)
Unknown/Nonzero

In-person transactions = 7a.1 + 7a.2 + 7a.3
Transactions for which the card user is present, including transactions initiated using
a merchant-issued card or token, using an app on a mobile device, and via instant credit
or lookup of account number. Also include purchases initiated online for pickup in store
where the payment is made in person.

7b.

7a.1.

Transactions initiated using a merchant-issued card or token

7a.2.

Transactions intiated using an app on a mobile device

7a.3.

Other (including instant credit or lookup of account number)

Remote transactions (person not at merchant location) = 7b.1 + 7b.2
Transactions for which the card user is not physically present at a merchant location.
7b.1.

Transactions with online payment and in-store pickup

7b.2.

Transactions with online payment and shipping to address

Transactions from consumer or business/government accounts
8.

Completed transactions (repeat item 5) = 8a + 8b
8a.

Unknown/Nonzero

Transactions from consumer accounts
Transactions made with cards (including virtual cards) issued to a consumer for the purpose
of making consumer-related transactions. Include both consumer credit and charge cards.

8b.

Number

Value ($)
Unknown/Nonzero

Transaction value distribution
9.

Number

Completed transactions (repeat item 5) = 9a + 9b + 9c + 9d + 9e + 9f + 9g + 9h + 9i
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 to $499.99 in total value

9h.

Transactions with $500.00 to $999.99 in total value

9i.

Transactions with $1000.00 or greater in total value

Third-party fraudulent transactions
10.

Unknown/Nonzero

Value ($)
Unknown/Nonzero

Number

Value ($)

Number

Value ($)

Third-party fraudulent transactions = 10a + 10b + 10c + 10d + 10e + 10f
Include all unauthorized third-party fraudulent transactions that cleared and settled for which funds
subsequently became available to the perpetrator. Do not include fraud attempts that were prevented before
they were cleared and settled, or fraud committed by the accountholder or other users authorized to make
payments.
10a.

Lost or stolen card

10b.

Card issued but not received

10c.

Fraudulent application (account issued to someone using a fake identity)

10d.

Counterfeit card (card-present/stolen card data)

10e.

Fraudulent use of account number (card-not-present/stolen card data)

10f.

Other (including account takeover)

Third-party fraudulent transactions by channel
11.

Third-party fraudulent transactions (repeat item 10) = 11a + 11b
11a.

In-person transactions = 11a.1 + 11a.2 + 11a.3
Fraudulent transactions for which the card user is present, including transactions initiated using
a merchant-issued card or token, using an app on a mobile device, and via instant credit or lookup
of account number. Also include fraudulent purchases initiated online for pickup in store where
the payment is made in person.
11a.1. Transactions initiated using a merchant-issued card or token
11a.2. Transactions intiated using an app on a mobile device
11a.3. Other (including instant credit or lookup of account number)

11b.

Remote transactions (person not at merchant location) = 11b.1 + 11b.2
Transactions for which the card user is not physically present at a merchant location.
11b.1.

Transactions with online payment and in-store pickup

11b.2.

Transactions with online payment and shipping to address

Unknown/Nonzero

Third-party fraudulent transactions from consumer or business/government accounts
12.

Third-party fraudulent transactions (repeat item 10) = 12a + 12b
12a.

Number
Unknown/Nonzero

Value ($)
Unknown/Nonzero

Transactions from consumer accounts
Fraudulent transactions made with cards (including virtual cards) issued to a consumer
for the purpose of making consumer-related transactions.

12b.

Third-party fraudulent transaction value distribution
13.

Number

Third-party fraudulent transactions (repeat item 10)

Unknown/Nonzero

= 13a + 13b + 13c + 13d + 13e + 13f + 13g + 13h + 13i
13a.

Transactions with less than $5.00 in total value

13b.

Transactions with $5.00 to $9.99 in total value

13c.

Transactions with $10.00 to $14.99 in total value

13d.

Transactions with $15.00 to $24.99 in total value

13e.

Transactions with $25.00 to $49.99 in total value

13f.

Transactions with $50.00 to $99.99 in total value

13g.

Transactions with $100.00 to $499.99 in total value

13h.

Transactions with $500.00 to $999.99 in total value

13i.

Transactions with $1000.00 or greater in total value

Number of cards outstanding
14.

Active cards

Number of active and total private-label credit or charge cards outstanding
as of December 31, 2018 = 14a + 14b
14a.

Cards for consumer accounts

14b.

Cards for business/government (commercial) accounts

Comments:

Value ($)
Unknown/Nonzero

Total cards

Private-Label Credit Card Processor Payment Survey
For total private-label credit card transactions, please include all those originated from US-domiciled accounts and
made with a private-label credit or charge card for which your organization was the transaction processor. Include
both consumer and business/government card transactions.
Do not include: General-purpose (i.e., network-branded Visa, MC, Amex, Discover) credit, debit, or prepaid card
transactions, or transactions originated from foreign accounts. Also, do not include data associated with transactions
for which your organization was only the receivables owner but not the transaction processor.
Please enter actual figures for the calendar year 2018. Figures are automatically rounded to the nearest whole
numbers. Please leave no survey item blank. If a figure is zero, please enter a zero. Enter " NR " if a figure is
unknown, nonzero, and cannot be accurately estimated. Some figures are automatically calculated or repeated. If
necessary, these can be changed by entering figures into the " Override automatic entry " columns to the right.

Cell types:
1. Direct data entry. For numeric data, type the actual number or dollar amount.
(Cells have a thicker border when a formula is involved, for example, 3 = 2 - 2a, 6 = 6a + 6b.)

2. Automatic entry of calculations or repeated figures. Cell is protected: Override if necessary.
(Automatic entry cells display "Unknown/Nonzero" until required information is provided.)

3. Option button selection. Click on the button with the option you would like to choose.
(In the example to the right, Option 1 is the default selection.)

Unknown/Nonzero

Option 1
Option 2

Please refer to the Glossary for definitions and examples.

Calendar year 2018 transaction processing
1.

Transaction processing
Please describe your organization’s private-label credit card transaction

Only owned receivables

processing services (choose one):

Processed transactions

1a.

If Only owned receivables is chosen, please indicate the name of the processor:

If your organization does not process private-label credit card transactions, this survey is complete. Thank you for your participation.
1

Calendar year 2018 private-label credit card transactions
2.

Less: Denials (authorization declined)

Total authorized transactions
= 2 - 2a
3a.

Value ($)

Total transactions
2a.

Number

Unknown/Nonzero

Less: Pre-authorization only (authorized but not completed or posted)

Completed transactions (posted to card accounts)
= 3 - 3a
4a.

Less: Cash advances

4b.

Less: Adjustments and returns

Net, purchase transactions
= 4 - 4a - 4b

Transactions by channel
6.

Number

Completed transactions (repeat item 4) = 6a + 6b
6a.

Unknown/Nonzero

Value ($)
Unknown/Nonzero

In-person transactions = 6a.1 + 6a.2 + 6a.3
Transactions for which the card user is present, including transactions initiated using
a merchant-issued card or token, using an app on a mobile device, and via instant credit
or lookup of account number. Also include purchases initiated online for pickup in store
where the payment is made in person.

6b.

6a.1.

Transactions initiated using a merchant-issued card or token

6a.2.

Transactions intiated using an app on a mobile device

6a.3.

Other (including instant credit or lookup of account number)

Remote transactions (person not at merchant location) = 6b.1 + 6b.2
Transactions for which the card user is not physically present at a merchant location.
6b.1.

Transactions with online payment and in-store pickup

6b.2.

Transactions with online payment and shipping to address

Transactions from consumer or business/government accounts
7.

Completed transactions (repeat item 4) = 7a + 7b
7a.

Number
Unknown/Nonzero

Value ($)
Unknown/Nonzero

7b.

Transaction value distribution
8.

Number

Completed transactions (repeat item 4) = 8a + 8b + 8c + 8d + 8e + 8f + 8g + 8h + 8i
8a.

Transactions with less than $5.00 in total value

8b.

Transactions with $5.00 to $9.99 in total value

8c.

Transactions with $10.00 to $14.99 in total value

8d.

Transactions with $15.00 to $24.99 in total value

8e.

Transactions with $25.00 to $49.99 in total value

8f.

Transactions with $50.00 to $99.99 in total value

8g.

Transactions with $100.00 to $499.99 in total value

8h.

Transactions with $500.00 to $999.99 in total value

8i.

Transactions with $1000.00 or greater in total value

Unknown/Nonzero

Value ($)
Unknown/Nonzero

Third-party fraudulent transactions
9.

Number

Value ($)

Number

Value ($)

Third-party fraudulent transactions = 9a + 9b + 9c + 9d + 9e + 9f
Include all unauthorized third-party fraudulent transactions that cleared and settled for which funds
subsequently became available to the perpetrator. Do not include fraud attempts that were prevented before
they were cleared and settled, or fraud committed by the accountholder or other users authorized to make
payments.
9a.

Lost or stolen card

9b.

Card issued but not received

9c.

Fraudulent application (account issued to someone using a fake identity)

9d.

Counterfeit card (card-present/stolen card data)

9e.

Fraudulent use of account number (card-not-present/stolen card data)

9f.

Other (including account takeover)

Third-party fraudulent transactions by channel
10.

Third-party fraudulent transactions (repeat item 9) = 10a + 10b
10a.

Unknown/Nonzero

In-person transactions = 10a.1 + 10a.2 + 10a.3
Fraudulent transactions for which the card user is present, including transactions initiated using
a merchant-issued card or token, using an app on a mobile device, and via instant credit or lookup
of account number. Also include fraudulent purchases initiated online for pickup in store where
the payment is made in person.
10a.1. Transactions initiated using a merchant-issued card or token
10a.2. Transactions intiated using an app on a mobile device
10a.3. Other (including instant credit or lookup of account number)

10b.

Remote transactions (person not at merchant location)
= 10b.1 + 10b.2
Fraudulent transactions for which the card user is not physically present at a merchant location.
10b.1.

Transactions with online payment and in-store pickup

10b.2.

Transactions with online payment and shipping to address

Third-party fraudulent transactions from consumer or business/government accounts
11.

Third-party fraudulent transactions (repeat item 9) = 11a + 11b
11a.

Transactions from consumer accounts
Fraudulent transactions made with cards (including virtual cards) issued to a consumer
for the purpose of making consumer-related transactions.

11b.

Number
Unknown/Nonzero

Value ($)
Unknown/Nonzero

Third-party fraudulent transaction value distribution
12.

Number

Third-party fraudulent transactions (repeat item 9)

Unknown/Nonzero

= 12a + 12b + 12c + 12d + 12e + 12f + 12g + 12h + 12i
12a.

Transactions with less than $5.00 in total value

12b.

Transactions with $5.00 to $9.99 in total value

12c.

Transactions with $10.00 to $14.99 in total value

12d.

Transactions with $15.00 to $24.99 in total value

12e.

Transactions with $25.00 to $49.99 in total value

12f.

Transactions with $50.00 to $99.99 in total value

12g.

Transactions with $100.00 to $499.99 in total value

12h.

Transactions with $500.00 to $999.99 in total value

12i.

Transactions with $1000.00 or greater in total value

Number of cards outstanding
13.

Active cards

Number of active and total private-label credit or charge cards outstanding
as of December 31, 2018 = 13a + 13b
13a.

Cards for consumer accounts

13b.

Cards for business/government (commercial) accounts

Comments:

Value ($)
Unknown/Nonzero

Total cards

General-Purpose Debit Card Network Payment Survey
For total genreral-purpose debit card network transactions, please include all those initiated by the acquirer and made
with US general-purpose debit cards issued on US-domiciled accounts carrying your organization's network brand.
Include both domestic and cross-border transactions made with those cards, except for items 13 and 23 which cover
non-US cards transactions made to US merchants/payees.
Do not include: Credit card, prepaid debit card, or non-network transactions. Do not include electronic benefits
transfer (EBT) card transactions, ATM transactions, or transactions originated from foreign accounts (except for items
13 and 23).
Please enter actual figures for the calendar year 2018. Figures are automatically rounded to the nearest whole
numbers. Please leave no survey item blank. If a figure is zero, please enter a zero. Enter " NR " if a figure is
unknown, nonzero, and cannot be accurately estimated. Some figures are automatically calculated or repeated. If
necessary, these can be changed by entering figures into the " Override automatic entry " columns to the right.

Cell types:
1. Direct data entry. For numeric data, type the actual number or dollar amount.
(Cells have a thicker border when a formula is involved, for example, 3 = 2 - 2a, 7 = 7a + 7b.)

2. Automatic entry of calculations or repeated figures. Cell is protected: Override if necessary.
(Automatic entry cells display "Unknown/Nonzero" until required information is provided.)

3. Option button selection. Click on the button with the option you would like to choose.
(In the example to the right, Option 1 is the default selection.)

Unknown/Nonzero

Option 1
Option 2

4. All-that-apply check box selection. Click on all the boxes with the options you would like to choose.
(In the example to the right, Option 1 and Option 3 are selected.)

Option 1
Option 2
Option 3

Please refer to the Glossary for definitions and examples.

Calendar year 2018 general-purpose debit card transactions
1.

Please indicate what data are reported in your response to this survey. Your organization may offer

Non-prepaid debit only

both non-prepaid and prepaid debit card authorization and settlement services. If possible,

Both non-prepaid and prepaid debit

please only report non-prepaid debit card network transactions in this survey (the default selection).
2.

Total transactions
Do not include electronic benefits transfer (EBT) card or ATM transactions.
2a.

4b.

Unknown/Nonzero

Less: Pre-authorization only (authorized but not settled)

Net, authorized & settled transactions
= 3 - 3a
4a.

Value ($)

Less: Denials (authorization declined)

Total authorized transactions
= 2 - 2a
3a.

Number

Less: Cash-back at the point of sale
Less: Adjustments and returns
= 4b.1 + 4b.2

4b.1.

Chargebacks (issuer initiated)

4b.2.

Other adjustments and returns (acquirer initiated)

Net, purchase transactions
= 4 - 4b for Number, = 4 - 4a - 4b for Value
A point-of-sale (POS) purchase transaction with cash back is counted as one transaction.
Do not subtract the number of cash-back transactions. Only subtract the dollar value
amount of the cash-back transactions.

Preferred basis for reporting
payment transactions
6.

Among the different subtotals of payment transactions listed above, which would you prefer to

3. Total authorized transactions

use to report more detailed allocations of payment transactions below?

4. Net, authorized & settled transactions

If possible, please use 4. Net, authorized & settled transactions (the default selection).

5. Net, purchase transactions

Transactions by channel
7.

Number

Net, authorized & settled transactions = 7a + 7b
7a.

Unknown/Nonzero

Value ($)
Unknown/Nonzero

In-person transactions
Transactions for which the card user is present, including card-present transactions and mobile
transactions at the point of sale. Also include card-not-present transactions for which the card
user is present at the point of sale (e.g., key-entered transactions). Do not include remote
transactions classified as card-present solely because of the level of authentication.

7b.

Remote transactions (person not at merchant location)
= 7b.1 + 7b.2 + 7b.3 + 7b.4
Transactions for which the card user is not physically present at a merchant location.
Typically, this includes card-not-present transactions. Also include any remote
transactions classified as card-present solely because of the level of authentication.
7b.1.

Mail-order/telephone-order transactions

7b.2.

Internet purchase transactions (E-commerce)

7b.3.

Recurring/installment transactions
Payments of bills or invoices, often on a prearranged basis, based on an ongoing
customer relationship. Also include payments made on an installment basis.

7b.4.

Other/unknown

In-person transactions by authentication method
8.

In-person transactions (repeat item 7a) = 8a + 8b
8a.

8b.

Number

Value ($)

Unknown/Nonzero

Transactions with chip-authentication = 8a.1 + 8a.2
8a.1.

Transactions with a PIN

8a.2.

Transactions without a PIN

Transactions without chip-authentication = 8b.1 + 8b.2
8b.1.

Transactions with a PIN

8b.2.

Transactions without a PIN

In-person transactions with chip-authentication (repeat item 8a) = 9a + 9b
9a.

Contact chip card transactions

9b.

Contactless transactions

Transactions with domestic or cross-border merchants/payees
10.

Net, authorized & settled transactions (repeat item 7) = 10a + 10b
10a.

Domestic transactions with US cards (merchants/payees within the US)

10b.

Cross-border transactions with US cards (merchants/payees outside the US)

Number
Unknown/Nonzero

Value ($)
Unknown/Nonzero

= 10b.1 + 10b.2
10b.1.

In-person transactions

10b.2.

Remote transactions

Transactions from consumer or business/government accounts
11.

Net, authorized & settled transactions (repeat item 7) = 11a + 11b
11a.

Number
Unknown/Nonzero

Value ($)
Unknown/Nonzero

Transactions from consumer accounts
Transactions made with cards (including virtual cards) issued to a consumer for the purpose
of making consumer-related transactions.

11b.

Transaction value distribution
12.

Number

Net, authorized & settled transactions (repeat item 7)

Unknown/Nonzero

= 12a + 12b + 12c + 12d + 12e + 12f + 12g + 12h + 12i
12a.

Transactions with less than $5.00 in total value

12b.

Transactions with $5.00 to $9.99 in total value

12c.

Transactions with $10.00 to $14.99 in total value

12d.

Transactions with $15.00 to $24.99 in total value

12e.

Transactions with $25.00 to $49.99 in total value

12f.

Transactions with $50.00 to $99.99 in total value

12g.

Transactions with $100.00 to $499.99 in total value

12h.

Transactions with $500.00 to $999.99 in total value

12i.

Transactions with $1000.00 or greater in total value

Transactions with non-US cards
13.

Number

Total transactions with non-US cards
(merchants/payees within the US and not included in item 7)

Value ($)
Unknown/Nonzero

Value ($)

Third-party fraudulent transactions
14.

Please indicate if your network would be able to provide third-party fraud data.

Yes

If Yes (the default selection), please skip question 14a below.

No
1

14a.

If No, please provide reasons to help us better understand the industry and select all that apply.

Do not track fraud

FALSE

Not enough resource

FALSE

Data sensitivity

FALSE

Other

FALSE

If Other, please sepcify:
Preferred basis for reporting thirdparty fraudulent transactions
15.

Some organizations may track third-party fraudulent transactions differently than payment transactions.

3. Total authorized transactions

On which basis would you prefer to report third-party fraudulent transactions below?

4. Net, authorized & settled transactions

If possible, please use 4. Net, authorized & settled transactions (the default selection).

5. Net, purchase transactions

Number
16.

Third-party fraudulent transactions (based on 4. Net, authorized & settled transactions)
= 16a + 16b + 16c + 16d + 16e + 16f
Include all unauthorized third-party fraudulent transactions that cleared and settled for which funds
subsequently became available to the perpetrator. Do not include fraud attempts that were prevented before
they were cleared and settled, or fraud committed by the accountholder or other users authorized to make
payments.
16a.

Lost or stolen card

16b.

Card issued but not received

16c.

Fraudulent application (account issued to someone using a fake identity)

16d.

Counterfeit card (card-present/stolen card data)

16e.

Fraudulent use of account number (card-not-present/stolen card data)

16f.

Other (including account takeover)

Value ($)

Third-party fraudulent transactions by channel
17.

Number

Third-party fraudulent transactions (repeat item 16) = 17a + 17b
17a.

In-person transactions

17b.

Unknown/Nonzero

Value ($)
Unknown/Nonzero

= 17b.1 + 17b.2 + 17b.3 + 17b.4
Fraudulent transactions for which the card user is not physically present at a merchant location.
Typically, these include fraudulent card-not-present transactions. Also include any fraudulent
remote transactions classified as card-present solely because of the level of authentication.
17b.1.

Mail-order/telephone-order transactions

17b.2.

Internet purchase transactions (E-commerce)

17b.3.

17b.4.

Other/unknown remote transactions

Third-party fraudulent in-person transactions by authentication method
18.

Third-party fraudulent in-person transactions (repeat item 17a) = 18a + 18b
18a.

18b.

19.

18a.1.

Transactions with a PIN

18a.2.

Transactions without a PIN

18b.1.

Transactions with a PIN

18b.2.

Transactions without a PIN

19a.

Contact chip card transactions

19b.

Contactless transactions

Third-party fraudulent transactions with domestic or cross-border merchants/payees
Third-party fraudulent transactions (repeat item 16) = 20a + 20b

20b.

Unknown/Nonzero

Transactions without chip-authentication = 18b.1 + 18b.2

Third-party fraudulent in-person transactions with chip-authentication (repeat item 18a)

20a.

Value ($)

Transactions with chip-authentication = 18a.1 + 18a.2

= 19a + 19b

20.

Number

Domestic transactions with US cards (merchants/payees within the US)
Cross-border transactions with US cards (merchants/payees outside the US)
= 20b.1 + 20b.2
20b.1.

In-person transactions

20b.2.

Remote transactions

Number
Unknown/Nonzero

Value ($)
Unknown/Nonzero

Third-party fraudulent transactions from consumer or business/government accounts
21.

Third-party fraudulent transactions (repeat item 16) = 21a + 21b
21a.

Number
Unknown/Nonzero

Value ($)
Unknown/Nonzero

Transactions from consumer accounts
Fraudulent transactions made with cards (including virtual cards) issued to a consumer
for the purpose of making consumer-related transactions.

21b.

Third-party fraudulent transaction value distribution
22.

Number

Third-party fraudulent transactions (repeat item 16)

Unknown/Nonzero

= 22a + 22b + 22c + 22d + 22e + 22f + 22g + 22h + 22i
22a.

Transactions with less than $5.00 in total value

22b.

Transactions with $5.00 to $9.99 in total value

22c.

Transactions with $10.00 to $14.99 in total value

22d.

Transactions with $15.00 to $24.99 in total value

22e.

Transactions with $25.00 to $49.99 in total value

22f.

Transactions with $50.00 to $99.99 in total value

22g.

Transactions with $100.00 to $499.99 in total value

22h.

Transactions with $500.00 to $999.99 in total value

22i.

Transactions with $1000.00 or greater in total value

Third-party fraudulent transactions with non-US cards
23.

Value ($)
Unknown/Nonzero

Number

Value ($)

Active cards

Total cards

Third-party fraudulent transactions with non-US cards
(merchants/payees within the US and not included in item 16)

Number of cards outstanding
24.

Number of active and total debit cards outstanding as of December 31, 2018
= 24a + 24b
24a. Cards for consumer accounts
24b. Cards for business/government (commercial) accounts

Comments:

General-Purpose Prepaid Card Network Payment Survey
For total general-purpose prepaid card network transactions, include all those initiated by the acquirer and made with US
general-purpose prepaid cards issued on US-domiciled accounts carrying your organization's network brand. Include both
domestic and cross-border transactions made with those cards, except for items 13 and 24 which cover non-US cards
transactions made to US merchants/payees.
Do not include: Credit card, non-prepaid debit card, or non-network transactions. Do not include electronic benefits transfer
(EBT) card transactions, ATM transactions, or transactions originated from foreign accounts (except for items 13 and 24).
Please enter actual figures for the calendar year 2018. Figures are automatically rounded to the nearest whole numbers.
Please leave no survey item blank. If a figure is zero, please enter a zero. Enter " NR " if a figure is unknown, nonzero, and
cannot be accurately estimated. Some figures are automatically calculated or repeated. If necessary, these can be changed
by entering figures into the " Override automatic entry " columns to the right.

Cell types:
1. Direct data entry. For numeric data, type the actual number or dollar amount.
(Cells have a thicker border when a formula is involved, for example, 3 = 2 - 2a, 6 = 6a + 6b.)

2. Automatic entry of calculations or repeated figures. Cell is protected: Override if necessary.
(Automatic entry cells display "Unknown/Nonzero" until required information is provided.)

3. Option button selection. Click on the button with the option you would like to choose.
(In the example to the right, Option 1 is the default selection.)

Unknown/Nonzero

Option 1
Option 2

4. All-that-apply check box selection. Click on all the boxes with the options you would like to choose.
(In the example to the right, Option 1 and Option 3 are selected.)

Option 1
Option 2
Option 3

Please refer to the Glossary for definitions and examples.

Calendar year 2018 general-purpose prepaid card transactions
1.

Number

Value ($)

Total transactions
Do not include: electronic benefits transfer (EBT) card transactions, ATM transactions or thansactions
that your organization processed but were originated on another network.
1a.

Total authorized transactions
= 1 - 1a
2a.

Less: Denials (authorization declined)

3b.

Unknown/Nonzero

Less: Pre-authorization only (authorized but not settled)

Net, authorized & settled transactions
= 2 - 2a
3a.

Unknown/Nonzero

Less: Cash-back at the point of sale
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 (POS) purchase transaction with cash back is counted as one transaction.
Do not subtract the number of cash-back transactions. Only subtract the dollar value
amount of the cash-back transactions.

Preferred basis for reporting
payment transactions
5.

Among the different subtotals of payment transactions listed above, which would you prefer to

2. Total authorized transactions

use to report more detailed allocations of payment transactions below?

3. Net, authorized & settled transactions

If possible, please use 3. Net, authorized & settled transactions (the default selection).

4. Net, purchase transactions

Transactions by channel
6.

Number

Net, authorized & settled transactions = 6a + 6b
6a.

Unknown/Nonzero

Value ($)
Unknown/Nonzero

In-person transactions
Transactions for which the card user is present, including card-present transactions and mobile
transactions at the point of sale. Also include card-not-present transactions for which the card
user is present at the point of sale (e.g., key-entered transactions). Do not include remote
transactions classified as card-present solely because of the level of authentication.

6b.

Remote transactions (person not at merchant location)
= 6b.1 + 6b.2 + 6b.3 + 6b.4
Transactions for which the card user is not physically present at a merchant location.
Typically, this includes card-not-present transactions. Also include any remote
transactions classified as card-present solely because of the level of authentication.
6b.1.

Mail-order/telephone-order transactions

6b.2.

Internet purchase transactions (E-commerce)

6b.3.

Recurring/installment transactions
Payments of bills or invoices, often on a prearranged basis, based on an ongoing
customer relationship. Also include payments made on an installment basis.

6b.4.

Other/unknown

In-person transactions by authentication method
7.

In-person transactions (repeat item 6a) = 7a + 7b
7a.

7b.

Number
Unknown/Nonzero

Unknown/Nonzero

Transactions with chip-authentication = 7a.1 + 7a.2
7a.1.

Transactions with a PIN

7a.2.

Transactions without a PIN

Transactions without chip-authentication = 7b.1 + 7b.2
7b.1.

Transactions with a PIN

7b.2.

Transactions without a PIN

In-person transactions with chip-authentication (repeat item 7a) = 8a + 8b
8a.

Contact chip card transactions

8b.

Contactless transactions

Transactions with domestic or cross-border merchants/payees
9.

Value ($)

Net, authorized & settled transactions (repeat item 6) = 9a + 9b
9a.

Domestic transactions with US cards (merchants/payees within the US)

9b.

Cross-border transactions with US cards (merchants/payees outside the US)
= 9b.1 + 9b.2
9b.1.

In-person transactions

9b.2.

Remote transactions

Number
Unknown/Nonzero

Value ($)
Unknown/Nonzero

Transactions from consumer or business/government accounts
10.

Net, authorized & settled transactions (repeat item 6) = 10a + 10b
10a.

Number
Unknown/Nonzero

Value ($)
Unknown/Nonzero

Transactions from consumer accounts = 10a.1 + 10a.2
Transactions made with cards (including virtual cards) issued to a consumer for the purpose
of making consumer-related transactions.
10a.1. Transactions with government-administered general-purpose cards
Transactions made with cards (including virtual cards) issued to a consumer
for the purpose of providing government benefits. Include state and federal
programs with cash benefits such as unemployment, TANF, or Social Security.
10a.2. Transactions from other consumer accounts
(including business-sponsored payroll)
Transactions made with cards (including virtual cards) issued to a consumer
including reloadable and non-reloadable gift cards, FSA/HAS medical cards,
customer refund and incentive cards, and business-sponsored payroll cards
which are issued to employees for the purpose of paying them and/or
making consumer-related transactions.

10b.

Transactions with reloadable or non-reloadable cards
11.

Number

Net, authorized & settled transactions (repeat item 6) = 11a + 11b
11a.

Transactions with reloadable cards

11b.

Transactions with non-reloadable cards

Transaction value distribution
12.

Number

Net, authorized & settled transactions (repeat item 6)

Unknown/Nonzero

= 12a + 12b + 12c + 12d + 12e + 12f + 12g + 12h + 12i
12a.

Transactions with less than $5.00 in total value

12b.

Transactions with $5.00 to $9.99 in total value

12c.

Transactions with $10.00 to $14.99 in total value

12d.

Transactions with $15.00 to $24.99 in total value

12e.

Transactions with $25.00 to $49.99 in total value

12f.

Transactions with $50.00 to $99.99 in total value

12g.

Transactions with $100.00 to $499.99 in total value

12h.

Transactions with $500.00 to $999.99 in total value

12i.

Transactions with $1000.00 or greater in total value

Transactions with non-US cards
13.

Unknown/Nonzero

Number

Total transactions with non-US cards
(merchants/payees within the US and not included in item 6)

Value ($)
Unknown/Nonzero

Value ($)

Third-party fraudulent transactions
14.

Please indicate if your network would be able to provide third-party fraud data.

Yes

If Yes (the default selection), please skip question 14a below.

No
1

14a.

If No, please provide reasons to help us better understand the industry and select all that apply.

Do not track fraud

FALSE

Not enough resource

FALSE

Data sensitivity

FALSE

Other

FALSE

If Other, please sepcify:
Preferred basis for reporting thirdparty fraudulent transactions
15.

Some organizations may track third-party fraudulent transactions differently than payment transactions.

2. Total authorized transactions

On which basis would you prefer to report third-party fraudulent transactions below?

3. Net, authorized & settled transactions

If possible, please use 3. Net, authorized & settled transactions (the default selection).

4. Net, purchase transactions

Number
16.

Value ($)

Third-party fraudulent transactions (based on 3. Net, authorized & settled transactions)
= 16a + 16b + 16c + 16d + 16e + 16f
Include all unauthorized third-party fraudulent transactions that cleared and settled for which funds subsequently
became available to the perpetrator. Do not include fraud attempts that were prevented before they were cleared and
settled, or fraud committed by the accountholder or other users authorized to make payments.
16a.

Lost or stolen card

16b.

Card issued but not received

16c.

Fraudulent application (account issued to someone using a fake identity)

16d.

Counterfeit card (card-present/stolen card data)

16e.

Fraudulent use of account number (card-not-present/stolen card data)

16f.

Other (including account takeover)
2

Third-party fraudulent transactions by channel
17.

Number

Third-party fraudulent transactions (repeat item 16) = 17a + 17b
17a.

In-person transactions

17b.

Fraudulent transactions for which the card user is present, including fraudulent card-present
transactions and fraudulent mobile transactions at the point of sale. Also include fraudulent
card-not-present transactions for which the card user is present at the point of sale (e.g., keyentered transactions). Do not include fraudulent remote transactions classified as card-present
solely because of the level of authentication.
Remote transactions (person not at merchant location)
= 17b.1 + 17b.2 + 17b.3 + 17b.4
Fraudulent transactions for which the card user is not physically present at a merchant location.
Typically, these include fraudulent card-not-present transactions. Also include any fraudulent
remote transactions classified as card-present solely because of the level of authentication.
17b.1.

Mail-order/telephone-order transactions

17b.2.

Internet purchase transactions (E-commerce)

17b.3.

17b.4.

Other/unknown fraudulent remote transactions

Unknown/Nonzero

Value ($)
Unknown/Nonzero

Third-party fraudulent in-person transactions by authentication method
18.

Third-party fraudulent in-person transactions (repeat item 17a) = 18a + 18b
18a.

18b.

19.

Value ($)

Unknown/Nonzero

Transactions with chip-authentication = 18a.1 + 18a.2
18a.1.

Transactions with a PIN

18a.2.

Transactions without a PIN

Transactions without chip-authentication = 18b.1 + 18b.2
18b.1.

Transactions with a PIN

18b.2.

Transactions without a PIN

Third-party fraudulent in-person transactions with chip-authentication (repeat item 18a)
= 19a + 19b
18a.

Contact chip card transactions

18b.

Contactless transactions

Third-party fraudulent transactions with domestic or cross-border merchants/payees
20.

Number

Third-party fraudulent transactions (repeat item 16) = 20a + 20b
20a.

Domestic transactions with US cards (merchants/payees within the US)

20b.

Cross-border transactions with US cards (merchants/payees outside the US)

Number
Unknown/Nonzero

Value ($)
Unknown/Nonzero

= 20b.1 + 20b.2
20b.1.

In-person transactions

20b.2.

Remote transactions

Third-party fraudulent transactions from consumer or business/government accounts
21.

Third-party fraudulent transactions (repeat item 16) = 21a + 21b
21a.

Transactions from consumer accounts = 21a.1 + 21a.2
Fraudulent transactions made with cards (including virtual cards) issued to a consumer
for the purpose of making consumer-related transactions.
21a.1. Transactions with government-administered general-purpose cards
Fraudulent transactions made with cards (including virtual cards) issued to a
consumer for the purpose of providing government benefits. Include state and
federal programs with cash benefits such as unemployment, TANF, or Social Security.
21a.2. Transactions from other consumer accunts
(including fraudulent business-sponsored payroll)
Fraudulent transactions made with cards (including virtual cards) issued to a
consumer including reloadable and non-reloadable gift cards, FSA/HAS medical cards,
customer refund and incentive cards, and business-sponsored payroll cards
which are issued to employees for the purpose of paying them and/or
making consumer-related transactions.

21b.

Number
Unknown/Nonzero

Value ($)
Unknown/Nonzero

Third-party fraudulent transactions with reloadable or non-reloadable card
22.

Third-party fraudulent transactions (repeat item 16) = 22a + 22b
22a.

Transactions with reloadable cards

22b.

Transactions with non-reloadable cards

Third-party fraudulent transaction value distribution
23.

Unknown/Nonzero

= 23a + 23b + 23c + 23d + 23e + 23f + 23g + 23h + 23i
Transactions with less than $5.00 in total value

23b.

Transactions with $5.00 to $9.99 in total value

23c.

Transactions with $10.00 to $14.99 in total value

23d.

Transactions with $15.00 to $24.99 in total value

23e.

Transactions with $25.00 to $49.99 in total value

23f.

Transactions with $50.00 to $99.99 in total value

23g.

Transactions with $100.00 to $499.99 in total value

23h.

Transactions with $500.00 to $999.99 in total value

23i.

Transactions with $1000.00 or greater in total value

Third-party fraudulent transactions with non-US cards
24.

Unknown/Nonzero

Number

Third-party fraudulent transactions (repeat item 16)
23a.

Number

Value ($)
Unknown/Nonzero

Number

Value ($)

Active cards

Total cards

Third-party fraudulent transactions with non-US cards
(merchants/payees within the US and not included in item 16)

Number of cards outstanding
25.

Number of active and total general-purpose prepaid cards outstanding
as of December 31, 2018 = 25a + 25b
25a.

Cards for consumer accounts

25b.

Cards for business/government (commercial) accounts

Comments:

Automated Teller Machine Card Network Transaction Survey
For total automated teller machine (ATM) card network transactions, please include all those initiated by the acquirer,
made with US debit cards (including ATM cards), prepaid cards and credit cards which are issued on US-domiciled
accounts, and processed through your organization's ATM network switch. Include both domestic and cross-border
transactions made with those cards, except for items 3 and 7 which cover non-US cards cash withdrawals processed
through your organization's ATM network switch within the US.
Please enter actual figures for the calendar year requested below. Figures are automatically rounded to the nearest
whole numbers. Please leave no survey item blank. If a figure is zero, please enter a zero. Enter " NR " if a figure is
unknown, nonzero, and cannot be accurately estimated. Some figures are automatically calculated or repeated. If
necessary, these can be changed by entering figures into the " Override automatic entry " columns to the right.
Cell types:

Reminder:
• Leaving cells blank may cause
problems or inconsistencies.
• If a figure is zero, please enter a
zero.
• If a figure is unknown, nonzero, and
cannot be accurately estimated,
please enter "NR".

1. Direct data entry. For numeric data, type the actual number or dollar amount.
(Cells have a thicker border when a formula is involved, for example, 1c = 1c.1 + 1c.2 + 1c.3.)

2. Automatic entry of calculations or repeated figures. Cell is protected: Override if necessary.
(Automatic entry cells display "Unknown/Nonzero" until required information is provided.)

Unknown/Nonzero

3. No data entry needed.
4. Option button selection. Click on the button with the option you would like to choose.
(In the example to the right, Option 1 is the default selection.)

Option 1
Option 2

5. All-that-apply check box selection. Click on all the boxes with the options you would like to choose.
(In the example to the right, Option 1 and Option 3 are selected.)

Option 1
Option 2
Option 3

Please refer to the Glossary for definitions and examples.

Calendar year 2018 ATM transactions
1.

Value ($)

Number

Value ($)

Total ATM transactions
1a.

Denials/declines

1b.

Balance inquiries

1c.

Cash withdrawals = 1c.1 + 1c.2 + 1c.3
1c.1.

From debit cards

1c.2.

From prepaid cards = 1c.2.1 + 1c.2.2

1c.3.

1c.2.1.

Government-administered general-purpose prepaid cards

1c.2.2.

Other prepaid cards

From credit cards

1d.

Deposits

1e.

Account-to-account transfers

1f.

Other

Cash withdrawals from domestic or cross-border ATMs
2.

Number

Cash withdrawals (repeat item 1c) = 2a + 2b

Unknown/Nonzero

2a.

Domestic cash withdrawals with US cards (ATMs within the US)

2b.

Cross-border cash withdrawals with US cards (ATMs outside the US)

Unknown/Nonzero

Cash withdrawals with non-US cards
3.

Number

Value ($)

Cash withdrawals with non-US cards (ATMs within the US and not included in item 1c)

Third-party fraudulent cash withdrawals
4.

Please indicate if your network would be able to provide third-party fraud data.

Yes

If Yes (the default selection), please skip question 4.a below.

No
1

4a.

If No, please provide reasons to help us better understand the industry and select all that apply.

Do not track fraud

FALSE

Not enough resource

FALSE

Data sensitivity

FALSE

Other

FALSE

If Other, please sepcify:

Number

Value ($)

Number

Value ($)

Third-party fraudulent cash withdrawals = 5a + 5b + 5c + 5d + 5e
Include all unauthorized third-party fraudulent cash withdrawals that cleared and settled for which funds
subsequently became available to the perpetrator. Do not include fraud attempts that were prevented before
they were cleared and settled, or fraud committed by the accountholder or other users authorized to make cash
withdrawals.
5a.

Lost or stolen card

5b.

Card issued but not received

5c.

Fraudulent application (account issued to someone using a fake identity)

5d.

Counterfeit card (card-present/stolen card data)

5e.

Other (including account takeover)

Third-party fraudulent cash withdrawals from domestic or cross-border ATMs
6.

Third-party fraudulent cash withdrawals (repeat item 5) = 6a + 6b
6a.

Domestic cash withdrawals with US cards (ATMs within the US)

6b.

Cross-border cash withdrawals with US cards (ATMs outside the US)

Third-party fraudulent cash withdrawals with non-US cards
7.

Unknown/Nonzero

Number

Third-party fraudulent cash withdrawals with non-US cards
(ATMs within the US and not included in item 5)

Number of ATM terminals
8.

Total terminals

Number of ATM terminals as of December 31, 2017 = 8a + 8b
8a.

Chip-accepted terminals

8b.

Chip-not-accepted terminals

Number of ATM terminals as of December 31, 2018 = 9a + 9b
9a.

Chip-accepted terminals

9b.

Chip-not-accepted terminals

Unknown/Nonzero

Value ($)

Comments:

General-Purpose Prepaid Card Processor Payment Survey
For total general-purpose prepaid card transactions, please include all types of network-branded (open-loop)
transactions intiated by the acquirer and made with US general-purpose prepaid cards issed on US-domiciled
accounts for which you were the processor. Include both domestic and cross-border transactions made from those
cards. Include government-administered general-purpose prepaid card transactions but exclude electronic benefits
transfer (EBT) card transactions.
Do not include: Private-label (closed-loop) prepaid card transactions, non-prepaid debit card transactions, credit
card transactions, or electronic benefits transfer (EBT) card transactions. Do not include transactions originated from
foreign accounts.
Note: Any fees charged to the cards (e.g., monthly transaction fees, dormancy fees) are not considered to be
transactions and should be excluded.
Please enter actual figures for the calendar year 2018. Figures are automatically rounded to the nearest whole
numbers. Please leave no survey item blank. If a figure is zero, please enter a zero. Enter " NR " if a figure is
unknown, nonzero, and cannot be accurately estimated. Some figures are automatically calculated or repeated. If
necessary, these can be changed by entering figures into the " Override automatic entry " columns to the right.

Cell types:
1. Direct data entry. For numeric data, type the actual number or dollar amount.
(Cells have a thicker border when a formula is involved, for example, 2 = 1 - 1a, 6 = 6a + 6b.)

2. Automatic entry of calculations or repeated figures. Cell is protected: Override if necessary.
(Automatic entry cells display "Unknown/Nonzero" until required information is provided.)

3. Option button selection. Click on the button with the option you would like to choose.
(In the example to the right, Option 1 is the default selection.)

Unknown/Nonzero

Option 1
Option 2

Please refer to the Glossary for definitions and examples.

Calendar year 2018 general-purpose prepaid card transactions
1.

Number

Value ($)

Total transactions
Do not include electronic benefits transfer (EBT) card transactions. Do not include card funding
transactions, requested separately in questions 13 and 14. Do not include ATM cash withdrawal
transactions, requested separately in question 7.
1a. Less: Denials (authorization declined)

Total authorized transactions
= 1 - 1a
2a.

3b.

Unknown/Nonzero

Less: Pre-authorization only (authorized but not settled)

Net, authorized & settled transactions
= 2 - 2a
3a.

Unknown/Nonzero

Less : Cash-back at the point of sale
Less: Adjustments and returns
= 3b.1 + 3b.2

3b.1.

Chargebacks (issuer initiated)

3b.2.

Other adjustments and returns (acquirer initiated)

Preferred basis for reporting
payment transactions
5.

Among the different subtotals of payment transactions listed above, which would you

2. Total authorized transactions

prefer to use to report more detailed allocations of payment transactions below?

3. Net, authorized & settled transactions

If possible, please use 3. Net, authorized & settled transactions (the default selection).

4. Net, purchase transactions

Transactions by channel
6.

Number

Net, authorized & settled transactions = 6a + 6b
6a.

Unknown/Nonzero

Value ($)
Unknown/Nonzero

In-person transactions
Transactions for which the card user is present, including card-present transactions and mobile
transactions at the point of sale. Also include card-not-present transactions for which the card
user is present at the point of sale (e.g., key-entered transactions). Do not include remote
transactions classified as card-present solely because of the level of authentication.

6b.

Remote transactions (person not at merchant location)
Transactions for which the card user is not physically present at a merchant location.
Typically, this includes card-not-present transactions. Also include any remote
transactions classified as card-present solely because of the level of authentication.

Transactions from consumer or business/government accounts
7.

Net, authorized & settled transactions (repeat item 6) = 7a + 7b
7a.

Transacions from consumer accounts = 7a.1 + 7a.2
Transactions made with cards (including virtual cards) issued to a consumer for the purpose
of making consumer-related transactions.
7a.1.

Transactions with government-administered general-purpose cards
Transactions made with cards (including virtual cards) issued to a consumer
for the purpose of providing government benefits. Include state and federal
programs with cash benefits such as unemployment, TANF, or Social Security.

7a.2.

Transactions from other consumer accounts
= 7a.2.1 + 7a.2.2 + 7a.2.3 + 7a.2.4 + 7a.2.5

7b.

7a.2.1.

Gift cards

7a.2.2.

FSA/HSA medical cards

7a.2.3.

Customer refund & incentive cards

7a.2.4.

Payroll cards

7a.2.5.

Other consumer cards

Number
Unknown/Nonzero

Value ($)
Unknown/Nonzero

Transaction value distribution
8.

Number

Net, authorized & settled transactions (repeat item 6)

Unknown/Nonzero

= 8a + 8b + 8c + 8d + 8e + 8f + 8g + 8h + 8i
8a.

Transactions with less than $5.00 in total value

8b.

Transactions with $5.00 to $9.99 in total value

8c.

Transactions with $10.00 to $14.99 in total value

8d.

Transactions with $15.00 to $24.99 in total value

8e.

Transactions with $25.00 to $49.99 in total value

8f.

Transactions with $50.00 to $99.99 in total value

8g.

Transactions with $100.00 to $499.99 in total value

8h.

Transactions with $500.00 to $999.99 in total value

8i.

Transactions with $1000.00 or greater in total value

ATM cash withdrawals
9.

Number

Value ($)
Unknown/Nonzero

Value ($)

ATM cash withdrawal transactions = 9a + 9b
9a.

ATM cash withdrawals with government-administered general-purpose cards
State and federal programs with cash benefits (e.g., TANF, Social Security, unemployment)
and may use Quest rules.

9b.

Other ATM cash withdrawals
Preferred basis for reporting third-

Third-party fraudulent transactions
10.

party fraudulent transactions

Some organizations may track third-party fraudulent transactions differently than payment

2. Total authorized transactions

transactions. On which basis would you prefer to report third-party fraudulent transactions below?

3. Net, authorized & settled transactions

If possible, please use 3. Net, authorized & settled transactions (the default selection).

4. Net, purchase transactions

Number
11.

Third-party fraudulent transactions (based on 3. Net, authorized & settled transactions)
= 11a + 11b + 11c + 11d + 11e + 11f
Include all unauthorized third-party fraudulent transactions that cleared and settled for which funds
subsequently became available to the perpetrator. Do not include fraud attempts that were prevented before
they were cleared and settled, or fraud committed by the accountholder or other users authorized to make
payments.
11a.

Lost or stolen card

11b.

Card issued but not received

11c.

Fraudulent application (account issued to someone using a fake identity)

11d.

Counterfeit card (card-present/stolen card data)

11e.

Fraudulent use of account number (card-not-present/stolen card data)

11f.

Other (including account takeover)

Value ($)

Third-party fraudulent transactions by channel
12.

Number

Third-party fraudulent transactions (repeat item 11) = 12a + 12b
12a.

Unknown/Nonzero

Value ($)
Unknown/Nonzero

12b.

Remote transactions (person not at merchant location)
Fraudulent transactions for which the card user is not physically present at a merchant location.
Typically, these include fraudulent card-not-present transactions. Also include any fraudulent
remote transactions classified as card-present solely because of the level of authentication.

Card funding - how value was loaded into card account
13.

13a.

Initial loads

13b.

Reloads

13c.

Other credits/loads

Total credits/loads (repeat item 13) = 14a + 14b + 14c + 14d + 14e
14a.

Cash

14b.

Check

14c.

General-purpose card (credit, debit, or prepaid)

14d.

ACH

14e.

Other

Number of cards outstanding
15.

Value ($)

Number

Value ($)

Total credits/loads = 13a + 13b + 13c

Credits/loads by instrument
14.

Number

Active cards

Number of active and total general-purpose prepaid cards outstanding
as of December 31, 2018 = 15a + 15b
15a. Cards for consumer accounts
= 15a.1 + 15a.2 + 15a.3 + 15a.4 + 15a.5 + 15a.6

15b.

Unknown/Nonzero

15a.1.

Government-administered general-purpose cards

15a.2.

Gift cards

15a.3.

FSA/HSA medical cards

15a.4.

Customer refund & incentive cards

15a.5.

Payroll cards

15a.6.

Other cards for consumer accounts

Cards for business/government (commercial) accounts

Unknown/Nonzero

Total Cards

Comments:

Electronic Benefits Transfer Card Processor Payment Survey
For total electronic benefits transfer (EBT) card transactions, please include all those that are initated with an EBT card
to access funds and/or make purchases at approved merchants accordance with US government-administered program
rules for SNAP, TANF, WIC, and cash benefits. Include purchases and cash-back at the point of sale, ATM withdrawals
and other payments using EBT cards for which your organization was the processor.
Please enter actual figures for the calendar year 2018. Figures are automatically rounded to the nearest whole
numbers. Please leave no survey item blank. If a figure is zero, please enter a zero. Enter " NR " if a figure is
unknown, nonzero, and cannot be accurately estimated. Some figures are automatically calculated or repeated. If
necessary, these can be changed by entering figures into the " Override automatic entry " columns to the right.

Reminder:
• Leaving cells blank may cause
problems or inconsistencies.
• If a figure is zero, please enter
a zero.
• If a figure is unknown, nonzero,
and cannot be accurately
estimated, pease enter "NR".

Cell types:
1. Direct data entry. For numeric data, type the actual number or dollar amount.
(Cells have a thicker border when a formula is involved, for example, 2 = 1 - 1a, 6 = 6a + 6b + 6c + 6d.)

2. Automatic entry of calculations or repeated figures. Cell is protected: Override if necessary.
(Automatic entry cells display "Unknown/Nonzero" until required information is provided.)

3. Option button selection. Click on the button with the option you would like to choose.
(In the example to the right, Option 1 is the default selection.)

Unknown/Nonzero

Option 1
Option 2

Please refer to the Glossary for definitions and exampels.

Calendar year 2018 EBT card transactions
1.

Number

Value ($)

Total transactions
1a. Less: Denials (authorization declined)

Total authorized transactions
= 1 - 1a

Unknown/Nonzero

2a. Less: Pre-authorization only (authorized but not settled)
3.

Net, authorized & settled transactions
= 2 - 2a
3a.

Less: Cash-back at the point of sale

3b.

Less: ATM cash withdrawals

3c.

Less: Adjustments and returns

Net, purchase transactions
= 3 - 3a - 3b - 3c

Preferred basis for reporting
payment transactions
5.

Among the different subtotals of payment transactions listed above, which would you

2. Total authorized transactions

prefer to use to report more detailed allocations of payment transactions below?

3. Net, authorized & settled transactions

If possible, please use 3. Net, authorized & settled transactions (the default selection).

4. Net, purchase transactions

Transactions by government-administered program type
6.

Number

Net, authorized & settled transactions = 6a + 6b + 6c + 6d

Unknown/Nonzero

6a.

SNAP

6b.

WIC

6c.

TANF

6d.

Other
e.g., state and federal programs with cash benefits including Social Security and unemployment

Value ($)
Unknown/Nonzero

Preferred basis for reporting third-

Third-party fraudulent transactions
7.

party fraudulent transactions

Some organizations may track third-party fraudulent transactions differently than payment

2. Total authorized transactions

transactions. On which basis would you prefer to report third-party fraudulent transactions below?

3. Net, authorized & settled transactions

If possible, please use 3. Net, authorized & settled transactions (the default selection).

4. Net, purchase transactions

Number

Value ($)

Active Cards

Total Cards

Third-party fraudulent transactions (based on 3. Net, authorized & settled transactions)
= 8a + 8b + 8c + 8d + 8e + 8f
Include all unauthorized third-party fraudulent transactions that cleared and settled for which funds subsequently
became available to the perpetrator. Do not include fraud attempts that were prevented before they were
cleared and settled, or fraud committed by the accountholder or other users authorized to make payments.
8a.

Lost or stolen card

8b.

Card issued but not received

8c.

Fraudulent application (account issued to someone using a fake identity)

8d.

Counterfeit card (card-present/stolen card data)

8e.

Fraudulent use of account number (card-not-present/stolen card data)

8f.

Other (including account takeover)

Number of cards outstanding
9.

Number of active and total EBT cards outstanding as of December 31, 2018
= 9a + 9b + 9c + 9d
9a.

SNAP

9b.

WIC

9c.

TANF

9d.

Other
e.g., state and federal programs with cash benefits including Social Security and unemployment

Comments:

Private-Label Prepaid Card Issuer and Processor Payment Survey
For total private-label prepaid card transactions, please include all those originated from US-domiciled accounts and
made with private-label (closed-loop) prepaid cards. Private-label prepaid card transactions are typically limited to a
single merchant brand or group of brands under a single merchant organization.
Do not include: General-purpose prepaid card, debit card, or credit card transactions. Do not include transactions
originated from foreign accounts. Also exclude card funding transactions (requested separately in question 12).
Note: Any fees charged to the cards (e.g., monthly transaction fees, dormancy fees) are not considered to be
transactions and should be excluded.
Please enter actual figures for the calendar year 2018. Figures are automatically rounded to the nearest whole
numbers. Please leave no survey item blank. If a figure is zero, please enter a zero. Enter " NR " if a figure is
unknown, nonzero, and cannot be accurately estimated. Some figures are automatically calculated or repeated. If
necessary, these can be changed by entering figures into the " Override automatic entry " columns to the right.

Reminder:
• Leaving cells blank may cause
problems or inconsistencies.
• If a figure is zero, please enter
a zero.
• If a figure is unknown, nonzero,
and cannot be accurately
estimated, please enter "NR".

Cell types:
1. Direct data entry. For numeric data, type the actual number or dollar amount.
(Cells have a thicker border when a formula is involved, for example, 2 = 1 - 1a, 5 = 5a + 5b.)

2. Automatic entry of calculations or repeated figures. Cell is protected: Override if necessary.
(Automatic entry cells display "Unknown/Nonzero" until required information is provided.)

3. Option button selection. Click on the button with the option you would like to choose.
(In the example to the right, Option 1 is the default selection.)

Unknown/Nonzero

Option 1
Option 2

Please refer to the Glossary for definitions and examples.

Calendar year 2018 private-label prepaid card transactions
1.

Number

Value ($)

Total transactions
Do not include card funding transactions (requested separately in question 12) or fees charged
to the cards (e.g., monthly transaction fees, dormancy fees).
1a. Less: Denials (authorization declined)

Total authorized transactions
= 1 - 1a

Unknown/Nonzero

2a. Less: Pre-authorization only (authorized but not completed or posted)
3.

Completed transactions (posted to card accounts)
= 2 - 2a
3a.

Less: Cash-back at the point of sale

3b.

Less: Adjustments and returns

Transactions by channel
5.

Number

Completed transactions (repeat item 3) = 5a + 5b
5a.

Unknown/Nonzero

Value ($)
Unknown/Nonzero

In-person transactions = 5a.1 + 5a.2 + 5a.3
Transactions for which the card user is present, including transactions initiated using
a merchant-issued card or token, using an app on a mobile device, and via instant credit
or lookup of account number. Also include purchases initiated online for pickup in store
where the payment is made in person.

5b.

5a.1.

Transactions initiated using a merchant-issued card or token

5a.2.

Transactions intiated using an app on a mobile device

5a.3.

Other (including instant credit or lookup of account number)

Remote transactions (person not at merchant location) = 5b.1 + 5b.2
Transactions for which the card user is not physically present at a merchant location.
5b.1.

Transactions with online payment and in-store pickup

5b.2.

Transactions with online payment and shipping to address
0

Transactions with reloadable or non-reloadable cards
6.

Number

Completed transactions (repeat item 3) = 6a + 6b
6a.

Transactions with reloadable cards

6b.

Transactions with non-reloadable cards

Unknown/Nonzero

Value ($)
Unknown/Nonzero

Transactions with purchased or redemption cards
7.

Number

Completed transactions (repeat item 3) = 7a + 7b
7a.

Unknown/Nonzero

Value ($)
Unknown/Nonzero

Transactions with purchased cards
Transactions with cards issued through a purchase or initial load using funds provided
by customer, such as a gift card.

7b.

Transactions with redemption (refund or incentive) cards
Transactions with cards issued to provide funds from the merchant to the customer, such as for
the disbursement of refunds for returned merchandise or for customer incentives such as rebates.

Third-party fraudulent transactions
8.

Number

Third-party fraudulent transactions = 8a + 8b + 8c + 8d + 8e + 8f
Include all unauthorized third-party fraudulent transactions that cleared and settled for which funds
subsequently became available to the perpetrator. Do not include fraud attempts that were prevented before
they were cleared and settled, or fraud committed by the accountholder or other users authorized to make
payments.
8a.

Lost or stolen card

8b.

Card issued but not received

8c.

Fraudulent application (account issued to someone using a fake identity)

8d.

Counterfeit card (card-present/stolen card data)

8e.

Fraudulent use of account number (card-not-present/stolen card data)

8f.

Other (including account takeover)

Value ($)

Third-party fraudulent transactions by channel
9.

Number

Third-party fraudulent transactions (repeat item 8) = 9a + 9b
9a.

Unknown/Nonzero

Value ($)
Unknown/Nonzero

In-person transactions = 9a.1 + 9a.2 + 9a.3
Fraudulent transactions for which the card user is present, including transactions initiated using
a merchant-issued card or token, using an app on a mobile device, and via instant credit or lookup
of account number. Also include fraudulent purchases initiated online for pickup in store where
the payment is made in person.

9b.

9a.1.

Transactions initiated using a merchant-issued card or token

9a.2.

Transactions intiated using an app on a mobile device

9a.3.

Other (including instant credit or lookup of account number)

Remote transactions (person not at merchant location) = 9b.1 + 9b.2
Fraudulent transactions for which the card user is not physically present at a merchant location.
9b.1.

Transactions with online payment and in-store pickup

9b.2.

Transactions with online payment and shipping to address

Third-party fraudulent transactions with reloadable or non-reloadable cards
10.

Third-party fraudulent transactions (repeat item 8) = 10a + 10b
10a.

Transactions with reloadable cards

10b.

Transactions with non-reloadable cards

Third-party fraudulent transactions with purchased or redemption cards
11.

Third-party fraudulent transactions (repeat item 8) = 11a + 11b
11a.

Number
Unknown/Nonzero

Value ($)
Unknown/Nonzero

Transactions with purchased cards
Fraudulent transactions with cards issued through a purchase or initial load using funds
provided by customer, such as a gift card.

11b.

Transactions with redemption (refund or incentive) cards
Fraudulent transactions with cards issued to provide funds from the merchant to the customer,
such as for the disbursement of refunds for returned merchandise or for customer
incentives such as rebates.

Card funding by customer or merchant - how value was loaded into card account
12.

Total credits/loads = 12a + 12b
12a.

12b.

Funds loaded by customers = 12a.1 + 12a.2
12a.1.

Initial loads

12a.2.

Reloads

Credits/loads provided by merchants (e.g., incentives, rewards, rebates)

Number

Value ($)

Number of cards outstanding
13.

Active cards

Number of active and total private-label prepaid cards outstanding
as of December 31, 2018 = 13a + 13b
13a.

Reloadable cards

13b.

Non-reloadable cards

Comments:

Total cards

Person-to-Person and Money Transfer Processor Payment Survey
For total person-to-person (P2P) and money transfer transactions, please include all those originated from a consumer or
consumer-owned (i.e., not a business- or government-owned) US-domiciled account and received by a consumer or
consumer-owned account. These funds transfers between individuals, usually feature an online system, agent, email or
mobile phone-based system. Include all transactions (domestic and cross-border transactions from accounts domiciled in
the US), except for items 6 and 10 which cover P2P transactions made from non-US-domiciled accounts to US payees.
Do not include: Transactions originated from or received by business or government-owned accounts, transactions
originated from foreign accounts, or account-to-account transfers for which both the originating and receiving accounts
were owned by the same accountholder (i.e., balance transfers). Do not include declined transactions.
Please enter actual figures for the calendar year 2018. Figures are automatically rounded to the nearest whole numbers.
Please leave no survey item blank. If a figure is zero, please enter a zero. Enter "NR" if a figure is unknown, nonzero, and
cannot be accurately estimated. Some figures are automatically calculated or repeated. If necessary, these can be
changed by entering figures into the " Override automatic entry " columns to the right.

Cell types:
1. Direct data entry. For numeric data, type the actual number or dollar amount.
(Cells have a thicker border when a formula is involved, for example, 2 = 2a + 2b.)

2. Automatic entry of calculations or repeated figures. Cell is protected: Override if necessary.
(Automatic entry cells display "Unknown/Nonzero" until required information is provided.)

Unknown/Nonzero

Please refer to the Glossary for definitions and examples.

Calendar year 2018 person-to-person & money transfer transactions
1.

Total transactions (repeat item 1) = 2a + 2b
2a.

Domestic transactions from US-domiciled accounts (payees within the US)

2b.

Cross-border transactions from US-domiciled accounts (payees outside the US)

Value ($)

Number

Total transactions (repeat item 1) = 3a + 3b + 3c + 3d
3a.

Website

3b.

Mobile phone (via an application or text message)

3c.

In person (via agent location, kiosk or ATM)

3d.

Other

Unknown/Nonzero

Transactions by clearing system between consumer accounts
4.

Number
Unknown/Nonzero

Transactions by origination channel
3.

Value ($)

Total transactions
Do not include declined transactions.

Transactions with domestic or cross-border payees
2.

Number

Total transactions (repeat item 1) = 4a + 4b + 4c + 4d + 4e

Unknown/Nonzero

4a.

Credit card/signature debit network

4b.

EFT/PIN debit network

4c.

ACH

4d.

Book transfer (e.g., a payment cleared via internal accounting transfer)

4e.

Other (e.g., check, wire)

Unknown/Nonzero

Value ($)
Unknown/Nonzero

Transaction value distribution
5.

Number

Total transactions (repeat item 1) = 5a + 5b + 5c + 5d + 5e + 5f + 5g
5a.

Transactions with less than $25.00 in total value

5b.

Transactions with $25.00 to $49.99 in total value

5c.

Transactions with $50.00 to $99.99 in total value

5d.

Transactions with $100.00 to $249.99 in total value

5e.

Transactions with $250.00 to $499.99 in total value

5f.

Transactions with $500.00 to $999.99 in total value

5g.

Transactions with $1000.00 or greater in total value

Transactions from non-US-domiciled accounts
6.

Unknown/Nonzero

Value ($)
Unknown/Nonzero

Number

Value ($)

Number

Value ($)

Number

Value ($)

Cross-border transactions from non-US-domiciled accounts
(payees within the US and not included in item 1)

Third-party fraudulent transactions
7.

Third-party fraudulent transactions
Include all unauthorized third-party fraudulent transactions that cleared and settled for which funds subsequently
became available to the perpetrator. Do not include fraud attempts that were prevented before they were cleared
and settled, or fraud committed by the accountholder or other users authorized to make payments.

Third-party fraudulent transactions with domestic or cross-border payees
8.

Third-party fraudulent transactions (repeat item 7) = 8a + 8b

Unknown/Nonzero

8a. Domestic transactions from US-domiciled accounts (payees within the US)
8b. Cross-border transactions from US-domiciled accounts (payees outside the US)

Third-party fraudulent transactions by origination channel
9.

Number

Third-party fraudulent transactions (repeat item 7) = 9a + 9b + 9c + 9d
9a.

Website

9b.

Mobile phone (via an application or text message)

9c.

In person (via agent location, kiosk or ATM)

9d.

Other

Third-party fraudulent transactions from non-US-domiciled accounts
10.

Third-party fraudulent transactions from non-US-domiciled accounts
(payees within the US and not included in item 7)

Comments:

Unknown/Nonzero

Number

Value ($)
Unknown/Nonzero

Value ($)

Online Bill Payment Processor Survey
For total online bill payments, please include all those originated through a financial institution or other intermediary’s
online bill payment portal (i.e. bank online bill payments) and directly via biller websites (i.e. biller-direct bill payments).
Only include transactions originated from US-domiciled accounts.
Note: In the case where a batch of bills were settled through a single combined payment to the biller (i.e., check and
list payments) please include transaction totals for the individual bills within the batch. Do not include batch
transactions because this will double count the individual bill totals. Also exclude declined transactions.
Please enter actual figures for the calendar year 2018. Figures are automatically rounded to the nearest whole
numbers. Please leave no survey item blank. If a figure is zero, please enter a zero. Enter "NR" if a figure is unknown,
nonzero, and cannot be accurately estimated. Some figures are automatically calculated or repeated. If necessary,
these can be changed by entering figures into the " Override automatic entry " columns to the right.

Reminder:
• Leaving cells blank may cause
problems or inconsistencies.
• If a figure is zero, please enter
a zero.
• If a figure is unknown, nonzero,
and cannot be accurately
estimated, please enter "NR".

Cell types:
1. Direct data entry. For numeric data, type the actual number or dollar amount.
(Cells have a thicker border when a formula is involved, for example, 1 = 1a + 1b.)

2. Automatic entry of calculations or repeated figures. Cell is protected: Override if necessary.
(Automatic entry cells display "Unknown/Nonzero" until required information is provided.)

Unknown/Nonzero

Please refer to the Glossary for definitions and examples.

Calendar year 2018 online bill payment transactions
1.

Number

Value ($)

Number

Value ($)

Total transactions = 1a + 1b
Do not include declined transactions.
1a. Bank/intermediary online bill payment transactions = 1a.1 + 1a.2
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
1b. Biller-direct online bill payment transactions = 1b.1 + b.2
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

Transactions by disbursement method – how funds were sent to billers
2.

Total transactions (repeat item 1) = 2a + 2b + 2c + 2d
2a.

ACH

2b.

Check

2c.

Wire

2d.

Other

Unknown/Nonzero

Transactions by funding method – how funds were collected from customers
3.

Total transactions (repeat item 1) = 3a + 3b + 3c + 3d + 3e
3a.

Cash

3b.

Check

3c.

General-purpose card (credit, debit or prepaid)

3d.

ACH

3e.

Other

Number
Unknown/Nonzero

Unknown/Nonzero

Value ($)
Unknown/Nonzero

Transaction value distribution - bank/intermediary online bill payments
4.

Bank/intermediary online bill payment transactions (repeat item 1a)
= 4a + 4b + 4c + 4d + 4e + 4f
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

Transaction value distribution - biller-direct online bill payments
5.

= 5a + 5b + 5c + 5d + 5e + 5f
Transactions with less than $25.00 in total value

5b.

Transactions with $25.00 to $49.99 in total value

5c.

Transactions with $50.00 to $99.99 in total value

5d.

Transactions with $100.00 to $249.99 in total value

5e.

Transactions with $250.00 to $499.99 in total value

5f.

Transactions with $500.00 or greater in total value

Third-party fraudulent transactions
6.

Include all unauthorized third-party fraudulent transactions that cleared and settled for which funds subsequently
became available to the perpetrator. Do not include fraud attempts that were prevented before they were
cleared and settled, or fraud committed by the accountholder or other users authorized to make payments.
Bank/intermediary online bill payment transactions

6b.

Biller-direct online bill payment transactions

Unknown/Nonzero

Number

Third-party fraudulent transactions = 6a + 6b

6a.

Unknown/Nonzero

Number

Biller-direct online bill payment transactions (repeat item 1b)
5a.

Number

Comments:

Value ($)
Unknown/Nonzero

Value ($)

Walk-In Bill Payment Processor Survey
For total walk-in bill payments, please include all transacions originated from US-domiciled accounts and made in
person that your organization received or processed on behalf of billers. Include only payments made at locations (e.g.,
kiosks, ATMs, agents, or retailers) other than those operated by the biller.

Reminder:

Do not include: Online, mail, or telephone bill payments. Do not include in-person bill payments made at locations
operated by the biller or bill payments originated from foreign accounts. Also exclude declined transactions.

• Leaving cells blank may cause
problems or inconsistencies.

Note: In the case where a batch of bills were settled through a single combined payment to the biller (i.e., check and list
payments) please include transaction totals for the individual bills within the batch. Do not include batch transactions
because this will double count the individual bill totals.

• If a figure is zero, please enter a
zero.

Please enter actual figures for the calendar year 2018. Figures are automatically rounded to the nearest whole
numbers. Please leave no survey item blank. If a figure is zero, please enter a zero. Enter "NR" if a figure is unknown,
nonzero, and cannot be accurately estimated. Some figures are automatically calculated or repeated. If necessary,
these can be changed by entering figures into the " Override automatic entry " columns to the right.

• If a figure is unknown, nonzero,
and cannot be auurately
estimzted, please enter "NR".

Cell types:
1. Direct data entry. For numeric data, type the actual number or dollar amount.
(Cells have a thicker border when a formula is involved, for example, 3 = 3a + 3b + 3c.)

2. Automatic entry of calculations or repeated figures. Cell is protected: Override if necessary.
(Automatic entry cells display "Unknown/Nonzero" until required information is provided.)

Unknown/Nonzero

Please refer to the Glossary for definitions and examples.

Calendar year 2018 walk-in bill payment transactions
1.

Total transactions (repeat item 1) = 2a + 2b + 2c + 2d

Number

Value ($)

2a.

ACH

2b.

Check

2c.

Wire

2d.

Other

Unknown/Nonzero

Transactions by funding method - how funds were collected from customers
3.

Value ($)

Total transactions
Do not include declined transactions.

Transactions by disbursement method – how funds were sent to billers
2.

Number

Total transactions (repeat item 1) = 3a + 3b + 3c
3a.

Cash

3b.

General-purpose card (credit, debit or prepaid)

3c.

Other

Number
Unknown/Nonzero

Unknown/Nonzero

Value ($)
Unknown/Nonzero

Transaction value distribution
4.

Number

Total transactions (repeat item 1) = 4a + 4b + 4c + 4d + 4e + 4f
4a.

Transactions authorized less than $25.00 in total value

4b.

Transactions authorized $25.00 to $49.99 in total value

4c.

Transactions authorized $50.00 to $99.99 in total value

4d.

Transactions authorized $100.00 to $249.99 in total value

4e.

Transactions authorized $250.00 to $499.99 in total value

4f.

Transactions authorized $500.00 or greater in total value

Third-party fraudulent transactions
5.

Unknown/Nonzero

Number

Third-party fraudulent transactions
Include all unauthorized third-party fraudulent transactions that cleared and settled for which funds subsequently
became available to the perpetrator. Do not include fraud attempts that were prevented before they were
cleared and settled, or fraud committed by the accountholder or other users authorized to make payments.

Comments:

Value ($)
Unknown/Nonzero

Value ($)

Private-Label ACH Debit Card Processor Payment Survey
For total private-lable ACH debit card transactions, please include all those made with private-label (merchant-branded)
payment cards for which the ACH system was used to settle daily card transactions, whether individually or on an
aggregated basis, from a cardholder deposit account linked to the card account (i.e. decoupled debit transactions). Only
include transactions originated from US-domiciled accounts.
Do not include: Transactions on prepaid cards or transactions on payment cards through which credit was routinely
extended to cardholders for more than one business day before an attempt was made to settle with cardholders. Do not
include transactions originated from foreign accounts.
Please enter actual figures for the calendar year 2018. Figures are automatically rounded to the nearest whole
numbers. Please leave no survey item blank. If a figure is zero, please enter a zero. Enter "NR" if a figure is unknown,
nonzero, and cannot be accurately estimated. Some figures are automatically calculated or repeated. If necessary,
these can be changed by entering figures into the " Override automatic entry " columns to the right.

Cell types:
1. Direct data entry. For numeric data, type the actual number or dollar amount.
(Cells have a thicker border when a formula is involved, for example, 2b = 2b.1 + 2b.2)

2. Automatic entry of calculations or repeated figures. Cell is protected: Override if necessary.
(Automatic entry cells display "Unknown/Nonzero" until required information is provided.)

Unknown/Nonzero

Please refer to the Glossary for definitions and examples.

Calendar year 2018 private-label ACH debit card transactions
1.

Number

Value ($)

Total transactions
1a. Less: Denials (authorization declined)

Completed transactions (posted to card accounts)
= 1 - 1a
2a.
2b.

Unknown/Nonzero

Less: Cash-back at the point of sale
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 (POS) purchase transaction with cash back is counted as one transaction.
Do not subtract the number of cash-back transactions. Only subtract the dollar value
amount of the cash-back transactions.

Transaction value distribution
4.

Number

Completed transactions (repeat item 2) = 4a + 4b + 4c + 4d + 4e + 4f + 4g
4a.

Transactions with less than $5.00 in total value

4b.

Transactions with $5.00 to $9.99 in total value

4c.

Transactions with $10.00 to $14.99 in total value

4d.

Transactions with $15.00 to $24.99 in total value

4e.

Transactions with $25.00 to $49.99 in total value

4f.

Transactions with $50.00 to $99.99 in total value

4g.

Transactions with $100.00 or greater in total value

Unknown/Nonzero

Value ($)
Unknown/Nonzero

Third-party fraudulent transactions
5.

Number

Third-party fraudulent transactions
Include all unauthorized third-party fraudulent transactions that cleared and settled for which funds subsequently
became available to the perpetrator. Do not include fraud attempts that were prevented before they were
cleared and settled, or fraud committed by the accountholder or other users authorized to make payments.

Comments:

Value ($)

Toll Collection Processor Payment Survey
For toll payment transactions, please include all those initiated at a toll gantry, gate or booth. Include toll payments
made via RFID transponders, video images of vehicle license plates, cash or other toll payments made by, e.g., generalpurpose card, token, or voucher.
Do not include: Funding transactions for registered/pre-established accounts, e.g., for RFID transponders or Pay-byPlate/Toll-by-Plate: These are requested separately in item 3. Do not include declined transactions. Also exclude the
administrative fees and penalties associated with uncollected tolls.
Please enter actual figures for the calendar year 2018. Figures are automatically rounded to the nearest whole
numbers. Please leave no survey item blank. If a figure is zero, please enter a zero. Enter "NR" if a figure is unknown,
nonzero, and cannot be accurately estimated. Some figures are automatically calculated or repeated. If necessary,
these can be changed by entering figures into the " Override automatic entry " columns to the right.

Reminder:
• Leaving cells blank may cause
problems or inconsistencies.
• If a figure is zero, please enter a
zero.
• If a figure is unkonwn, nonzero,
and cannot be accurately
estimated, please enter "NR".

Cell types:
1. Direct data entry. For numeric data, type the actual number or dollar amount.
(Cells have a thicker border when a formula is involved, for example, 1 = 1a + 1b + 1c + 1d.)

Please refer to the Glossary for definitions and examples.

Calendar year 2018 toll payment transactions
1.

Number

Value ($)

Number

Value ($)

Number

Value ($)

Toll payment transactions initiated at gantry, gate, or booth = 1a + 1b + 1c + 1d
1a. RFID transponder
1b. Video image of vehicle license plate
1c. Cash
1d. Other

Third-party fraudulent toll payment transactions
2.

Third-party fraudulent toll payment transactions initiated at gantry, gate, or booth
Include all unauthorized third-party fraudulent toll payment transactions regardless of whether or not the
transaction resulted in a loss of funds. Do not include fraud attempts that were denied. Also exclude fraudulent
funding transactions for registered accounts as in item 3 below.

Funding for registered accounts by instrument - how value was loaded into the account
3.

Total funding for registered accounts = 3a + 3b + 3c + 3d + 3e
Include funding for registered accounts associated with RFID transponders and Pay-by-Plate/Toll-by-Plate.
3a.

Cash

3b.

Check

3c.

General-purpose card (credit, debit or prepaid)

3d.

ACH

3e.

Other
Please specify:

Comments:

Online Payment Authentication Methods Processor Survey
For total transaction, please inculde all those supported by your organization using selected types of tools, software
and systems designed to enhance the security of online purchases in the US.

Reminder:
• Leaving cells blank may cause
problems or inconsistencies.

Please enter actual figures for the calendar year 2018. Figures are automatically rounded to the nearest whole
numbers. Please leave no survey item blank. If a figure is zero, please enter a zero. Enter " NR " if a figure is
unknown, nonzero, and cannot be accurately estimated. Some figures are automatically calculated or repeated. If
necessary, these can be changed by entering figures into the " Override automatic entry " columns to the right.
Cell types:

• If a figure is zero, please enter a
zero.
• If a figure is unknown, nonzero, and
cannot be accurately estimated,
please enter "NR".

1. Direct data entry. For numeric data, type the actual number or dollar amount.
(Cells have a thicker border when a formula is involved, for example, 1 = 1a + 1b + 1c + 1d)

2. Automatic entry of calculations or repeated figures. Cell is protected: Override if necessary.
(Automatic entry cells display "Unknown/Nonzero" until required information is provided.)

Unknown/Nonzero

Please refer to the Glossary for definitions and examples.

Calendar year 2018 online payment authentication methods
1.

Number

Value ($)

Number

Value ($)

Total transactions = 1a + 1b + 1c + 1d
Do not include declined transactions.
1a. Redirected from the merchant or biller site
1b. Secure online prepaid/escrow-account
1c. Token vault
1d. Other online payment authentication methods

Transaction value distribution
2.

Total transactions (repeat item 1) = 2a + 2b + 2c + 2d + 2e + 2f + 2g + 2h + 2i
2a.

Transactions with less than $5.00 in total value

2b.

Transactions with $5.00 to $9.99 in total value

2c.

Transactions with $10.00 to $14.99 in total value

2d.

Transactions with $15.00 to $24.99 in total value

2e.

Transactions with $25.00 to $49.99 in total value

2f.

Transactions with $50.00 to $99.99 in total value

2g.

Transactions with $100.00 to $249.99 in total value

2h.

Transactions with $250.00 to $499.99 in total value

2i.

Transactions with $500.00 or greater in total value

Third-party fraudulent transactions
3.

Unknown/Nonzero

Number

Third-party fraudulent transactions
Include all unauthorized third-party fraudulent transactions that cleared and settled for which funds
subsequently became available to the perpetrator. Do not include fraud attempts that were prevented before
they were cleared and settled, or fraud committed by the accountholder or other users authorized to make
payments.

Unknown/Nonzero

Value ($)

Comments:

Mobile Wallet Processor Payment Survey
Mobile wallet is a comprehensive digital solution designed to replace the physical wallet. It stores information about
credit and debit cards, loyalty rewards, and any other digitized information (e.g., event tickets, boarding pass) – all
managed, accessed and delivered via the mobile phone. Sensitive financial data is typically protected by a PIN, code, or
biometric features and/or tokenization. Please include all mobile wallet transactions completed with US-domiciled
accounts.
Please enter actual figures for the calendar year requested below. Figures are automatically rounded to the nearest
whole numbers. Please leave no survey item blank. If a figure is zero, please enter a zero. Enter " NR " if a figure is
unknown, nonzero, and cannot be accurately estimated. Some figures are automatically calculated or repeated. If
necessary, these can be changed by entering figures into the " Override automatic entry " columns to the right.

Cell types:
1. Direct data entry. For numeric data, type the actual number or dollar amount.
(Cells have a thicker border when a formula is involved, for example 1 = 1a + 1b + 1c.)

2. Automatic entry of calculations or repeated figures. Cell is protected: Override if necessary.
(Automatic entry cells display "Unknown/Nonzero" until required information is provided.)

3. Option button selection. Click on the button with the option you would like to choose.
(In the example to the right, Option 1 is the default selection.)

Unknown/Nonzero

Option 1
Option 2

Please refer to the Glossary for definitions and examples.

Calendar year 2018 mobile wallet transactions
1.

Number

Value ($)

Number

Value ($)

Total transactions = 1a + 1b + 1c
Do not include declined transactions.
1a.

1b.

Purchase transactions = 1a.1 + 1a.2
1a.1.

In-person transactions.

1a.2.

Mobile transactions at the point of sale.
Remote transactions (person not at merchant location)

Mobile transactions for which the card user is not physically present at a merchant location.
Person-to-person or peer-to-peer (P2P) transactions
Funds transfers between individuals.

1c.

Other transactions

Transaction value distribution
2.

Total transactions (repeat item 1) = 2a + 2b + 2c + 2d + 2e + 2f + 2g + 2h + 2i + 2j + 2k
2a.

Transactions with less than $1.00 in total value

2b.

Transactions with $1.00 to $2.99 in total value

2c.

Transactions with $3.00 to $4.99 in total value

2d.

Transactions with $5.00 to $9.99 in total value

2e.

Transactions with $10.00 to $14.99 in total value

2f.

Transactions with $15.00 to $24.99 in total value

2g.

Transactions with $25.00 to $49.99 in total value

2h.

Transactions with $50.00 to $99.99 in total value

2i.

Transactions with $100.00 to $499.99 in total value

2j.

Transactions with $500.00 to $999.99 in total value

2k.

Transactions with $1,000.00 or greater in total value

Unknown/Nonzero

Third-party fraudulent transactions
3.

Number

Value ($)

Third-party fraudulent transactions = 3a + 3b + 3c
Include all unauthorized third-party fraudulent transactions that cleared and settled for which funds subsequently
became available to the perpetrator. Do not include fraud attempts that were prevented before they were cleared
and settled, or fraud committed by the accountholder or other users authorized to make payments.
3a.

Purchase transactions = 3a.1 + 3a.2
3a.1. In-person transactions
3a.2. Remote transactions (person not at merchant location)

3b. Person-to-person or peer-to-peer (P2P) transactions
3c. Other
Preferred basis for

Number of provisioned mobile wallets
4.

reporting mobile wallet activity

Active mobile wallets are mobile wallets that were provisioned and were used to make at least

1 month

one purchase or bill payment over a period of time. On which basis would you prefer to report

3 months

active mobile walltes below? If possible, please use 1 year (the default selection).

6 months
1 year
Other, please describe below:

Active
mobile wallets
5.

Number of active and total provisioned mobile wallets as of December 31, 2017

Number of active and total provisioned mobile wallets as of December 31, 2018

Comments:

Total
mobile wallets

Transit System Operator Payment Survey
Survey of major transit organizations and their fare collection methods.

Reminder:

For unlinked passenger trips, please include complete fixed route and paratransit. Besides free rides, include trips initiated
using prefundeded fare cards, tickets, passes, tokens or cash.
Do not include: Funding transactions for prefunded fare cards (requested separately in item 4). Also exclude fees charged
to the fare media (e.g., monthly transaction fees, dormancy fees).
Please enter actual figures for the calendar year requested below. Figures are automatically rounded to the nearest whole
numbers. Please leave no survey item blank. If a figure is zero, please enter a zero. Enter " NR " if a figure is unknown,
nonzero, and cannot be accurately estimated.

• Leaving cells blank may cause
problems or inconsistencies.
• If a figure is zero, please enter a zero.
• If a figure is unknown, nonzero, and
cannot be accurately estimated,
please enter "NR".

Cell types:
1. Direct data entry. For numeric data, type the actual number or dollar amount.
(Cells have a thicker border when a formula is involved, for example 1 = 1a + 1b)

2. No data entry needed.
3. Option button selection. Click on the button with the option you would like to choose.
(In the example to the right, Option 1 is the default selection.)

Option 1
Option 2

Please refer to the Glossary for definitions and examples.

Calendar year 2018 unlinked passenger trips
1.

Number

Value ($)

Total unlinked passenger trips = 1a + 1b
Please provide the count and fares charged for unlinked passenger rides, including complete fixed route, paratransit
and free rides. Do not include funding transactions for prefunded fare cards, requested separately in item 4. Also
exclude fees charged to the fare media (e.g., monthly transaction fees, dormancy fees).
1a. Fare received from passengers
1b. Free rides

Unlinked passenger trips with fare received from passengers (repeat item 1a)
= 2a + 2b + 2c + 2d + 2e + 2f
2a. Cash payments
2b. General-purpose card (credit, debit or prepaid) payments
2c. Payments made by fare cards = 2c.1 + 2c.2
2c.1. Payments made by fare cards with chips (e.g., contactless card/token, NFC)
= 2c.1.1 + 2c.1.2
2c.1.1. Payments made by multiple-ride pass
2c.1.2. Payments made by other fare cards with chips
2c.2. Payments made by fare cards without chips
(e.g., magnetic stripe pass, metal token) = 2c.2.1 + 2c.2.2
2c.2.1. Payments made by multiple-ride pass
2c.2.2. Payments made by other fare cards without chips
2d.

Payments made by a mobile device

2e.

Payments made by other fare media

2f.

Other payments

Third-party fraudulent unlinked passenger trips
3.

Number

Value ($)

Number

Value ($)

Total third-party fraudulent unlinked passenger trips with fare received from passengers
= 3a + 3b + 3c + 3d + 3e
Please refer to question 2 above ONLY. Include all unauthorized third-party fraudulent unlinked passenger trips that
cleared and settled for which funds subsequently became available to the perpetrator. Do not include fraud attempts
that were prevented before they were cleared and settled, or fraud committed by the accountholder or other users
authorized to make payments.
3a.
3b.

General-purpose card (credit, debit or prepaid) payments
Payments made by fare cards = 3b.1 + 3b.2
3b.1. Payments made by fare cards with chips
(e.g., contactless card/token, NFC) = 3b.1.1 + 3b.1.2
3b.1.1. Payments made by multiple-ride pass
3b.1.2. Payments made by other fare cards with chips
3b.2. Payments made by fare cards withoutchips
(e.g., magnetic stripe pass, metal token) = 3b.2.1 + 3b.2.2
3b.2.1. Payments made by multiple-ride pass
3b.2.2. Payments made by other fare cards without chips

3c.

Payments made by a mobile device

3d.

Payments made by other fare media

3e.

Other payments

Funding for fare cards by instrument
4.

Total funding for fare cards = 4a + 4b + 4c + 4d + 4e
Please refer to question 2c above ONLY.
4a.

Cash

4b.

Check

4c.

General-purpose card (credit, debit, or prepaid)

4d.

ACH

4e.

Other
Please specify:

Preferred basis for

Number of fare cards outstanding
5.

reporting fare card activity

Active fare cards are those that were used to make at least one trip or fund loading over a period of time.

1 month

On which basis would you prefer to report active fare cards below?

3 months

If possible, please use 1 year (the default selection).

6 months
1 year
Other, please describe below:

Number of active and total fare cards outstanding as of December 31, 2017 = 6a + 6b
6a.

6b.

With chips (e.g., contactless card/token, NFC) = 6a.1 + 6a.2
6a.1.

Multiple-ride pass

6a.2.

Other fare cards with chips

Without chips (e.g., magnetic stripe pass, metal token) = 6b.1 + 6b.2
6b.1.

Multiple-ride pass

6b.2.

Other fare cards without chips

Number of active and total fare cards outstanding as of December 31, 2018 = 7a + 7b
7a.

7b.

With chips (e.g., contactless card/token, NFC) = 7a.1 + 7a.2
7a.1.

Multiple-ride pass

7a.2.

Other fare cards with chips

Without chips (e.g., magnetic stripe pass, metal token) = 7b.1 + 7b.2
7b.1.

Multiple-ride pass

7b.2.

Other fare cards without chips

Comments:

Active

Total

fare cards

File Type	application/pdf
File Modified	2019-07-22
File Created	2019-03-27