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pdfNetworks, Processors, and Issuers
Payments Surveys (NPIPS)
Survey Period:
Calendar Year 2024
TABLE OF CONTENTS
General-Purpose Credit Card Network (CY2024_A_GPCCN)
Private-Label Credit Card Merchant Issuer (CY2024_B_PLCCI)
Private-Label Credit Card Processor (CY2024_C_PLCCP)
General-Purpose Debit Card Network (CY2024_D_GPDCN)
General-Purpose Prepaid Card Network (CY2024_E_GPCCN)
Automated Teller Machine Card Network (CY2024_F_ATMCN)
General-Purpose Prepaid card Processor (CY2024_G_GPPCP)
Electronic Benefits Transfer Card Processor (CY2024_H _EBT)
Private-Label Prepaid Card Issuer and Processor (CY2024_J_PLPC)
P2P and Money Transfer Processor (CY2024_K_P2PMT)
Online Bill Payment Processor (CY2024_L_OLBP)
Walk-In Bill Payment Processor (CY2024_M_WIBP)
Private-Label ACH Debit Card Processor (CY2024_N_PLACHDC)
Online Payment Method Processor (CY2024_P_OLPM)
Mobile Wallet Processor (CY2024_Q_MW)
FR 3066b
OMB No. 7100-0351
Approval expires February 29, 2028
The Federal Reserve
Payments Study
General-Purpose Credit Card
Network Payment Survey
Survey Period:
Calendar Year 2024
Responding to this collection is voluntary. The Federal Reserve may not conduct or sponsor, and an organization is not required to
respond to, a collection of information unless it displays a currently valid OMB control number. 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.
Page 1 of 17
Networks, Processors, and Issuers Payments Surveys (NPIPS)
General-Purpose Credit Card Network Payment Survey
Instructions
About this survey
This survey, part of the NPIPS, covers general-purpose credit card network transactions for calendar year 2024 (CY2024). Allocations of
transactions are requested for several category types, including transactions classified as fraudulent by an unauthorized third party.
Counts of the number of active and total cards (including both physical and virtual cards) carrying your organization's network brand that
are issued and outstanding are also requested.
About the study
This survey and other NPIPS surveys are part of the Federal Reserve Payments Study (FRPS), which is conducted by the Federal
Reserve Bank of Atlanta and the Federal Reserve Board. Your response will be used in combination with peer responses to estimate
national aggregate volumes for CY2024. Aggregate results will be compared to those of previous studies to track changes and identify
trends in US payments.
Confidentiality
Any data 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. If your organization outsourced
payments processing to another organization during CY2024, please request the necessary data from that organization or
provide them with the survey so they may respond on behalf of your organization.
>> Please respond by: June 13, 2025 <<
Data entry
Please enter annual data for CY2024 in the Annual Data Entry tab (i.e., worksheet). Please enter quarterly data for items highlighted in
orange in the Quarterly Data Entry tab. If estimated amounts rather than actual amounts are reported for any item(s), please explain in
the comments field at the bottom of the tab. By default, tabs are protected and only cells needed for data entry are unlocked.
Example
1. Direct data entry (light blue boxes). For numeric data, key in the actual number or dollar amount.
Note: Items left blank can be difficult to interpret and may generate follow-up questions. If a positive amount cannot be provided,
please consider entering one of these alternatives:
* Enter "0" if the requested item is known to be zero. (This is appropriate for items that are not applicable to your organization.)
* Enter "NR" (not reported/not reportable) if the requested item is known to be nonzero but cannot be reported.
Example
2. Automatic entry of calculations or repeated figures (dark blue box). Cells are protected, but different amounts may be entered into the
override cells to the right (yellow box), if necessary. Only positive numeric amounts are valid for override cells.
Override
NR
(Automatic entry cells display "NR" until required information is provided.)
Example
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
Unexpected condition flags
As you fill out the survey, flags may be raised describing the results of simple arithmetic comparisons. These are intended to help you
identify potential mistakes and, if appropriate, correct them. However, it may not always be appropriate to revise data when flags are
raised, and you may choose to leave your response data as is. If that happens, please provide feedback and explanations in the
comments field at the bottom of each tab. Your comments may help us understand your data and avoid the need for follow up.
Conditions that can raise a flag include:
1. Logical inconsistencies: These check for essential arithmetical relationships among items based on survey definitions and structure.
They include adding-up conditions for items and their sub-items, pairing of zeros with nonzeros, and entry of NR when a known
amount is implied by other reported item amounts.
Examples
Item in Q3 is not equal to the sum of subitems: Q3 > Q3.a + Q3.b.
Inconsistent pair: Q3 Balance ($) cannot be 0 if Q3 Number is nonzero.
Item should be reportable if all related items (Q2, Q2.b) are reported.
Note: Leaving items blank will not throw flags. However, consistency problems may still exist when the amount is left blank but is
implied by other related item amounts. Such cases can be checked by entering NR when an item is not reported/not reportable. If
possible, please review your survey workbooks for any blank data-entry cells and replace them before submitting.
2. Exceeding set boundaries: These compare against lower and upper boundaries for averages and ratios. The boundaries are
intended to allow a wide range, but may not be appropriate for your organization.
Glossary
Definitions for selected terms can be found in the Glossary tab.
Submitting the completed survey
Submitted via Intralinks:
Please have your organization's Study Coordinator that established access to an Intralinks account submit this and any other survey
workbooks.
To submit your completed survey, log in to your organization's Intralinks account where you will see a folder labeled with a unique numeric
identifier assigned to your organization. Within this folder are two subfolders – one for submitting your data and the other for retrieving
data that we may send you. Locate the Submit Data folder, and upload your completed survey workbooks on the encrypted Intralinks
platform. Once we receive notification of your submission, acknowledgement of receipt will be sent to you from
[email protected].
Page 2 of 17
Example
This average value is unusually low.
Networks, Processors, and Issuers Payments Surveys (NPIPS)
General-Purpose Credit Card Network Payment Survey
Instructions
Questions?
If you have questions about the survey content or need assistance with the submission process, please contact the Federal Reserve
Payments Study team at www.paymentsstudy.com.
Comments
Please provide any feedback and suggestions about the survey or submission process in the box below:
Page 3 of 17
General-Purpose Credit Card Network Payment Survey
2024 Data
Annual Data Entry
Please report data on general-purpose credit card transactions and related information for calendar year 2024. Responding completely and accurately will
help ensure accuracy of the aggregate estimates.
Include:
* Only credit or charge cards and transactions carrying your organization's network brand
* All domestic and cross-border transactions associated with US-domiciled credit card accounts
* Physical or virtual credit or charge cards
Please leave no item blank.
* Enter "0" if an item is zero
* Enter "NR" if an item is nonzero
but cannot be reported
Do not include:
* Original credit transactions (OCTs) or push payment credits
* Transactions processed by your organization but carrying another organization's network brand
* Debit card, prepaid card, or private-label (closed loop) transactions
* Non-network transactions (i.e., convenience checks or balance transfers)
* Transactions originated from foreign accounts (except for questions 12 and 21)
Quarterly data are also requested for items shaded orange and should be entered in the separate sheet provided.
Definitions for selected terms can be found in the Glossary tab.
Calendar year 2024 general-purpose credit card transactions
Tr1
TrnTotl_Val
TrnTotl_Avg
Total transactions
Tr 1.a
TrnDcln_Val
TrnDcln_Avg
Tr2
TrnAuth_Val
TrnAuth_Avg
Denials (authorization declined)
Total authorized transactions = 1 - 1.a
Tr 2.a
TrnPreAuth_Val
TrnPreAuth_Avg
Pre-authorization only (authorized but not settled)
Net, authorized & settled transactions = 2 - 2.a
Tr3
TrnNAST_Val
TrnNAST_Avg
Tr 3.a
TrnCashAdv_Val
TrnCashAdv_Avg
Cash advances
Tr 3.b
TrnAdj_Val
TrnAdj_Avg
Adjustments and returns = 3.b.1 + 3.b.2
3.b.1
Tr
TrnAdjChrgbk_Val
TrnAdjChrgbk_Avg
Chargebacks (issuer initiated)
3.b.2
Tr
TrnAdjOth_Val
TrnAdjOth_Avg
Other adjustments and returns (acquirer initiated)
Tr4
TrnNPT_Val
TrnNPT_Avg
Net, purchase transactions = 3 - 3.a - 3.b
Page 4 of 17
Number
Value ($)
Avg. Value ($)
NR
Number
Value ($)
Avg. Value ($)
% of total transaction (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of total authorized transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of adjustments and returns (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of adjustments and returns (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
NR
NR
General-Purpose Credit Card Network Payment Survey
2024 Data
Annual Data Entry
Preferred basis for reporting
payment transactions
5
Among the different subtotals of payment transactions listed above, which would you prefer
to use to report more detailed allocations of payment transactions below? If possible, please
use 3. Net, authorized & settled transactions (the default selection).
2. Total authorized transactions
3. Net, authorized & settled transactions
4. Net, purchase transactions
Transactions by channel
Tr6
Trn_Val
Trn_Avg
Net, authorized & settled transactions = 6.a + 6.b
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Tr 6.a
TrnPpr_Val
TrnPpr_Avg
In-person transactions
Transactions the card user initiates by interacting with a physical terminal or other
device provided by the merchant or payee, usually with a card or mobile device. Also
include card-not-present transactions for which the card user is present at the point of
sale (e.g., key-entered transactions). Do not include remote transactions classified as
card-present solely because of the level of authentication.
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Tr 6.b
T
r
TrnRmt_Avg
Remote transactions (card user not at merchant location)
= 6.b.1 + 6.b.2 + 6.b.3 + 6.b.4
Transactions for which the card user does not interact with a physical terminal or other
device provided by the merchant or payee. Typically, these include card-not-present
transactions. Also include any remote transactions classified as card-present solely
because of the level of authentication.
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
6.b.1
Tr
TrnRmtMOTO_V
TrnRmtMOTO_A
Mail-order/telephone-order transactions (MOTO)
Remote purchase transactions for which the merchant receives an order through
the mail or over the telephone. Card is typically charged at time of shipment or
delivery. If possible, please exclude payments on account, e.g., bill pay.
Number
Value ($)
Avg. Value ($)
% of remote transactions (Number)
NR
NR
6.b.2
Tr
TrnRmtECmmc_
TrnRmtECmmc_
Internet purchase transactions (E-commerce)
Purchase transactions for goods and services from a merchant website or mobile
app (i.e., M-commerce). May involve varying levels of authentication including the
keyed entry of a card number, use of "card on file" information, or redirection to a
payment service. Card is typically charged at time of shipment or delivery. If
possible, please exclude payments on account, e.g., bill pay.
Number
Value ($)
Avg. Value ($)
% of remote transactions (Number)
NR
NR
6.b.3
Tr
TrnRmtReccrIns
TrnRmtReccrIns
Bill pay: recurring/subscription/installment transactions
Payments of bills or invoices, often on a prearranged basis and may include
"card on file", based on an ongoing customer relationship. Also include
payments made on a monthly or installment basis. Examples include utility bill
payments and multiple payments for a single purchase.
Number
Value ($)
Avg. Value ($)
% of remote transactions (Number)
NR
NR
6.b.4
Tr
TrnRmtOth_Val
TrnRmtOth_Avg
Other remote transactions
Transactions that do not belong or do not have identifiers to assign into the
remote transaction categories provided above.
Number
Value ($)
Avg. Value ($)
% of remote transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of in-person transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
Please describe any significant transaction types included in the "Other remote
transactions" category above:
In-person transactions by authentication method
Tr7
In-person transactions (repeat item 6.a) = 7.a + 7.b
TrnPprRept_Val
TrnPprRept_Avg
Tr 7.a
TrnPprChip_Val
TrnPprChip_Avg
Tr
7.a.1
TrnPprChipPIN_Val
TrnPprChipPIN_
Transactions with chip-authentication = 7.a.1 + 7.a.2
Transactions with a PIN
% of in-person transactions with chip-authentication
(Number)
7.a.2
Tr
TrnPprChipNoP
TrnPprChipNoP
Transactions without a PIN
Number
Value ($)
Avg. Value ($)
% of in-person transactions with chip-authentication
(Number)
Page 5 of 17
NR
NR
NR
General-Purpose Credit Card Network Payment Survey
2024 Data
Annual Data Entry
Tr 7.b
TrnPprNoChip_V
TrnPprNoChip_A
Transactions without chip-authentication = 7.b.1 + 7.b.2
Tr
7.b.1
TrnPprNoChipPIN_Val
TrnPprNoChipP
Transactions with a PIN
Number
Value ($)
Avg. Value ($)
% of in-person transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
% of in-person transactions without chip-authentication
(Number)
7.b.2
Transactions without a PIN
Tr
TrnPprNoChipNoPIN_Val
TrnPprNoChipNoPIN_Avg
Number
Value ($)
Avg. Value ($)
NR
NR
% of in-person transactions without chip-authentication
(Number)
NR
In-person transactions with chip-authentication (repeat item 7.a) = 8.a + 8.b
Tr8
TrnPprChipRept_Val
TrnPprChipRept_Avg
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Tr 8.a
TrnPprChipCont
TrnPprChipCont
Number
Value ($)
Avg. Value ($)
NR
Contact transactions (chip card inserted or "dipped")
% of in-person transactions with chip-authentication
(Number)
Contactless transactions (chip card or mobile device RFID, "tap" or "wave")
Tr 8.b
TrnPprChipNoCont_Val
TrnPprChipNoCont_Avg
Number
Value ($)
Avg. Value ($)
NR
NR
% of in-person transactions with chip-authentication
(Number)
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of cross-border transactions with US cards (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of cross-border transactions with US cards (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Transactions by merchant or payee location
Net, authorized & settled transactions (repeat item 6) = 9.a + 9.b
Tr9
TrnRept1_Val
TrnRept1_Avg
Tr 9.a
TrnDom_Val
TrnDom_Avg
Domestic transactions with US cards (merchants/payees within the US)
Tr 9.b
TrnFrgn_Val
TrnFrgn_Avg
Cross-border transactions with US cards (merchants/payees outside the US)
= 9.b.1 + 9.b.2
9.b.1
Tr
TrnFrgnPpr_Val
TrnFrgnPpr_Avg
In-person transactions
9.b.2
Tr
TrnFrgnRmt_Val
TrnFrgnRmt_Avg
Remote transactions
Transactions by card user account type
Tr10
Net, authorized & settled transactions (repeat item 6) = 10.a + 10.b
TrnRept2_Val
TrnRept2_Avg
Tr 10.a
TrnCons_Val
TrnCons_Avg
Transactions from consumer accounts
Transactions made with cards (including virtual cards) issued to a consumer for the
purpose of making consumer-related transactions.
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Tr 10.b
TrnBus_Val
TrnBus_Avg
Transactions from business/government (commercial) accounts
Transactions made with cards (including virtual cards) issued to a business or
government or its employee for the purpose of making business-related transactions.
Include corporate charge, small business, travel/entertainment, procurement, and fleet
cards.
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Page 6 of 17
General-Purpose Credit Card Network Payment Survey
2024 Data
Annual Data Entry
Transactions value distribution
Tr11
Net, authorized & settled transactions (repeat item 6)
TrnRept3_Val = 11.a + 11.b + 11.c + 11.d + 11.e + 11.f + 11.g + 11.h + 11.i
TrnRept3_Avg
Tr 11.a
Trn05_Val
Trn05_Avg
Transactions with less than $5.00 in total value
Tr 11.b
Trn510_Val
Trn510_Avg
Transactions with $5.00 to $9.99 in total value
Tr 11.c
Trn1015_Val
Trn1015_Avg
Transactions with $10.00 to $14.99 in total value
Tr 11.d
Trn1525_Val
Trn1525_Avg
Transactions with $15.00 to $24.99 in total value
Tr 11.e
Trn2550_Val
Trn2550_Avg
Transactions with $25.00 to $49.99 in total value
Tr 11.f
Trn50100_Val
Trn50100_Avg
Transactions with $50.00 to $99.99 in total value
Tr 11.g
Trn100500_Val
Trn100500_Avg
Transactions with $100.00 to $499.99 in total value
Tr 11.h
Trn5001000_Val
Trn5001000_Avg
Transactions with $500.00 to $999.99 in total value
Tr 11.i
Trn1000_Val
Trn1000_Avg
Transactions with $1000.00 or greater in total value
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
Transactions with non-US Cards
Tr12
Total transactions with non-US cards
TrnNonUSCd_V(merchants/payees within the US and not included in item 6)
TrnNonUSCd_Avg
Third-party fraudulent transactions
Preferred basis for reporting thirdparty fraudulent transactions
13
Fr14
Frd_Val
Frd_Avg
Frd_Num_Rate
Frd_Val_Rate
Fr 14.a
FrdLost_Val
FrdLost_Avg
Some organizations may track third-party fraudulent transactions differently than payment
transactions. On which basis would you prefer to report third-party fraudulent transactions
below? If possible, please use 3 . Net, authorized & settled transactions (the default
selection).
Third-party fraudulent transactions (based on 3. Net, authorized & settled
transactions) = 14.a + 14.b + 14.c + 14.d + 14.e + 14.f
Include all unauthorized third-party fraudulent transactions that cleared and settled for
which funds subsequently became available to the perpetrator. Do not include fraud
attempts that were prevented before they were cleared and settled, or fraud committed by
the accountholder or other users authorized to make payments.
Lost or stolen card
Page 7 of 17
2. Total authorized transactions
3. Net, authorized & settled transactions
4. Net, purchase transactions
Number
Value ($)
Avg. Value ($)
Fraud rate (Number)
Fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
General-Purpose Credit Card Network Payment Survey
2024 Data
Annual Data Entry
Fr 14.b
FrdNotRecv_Val
FrdNotRecv_Avg
Card issued but not received
Fr 14.c
FrdAppl_Val
FrdAppl_Avg
Fraudulent application (account issued to someone using a fake identity)
Fr 14.d
FrdCntft_Val
FrdCntft_Avg
Counterfeit card (card-present/stolen card data)
Fr 14.e
FrdAcctNum_Val
FrdAcctNum_Avg
Fraudulent use of account number (card-not-present/stolen card data)
Fr 14.f
FrdOth_Val
FrdOth_Avg
Other (including account takeover)
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
Fraud rate (Number)
Fraud rate (Value)
NR
NR
NR
NR
NR
Number
Value ($)
Avg. Value ($)
In-person transactions fraud rate (Number)
In-person transactions fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
Remote transactions fraud rate (Number)
Remote transactions fraud rate (Value)
NR
NR
NR
Third-party fraudulent transactions by channel
Fr15
Third-party fraudulent transactions (repeat item 14) = 15.a + 15.b
FrdRept1_Val
FrdRept1_Avg
FrdRept1_Num_Rate
FrdRept1_Val_Rate
Fr 15.a
FrdPpr_Val
FrdPpr_Avg
FrdPpr_Num_R
FrdPpr_Val_Rat
In-person transactions
Fraudulent transactions the card user initiates by interacting with a physical terminal or
other device provided by the merchant or payee, usually with a card or mobile device.
Also include fraudulent card-not-present transactions for which the card user is
present at the point of sale (e.g., key-entered transactions). Do not include fraudulent
remote transactions classified as card-present solely because of the level of
authentication.
Fr 15.b
FrdRmt_Val
FrdRmt_Avg
FrdRmt_Num_R
FrdRmt_Val_Ra
Remote transactions (card user not at merchant location)
= 15.b.1 + 15.b.2 + 15.b.3 + 15.b.4
Fraudulent transactions for which the card user does not interact with a physical
terminal or other device provided by the merchant or payee. Typically, these include
fraudulent card-not-present transactions. Also include any fraudulent remote
transactions classified as card-present solely because of the level of authentication.
Fr
15.b.1
FrdRmtMOTO_V
FrdRmtMOTO_A
FrdRmtMOTO_N
FrdRmtMOTO_V
Mail-order/telephone-order transactions (MOTO)
Remote purchase transactions for which the merchant receives an order through
the mail or over the telephone. Card is typically charged at time of shipment or
delivery. If possible, please exclude payments on account, e.g., bill pay.
Number
Value ($)
Avg. Value ($)
Mail-order/telephone-order transactions fraud rate (Number)
Mail-order/telephone-order transactions fraud rate (Value)
NR
NR
NR
Fr
15.b.2
FrdRmtECmmc_
FrdRmtECmmc_
FrdRmtECmmc_
FrdRmtECmmc_
Internet purchase transactions (E-commerce)
Purchase transactions for goods and services from a merchant website or mobile
app (i.e., M-commerce). May involve varying levels of authentication including the
keyed entry of a card number, use of "card on file" information, or redirection to a
payment service. Card is typically charged at time of shipment or delivery. If
possible, please exclude payments on account, e.g., bill pay.
Number
Value ($)
Avg. Value ($)
Internet purchase transactions fraud rate (Number)
Internet purchase transactions fraud rate (Value)
NR
NR
NR
Fr
15.b.3
FrdRmtReccrIns
FrdRmtReccrIns
FrdRmtReccrIns
FrdRmtReccrIns
Bill pay: recurring/subscription/installment transactions
Payments of bills or invoices, often on a prearranged basis and may include
"card on file", based on an ongoing customer relationship. Also include
payments made on a monthly or installment basis. Examples include utility bill
payments and multiple payments for a single purchase.
Number
Value ($)
Avg. Value ($)
Bill pay fraud rate (Number)
Bill pay fraud rate (Value)
NR
NR
NR
Fr
15.b.4
FrdRmtOth_Val
FrdRmtOth_Avg
FrdRmtOth_Num_Rate
FrdRmtOth_Val_Rate
Other remote transactions
Transactions that do not belong or do not have identifiers to assign into the
remote transaction categories provided above.
Number
Value ($)
Avg. Value ($)
Other remote transactions fraud rate (Number)
Other remote transactions fraud rate (Value)
NR
NR
NR
Please describe any significant transaction types included in the "Other remote
transactions" category above:
Page 8 of 17
General-Purpose Credit Card Network Payment Survey
2024 Data
Annual Data Entry
Third-party fraudulent in-person transactions by authentication method
Fr16
Third-party fraudulent in-person transactions (repeat item 15.a) = 16.a + 16.b
FrdPprRept_Val
FrdPprRept_Avg
FrdPprRept_Num_Rate
FrdPprRept_Val_Rate
Fr 16.a
FrdPprChip_Val
FrdPprChip_Avg
Transactions with chip-authentication = 16.a.1 + 16.a.2
Number
Value ($)
Avg. Value ($)
In-person transactions fraud rate (Number)
In-person transactions fraud rate (Value)
NR
NR
NR
NR
NR
Number
Value ($)
Avg. Value ($)
NR
FrdPprChip_Nu
In-person transactions with chip-authentication fraud rate
(Number)
NR
FrdPprChip_Val
In-person transactions with chip-authentication fraud rate
(Value)
NR
Fr
16.a.1
FrdPprChipPIN_Val
FrdPprChipPIN_
Transactions with a PIN
Number
Value ($)
Avg. Value ($)
NR
FrdPprChipPIN_
In-person transactions with chip-authentication and a PIN
fraud rate (Number)
NR
FrdPprChipPIN_
In-person transactions with chip-authentication and a PIN
fraud rate (Value)
NR
Fr
16.a.2
FrdPprChipNoP
FrdPprChipNoP
Transactions without a PIN
Number
Value ($)
Avg. Value ($)
NR
FrdPprChipNoP
In-person transactions with chip-authentication
but without a PIN fraud rate (Number)
NR
FrdPprChipNoP
In-person transactions with chip-authentication
but without a PIN fraud rate (Value)
NR
Fr 16.b
FrdPprNoChip_V
FrdPprNoChip_A
Transactions without chip-authentication = 16.b.1 + 16.b.2
Number
Value ($)
Avg. Value ($)
NR
FrdPprNoChip_
In-person transactions without chip-authentication fraud rate
(Number)
NR
FrdPprNoChip_V
In-person transactions without chip-authentication fraud rate
(Value)
NR
Fr
16.b.1
FrdPprNoChipPIN_Val
FrdPprNoChipP
Transactions with a PIN
Number
Value ($)
Avg. Value ($)
NR
FrdPprNoChipP
In-person transactions without chip-authentication
but with a PIN fraud rate (Number)
NR
FrdPprNoChipP
In-person transactions without chip-authentication
but with a PIN fraud rate (Value)
NR
Fr
16.b.2
Transactions without a PIN
FrdPprNoChipNoPIN_Val
FrdPprNoChipNoPIN_Avg
Number
Value ($)
Avg. Value ($)
NR
FrdPprNoChipNoPIN_Num_Rate
In-person transactions without chip-authentication or a PIN
fraud rate (Number)
NR
FrdPprNoChipNoPIN_Val_Rate
In-person transactions without chip-authentication or a PIN
fraud rate (Value)
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
FrdPprChipRept_Num_Rate
In-person transactions with chip-authentication fraud rate
(Number)
NR
FrdPprChipRept_Val_Rate
In-person transactions with chip-authentication fraud rate
(Value)
NR
Fr17
Third-party fraudulent in-person transactions with chip-authentication
FrdPprChipRept(repeat item 16.a) = 17.a + 17.b
FrdPprChipRept_Avg
Contact transactions (chip card inserted or "dipped")
Fr 17.a
FrdPprChipCont
FrdPprChipCont
Number
Value ($)
Avg. Value ($)
NR
FrdPprChipCont
Contact in-person transactions with chip-authentication
fraud rate (Number)
NR
FrdPprChipCont
Contact in-person transactions with chip-authentication
fraud rate (Value)
NR
Fr 17.b
Contactless transactions (chip card or mobile device RFID, "tap" or "wave")
FrdPprChipNoCont_Val
FrdPprChipNoCont_Avg
Number
Value ($)
Avg. Value ($)
NR
FrdPprChipNoCont_Num_Rate
Contactless in-person transactions with chip-authentication
fraud rate (Number)
NR
FrdPprChipNoCont_Val_Rate
Contactless in-person transactions with chip-authentication
fraud rate (Value)
NR
Page 9 of 17
General-Purpose Credit Card Network Payment Survey
2024 Data
Annual Data Entry
Third-party fraudulent transactions by merchant or payee location
Fr18
Third-party fraudulent transactions (repeat item 14) = 18.a + 18.b
FrdRept2_Val
FrdRept2_Avg
FrdRept2_Num_Rate
FrdRept2_Val_Rate
Domestic transactions with US cards (merchants/payees within the US)
Fr 18.a
FrdDom_Val
FrdDom_Avg
FrdDom_Num_Rate
FrdDom_Val_Rate
Fr 18.b
Cross-border transactions with US cards (merchants/payees outside the US)
= 18.b.1 + 18.b.2
FrdFrgn_Val
FrdFrgn_Avg
FrdFrgn_Num_Rate
FrdFrgn_Val_Rate
18.b.1
Fr
FrdFrgnPpr_Val
FrdFrgnPpr_Avg
Number
Value ($)
Avg. Value ($)
Fraud rate (Number)
Fraud rate (Value)
NR
NR
NR
NR
NR
Number
Value ($)
Avg. Value ($)
Domestic transactions with US cards fraud rate (Number)
Domestic transactions with US cards fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
Cross-border transactions with US cards fraud rate (Number)
Cross-border transactions with US cards fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
NR
In-person transactions
FrdFrgnPpr_Nu
In-person cross-border transactions with US cards fraud rate
(Number)
NR
FrdFrgnPpr_Val
In-person cross-border transactions with US cards fraud rate
(Value)
NR
Fr
18.b.2
FrdFrgnRmt_Val
FrdFrgnRmt_Avg
Remote transactions
Number
Value ($)
Avg. Value ($)
NR
FrdFrgnRmt_Num_Rate
Remote cross-border transactions with US cards fraud rate
(Number)
NR
FrdFrgnRmt_Val_Rate
Remote cross-border transactions with US cards fraud rate
(Value)
NR
Number
Value ($)
Avg. Value ($)
Fraud rate (Number)
Fraud rate (Value)
NR
NR
NR
NR
NR
Number
Value ($)
Avg. Value ($)
Transactions from consumer accounts fraud rate (Number)
Transactions from consumer accounts fraud rate (Value)
NR
NR
NR
Third-party fraudulent transactions by card user account type
Fr19
Third-party fraudulent transactions (repeat item 14) = 19.a + 19.b
FrdRept3_Val
FrdRept3_Avg
FrdRept3_Num_Rate
FrdRept3_Val_Rate
Fr 19.a
FrdCons_Val
FrdCons_Avg
FrdCons_Num_
FrdCons_Val_R
Transactions from consumer accounts
Fraudulent transactions made with cards (including virtual cards) issued to a
consumer for the purpose of making consumer-related transactions.
Fr 19.b
FrdBus_Val
FrdBus_Avg
Transactions from business/government (commercial) accounts
Fraudulent transactions made with cards (including virtual cards) issued to a business
or government or its employee for the purpose of making business-related
transactions. Include corporate charge, small business, travel/entertainment,
procurement, and fleet cards.
FrdBus_Num_R
FrdBus_Val_Ra
Number
Value ($)
Avg. Value ($)
NR
Transactions from business/government accounts fraud rate
(Number)
NR
Transactions from business/government accounts fraud rate
(Value)
NR
Number
Value ($)
Avg. Value ($)
Fraud rate (Number)
Fraud rate (Value)
NR
NR
NR
NR
NR
Number
Value ($)
Avg. Value ($)
NR
Third-party fraudulent transactions value distribution
Fr20
Third-party fraudulent transactions (repeat item 14)
FrdRept4_Val = 20.a + 20.b + 20.c + 20.d + 20.e + 20.f + 20.g + 20.h + 20.i
FrdRept4_Avg
FrdRept4_Num_Rate
FrdRept4_Val_Rate
Fr 20.a
Frd05_Val
Frd05_Avg
Transactions with less than $5.00 in total value
Frd05_Num_Rate
Transactions with less than $5.00 in total value fraud rate
(Number)
NR
Frd05_Val_Rate
Transactions with less than $5.00 in total value fraud rate
(Value)
NR
Page 10 of 17
General-Purpose Credit Card Network Payment Survey
2024 Data
Annual Data Entry
Fr 20.b
Frd510_Val
Frd510_Avg
Transactions with $5.00 to $9.99 in total value
Number
Value ($)
Avg. Value ($)
NR
Frd510_Num_Rate
Transactions with $5.00 to $9.99 in total value fraud rate
(Number)
NR
Frd510_Val_Rate
Transactions with $5.00 to $9.99 in total value fraud rate
(Value)
NR
Fr 20.c
Frd1015_Val
Frd1015_Avg
Transactions with $10.00 to $14.99 in total value
Number
Value ($)
Avg. Value ($)
NR
Frd1015_Num_Rate
Transactions with $10.00 to $14.99 in total value fraud rate
(Number)
NR
Frd1015_Val_Rate
Transactions with $10.00 to $14.99 in total value fraud rate
(Value)
NR
Fr 20.d
Frd1525_Val
Frd1525_Avg
Transactions with $15.00 to $24.99 in total value
Number
Value ($)
Avg. Value ($)
NR
Frd1525_Num_Rate
Transactions with $15.00 to $24.99 in total value fraud rate
(Number)
NR
Frd1525_Val_Rate
Transactions with $15.00 to $24.99 in total value fraud rate
(Value)
NR
Fr 20.e
Frd2550_Val
Frd2550_Avg
Transactions with $25.00 to $49.99 in total value
Number
Value ($)
Avg. Value ($)
NR
Frd2550_Num_Rate
Transactions with $25.00 to $49.99 in total value fraud rate
(Number)
NR
Frd2550_Val_Rate
Transactions with $25.00 to $49.99 in total value fraud rate
(Value)
NR
Fr 20.f
Frd50100_Val
Frd50100_Avg
Transactions with $50.00 to $99.99 in total value
Number
Value ($)
Avg. Value ($)
NR
Frd50100_Num_Rate
Transactions with $50.00 to $99.99 in total value fraud rate
(Number)
NR
Frd50100_Val_Rate
Transactions with $50.00 to $99.99 in total value fraud rate
(Value)
NR
Fr 20.g
Frd100500_Val
Frd100500_Avg
Transactions with $100.00 to $499.99 in total value
Number
Value ($)
Avg. Value ($)
NR
Frd100500_Num_Rate
Transactions with $100.00 to $499.99 in total value fraud rate
(Number)
NR
Frd100500_Val_Rate
Transactions with $100.00 to $499.99 in total value fraud rate
(Value)
NR
Fr 20.h
Frd5001000_Val
Frd5001000_Avg
Transactions with $500.00 to $999.99 in total value
Number
Value ($)
Avg. Value ($)
NR
Frd5001000_Num_Rate
Transactions with $500.00 to $999.99 in total value fraud rate
(Number)
NR
Frd5001000_Val_Rate
Transactions with $500.00 to $999.99 in total value fraud rate
(Value)
NR
Fr 20.i
Frd1000_Val
Frd1000_Avg
Transactions with $1000.00 or greater in total value
Number
Value ($)
Avg. Value ($)
NR
Frd1000_Num_Rate
Transactions with $1000.00 or greater in total value fraud rate
(Number)
NR
Frd1000_Val_Rate
Transactions with $1000.00 or greater in total value fraud rate
(Value)
NR
Third-party fraudulent transactions with non-US cards
Fr21
Third-party fraudulent transactions with non-US cards (merchants/payees within the
FrdNonUSCd_VUS and not included in item 14)
FrdNonUSCd_Avg
FrdNonUSCd_Num_Rate
FrdNonUSCd_Val_Rate
Number
Value ($)
Avg. Value ($)
Transactions with non-US cards fraud rate (Number)
Transactions with non-US cards fraud rate (Value)
Page 11 of 17
NR
NR
NR
General-Purpose Credit Card Network Payment Survey
2024 Data
Annual Data Entry
Virtual cards
22
Please indicate if your organization issued or processed transactions for virtual
general-purpose credit or charge cards during calendar year 2024.
A virtual card is a digital representation of a general-purpose credit or charge card that
does not exist in physical form. Typically stored in a digital wallet for online, in-app, or inperson purchases with a mobile device (using NFC or barcode scanner). Do not count
individual tokenized transactions as virtual cards .
Yes
No
Don't know
Number of cards outstanding
Active cards
Total cards
Number of active and total general-purpose credit or charge cards outstanding
C 23
CdEndTotl_Numas of December 31, 2024 = 23.a + 23.b
Active to total general-purpose credit or charge cards
outstanding ratio
CdEnd_Rate
Active cards
Total cards
C 23.a
Virtual cards (digital cards with no associated physical card)
CdEndVirtualTotl_Num
Active to total virtual general-purpose credit or charge cards
outstanding ratio
% of active general-purpose credit or charge cards
outstanding
CdEndVirtual_Rate
CdEndVirtualActv_Num_Rate
% of total general-purpose credit or charge cards
outstanding
CdEndVirtualTotl_Num_Rate
Active to total physical general-purpose credit or charge cards
outstanding ratio
% of active general-purpose credit or charge cards
outstanding
CdEndPhysical_Rate
CdEndPhysicalActv_Num_Rate
NR
NR
NR
Active to total general-purpose credit or charge cards
outstanding ratio
NR
Active cards
Total cards
Active to total general-purpose credit or charge cards
outstanding for consumer accounts ratio
% of active general-purpose credit or charge cards
outstanding
% of total general-purpose credit or charge cards
outstanding
CdEndConsTotl_Num_Rate
NR
NR
NR
Active cards
Total cards
Cards for business/government (commercial) accounts
C 24.b
CdEndBusTotl_Num
CdEndBusActv_Num_Rate
NR
Active cards
Total cards
Cards for consumer accounts
C 24.a
CdEndConsTotl_Num
CdEndBus_Rate
NR
NR
C 24
Number of active and total general-purpose credit or charge cards outstanding
CdEndTotlRept_as of December 31, 2024 (repeat item 23) = 24.a + 24.b
CdEndConsActv_Num_Rate
NR
% of total general-purpose credit or charge cards
outstanding
CdEndPhysicalTotl_Num_Rate
CdEndCons_Rate
NR
Active cards
Total cards
Physical cards
C 23.b
CdEndPhysicalTotl_Num
CdEndRept_Rate
NR
Active to total general-purpose credit or charge cards
otstanding for business/government accounts ratio
% of active general-purpose credit or charge cards
outstanding
% of total general-purpose credit or charge cards
outstanding
CdEndBusTotl_Num_Rate
Comments:
Page 12 of 17
NR
NR
NR
General-Purpose Credit Card Network Payment Survey
2024 Data
Quarterly Data Entry
Please provide quarterly allocations of your calendar year response to questions 6, 6.a, 6.b, 8, 8.a, and 8.b, repeated below.
Calendar year 2024 general-purpose credit card transactions by channel
Tr6
TrnQ_Val
Tr 6 (Q1)
TrnQ1_Val
Tr 6 (Q2)
TrnQ2_Val
Tr 6 (Q3)
TrnQ3_Val
Tr 6 (Q4)
TrnQ4_Val
Tr 6.a
TrnPprQ_Val
Tr 6.a (Q1)
TrnPprQ1_Val
Tr 6.a (Q2)
TrnPprQ2_Val
Tr 6.a (Q3)
TrnPprQ3_Val
Tr 6.a (Q4)
TrnPprQ4_Val
Tr 6.b
TrnRmtQ_Val
Tr 6.b (Q1)
TrnRmtQ1_Val
Tr 6.b (Q2)
TrnRmtQ2_Val
Tr 6.b (Q3)
TrnRmtQ3_Val
Tr 6.b (Q4)
TrnRmtQ4_Val
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual net, authorized & settled transactions (Number)
NR
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual in-person transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual in-person transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual in-person transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual in-person transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual net, authorized & settled transactions (Number)
NR
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual remote transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual remote transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual remote transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual remote transactions (Number)
NR
NR
Net, authorized & settled transactions (repeat item 6 in Annual Data Entry)
= 6.a + 6.b
Quarterly should sum to annual: 6 = 6 (Q1) + 6 (Q2) + 6 (Q3) + 6 (Q4)
Quarter 1 (Jan-Mar)
Quarter 2 (Apr-Jun)
Quarter 3 (Jul-Sep)
Quarter 4 (Oct-Dec)
In-person transactions (repeat item 6.a in Annual Data Entry)
Quarterly should sum to annual: 6.a = 6.a (Q1) + 6.a (Q2) + 6.a (Q3) + 6.a (Q4)
Quarter 1 (Jan-Mar)
Quarter 2 (Apr-Jun)
Quarter 3 (Jul-Sep)
Quarter 4 (Oct-Dec)
Remote transactions (card user not at merchant location)
(repeat item 6.b in Annual Data Entry)
Quarterly should sum to annual: 6.b = 6.b (Q1) + 6.b (Q2) + 6.b (Q3) + 6.b (Q4)
Quarter 1 (Jan-Mar)
Quarter 2 (Apr-Jun)
Quarter 3 (Jul-Sep)
Quarter 4 (Oct-Dec)
Return to Annual Data Entry
Page 13 of 17
General-Purpose Credit Card Network Payment Survey
2024 Data
Quarterly Data Entry
Tr8
In-person transactions with chip-authentication
TrnPprChipRept(repeat item 8 in Annual Data Entry) = 8.a + 8.b
Quarterly should sum to annual: 8 = 8 (Q1) + 8 (Q2) + 8 (Q3) + 8 (Q4)
Tr 8 (Q1)
Quarter 1 (Jan-Mar)
TrnPprChipReptQ1_Val
Tr 8 (Q2)
Quarter 2 (Apr-Jun)
TrnPprChipReptQ2_Val
Tr 8 (Q3)
Quarter 3 (Jul-Sep)
TrnPprChipReptQ3_Val
Tr 8 (Q4)
Quarter 4 (Oct-Dec)
TrnPprChipReptQ4_Val
Tr 8.a
Contact transactions (chip card inserted or "dipped")
TrnPprChipCont(repeat item 8.a in Annual Data Entry)
Quarterly should sum to annual: 8.a = 8.a (Q1) + 8.a (Q2) + 8.a (Q3) + 8.a (Q4)
Number
Value ($)
Avg. Value ($)
Number
Value ($)
Avg. Value ($)
% of annual in-person transactions with chip-authentication
(Number)
Number
Value ($)
Avg. Value ($)
% of annual in-person transactions with chip-authentication
(Number)
Number
Value ($)
Avg. Value ($)
% of annual in-person transactions with chip-authentication
(Number)
Number
Value ($)
Avg. Value ($)
% of annual in-person transactions with chip-authentication
(Number)
Number
Value ($)
Avg. Value ($)
% of annual in-person transactions with chip-authentication
(Number)
Number
Value ($)
Avg. Value ($)
Tr 8.a (Q1)
Quarter 1 (Jan-Mar)
TrnPprChipContQ1_Val
% of annual contact in-person transactions
with chip-authentication (Number)
Number
Value ($)
Avg. Value ($)
Tr 8.a (Q2)
Quarter 2 (Apr-Jun)
TrnPprChipContQ2_Val
% of annual contact in-person transactions
with chip-authentication (Number)
Number
Value ($)
Avg. Value ($)
Tr 8.a (Q3)
Quarter 3 (Jul-Sep)
TrnPprChipContQ3_Val
% of annual contact in-person transactions
with chip-authentication (Number)
Number
Value ($)
Avg. Value ($)
Tr 8.a (Q4)
Quarter 4 (Oct-Dec)
TrnPprChipContQ4_Val
% of annual contact in-person transactions
with chip-authentication (Number)
Tr 8.b
Contactless transactions (chip card or mobile device RFID, "tap" or "wave")
TrnPprChipNoC (repeat item 8.b in Annual Data Entry)
Quarterly should sum to annual: 8.b = 8.b (Q1) + 8.b (Q2) + 8.b (Q3) + 8.b (Q4)
Number
Value ($)
Avg. Value ($)
% of annual in-person transactions with chip-authentication
(Number)
Number
Value ($)
Avg. Value ($)
Tr 8.b (Q1)
Quarter 1 (Jan-Mar)
TrnPprChipNoContQ1_Val
% of annual contactless in-person transactions
with chip-authentication (Number)
Number
Value ($)
Avg. Value ($)
Tr 8.b (Q2)
Quarter 2 (Apr-Jun)
TrnPprChipNoContQ2_Val
% of annual contactless in-person transactions
with chip-authentication (Number)
Page 14 of 17
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
General-Purpose Credit Card Network Payment Survey
2024 Data
Quarterly Data Entry
Number
Value ($)
Avg. Value ($)
Tr 8.b (Q3)
Quarter 3 (Jul-Sep)
TrnPprChipNoContQ3_Val
% of annual contactless in-person transactions
with chip-authentication (Number)
Number
Value ($)
Avg. Value ($)
Tr 8.b (Q4)
Quarter 4 (Oct-Dec)
TrnPprChipNoContQ4_Val
% of annual contactless in-person transactions
with chip-authentication (Number)
Return to Annual Data Entry
Comments:
Page 15 of 17
NR
NR
NR
NR
General-Purpose Credit Card Network Payment Survey
Glossary
Item
Definition
United States: The states, territories, and possessions of the US, the District of Columbia, the
Commonwealth of Puerto Rico, or any political subdivision of any of the foregoing.
Virtual cards: A virtual card is a digital representation of a general-purpose credit or charge card that
does not exist in physical form. Typically stored in a digital wallet for online, in-app, or in-person
purchases with a mobile device (using NFC or barcode scanner). Do not count individual tokenized
transactions as virtual cards.
1a
Denials/declines: Transaction attempts that receive a denial response by the host authorization
system and do not result in an authorized transaction.
2a
Pre-authorization only: Transactions that are approved but not settled (e.g., the initial amount
which a rental agency, hotel, or fuel dispenser operator receives authorization, but final payment and
amount transfer is never made).
3
Net, authorized & settled transactions: Transactions initiated by the acquirer that are
completed with the final payment amount transferred from the acquirer to the issuer. Such transactions
include those that are subsequently reversed through a chargeback, or other adjustment or return.
3a
Cash advances: Transactions involving the provision of cash to the card user via an ATM or over
the counter with the use of a credit or charge card, typically authenticated by entering a personal
identification number (PIN). (Unlike debit or prepaid card cash-back transactions, cash advances are
not combined with a purchase.)
3b.1
Chargebacks: Transactions initiated by the issuer that reverse a transaction, in whole or in part, and
transfer value from the acquirer to the issuer (e.g., customer disputes, fraud, processing errors,
authorization issues, or non-fulfillment of copy requests). A chargeback provides the issuer with a way
to return a disputed transaction, typically on behalf of the cardholder.
3b.2
Other adjustments and returns: Transactions initiated by the acquirer that reverse a transaction,
in whole or in part, and transfer value from the acquirer to the issuer (e.g., customer return of goods,
complaints, merchant-identified fraud, duplicate transaction entry).
4
Net, purchase transactions: Transactions that have been authorized and settled. Exclude
denials, transactions that are pre-authorization only, cash advances, chargebacks, and other
adjustments and returns.
7a
Transactions with chip-authentication: In-person transactions for which the account
information is taken from a computer microchip embedded in a card or mobile device that securely
stores data to be read via contact or contactless/NFC communications with a merchant payment device
or terminal. Include EMV and all other types of chip transactions with a card or mobile device. Report
only in-person transactions.
7a.1 & 7b.1
Transactions with a PIN: In-person transactions for which a card user enters their Personal
Identification Number (PIN) to authenticate the card purchase.
7a.2 & 7b.2
Transactions without a PIN: In-person transactions for which a card user does not enter a
Personal Identification Number (PIN) to authenticate the card purchase.
Page 16 of 17
General-Purpose Credit Card Network Payment Survey
Glossary
Item
Definition
7b
Transactions without chip-authentication: In-person transactions for which the account
information is not taken from a computer microchip. Typically the information is taken from a magstripe
on a card, and may occasionally be manually keyed at the register. Report only in-person transactions.
Contact transactions (chip card inserted or "dipped"): Transactions are initiated by
8a
inserting a card with an embedded EMV microchip into a merchant's chip-enabled terminal. The
terminal makes contact with the inserted chip for authentication.
8b
Contactless transactions (chip card or mobile device RFID, "tap" or "wave"):
Transactions are initiated by tapping a card or a mobile device with an embedded microchip at a
merchant's chip-enabled terminal. Contactless transactions typically use Radio Frequency Identification
(RFID) and/or a specialized subset of Near-field Communications (NFC) standards to make the
connection to the chip for authentication. May include some contactless EMV transactions.
11
Transaction value distribution: Your best estimate for the number and dollar value of
transactions that fall within the "dollar size bands" requested.
14a
Lost or stolen card: Fraudulent transactions via a card reported as lost or stolen.
14b
Card issued but not received: Fraudulent transactions reported to be via an intercepted new or
replacement card in transit that was activated by someone other than the cardholder.
14c
Fraudulent application: Fraudulent transactions reported to be via a new card that was issued to
someone other than the cardholder using falsified information or a stolen identity.
14d
Counterfeit card: Fraudulent in-person transactions via an altered or cloned card.
14e
Fraudulent use of account number: Fraudulent transactions using account number and other
card and cardholder details, typically remotely.
14f
Other (including account takeover): All other fraudulent transactions not included in the above
categories. In particular, "other" covers account takeover, a form of identity theft whereby an
unauthorized party gains access to and use of an existing card account.
23
Total cards: All issued, activated, and unexpired general-purpose credit or charge cards (linked to
US-domiciled accounts).
23
Active cards: General-purpose credit or charge cards outstanding with a minimum level of purchase
activity according to your organization's definition.
23b
Physical cards: A physical general-purpose credit or charge card with a magstripe and/or chip that
is issued to the customer for making purchases in person.
Page 17 of 17
FR 3066b
OMB No. 7100-0351
Approval expires February 29, 2028
The Federal Reserve
Payments Study
Private-Label Credit Card
Merchant Issuer Payment Survey
Survey Period:
Calendar Year 2024
Responding to this collection is voluntary. The Federal Reserve may not conduct or sponsor, and an organization is not required to respond to,
a collection of information unless it displays a currently valid OMB control number. 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.
Page 1 of 12
Networks, Processors, and Issuers Payments Surveys (NPIPS)
Private-Label Credit Card Merchant Issuer Payment Survey
Instructions
About this survey
This survey, part of the NPIPS, covers private-label credit card transactions that your organization processed in-house for calendar year
2024 (CY2024). Allocations of transactions are requested for several category types, including transactions classified as fraudulent by an
unauthorized third party. Counts of the number of active and total cards (including both physical and virtual cards) that are issued by your
organization and outstanding are also requested.
About the study
This survey and other NPIPS surveys are part of the Federal Reserve Payments Study (FRPS), which is conducted by the Federal
Reserve Bank of Atlanta and the Federal Reserve Board. Your response will be used in combination with peer responses to estimate
national aggregate volumes for CY2024. Aggregate results will be compared to those of previous studies to track changes and identify
trends in US payments.
Confidentiality
Any data 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. If your organization outsourced
payments processing to another organization during CY2024, please request the necessary data from that organization or
provide them with the survey so they may respond on behalf of your organization.
>> Please respond by: June 13, 2025 <<
Data entry
Please enter annual data for CY2024 in the Annual Data Entry tab (i.e., worksheet). If estimated amounts rather than actual amounts are
reported for any item(s), please explain in the comments field at the bottom of the tab. By default, tabs are protected and only cells
needed for data entry are unlocked.
Example
1. Direct data entry (light blue boxes). For numeric data, key in the actual number or dollar amount.
Note: Items left blank can be difficult to interpret and may generate follow-up questions. If a positive amount cannot be provided,
please consider entering one of these alternatives:
* Enter "0" if the requested item is known to be zero. (This is appropriate for items that are not applicable to your organization.)
* Enter "NR" (not reported/not reportable) if the requested item is known to be nonzero but cannot be reported.
Example
2. Automatic entry of calculations or repeated figures (dark blue box). Cells are protected, but different amounts may be entered into the
override cells to the right (yellow box), if necessary. Only positive numeric amounts are valid for override cells.
Override
NR
(Automatic entry cells display "NR" until required information is provided.)
Example
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
Unexpected condition flags
As you fill out the survey, flags may be raised describing the results of simple arithmetic comparisons. These are intended to help you
identify potential mistakes and, if appropriate, correct them. However, it may not always be appropriate to revise data when flags are
raised, and you may choose to leave your response data as is. If that happens, please provide feedback and explanations in the
comments field at the bottom of each tab. Your comments may help us understand your data and avoid the need for follow up.
Conditions that can raise a flag include:
1. Logical inconsistencies: These check for essential arithmetical relationships among items based on survey definitions and structure.
They include adding-up conditions for items and their sub-items, pairing of zeros with nonzeros, and entry of NR when a known
amount is implied by other reported item amounts.
Examples
Item in Q3 is not equal to the sum of subitems: Q3 > Q3.a + Q3.b.
Inconsistent pair: Q3 Balance ($) cannot be 0 if Q3 Number is nonzero.
Item should be reportable if all related items (Q2, Q2.b) are reported.
Note: Leaving items blank will not throw flags. However, consistency problems may still exist when the amount is left blank but is
implied by other related item amounts. Such cases can be checked by entering NR when an item is not reported/not reportable. If
possible, please review your survey workbooks for any blank data-entry cells and replace them before submitting.
2. Exceeding set boundaries: These compare against lower and upper boundaries for averages and ratios. The boundaries are
intended to allow a wide range, but may not be appropriate for your organization.
Glossary
Definitions for selected terms can be found in the Glossary tab.
Submitting the completed survey
Submitted via Intralinks:
Please have your organization's Study Coordinator that established access to an Intralinks account submit this and any other survey
workbooks.
To submit your completed survey, log in to your organization's Intralinks account where you will see a folder labeled with a unique numeric
identifier assigned to your organization. Within this folder are two subfolders – one for submitting your data and the other for retrieving
data that we may send you. Locate the Submit Data folder, and upload your completed survey workbooks on the encrypted Intralinks
platform. Once we receive notification of your submission, acknowledgement of receipt will be sent to you from
[email protected].
Page 2 of 12
Example
This average value is unusually low.
Networks, Processors, and Issuers Payments Surveys (NPIPS)
Private-Label Credit Card Merchant Issuer Payment Survey
Instructions
Questions?
If you have questions about the survey content or need assistance with the submission process, please contact the Federal Reserve
Payments Study team at www.paymentsstudy.com.
Comments
Please provide any feedback and suggestions about the survey or submission process in the box below:
Page 3 of 12
Private-Label Credit Card Merchant Issuer Payment Survey
2024 Data
Annual Data Entry
Please report data on private-label credit card transactions and related information for calendar year 2024. Responding completely and accurately will help
ensure accuracy of the aggregate estimates.
Include:
* Only private-label credit cards and transactions that your organization processed in-house
* Transactions on a closed loop point-of-sale system for use at your retail stores or online establishments
* All domestic and cross-border transactions associated with US-domiciled credit card accounts
* Both consumer and business/government card transactions
* Physical or virtual credit or charge cards
Please leave no item blank.
* Enter "0" if an item is zero
* Enter "NR" if an item is nonzero
but cannot be reported
Do not include:
* Transactions processed over a general-purpose card network (i.e., Visa, MC, Amex, Discover) even if the card is cobranded with your organization
* Transactions for which your organization was only the receivables owner but not the transaction processor
* Transactions originated from foreign accounts
Note: We are surveying both in-house and outsourced private-label credit card issuers/processors. This survey covers private-label credit cards issued by
merchants and processed in house. 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).
Definitions for selected terms can be found in the Glossary tab.
Calendar year 2024 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
transaction processing to a third party.
Partially outsourced
1.a
If fully or partially outsourced, please indicate the name of the processor:
1.b
If your organization outsourced its private-label credit card transaction processing for
only part of 2024, please indicate the period of time in 2024 that your organization did
not outsource:
Fully outsourced
From (2024) mm/dd:
To (2024) mm/dd:
Calendar year 2024 private-label credit card receivables ownership
Receivables ownership:
2
100% in-house
Please indicate if your organization outsourced some or all of its private-label credit card
receivables ownership to a third party (i.e., outstandings were owned by a different
organization).
Partially outsourced
Fully outsourced
1
1
If fully or partially outsourced, please indicate the name of the processor:
2.a
Calendar year 2024 private-label credit card transactions
Tr3
TrnTotl_Val
TrnTotl_Avg
Total transactions
Tr 3.a
TrnDcln_Val
TrnDcln_Avg
Tr4
TrnAuth_Val
Denials (authorization declined)
Total authorized transactions = 3 - 3.a
TrnAuth_Avg
Tr 4.a
Pre-authorization only (authorized but not completed or posted)
TrnPreAuth_Val
TrnPreAuth_Avg
Page 4 of 12
Number
Value ($)
Avg. Value ($)
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of total authorized transactions (Number)
NR
NR
Private-Label Credit Card Merchant Issuer Payment Survey
2024 Data
Annual Data Entry
Tr5
Trn_Val
Trn_Avg
Completed transactions (posted to card accounts) = 4 - 4.a
Tr 5.a
TrnCashAdv_Val
TrnCashAdv_Avg
Cash advances
Tr 5.b
TrnAdj_Val
TrnAdj_Avg
Adjustments and returns
Tr6
TrnNPT_Val
TrnNPT_Avg
Net, purchase transactions = 5 - 5.a - 5.b
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% completed transactions (Number)
NR
NR
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of in-person transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of in-person transactions (Number)
NR
NR
Transactions by channel
Completed transactions (repeat item 5) = 7.a + 7.b
Tr7
TrnRept1_Val
TrnRept1_Avg
Tr 7.a
TrnPpr_Val
TrnPpr_Avg
In-person transactions = 7.a.1 + 7.a.2 + 7.a.3
Transactions the card user initiates by interacting with a physical terminal or other
device provided by the merchant or payee, usually with a card or mobile device. 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.
7.a.1
Tr
TrnPprTkn_Val
TrnPprTkn_Avg
Transactions initiated using a merchant-issued card or token
7.a.2
Tr
TrnPprMob_Val
TrnPprMob_Avg
Transactions initiated using an app on a mobile device
= 7.a.2.1 + 7.a.2.2
7.a.2.1
Tr
TrnPprMobBarcode_Val
TrnPprMobBarcode_Avg
7.a.2.2
Tr
TrnPprMobOth_Val
TrnPprMobOth_Avg
7.a.3
Tr
TrnPprOth_Val
TrnPprOth_Avg
Tr 7.b
TrnRmt_Val
TrnRmt_Avg
Transactions initiated using a barcode or QR code
Number
Value ($)
Avg. Value ($)
% of transactions initiated using an app on a mobile device
(Number)
Other transactions using an app on a mobile device
Number
Value ($)
Avg. Value ($)
% of transactions initiated using an app on a mobile device
(Number)
Other (including instant credit or lookup of account number)
Remote transactions (card user not at merchant location) = 7.b.1 + 7.b.2
Transactions for which the card user does not interact with a physical terminal or other
device provided by the merchant or payee. Typically, these include card-not-present
transactions. Also include any remote transactions classified as card-present solely
because of the level of authentication.
7.b.1
Tr
TrnRmtStore_Va
TrnRmtStore_Avg
Buy online (order and payment)/pick up in store, curbside, or locker
7.b.2
Tr
TrnRmtOth_Val
TrnRmtOth_Avg
Other remote transactions (no store pickup)
Page 5 of 12
NR
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of in-person transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of remote transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of remote transactions (Number)
NR
NR
Private-Label Credit Card Merchant Issuer Payment Survey
2024 Data
Annual Data Entry
Transactions by card user account type
Tr8
Completed transactions (repeat item 5) = 8.a + 8.b
TrnRept2_Val
TrnRept2_Avg
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Tr 8.a
TrnCons_Val
TrnCons_Avg
Transactions from consumer accounts
Transactions made with cards (including virtual cards) issued to a consumer for the
purpose of making consumer-related transactions.
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Tr 8.b
TrnBus_Val
TrnBus_Avg
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.
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Transactions value distribution
Tr9
Completed transactions (repeat item 5)
TrnRept3_Val = 9.a + 9.b + 9.c + 9.d + 9.e + 9.f + 9.g + 9.h + 9.i
TrnRept3_Avg
Tr 9.a
Trn05_Val
Trn05_Avg
Transactions with less than $5.00 in total value
Tr 9.b
Trn510_Val
Trn510_Avg
Transactions with $5.00 to $9.99 in total value
Tr 9.c
Trn1015_Val
Trn1015_Avg
Transactions with $10.00 to $14.99 in total value
Tr 9.d
Trn1525_Val
Trn1525_Avg
Transactions with $15.00 to $24.99 in total value
Tr 9.e
Trn2550_Val
Trn2550_Avg
Transactions with $25.00 to $49.99 in total value
Tr 9.f
Trn50100_Val
Trn50100_Avg
Transactions with $50.00 to $99.99 in total value
Tr 9.g
Trn100500_Val
Trn100500_Avg
Transactions with $100.00 to $499.99 in total value
Tr 9.h
Trn5001000_Val
Trn5001000_Avg
Transactions with $500.00 to $999.99 in total value
Tr 9.i
Trn1000_Val
Trn1000_Avg
Transactions with $1000.00 or greater in total value
Page 6 of 12
Private-Label Credit Card Merchant Issuer Payment Survey
2024 Data
Annual Data Entry
Third-party fraudulent transactions
Fr10
Frd_Val
Frd_Avg
Third-party fraudulent transactions = 10.a + 10.b + 10.c + 10.d + 10.e + 10.f
Include all unauthorized third-party fraudulent transactions that cleared and settled for
which funds subsequently became available to the perpetrator. Do not include fraud
attempts that were prevented before they were cleared and settled, or fraud committed by
the accountholder or other users authorized to make payments.
Fr 10.a
FrdLost_Val
FrdLost_Avg
Lost or stolen card
Fr 10.b
FrdNotRecv_Val
FrdNotRecv_Avg
Card issued but not received
Fr 10.c
FrdAppl_Val
FrdAppl_Avg
Fraudulent application (account issued to someone using a fake identity)
Fr 10.d
FrdCntft_Val
FrdCntft_Avg
Counterfeit card (card-present/stolen card data)
Fr 10.e
FrdAcctNum_Val
FrdAcctNum_Avg
Fraudulent use of account number (card-not-present/stolen card data)
Fr 10.f
FrdOth_Val
FrdOth_Avg
Other (including account takeover)
Number
Value ($)
Avg. Value ($)
Fraud rate (Number)
Fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
Fraud rate (Number)
Fraud rate (Value)
NR
NR
NR
NR
NR
Number
Value ($)
Avg. Value ($)
In-person transactions fraud rate (Number)
In-person transactions fraud rate (Value)
NR
NR
NR
Third-party fraudulent transactions by channel
Third-party fraudulent transactions (repeat item 10) = 11.a + 11.b
Fr11
FrdRept1_Val
FrdRept1_Avg
Fr 11.a
FrdPpr_Val
FrdPpr_Avg
11.a.1
Fr
FrdPprTkn_Val
FrdPprTkn_Avg
11.a.2
Fr
FrdPprMob_Val
FrdPprMob_Avg
In-person transactions = 11.a.1 + 11.a.2 + 11.a.3
Fraudulent transactions the card user initiates by interacting with a physical terminal or
other device provided by the merchant or payee, usually with a card or mobile device.
Also include fraudulent card-not-present transactions for which the card user is
present at the point of sale (e.g., key-entered transactions). Do not include fraudulent
remote transactions classified as card-present solely because of the level of
authentication.
Transactions initiated using a merchant-issued card or token
Transactions intiated using an app on a mobile device
= 11.a.2.1 + 11.a.2.2
Number
Value ($)
Avg. Value ($)
In-person transactions initiated using a merchant-issued card
or tokens fraud rate (Number)
NR
NR
In-person transactions initiated using a merchant-issued card
or tokens fraud rate (Value)
NR
Number
Value ($)
Avg. Value ($)
In-person transactions initiated using an app on a mibile
device fraud rate (Number)
NR
In-person transactions initiated using an app on a mibile
device fraud rate (Value)
NR
Page 7 of 12
NR
Private-Label Credit Card Merchant Issuer Payment Survey
2024 Data
Annual Data Entry
11.a.2.1
Fr
FrdPprMobBarcode_Val
FrdPprMobBarcode_Avg
11.a.2.2
Fr
FrdPprMobOth_Val
FrdPprMobOth_Avg
11.a.3
Fr
FrdPprOth_Val
FrdPprOth_Avg
Number
Value ($)
Avg. Value ($)
In-person transactions initiated using a barcode or QR code
fraud rate (Number)
Other transactions using an app on a mobile device
NR
Number
Value ($)
Avg. Value ($)
Other in-person transactions using an app on a mobile device
fraud rate (Number)
NR
Other in-person transactions using an app on a mobile device
fraud rate (Value)
NR
Remote transactions (card user not at merchant location) = 11.b.1 + 11.b.2
Fraudulent transactions for which the card user does not interact with a physical
terminal or other device provided by the merchant or payee. Typically, these include
fraudulent card-not-present transactions. Also include any fraudulent remote
transactions classified as card-present solely because of the level of authentication.
11.b.1
Fr
FrdRmtStore_Va
FrdRmtStore_Avg
Buy online (order and payment)/pick up in store, curbside, or locker
NR
NR
In-person transactions initiated using a barcode or QR code
fraud rate (Value)
Other (including instant credit or lookup of account number)
Fr 11.b
FrdRmt_Val
FrdRmt_Avg
11.b.2
Fr
FrdRmtOth_Val
FrdRmtOth_Avg
Transactions initiated using a barcode or QR code
NR
Number
Value ($)
Avg. Value ($)
Other in-person transactions fraud rate (Number)
Other in-person transactions fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
Remote transactions fraud rate (Number)
Remote transactions fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
Buy online/pick up in store, curbside, or locker transactions
fraud rate (Number)
NR
Buy online/pick up in store, curbside, or locker transactions
fraud rate (Value)
NR
Other remote transactions (no store pickup)
NR
Number
Value ($)
Avg. Value ($)
Other remote transactions fraud rate (Number)
Other remote transactions fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
Fraud rate (Number)
Fraud rate (Value)
NR
NR
NR
NR
NR
Number
Value ($)
Avg. Value ($)
Transactions from consumer accounts fraud rate (Number)
Transactions from consumer accounts fraud rate (Value)
NR
NR
NR
Third-party fraudulent transactions by card user account type
Third-party fraudulent transactions (repeat item 10) = 12.a + 12.b
Fr12
FrdRept2_Val
FrdRept2_Avg
FrdRept2_Num_Rate
FrdRept2_Val_Rate
Transactions from consumer accounts
Fr 12.a
Fraudulent transactions made with cards (including virtual cards) issued to a
FrdCons_Val
consumer for the purpose of making consumer-related transactions.
FrdCons_Avg
FrdCons_Num_
FrdCons_Val_Rate
Fr 12.b
FrdBus_Val
FrdBus_Avg
FrdBus_Num_R
FrdBus_Val_Ra
Transactions from business/government (commercial) accounts
Fraudulent transactions made with cards (including virtual cards) issued to a business
or government or its employee for the purpose of making business-related
transactions. Include corporate charge, small business, travel/entertainment,
procurement, and fleet cards.
Number
Value ($)
Avg. Value ($)
Transactions from business/government accounts fraud rate
(Number)
Transactions from business/government accounts fraud rate
(Value)
Page 8 of 12
NR
NR
NR
Private-Label Credit Card Merchant Issuer Payment Survey
2024 Data
Annual Data Entry
Third-party fraudulent transactions value distribution
Fr13
Third-party fraudulent transactions value distribution
FrdRept3_Val = 13.a + 13.b + 13.c + 13.d + 13.e + 13.f + 13.g + 13.h + 13.i
FrdRept3_Avg
FrdRept3_Num_Rate
FrdRept3_Val_Rate
Number
Value ($)
Avg. Value ($)
Fraud rate (Number)
Fraud rate (Value)
NR
NR
NR
NR
NR
NR
Frd05_Num_Rate
Number
Value ($)
Avg. Value ($)
Transactions with less than $5.00 in total value fraud rate
(Number)
Frd05_Val_Rate
Transactions with less than $5.00 in total value fraud rate
(Value)
NR
NR
Frd510_Num_Rate
Number
Value ($)
Avg. Value ($)
Transactions with $5.00 to $9.99 in total value fraud rate
(Number)
Frd510_Val_Rate
Transactions with $5.00 to $9.99 in total value fraud rate
(Value)
NR
NR
Frd1015_Num_Rate
Number
Value ($)
Avg. Value ($)
Transactions with $10.00 to $14.99 in total value fraud rate
(Number)
Frd1015_Val_Rate
Transactions with $10.00 to $14.99 in total value fraud rate
(Value)
NR
NR
Frd1525_Num_Rate
Number
Value ($)
Avg. Value ($)
Transactions with $15.00 to $24.99 in total value fraud rate
(Number)
Frd1525_Val_Rate
Transactions with $15.00 to $24.99 in total value fraud rate
(Value)
NR
NR
Frd2550_Num_Rate
Number
Value ($)
Avg. Value ($)
Transactions with $25.00 to $49.99 in total value fraud rate
(Number)
Frd2550_Val_Rate
Transactions with $25.00 to $49.99 in total value fraud rate
(Value)
NR
NR
Frd50100_Num_Rate
Number
Value ($)
Avg. Value ($)
Transactions with $50.00 to $99.99 in total value fraud rate
(Number)
Frd50100_Val_Rate
Transactions with $50.00 to $99.99 in total value fraud rate
(Value)
NR
NR
Frd100500_Num_Rate
Number
Value ($)
Avg. Value ($)
Transactions with $100.00 to $499.99 in total value fraud rate
(Number)
Frd100500_Val_Rate
Transactions with $100.00 to $499.99 in total value fraud rate
(Value)
NR
NR
Frd5001000_Num_Rate
Number
Value ($)
Avg. Value ($)
Transactions with $500.00 to $999.99 in total value fraud rate
(Number)
Frd5001000_Val_Rate
Transactions with $500.00 to $999.99 in total value fraud rate
(Value)
NR
NR
Frd1000_Num_Rate
Number
Value ($)
Avg. Value ($)
Transactions with $1000.00 or greater in total value fraud rate
(Number)
Frd1000_Val_Rate
Transactions with $1000.00 or greater in total value fraud rate
(Value)
NR
Fr 13.a
Frd05_Val
Frd05_Avg
Fr 13.b
Frd510_Val
Frd510_Avg
Fr 13.c
Frd1015_Val
Frd1015_Avg
Fr 13.d
Frd1525_Val
Frd1525_Avg
Fr 13.e
Frd2550_Val
Frd2550_Avg
Fr 13.f
Frd50100_Val
Frd50100_Avg
Fr 13.g
Frd100500_Val
Frd100500_Avg
Fr 13.h
Frd5001000_Val
Frd5001000_Avg
Fr 13.i
Frd1000_Val
Frd1000_Avg
Transactions with less than $5.00 in total value
Transactions with $5.00 to $9.99 in total value
Transactions with $10.00 to $14.99 in total value
Transactions with $15.00 to $24.99 in total value
Transactions with $25.00 to $49.99 in total value
Transactions with $50.00 to $99.99 in total value
Transactions with $100.00 to $499.99 in total value
Transactions with $500.00 to $999.99 in total value
Transactions with $1000.00 or greater in total value
Page 9 of 12
NR
NR
NR
NR
NR
NR
NR
NR
NR
Private-Label Credit Card Merchant Issuer Payment Survey
2024 Data
Annual Data Entry
Virtual cards
14
Please indicate if your organization issued or processed transactions for virtual
private-label credit or charge cards during calendar year 2024.
A virtual card is a digital representation of a private-label credit or charge card that does not
exist in physical form. Typically stored in a digital wallet for online, in-app, or in-person
purchases with a mobile device (using NFC or barcode scanner). Do not count individual
tokenized transactions as virtual cards.
Yes
No
Don't know
Number of cards outstanding
Number of active and total private-label credit or charge cards outstanding
C 15
CdEndTotl_Numas of December 31, 2024 = 15.a + 15.b
CdEnd_Rate
Active cards
Total cards
Active to total private-label credit or charge cards outstanding
ratio
Active cards
Total cards
Virtual cards (digital cards with no associated physical card)
C 15.a
CdEndVirtualTotl_Num
CdEndVirtual_Rate
CdEndVirtualActv_Num_Rate
CdEndVirtualTotl_Num_Rate
Active to total virtual private-label credit or charge cards
outstanding ratio
% of active private-label credit or charge cards outstanding
% of total private-label credit or charge cards outstanding
NR
NR
Active cards
Total cards
NR
NR
Active to total private-label credit or charge cards outstanding
ratio
NR
Cards for consumer accounts
C 16.a
CdEndConsTotl_Num
CdEndCons_Rate
CdEndConsActv_Num_Rate
CdEndConsTotl_Num_Rate
CdEndBusActv_Num_Rate
NR
Active cards
Total cards
Active to total private-label credit or charge cards outstanding
for consumer accounts ratio
% of active private-label credit or charge cards outstanding
% of total private-label credit or charge cards outstanding
Cards for business/government (commercial) accounts
C 16.b
CdEndBusTotl_Num
CdEndBus_Rate
NR
NR
Active to total physical private-label credit or charge cards
outstanding ratio
% of active private-label credit or charge cards outstanding
% of total private-label credit or charge cards outstanding
C 16
Number of active and total private-label credit or charge cards outstanding
CdEndTotlRept_as of December 31, 2024 (repeat item 15) = 16.a + 16.b
CdEndRept_Rate
NR
Active cards
Total cards
Physical cards
C 15.b
CdEndPhysicalTotl_Num
CdEndPhysical_Rate
CdEndPhysicalActv_Num_Rate
CdEndPhysicalTotl_Num_Rate
NR
NR
NR
NR
Active cards
Total cards
Active to total private-label credit or charge cards outstanding
for business/government accounts ratio
% of active private-label credit or charge cards
outstanding
% of total private-label credit or charge cards
outstanding
CdEndBusTotl_Num_Rate
Comments:
Page 10 of 12
NR
NR
NR
Private-Label Credit Card Merchant Issuer Payment Survey
Glossary
Item
Definition
United States: The states, territories, and possessions of the US, the District of Columbia, the Commonwealth
of Puerto Rico, or any political subdivision of any of the foregoing.
Virtual cards: A virtual card is a digital representation of a private-label credit or charge card that does not
exist in physical form. Typically stored in a digital wallet for online, in-app, or in-person purchases with a mobile
device (using NFC or barcode scanner). Do not count individual tokenized transactions as virtual cards.
3a
Denials/declines: Transaction attempts that receive a denial response by the host authorization system and
do not result in an authorized transaction.
4a
Pre-authorization only: Transactions that are temporarily authorized but not completed or posted, or the
portion of authorized amounts that are not included in a final posting.
5
Completed transactions: Purchase or cash advance transactions that are completed and posted to the
private-label card account for payment. Such transactions include those that are subsequently reversed in an
adjustment or return requested by the merchant or cardholder, defined below.
5a
Cash advances: Transactions involving the provision of cash to the card user via an ATM or over the counter
with the use of a credit or charge card, typically authenticated by entering a personal identification number
(PIN). (Unlike debit or prepaid card cash-back transactions, cash advances are not combined with a purchase.)
5b
Adjustments and returns: Completed and posted transactions that are subsequently reversed, in whole or in
part, and that transfer value back to the card account (e.g., customer return of goods, complaints, disputed
charges, fraud, duplicate transaction entry).
6
Net, purchase transactions: Completed purchase transactions that have not been reversed. Exclude
denials, transactions that are pre-authorization only, cash advances, and adjustments and returns defined above.
9
Transaction value distribution: Your best estimate for the number and dollar value of transactions that fall
within the "dollar size bands" requested.
10a
Lost or stolen card: Fraudulent transactions via a card reported as lost or stolen.
10b
Card issued but not received: Fraudulent transactions reported to be via an intercepted new or
replacement card in transit that was activated by someone other than the cardholder.
10c
Fraudulent application: Fraudulent transactions reported to be via a new card that was issued to someone
other than the cardholder using falsified information or a stolen identity.
10d
Counterfeit card: Fraudulent in-person transactions via an altered or cloned card.
10e
Fraudulent use of account number: Fraudulent transactions using account number and other card and
cardholder details, typically remotely.
Page 11 of 12
Private-Label Credit Card Merchant Issuer Payment Survey
Glossary
Item
Definition
10f
Other (including account takeover): All other fraudulent transactions not included the above categories.
In particular, "other" covers account takeover, a form of identity theft whereby an unauthorized party gains access
to and use of an existing card account.
15
Total cards: All issued, activated, and unexpired private-label credit or charge cards (linked to US-domiciled
accounts).
15
Active cards: Private-label credit or charge cards outstanding with a minimum level of purchase activity
according to your organization's definition.
15b
Physical cards: A physical private-label credit or charge card with a magstripe and/or chip that is issued to the
customer for making purchases in person.
Page 12 of 12
FR 3066b
OMB No. 7100-0351
Approval expires February 29, 2028
The Federal Reserve
Payments Study
Private-Label Credit Card
Processor Payment Survey
Survey Period:
Calendar Year 2024
Responding to this collection is voluntary. The Federal Reserve may not conduct or sponsor, and an organization is not required to
respond to, a collection of information unless it displays a currently valid OMB control number. 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.
Page 1 of 12
Networks, Processors, and Issuers Payments Surveys (NPIPS)
Private-Label Credit Card Processor Payment Survey
Instructions
About this survey
This survey, part of the NPIPS, covers private-label credit card transactions that your organization processed in-house for calendar year
2024 (CY2024). Allocations of transactions are requested for several category types, including transactions classified as fraudulent by an
unauthorized third party. Counts of the number of active and total cards (including both physical and virtual cards) that are issued and/or
processed by your organization and outstanding are also requested.
About the study
This survey and other NPIPS surveys are part of the Federal Reserve Payments Study (FRPS), which is conducted by the Federal
Reserve Bank of Atlanta and the Federal Reserve Board. Your response will be used in combination with peer responses to estimate
national aggregate volumes for CY2024. Aggregate results will be compared to those of previous studies to track changes and identify
trends in US payments.
Confidentiality
Any data 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. If your organization outsourced
payments processing to another organization during CY2024, please request the necessary data from that organization or
provide them with the survey so they may respond on behalf of your organization.
>> Please respond by: June 13, 2025 <<
Data entry
Please enter annual data for CY2024 in the Annual Data Entry tab (i.e., worksheet). If estimated amounts rather than actual amounts are
reported for any item(s), please explain in the comments field at the bottom of the tab. By default, tabs are protected and only cells
needed for data entry are unlocked.
Example
1. Direct data entry (light blue boxes). For numeric data, key in the actual number or dollar amount.
Note: Items left blank can be difficult to interpret and may generate follow-up questions. If a positive amount cannot be provided,
please consider entering one of these alternatives:
* Enter "0" if the requested item is known to be zero. (This is appropriate for items that are not applicable to your organization.)
* Enter "NR" (not reported/not reportable) if the requested item is known to be nonzero but cannot be reported.
Example
2. Automatic entry of calculations or repeated figures (dark blue box). Cells are protected, but different amounts may be entered into the
override cells to the right (yellow box), if necessary. Only positive numeric amounts are valid for override cells.
Override
NR
(Automatic entry cells display "NR" until required information is provided.)
Example
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
Unexpected condition flags
As you fill out the survey, flags may be raised describing the results of simple arithmetic comparisons. These are intended to help you
identify potential mistakes and, if appropriate, correct them. However, it may not always be appropriate to revise data when flags are
raised, and you may choose to leave your response data as is. If that happens, please provide feedback and explanations in the
comments field at the bottom of each tab. Your comments may help us understand your data and avoid the need for follow up.
Conditions that can raise a flag include:
1. Logical inconsistencies: These check for essential arithmetical relationships among items based on survey definitions and structure.
They include adding-up conditions for items and their sub-items, pairing of zeros with nonzeros, and entry of NR when a known
amount is implied by other reported item amounts.
Examples
Item in Q3 is not equal to the sum of subitems: Q3 > Q3.a + Q3.b.
Inconsistent pair: Q3 Balance ($) cannot be 0 if Q3 Number is nonzero.
Item should be reportable if all related items (Q2, Q2.b) are reported.
Note: Leaving items blank will not throw flags. However, consistency problems may still exist when the amount is left blank but is
implied by other related item amounts. Such cases can be checked by entering NR when an item is not reported/not reportable. If
possible, please review your survey workbooks for any blank data-entry cells and replace them before submitting.
2. Exceeding set boundaries: These compare against lower and upper boundaries for averages and ratios. The boundaries are
intended to allow a wide range, but may not be appropriate for your organization.
Glossary
Definitions for selected terms can be found in the Glossary tab.
Submitting the completed survey
Submitted via Intralinks:
Please have your organization's Study Coordinator that established access to an Intralinks account submit this and any other survey
workbooks.
To submit your completed survey, log in to your organization's Intralinks account where you will see a folder labeled with a unique numeric
identifier assigned to your organization. Within this folder are two subfolders – one for submitting your data and the other for retrieving
data that we may send you. Locate the Submit Data folder, and upload your completed survey workbooks on the encrypted Intralinks
platform. Once we receive notification of your submission, acknowledgement of receipt will be sent to you from
[email protected].
Page 2 of 12
Example
This average value is unusually low.
Networks, Processors, and Issuers Payments Surveys (NPIPS)
Private-Label Credit Card Processor Payment Survey
Instructions
Questions?
If you have questions about the survey content or need assistance with the submission process, please contact the Federal Reserve
Payments Study team at www.paymentsstudy.com.
Comments
Please provide any feedback and suggestions about the survey or submission process in the box below:
Page 3 of 12
Private-Label Credit Card Processor Payment Survey
2024 Data
Annual Data Entry
Please report data on private-lable credit card transactions and related information for calendar year 2024. Responding completely and accurately will help
ensure accuracy of the aggregate estimates.
Include:
* Only private-label credit cards and transactions that your organization issued and/or processed in-house on behalf of merchant customers
* Transactions on a closed loop point-of-sale system
* All domestic and cross-border transactions associated with US-domiciled credit card accounts
* Physical or virtual credit or charge cards
Do not include:
* General-purpose (i.e., network-branded Visa, MC, Amex, Discover) credit, debit, or prepaid card transactions
* Transactions for which your organization was only the receivables owner but not the transaction processor
* Transactions originated from foreign accounts
Please leave no item blank.
* Enter "0" if an item is zero
* Enter "NR" if an item is nonzero
but cannot be reported
Definitions for selected terms can be found in the Glossary tab.
Calendar year 2024 private-label credit card transaction processing
1
Transaction processing:
Only owned receivables
Please describe your organization's private-label credit card transaction processing
services (choose one):
Processed transactions
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.a
Calendar year 2024 private-label credit card transactions
Tr2
TrnTotl_Val
TrnTotl_Avg
Total transactions
Tr 2.a
TrnDcln_Val
TrnDcln_Avg
Tr3
TrnAuth_Val
TrnAuth_Avg
Denials (authorization declined)
Total authorized transactions = 2 - 2.a
Tr 3.a
TrnPreAuth_Val
TrnPreAuth_Avg
Tr4
Trn_Val
Trn_Avg
Pre-authorization only (authorized but not completed or posted)
Completed transactions (posted to card accounts) = 3 - 3.a
Tr 4.a
TrnCashAdv_Val
TrnCashAdv_Avg
Cash advances
Tr 4.b
TrnAdj_Val
TrnAdj_Avg
Adjustments and returns
Tr5
TrnNPT_Val
TrnNPT_Avg
Net, purchase transactions = 4 - 4.a - 4.b
Page 4 of 12
Number
Value ($)
Avg. Value ($)
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of total authorized transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Private-Label Credit Card Processor Payment Survey
2024 Data
Annual Data Entry
Transactions by channel
Completed transactions (repeat item 4) = 6.a + 6.b
Tr6
TrnRept1_Val
TrnRept1_Avg
Tr 6.a
TrnPpr_Val
TrnPpr_Avg
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of in-person transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of in-person transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of transactions using app or mobile device (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of transactions using app or mobile device (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of in-person transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of remote transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of remote transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
In-person transactions = 6.a.1 + 6.a.2 + 6.a.3
Transactions the card user initiates by interacting with a physical terminal or other
device provided by the merchant or payee, usually with a card or mobile device. 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.
6.a.1
Tr
TrnPprTkn_Val
TrnPprTkn_Avg
Transactions initiated using a merchant-issued card or token
6.a.2
Tr
TrnPprMob_Val
TrnPprMob_Avg
Transactions initiated using an app on a mobile device
= 6.a.2.1 + 6.a.2.2
6.a.2.1
Tr
TrnPprMobBarcode_Val
TrnPprMobBarcode_Avg
Transactions initiated using a barcode or QR code
6.a.2.2
Tr
TrnPprMobOth_Val
TrnPprMobOth_Avg
Transactions initiated using an app on a mobile device
6.a.3
Tr
TrnPprOth_Val
TrnPprOth_Avg
Other (including instant credit or lookup of account number)
Tr 6.b
TrnRmt_Val
TrnRmt_Avg
Remote transactions (card user not at merchant location) = 6.b.1 + 6.b.2
Transactions for which the card user does not interact with a physical terminal or other
device provided by the merchant or payee. Typically, these include card-not-present
transactions. Also include any remote transactions classified as card-present solely
because of the level of authentication.
6.b.1
Tr
TrnRmtStore_Val
TrnRmtStore_Avg
Buy online (order and payment)/pick up in store, curbside, or locker
6.b.2
Tr
TrnRmtOth_Val
TrnRmtOth_Avg
Other remote transactions (no store pickup)
Transactions by card user accoutn type
Completed transactions (repeat item 4) = 7.a + 7.b
Tr7
TrnRept2_Val
TrnRept2_Avg
Tr 7.a
TrnCons_Val
TrnCons_Avg
Transactions from consumer accounts
Transactions made with cards (including virtual cards) issued to a consumer for the
purpose of making consumer-related transactions.
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Tr 7.b
TrnBus_Val
TrnBus_Avg
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.
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Page 5 of 12
Private-Label Credit Card Processor Payment Survey
2024 Data
Annual Data Entry
Transactions value distribution
Tr8
Completed transactions (repeat item 4)
TrnRept3_Val = 8.a + 8.b + 8.c + 8.d + 8.e + 8.f + 8.g + 8.h + 8.i
TrnRept3_Avg
Tr 8.a
Trn05_Val
Trn05_Avg
Transactions with less than $5.00 in total value
Tr 8.b
Trn510_Val
Trn510_Avg
Transactions with $5.00 to $9.99 in total value
Tr 8.c
Trn1015_Val
Trn1015_Avg
Transactions with $10.00 to $14.99 in total value
Tr 8.d
Trn1525_Val
Trn1525_Avg
Transactions with $15.00 to $24.99 in total value
Tr 8.e
Trn2550_Val
Trn2550_Avg
Transactions with $25.00 to $49.99 in total value
Tr 8.f
Trn50100_Val
Trn50100_Avg
Transactions with $50.00 to $99.99 in total value
Tr 8.g
Trn100500_Val
Trn100500_Avg
Transactions with $100.00 to $499.99 in total value
Tr 8.h
Trn5001000_Val
Trn5001000_Avg
Transactions with $500.00 to $999.99 in total value
Tr 8.i
Trn1000_Val
Trn1000_Avg
Transactions with $1000.00 or greater in total value
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
Fraud rate (Number)
Fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Third-party fraudulent transactions
Fr9
Frd_Val
Frd_Avg
Third-party fraudulent transactions = 9.a + 9.b + 9.c + 9.d + 9.e + 9.f
Include all unauthorized third-party fraudulent transactions that cleared and settled for
which funds subsequently became available to the perpetrator. Do not include fraud
attempts that were prevented before they were cleared and settled, or fraud committed by
the accountholder or other users authorized to make payments.
Fr 9.a
FrdLost_Val
FrdLost_Avg
Lost or stolen card
Fr 9.b
FrdNotRecv_Val
FrdNotRecv_Avg
Card issued but not received
Fr 9.c
FrdAppl_Val
FrdAppl_Avg
Fraudulent application (account issued to someone using a fake identity)
Fr 9.d
FrdCntft_Val
FrdCntft_Avg
Counterfeit card (card-present/stolen card data)
Page 6 of 12
Private-Label Credit Card Processor Payment Survey
2024 Data
Annual Data Entry
Fr 9.e
FrdAcctNum_Val
FrdAcctNum_Avg
Fraudulent use of account number (card-not-present/stolen card data)
Fr 9.f
FrdOth_Val
FrdOth_Avg
Other (including account takeover)
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
Fraud rate (Number)
Fraud rate (Value)
NR
NR
NR
NR
NR
Number
Value ($)
Avg. Value ($)
In-person transactions fraud rate (Number)
In-person transactions fraud rate (Value)
NR
NR
NR
Third-party fraudulent transactions by channel
Third-party fraudulent transactions (repeat item 9) = 10.a + 10.b
Fr10
FrdRept1_Val
FrdRept1_Avg
FrdRept1_Num_Rate
FrdRept1_Val_Rate
Fr 10.a
FrdPpr_Val
FrdPpr_Avg
FrdPpr_Num_R
FrdPpr_Val_Rat
In-person transactions = 10.a.1 + 10.a.2 + 10.a.3
Fraudulent transactions the card user initiates by interacting with a physical terminal or
other device provided by the merchant or payee, usually with a card or mobile device.
Also include fraudulent card-not-present transactions for which the card user is
present at the point of sale (e.g., key-entered transactions). Do not include fraudulent
remote transactions classified as card-present solely because of the level of
authentication.
10.a.1
Fr
FrdPprTkn_Val
FrdPprTkn_Avg
Transactions initiated using a merchant-issued card or token
FrdPprTkn_Num_Rate
Number
Value ($)
Avg. Value ($)
In-person transactions initiated using a merchant-issued card
or tokens fraud rate (Number)
FrdPprTkn_Val_Rate
In-person transactions initiated using a merchant-issued card
or tokens fraud rate (Value)
NR
NR
FrdPprMob_Num_Rate
Number
Value ($)
Avg. Value ($)
In-person transactions initiated using an app on a mibile
device fraud rate (Number)
FrdPprMob_Val_Rate
In-person transactions initiated using an app on a mibile
device fraud rate (Value)
NR
10.a.2
Fr
FrdPprMob_Val
FrdPprMob_Avg
Transactions initiated using an app on a mobile device
= 10.a.2.1 + 10.a.2.2
10.a.2.1
Fr
FrdPprMobBarcode_Val
FrdPprMobBarcode_Avg
Transactions initiated using a barcode or QR code
NR
NR
NR
FrdPprMobBarcode_Num_Rate
Number
Value ($)
Avg. Value ($)
In-person transactions initiated using a barcode or QR code
fraud rate (Number)
FrdPprMobBarcode_Val_Rate
In-person transactions initiated using a barcode or QR code
fraud rate (Value)
NR
NR
FrdPprMobOth_Num_Rate
Number
Value ($)
Avg. Value ($)
Other in-person transactions using an app on a mobile device
fraud rate (Number)
FrdPprMobOth_Val_Rate
Other in-person transactions using an app on a mobile device
fraud rate (Value)
NR
10.a.2.2
Fr
FrdPprMobOth_Val
FrdPprMobOth_Avg
Other transactions using an app on a mobile device
10.a.3
Fr
FrdPprOth_Val
FrdPprOth_Avg
FrdPprOth_Num_Rate
FrdPprOth_Val_Rate
Fr 10.b
FrdRmt_Val
FrdRmt_Avg
FrdRmt_Num_R
FrdRmt_Val_Ra
Other (including instant credit or lookup of account number)
Remote transactions (card user not at merchant location) = 10.b.1 + 10.b.2
Fraudulent transactions for which the card user does not interact with a physical
terminal or other device provided by the merchant or payee. Typically, these include
fraudulent card-not-present transactions. Also include any fraudulent remote
transactions classified as card-present solely because of the level of authentication.
10.b.1
Fr
FrdRmtStore_Val
FrdRmtStore_Avg
NR
Number
Value ($)
Avg. Value ($)
Other in-person transactions fraud rate (Number)
Other in-person transactions fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
Remote transactions fraud rate (Number)
Remote transactions fraud rate (Value)
NR
NR
NR
NR
FrdRmtStore_Num_Rate
Number
Value ($)
Avg. Value ($)
Buy online/pick up in store, curbside, or locker transactions
fraud rate (Number)
FrdRmtStore_Val_Rate
Buy online/pick up in store, curbside, or locker transactions
fraud rate (Value)
NR
10.b.2
Fr
FrdRmtOth_Val
FrdRmtOth_Avg
FrdRmtOth_Num_Rate
FrdRmtOth_Val_Rate
Buy online (order and payment)/pick up in store, curbside, or locker
NR
NR
Other remote transactions (no store pickup)
Number
Value ($)
Avg. Value ($)
Other remote transactions fraud rate (Number)
Other remote transactions fraud rate (Value)
Page 7 of 12
NR
NR
NR
NR
Private-Label Credit Card Processor Payment Survey
2024 Data
Annual Data Entry
Third-party fraudulent transactions by card user account type
Third-party fraudulent transactions (repeat item 10) = 11.a + 11.b
Fr11
FrdRept2_Val
FrdRept2_Avg
FrdRept2_Num_Rate
FrdRept2_Val_Rate
Transactions from consumer accounts
Fr 11.a
Fraudulent transactions made with cards (including virtual cards) issued to a
FrdCons_Val
consumer
for the purpose of making consumer-related transactions.
FrdCons_Avg
FrdCons_Num_
FrdCons_Val_Rate
Fr 11.b
FrdBus_Val
FrdBus_Avg
Transactions from business/government (commercial) accounts
Fraudulent transactions made with cards (including virtual cards) issued to a business
or government or its employee for the purpose of making business-related
transactions. Include corporate charge, small business, travel/entertainment,
procurement, and fleet cards.
FrdBus_Num_R
FrdBus_Val_Ra
Number
Value ($)
Avg. Value ($)
Fraud rate (Number)
Fraud rate (Value)
NR
NR
NR
NR
NR
Number
Value ($)
Avg. Value ($)
Transactions from consumer accounts fraud rate (Number)
Transactions from consumer accounts fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
NR
Transactions from business/government accounts fraud rate
(Number)
NR
Transactions from business/government accounts fraud rate
(Value)
NR
Number
Value ($)
Avg. Value ($)
Fraud rate (Number)
Fraud rate (Value)
NR
NR
NR
NR
NR
Number
Value ($)
Avg. Value ($)
NR
Third-party fraudulent transactions value distribution
Third-party fraudulent transactions value distribution
Fr12
FrdRept3_Val = 12.a + 12.b + 12.c + 12.d + 12.e + 12.f + 12.g + 12.h + 12.i
FrdRept3_Avg
FrdRept3_Num_Rate
FrdRept3_Val_Rate
Fr 12.a
Frd05_Val
Frd05_Avg
Transactions with less than $5.00 in total value
Frd05_Num_Rate
Transactions with less than $5.00 in total value fraud rate
(Number)
NR
Frd05_Val_Rate
Transactions with less than $5.00 in total value fraud rate
(Value)
NR
Fr 12.b
Frd510_Val
Frd510_Avg
Transactions with $5.00 to $9.99 in total value
Number
Value ($)
Avg. Value ($)
NR
Frd510_Num_Rate
Transactions with $5.00 to $9.99 in total value fraud rate
(Number)
NR
Frd510_Val_Rate
Transactions with $5.00 to $9.99 in total value fraud rate
(Value)
NR
Fr 12.c
Frd1015_Val
Frd1015_Avg
Transactions with $10.00 to $14.99 in total value
Number
Value ($)
Avg. Value ($)
NR
Frd1015_Num_Rate
Transactions with $10.00 to $14.99 in total value fraud rate
(Number)
NR
Frd1015_Val_Rate
Transactions with $10.00 to $14.99 in total value fraud rate
(Value)
NR
Fr 12.d
Frd1525_Val
Frd1525_Avg
Transactions with $15.00 to $24.99 in total value
Number
Value ($)
Avg. Value ($)
NR
Frd1525_Num_Rate
Transactions with $15.00 to $24.99 in total value fraud rate
(Number)
NR
Frd1525_Val_Rate
Transactions with $15.00 to $24.99 in total value fraud rate
(Value)
NR
Fr 12.e
Frd2550_Val
Frd2550_Avg
Transactions with $25.00 to $49.99 in total value
Number
Value ($)
Avg. Value ($)
NR
Frd2550_Num_Rate
Transactions with $25.00 to $49.99 in total value fraud rate
(Number)
NR
Frd2550_Val_Rate
Transactions with $25.00 to $49.99 in total value fraud rate
(Value)
NR
Fr 12.f
Frd50100_Val
Frd50100_Avg
Transactions with $50.00 to $99.99 in total value
Number
Value ($)
Avg. Value ($)
NR
Frd50100_Num_Rate
Transactions with $50.00 to $99.99 in total value fraud rate
(Number)
NR
Frd50100_Val_Rate
Transactions with $50.00 to $99.99 in total value fraud rate
(Value)
NR
Page 8 of 12
Private-Label Credit Card Processor Payment Survey
2024 Data
Annual Data Entry
Fr 12.g
Frd100500_Val
Frd100500_Avg
Transactions with $100.00 to $499.99 in total value
Number
Value ($)
Avg. Value ($)
NR
Frd100500_Num_Rate
Transactions with $100.00 to $499.99 in total value fraud rate
(Number)
NR
Frd100500_Val_Rate
Transactions with $100.00 to $499.99 in total value fraud rate
(Value)
NR
Fr 12.h
Frd5001000_Val
Frd5001000_Avg
Transactions with $500.00 to $999.99 in total value
Number
Value ($)
Avg. Value ($)
NR
Frd5001000_Num_Rate
Transactions with $500.00 to $999.99 in total value fraud rate
(Number)
NR
Frd5001000_Val_Rate
Transactions with $500.00 to $999.99 in total value fraud rate
(Value)
NR
Fr 12.i
Frd1000_Val
Frd1000_Avg
Transactions with $1000.00 or greater in total value
Number
Value ($)
Avg. Value ($)
NR
Frd1000_Num_Rate
Transactions with $1000.00 or greater in total value fraud rate
(Number)
NR
Frd1000_Val_Rate
Transactions with $1000.00 or greater in total value fraud rate
(Value)
NR
Virtual cards
13
Please indicate if your organization issued or processed transactions for virtual
private-label credit or charge cards during calendar year 2024.
A virtual card is a digital representation of a private-label credit or charge card that does not
exist in physical form. Typically stored in a digital wallet for online, in-app, or in-person
purchases with a mobile device (using NFC or barcode scanner). Do not count individual
tokenized transactions as virtual cards.
Yes
No
Don't know
Number of cards outstanding
C 14
Number of active and total private-label credit or charge cards outstanding
CdEndTotl_Numas of December 31, 2024 = 14.a + 14.b
CdEnd_Rate
Active cards
Total cards
Active to total private-label credit or charge cards outstanding
ratio
Virtual cards (digital cards with no associated physical card)
C 14.a
CdEndVirtualTotl_Num
CdEndVirtual_Rate
CdEndVirtualActv_Num_Rate
CdEndVirtualTotl_Num_Rate
Active cards
Total cards
Active to total virtual private-label credit or charge cards
outstanding ratio
% of active private-label credit or charge cards outstanding
% of total private-label credit or charge cards outstanding
Physical cards
C 14.b
CdEndPhysicalTotl_Num
CdEndPhysical_Rate
CdEndPhysicalActv_Num_Rate
CdEndPhysicalTotl_Num_Rate
CdEndConsActv_Num_Rate
CdEndConsTotl_Num_Rate
NR
NR
Active cards
Total cards
NR
NR
Active to total private-label credit or charge cards outstanding
ratio
NR
CdEndBusActv_Num_Rate
CdEndBusTotl_Num_Rate
NR
Active cards
Total cards
Active to total private-label credit or charge cards outstanding
for consumer accounts ratio
% of active private-label credit or charge cards outstanding
% of total private-label credit or charge cards outstanding
Cards for business/government (commercial) accounts
C 15.b
CdEndBusTotl_Num
CdEndBus_Rate
NR
NR
Active to total physical private-label credit or charge cards
outstanding ratio
% of active private-label credit or charge cards outstanding
% of total private-label credit or charge cards outstanding
Cards for consumer accounts
C 15.a
CdEndConsTotl_Num
CdEndCons_Rate
NR
Active cards
Total cards
Number of active and total private-label credit or charge cards outstanding
C 15
CdEndTotlRept_as of December 31, 2024 (repeat item 14) = 15.a + 15.b
CdEndRept_Rate
NR
NR
NR
NR
Active cards
Total cards
Active to total private-label credit or charge cards outstanding
for business/government accounts ratio
% of active private-label credit or charge cards
% of total private-label credit or charge cards
Page 9 of 12
NR
NR
NR
Private-Label Credit Card Processor Payment Survey
2024 Data
Annual Data Entry
Comments:
Page 10 of 12
Private-Label Credit Card Processor Payment Survey
X3A0T
Glossary
Item
Definition
United States: The states, territories, and possessions of the US, the District of Columbia, the Commonwealth
of Puerto Rico, or any political subdivision of any of the foregoing.
Virtual cards: A virtual card is a digital representation of a private-label credit or charge card that does not
exist in physical form. Typically stored in a digital wallet for online, in-app, or in-person purchases with a mobile
device (using NFC or barcode scanner). Do not count individual tokenized transactions as virtual cards.
2a
Denials/declines: Transaction attempts that receive a denial response by the host authorization system and
do not result in an authorized transaction.
3a
Pre-authorization only: Transactions that are temporarily authorized but not completed or posted, or the
portion of authorized amounts that are not included in a final posting.
4
Completed transactions: Purchase or cash advance transactions that are completed and posted to the
private-label card account for payment. Such transactions include those that are subsequently reversed in an
adjustment or return requested by the merchant or cardholder, defined below.
4a
Cash advances: Transactions involving the provision of cash to the card user via an ATM or over the counter
with the use of a credit or charge card, typically authenticated by entering a personal identification number
(PIN). (Unlike debit or prepaid card cash-back transactions, cash advances are not combined with a purchase.)
4b
Adjustments and returns: Completed and posted transactions that are subsequently reversed, in whole or in
part, and that transfer value back to the card account (e.g., customer return of goods, complaints, disputed
charges, fraud, duplicate transaction entry).
5
Net, purchase transactions: Completed purchase transactions that have not been reversed. Exclude
denials, transactions that are pre-authorization only, cash advances, and adjustments and returns defined above.
8
Transaction value distribution: Your best estimate for the number and dollar value of transactions that fall
within the "dollar size bands" requested.
9a
Lost or stolen card: Fraudulent transactions via a card reported as lost or stolen.
9b
Card issued but not received: Fraudulent transactions reported to be via an intercepted new or
replacement card in transit that was activated by someone other than the cardholder.
9c
Fraudulent application: Fraudulent transactions reported to be via a new card that was issued to someone
other than the cardholder using falsified information or a stolen identity.
9d
Counterfeit card: Fraudulent in-person transactions via an altered or cloned card.
9e
Fraudulent use of account number: Fraudulent transactions using account number and other card and
cardholder details, typically remotely.
Page 11 of 12
Private-Label Credit Card Processor Payment Survey
X3A0T
Glossary
Item
Definition
9f
Other (including account takeover): All other fraudulent transactions not included the above categories.
In particular, "other" covers account takeover, a form of identity theft whereby an unauthorized party gains access
to and use of an existing card account.
14
Total cards: All issued, activated, and unexpired private-label credit or charge cards (linked to US-domiciled
accounts).
14
Active cards: Private-label credit or charge cards outstanding with a minimum level of purchase activity
according to your organization's definition.
14b
Physical cards: A physical private-label credit or charge card with a magstripe and/or chip that is issued to the
customer for making purchases in person.
Page 12 of 12
FR 3066b
OMB No. 7100-0351
Approval expires February 29, 2028
The Federal Reserve
Payments Study
General-Purpose Debit Card
Network Payment Survey
Survey Period:
Calendar Year 2024
Responding to this collection is voluntary. The Federal Reserve may not conduct or sponsor, and an organization is not required to
respond to, a collection of information unless it displays a currently valid OMB control number. 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.
Page 1 of 18
Networks, Processors, and Issuers Payments Surveys (NPIPS)
General-Purpose Debit Card Network Payment Survey
Instructions
About this survey
This survey, part of the NPIPS, covers general-purpose debit card network transactions for calendar year 2024 (CY2024). Allocations of
transactions are requested for several category types, including transactions classified as fraudulent by an unauthorized third party. Counts of
the number of active and total cards (including both physical and virtual cards) carrying your organization's network brand that are issued and
outstanding are also requested.
About the study
This survey and other NPIPS surveys are part of the Federal Reserve Payments Study (FRPS), which is conducted by the Federal Reserve
Bank of Atlanta and the Federal Reserve Board. Your response will be used in combination with peer responses to estimate national
aggregate volumes for CY2024. Aggregate results will be compared to those of previous studies to track changes and identify trends in US
payments.
Confidentiality
Any data 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. If your organization outsourced payments
processing to another organization during CY2024, please request the necessary data from that organization or provide them with the
survey so they may respond on behalf of your organization.
>> Please respond by: June 13, 2025 <<
Data entry
Please enter annual data for CY2024 in the Annual Data Entry tab (i.e., worksheet). Please enter quarterly data for items highlighted in
orange in the Quarterly Data Entry tab. If estimated amounts rather than actual amounts are reported for any item(s), please explain in the
comments field at the bottom of the tab. By default, tabs are protected and only cells needed for data entry are unlocked.
Example
1. Direct data entry (light blue boxes). For numeric data, key in the actual number or dollar amount.
Note: Items left blank can be difficult to interpret and may generate follow-up questions. If a positive amount cannot be provided, please
consider entering one of these alternatives:
* Enter "0" if the requested item is known to be zero. (This is appropriate for items that are not applicable to your organization.)
* Enter "NR" (not reported/not reportable) if the requested item is known to be nonzero but cannot be reported.
Example
2. Automatic entry of calculations or repeated figures (dark blue box). Cells are protected, but different amounts may be entered into the
override cells to the right (yellow box), if necessary. Only positive numeric amounts are valid for override cells.
Override
NR
(Automatic entry cells display "NR" until required information is provided.)
Example
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
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
Unexpected condition flags
As you fill out the survey, flags may be raised describing the results of simple arithmetic comparisons. These are intended to help you identify
potential mistakes and, if appropriate, correct them. However, it may not always be appropriate to revise data when flags are raised, and you
may choose to leave your response data as is. If that happens, please provide feedback and explanations in the comments field at the bottom
of each tab. Your comments may help us understand your data and avoid the need for follow up.
Conditions that can raise a flag include:
1. Logical inconsistencies: These check for essential arithmetical relationships among items based on survey definitions and structure.
They include adding-up conditions for items and their sub-items, pairing of zeros with nonzeros, and entry of NR when a known amount is
implied by other reported item amounts.
Examples
Item in Q3 is not equal to the sum of subitems: Q3 > Q3.a + Q3.b.
Inconsistent pair: Q3 Balance ($) cannot be 0 if Q3 Number is nonzero.
Item should be reportable if all related items (Q2, Q2.b) are reported.
Note: Leaving items blank will not throw flags. However, consistency problems may still exist when the amount is left blank but is implied
by other related item amounts. Such cases can be checked by entering NR when an item is not reported/not reportable. If possible, please
review your survey workbooks for any blank data-entry cells and replace them before submitting.
2. Exceeding set boundaries: These compare against lower and upper boundaries for averages and ratios. The boundaries are intended to
allow a wide range, but may not be appropriate for your organization.
Glossary
Definitions for selected terms can be found in the Glossary tab.
Page 2 of 18
Example
This average value is unusually low.
Networks, Processors, and Issuers Payments Surveys (NPIPS)
General-Purpose Debit Card Network Payment Survey
Instructions
Submitting the completed survey
Submitted via Intralinks:
Please have your organization's Study Coordinator that established access to an Intralinks account submit this and any other survey
workbooks.
To submit your completed survey, log in to your organization's Intralinks account where you will see a folder labeled with a unique numeric
identifier assigned to your organization. Within this folder are two subfolders – one for submitting your data and the other for retrieving data
that we may send you. Locate the Submit Data folder, and upload your completed survey workbooks on the encrypted Intralinks platform.
Once we receive notification of your submission, acknowledgement of receipt will be sent to you from [email protected].
Questions?
If you have questions about the survey content or need assistance with the submission process, please contact the Federal Reserve
Payments Study team at www.paymentsstudy.com.
Comments
Please provide any feedback and suggestions about the survey or submission process in the box below:
Page 3 of 18
General-Purpose Debit Card Network Payment Survey
2024 Data
Annual Data Entry
Please report data on general-purpose debit card transactions and related information for calendar year 2024. Responding completely and accurately will help
ensure accuracy of the aggregate estimates.
Include:
* Only debit cards and transactions carrying your organization's network brand
* All domestic and cross-border transactions associated with US-domiciled transaction deposit accounts
* Physical or virtual debit cards
Please leave no item blank.
* Enter "0" if an item is zero
* Enter "NR" if an item is nonzero
but cannot be reported
Do not include:
* Original credit transactions (OCTs) or push payment credits
* Transactions processed by your organization but carrying another organization's network brand
* Credit card or private-label (closed loop) transactions
* Non-network transactions
* Electronic benefits transfer (EBT) card transactions
* ATM transactions
* Transactions originated from foreign accounts (except for questions 13 and 23)
Quarterly data are also requested for items shaded orange and should be entered in the separate sheet provided.
Definitions for selected terms can be found in the Glossary tab.
Calendar year 2024 general-purpose debit card transactions
Please indicate what data are reported in your response to this survey. Your organization may
offer both non-prepaid and prepaid debit card authorization and settlement services. If
possible, please only report non-prepaid debit card network transactions in this survey (the
default selection).
1
r 2
r
r
T
r
r
r
Total transactions
Do not include electronic benefits transfer (EBT) card or ATM transactions.
2.a
T
3
r
T
r
r
T
r
r
r
Denials (authorization declined)
Total authorized transactions = 2 - 2.a
3.a
r 4
r
Pre-authorization only (authorized but not settled)
Net, authorized & settled transactions = 3 - 3.a
r
r
r
r
4.a
r
r
r
4.b
r
r
r
4.b.1
r
r
r
4.b.2
r 5
r
r
Cash-back at the point of sale
Adjustments and returns = 4.b.1 + 4.b.2
Chargebacks (issuer initiated)
Other adjustments and returns (acquirer initiated)
Net, purchase transactions
= 4 - 4.b for Number, = 4 - 4.a - 4.b 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.
Page 4 of 18
Non-prepaid debit only
Both non-prepaid and prepaid debit
0
Number
Value ($)
Avg. Value ($)
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of total authorized transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of adjustments and returns (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of adjustments and returns (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & setteled transactions (Number)
NR
NR
NR
NR
General-Purpose Debit Card Network Payment Survey
2024 Data
Annual Data Entry
Preferred basis for reporting
payment transactions
T
6
r
Among the different subtotals of payment transactions listed above, which would you prefer to
use to report more detailed allocations of payment transactions below? If possible, please use
4. Net, authorized & settled transactions (the default selection).
3. Total authorized transactions
4. Net, authorized & settled transactions
5. Net, purchase transactions
Transactions by channel
r 7
r
Net, authorized & settled transactions = 7.a + 7.b
r
r
r
r
7.a
r
r
r
7.b
r
r
r
7.b.1
r
r
r
7.b.2
r
r
r
7.b.3
r
r
r
7.b.4
In-person transactions
Transactions the card user initiates by interacting with a physical terminal or other device
provided by the merchant or payee, usually with a card or mobile device. 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.
Remote transactions (card user not at merchant location)
= 7.b.1 + 7.b.2 + 7.b.3 + 7.b.4
Transactions for which the card user does not interact with a physical terminal or other
device provided by the merchant or payee. Typically, these include card-not-present
transactions. Also include any remote transactions classified as card-present solely
because of the level of authentication.
Mail-order/telephone-order transactions (MOTO)
Remote purchase transactions for which the merchant receives an order through
the mail or over the telephone. Card is typically charged at time of shipment or
delivery. If possible, please exclude payments on account, e.g., bill pay.
Internet purchase transactions (E-commerce)
Purchase transactions for goods and services from a merchant website or mobile
app (i.e., M-commerce). May involve varying levels of authentication including the
keyed entry of a card number, use of "card on file" information, or redirection to a
payment service. Card is typically charged at time of shipment or delivery. If
possible, please exclude payments on account, e.g., bill pay.
Bill pay: recurring/subscription/installment transactions
Payments of bills or invoices, often on a prearranged basis and may include "card
on file", based on an ongoing customer relationship. Also include payments made
on a monthly or installment basis. Examples include utility bill payments and
multiple payments for a single purchase.
Other remote transactions
Transactions that do not belong or do not have identifiers to assign into the remote
transaction categories provided above.
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of remote transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of remote transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of remote transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of remote transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of in-person transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
Please describe any significant transaction types included in the "Other remote
transactions" category above:
In-person transactions by authentication method
r 8
r
In-person transactions (repeat item 7.a) = 8.a + 8.b
r
r
r
r
r
r
r
8.a
8.a.1
Transactions with chip-authentication = 8.a.1 + 8.a.2
Transactions with a PIN
% of in-person transactions with chip-authentication
(Number)
r
r
r
8.a.2
Transactions without a PIN
Number
Value ($)
Avg. Value ($)
% of in-person transactions with chip-authentication
(Number)
Page 5 of 18
NR
NR
NR
General-Purpose Debit Card Network Payment Survey
2024 Data
Annual Data Entry
r
r
r
8.b
r
r
r
8.b.1
Transactions without chip-authentication = 8.b.1 + 8.b.2
Transactions with a PIN
Number
Value ($)
Avg. Value ($)
% of in-person transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
% of in-person transactions without chip-authentication
(Number)
r
r
r
8.b.2
r 9
r
Transactions without a PIN
Number
Value ($)
Avg. Value ($)
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
NR
In-person transactions with chip-authentication (repeat item 8.a) = 9.a + 9.b
9.a
Contact transactions (chip card inserted or "dipped")
% of in-person transactions with chip-authentication
(Number)
r
r
r
9.b
NR
% of in-person transactions without chip-authentication
(Number)
r
r
r
r
NR
Contactless transactions (chip card or mobile device RFID, "tap" or "wave")
Number
Value ($)
Avg. Value ($)
NR
NR
% of in-person transactions with chip-authentication
(Number)
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of cross-border transactions with US cards (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of cross-border transactions with US cards (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Transactions from consumer accounts
Transactions made with cards (including virtual cards) issued to a consumer for the
purpose of making consumer-related transactions.
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
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.
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Transactions by merchant or payee location
r 10
r
Net, authorized & settled transactions (repeat item 7) = 10.a + 10.b
r
r
r
r
10.a
r
r
r
10.b
r
r
r
10.b.1
r
r
r
10.b.2
Domestic transactions with US cards (merchants/payees within the US)
Cross-border transactions with US cards (merchants/payees outside the US)
= 10.b.1 + 10.b.2
In-person transactions
Remote transactions
Transactions by card user account type
r 11
r
Net, authorized & settled transactions (repeat item 7) = 11.a + 11.b
r
r
r
r
11.a
r
r
r
11.b
Page 6 of 18
General-Purpose Debit Card Network Payment Survey
2024 Data
Annual Data Entry
Transactions value distribution
r 12
r
Net, authorized & settled transactions (repeat item 7)
= 12.a + 12.b + 12.c + 12.d + 12.e + 12.f + 12.g + 12.h + 12.i
r
r
r
r
12.a
r
r
r
12.b
r
r
r
12.c
r
r
r
12.d
r
r
r
12.e
r
r
r
12.f
r
r
r
12.g
r
r
r
12.h
r
r
r
12.i
Transactions with less than $5.00 in total value
Transactions with $5.00 to $9.99 in total value
Transactions with $10.00 to $14.99 in total value
Transactions with $15.00 to $24.99 in total value
Transactions with $25.00 to $49.99 in total value
Transactions with $50.00 to $99.99 in total value
Transactions with $100.00 to $499.99 in total value
Transactions with $500.00 to $999.99 in total value
Transactions with $1000.00 or greater in total value
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
Transactions with non-US Cards
r 13
r
r
Total transactions with non-US cards
(merchants/payees within the US and not included in item 7)
Page 7 of 18
General-Purpose Debit Card Network Payment Survey
2024 Data
Annual Data Entry
Third-party fraudulent transactions
14
Please indicate if your network would be able to provide third-party fraud data.
Yes
If Yes (the default selection), please skip question 14.a below.
No
0
14.a
If No, please select all that apply.
Do not track fraud
ɛ
Not enough resources
ɛ
Data sensitivity
ɛ
Other, please specify below
ɛ
Preferred basis for reporting thirdparty fraudulent transactions
15
Some organizations may track third-party fraudulent transactions differently than payment
transactions. On which basis would you prefer to report third-party fraudulent transactions
below? If possible, please use 4. Net, authorized & settled transactions (the default selection).
3. Total authorized transactions
4. Net, authorized & settled transactions
5. Net, purchase transactions
2
r 16
r
r
r
r
r
r
r
16.a
r
r
r
16.b
r
r
r
16.c
r
r
r
16.d
r
r
r
16.e
r
r
r
16.f
Third-party fraudulent transactions (based on 4. Net, authorized & settled transactions)
= 16.a + 16.b + 16.c + 16.d + 16.e + 16.f
Include all unauthorized third-party fraudulent transactions that cleared and settled for which
funds subsequently became available to the perpetrator. Do not include fraud attempts that
were prevented before they were cleared and settled, or fraud committed by the
accountholder or other users authorized to make payments.
Lost or stolen card
Card issued but not received
Fraudulent application (account issued to someone using a fake identity)
Counterfeit card (card-present/stolen card data)
Fraudulent use of account number (card-not-present/stolen card data)
Other (including account takeover)
Number
Value ($)
Avg. Value ($)
Fraud rate (Number)
Fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
Fraud rate (Number)
Fraud rate (Value)
NR
NR
NR
NR
NR
Number
Value ($)
Avg. Value ($)
In-person transactions fraud rate (Number)
In-person transactions fraud rate (Value)
NR
NR
NR
Third-party fraudulent transactions by channel
r 17
r
Third-party fraudulent transactions (repeat item 16) = 17.a + 17.b
r
r
r
r 17.a
r
r
r
r
In-person transactions
Fraudulent transactions the card user initiates by interacting with a physical terminal or
other device provided by the merchant or payee, usually with a card or mobile device.
Also include fraudulent card-not-present transactions for which the card user is present
at the point of sale (e.g., key-entered transactions). Do not include fraudulent remote
transactions classified as card-present solely because of the level of authentication.
Page 8 of 18
General-Purpose Debit Card Network Payment Survey
2024 Data
Annual Data Entry
r 17.b
r
r
r
r
r
r
r
r
r
17.b.1
r
r
r
r
r
17.b.2
r
r
r
r
r
17.b.3
r
r
r
r
r
17.b.4
Number
Value ($)
Avg. Value ($)
Remote transactions fraud rate (Number)
Remote transactions fraud rate (Value)
NR
NR
NR
Mail-order/telephone-order transactions (MOTO)
Remote purchase transactions for which the merchant receives an order through
the mail or over the telephone. Card is typically charged at time of shipment or
delivery. If possible, please exclude payments on account, e.g., bill pay.
Number
Value ($)
Avg. Value ($)
Mail-order/telephone-order transactions fraud rate (Number)
Mail-order/telephone-order transactions fraud rate (Value)
NR
NR
NR
Internet purchase transactions (E-commerce)
Purchase transactions for goods and services from a merchant website or mobile
app (i.e., M-commerce). May involve varying levels of authentication including the
keyed entry of a card number, use of "card on file" information, or redirection to a
payment service. Card is typically charged at time of shipment or delivery. If
possible, please exclude payments on account, e.g., bill pay.
Number
Value ($)
Avg. Value ($)
Internet purchase transactions fraud rate (Number)
Internet purchase transactions fraud rate (Value)
NR
NR
NR
Bill pay: recurring/subscription/installment transactions
Payments of bills or invoices, often on a prearranged basis and may include "card
on file", based on an ongoing customer relationship. Also include payments made
on a monthly or installment basis. Examples include utility bill payments and
multiple payments for a single purchase.
Number
Value ($)
Avg. Value ($)
Bill pay fraud rate (Number)
Bill pay fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
Other remote transactions fraud rate (Number)
Other remote transactions fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
In-person transactions fraud rate (Number)
In-person transactions fraud rate (Value)
NR
NR
NR
NR
NR
Number
Value ($)
Avg. Value ($)
NR
Remote transactions (card user not at merchant location)
= 17.b.1 + 17.b.2 + 17.b.3 + 17.b.4
Fraudulent transactions for which the card user does not interact with a physical terminal
or other device provided by the merchant or payee. Typically, these include fraudulent
card-not-present transactions. Also include any fraudulent remote transactions classified
as card-present solely because of the level of authentication.
Other remote transactions
Transactions that do not belong or do not have identifiers to assign into the remote
transaction categories provided above.
Please describe any significant transaction types included in the "Other remote
transactions" category above:
Third-party fraudulent in-person transactions by authentication method
r 18
r
Third-party fraudulent in-person transactions (repeat item 17.a) = 18.a + 18.b
r
r
r
r
r
rF
18.a
Transactions with chip-authentication = 18.a.1 + 18.a.2
r
d
F
r
d
r
r
rF
18.a.1
r
d
18.a.2
NR
In-person transactions with chip-authentication fraud rate
(Value)
NR
Transactions with a PIN
r
d
F
r
r
rF
In-person transactions with chip-authentication fraud rate
(Number)
Number
Value ($)
Avg. Value ($)
NR
In-person transactions with chip-authentication and a PIN
fraud rate (Value)
NR
Transactions without a PIN
Number
Value ($)
Avg. Value ($)
r
d
F
r
d
r
r
rF
r
d
F
r
d
18.b
NR
In-person transactions with chip-authentication and a PIN
fraud rate (Number)
Transactions without chip-authentication = 18.b.1 + 18.b.2
NR
In-person transactions with chip-authentication
but without a PIN fraud rate (Number)
NR
In-person transactions with chip-authentication
but without a PIN fraud rate (Value)
NR
Number
Value ($)
Avg. Value ($)
NR
In-person transactions without chip-authentication fraud rate
(Number)
NR
In-person transactions without chip-authentication fraud rate
(Value)
NR
Page 9 of 18
General-Purpose Debit Card Network Payment Survey
2024 Data
Annual Data Entry
18.b.1
r
r
rF
Transactions with a PIN
Number
Value ($)
Avg. Value ($)
r
d
F
r
d
18.b.2
r
r
rF
Transactions without a PIN
r
d
r 19
r
r
d
19.a
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
In-person transactions with chip-authentication fraud rate
(Number)
NR
In-person transactions with chip-authentication fraud rate
(Value)
NR
Number
Value ($)
Avg. Value ($)
r
d
19.b
r
d
NR
Contact in-person transactions with chip-authentication
fraud rate (Number)
NR
Contact in-person transactions with chip-authentication
fraud rate (Value)
NR
Contactless transactions (chip card or mobile device RFID, "tap" or "wave")
r
d
F
NR
In-person transactions without chip-authentication or a PIN
fraud rate (Value)
Contact transactions (chip card inserted or "dipped")
r
d
F
r
r
rF
NR
In-person transactions without chip-authentication or a PIN
fraud rate (Number)
Third-party fraudulent in-person transactions with chip-authentication
(repeat item 18.a) = 19.a + 19.b
rF
r
d
F
r
r
rF
NR
In-person transactions without chip-authentication
but with a PIN fraud rate (Value)
Number
Value ($)
Avg. Value ($)
r
d
F
NR
In-person transactions without chip-authentication
but with a PIN fraud rate (Number)
Number
Value ($)
Avg. Value ($)
NR
Contactless in-person transactions with chip-authentication
fraud rate (Number)
NR
Contactless in-person transactions with chip-authentication
fraud rate (Value)
NR
Number
Value ($)
Avg. Value ($)
Fraud rate (Number)
Fraud rate (Value)
NR
NR
NR
NR
NR
Number
Value ($)
Avg. Value ($)
Domestic transactions with US cards fraud rate (Number)
Domestic transactions with US cards fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
Cross-border transactions with US cards fraud rate (Number)
Cross-border transactions with US cards fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
NR
Third-party fraudulent transactions by merchant or payee location
r 20
r
Third-party fraudulent transactions (repeat item 16) = 20.a + 20.b
r
r
r
r
r
r
r
r
20.a
r
r
r
r
r
20.b
r
r
rF
20.b.1
Domestic transactions with US cards (merchants/payees within the US)
Cross-border transactions with US cards (merchants/payees outside the US)
= 20.b.1 + 20.b.2
In-person transactions
r
d
F
r
d
r
r
rF
r
d
F
r
d
20.b.2
In-person cross-border transactions with US cards fraud rate
(Number)
NR
In-person cross-border transactions with US cards fraud rate
(Value)
NR
Remote transactions
Number
Value ($)
Avg. Value ($)
NR
Remote cross-border transactions with US cards fraud rate
(Number)
NR
Remote cross-border transactions with US cards fraud rate
(Value)
NR
Page 10 of 18
General-Purpose Debit Card Network Payment Survey
2024 Data
Annual Data Entry
Third-party fraudulent transactions by card user account type
r 21
r
Third-party fraudulent transactions (repeat item 16) = 21.a + 21.b
Number
Value ($)
Avg. Value ($)
Fraud rate (Number)
Fraud rate (Value)
NR
NR
NR
NR
NR
Number
Value ($)
Avg. Value ($)
Transactions from consumer accounts fraud rate (Number)
Transactions from consumer accounts fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
NR
r
r
r
r
21.a
r
r
r
r
r
r
rF
21.b
r
d
F
Transactions from consumer accounts
Fraudulent transactions made with cards (including virtual cards) issued to a consumer
for the purpose of making consumer-related transactions.
Transactions from business/government (commercial) accounts
Fraudulent transactions made with cards (including virtual cards) issued to a business or
government or its employee for the purpose of making business-related transactions.
Include corporate charge, small business, travel/entertainment, procurement, and fleet
cards.
r
d
Transactions from business/government accounts fraud rate
(Number)
NR
Transactions from business/government accounts fraud rate
(Value)
NR
Number
Value ($)
Avg. Value ($)
Fraud rate (Number)
Fraud rate (Value)
NR
NR
NR
NR
NR
Number
Value ($)
Avg. Value ($)
NR
Third-party fraudulent transactions value distribution
r 22
r
Third-party fraudulent transactions (repeat item 16)
= 22.a + 22.b + 22.c + 22.d + 22.e + 22.f + 22.g + 22.h + 22.i
r
r
r
r
r
rF
22.a
Transactions with less than $5.00 in total value
r
d
F
r
d
r
r
rF
22.b
r
d
22.c
r
d
22.d
r
d
22.e
r
d
r
d
F
r
d
22.f
NR
Transactions with $5.00 to $9.99 in total value fraud rate
(Number)
NR
Transactions with $5.00 to $9.99 in total value fraud rate
(Value)
NR
Number
Value ($)
Avg. Value ($)
NR
Transactions with $10.00 to $14.99 in total value fraud rate
(Number)
NR
Transactions with $10.00 to $14.99 in total value fraud rate
(Value)
NR
Number
Value ($)
Avg. Value ($)
NR
Transactions with $15.00 to $24.99 in total value fraud rate
(Number)
NR
Transactions with $15.00 to $24.99 in total value fraud rate
(Value)
NR
Transactions with $25.00 to $49.99 in total value
r
d
F
r
r
rF
Number
Value ($)
Avg. Value ($)
Transactions with $15.00 to $24.99 in total value
r
d
F
r
r
rF
NR
Transactions with $10.00 to $14.99 in total value
r
d
F
r
r
rF
NR
Transactions with less than $5.00 in total value fraud rate
(Value)
Transactions with $5.00 to $9.99 in total value
r
d
F
r
r
rF
Transactions with less than $5.00 in total value fraud rate
(Number)
Number
Value ($)
Avg. Value ($)
NR
Transactions with $25.00 to $49.99 in total value fraud rate
(Number)
NR
Transactions with $25.00 to $49.99 in total value fraud rate
(Value)
NR
Transactions with $50.00 to $99.99 in total value
Number
Value ($)
Avg. Value ($)
NR
Transactions with $50.00 to $99.99 in total value fraud rate
(Number)
NR
Transactions with $50.00 to $99.99 in total value fraud rate
(Value)
NR
Page 11 of 18
General-Purpose Debit Card Network Payment Survey
2024 Data
Annual Data Entry
r
r
rF
22.g
Transactions with $100.00 to $499.99 in total value
Number
Value ($)
Avg. Value ($)
r
d
F
r
d
r
r
rF
22.h
NR
Number
Value ($)
Avg. Value ($)
r
d
22.i
NR
Transactions with $100.00 to $499.99 in total value fraud rate
(Value)
Transactions with $500.00 to $999.99 in total value
r
d
F
r
r
rF
NR
Transactions with $100.00 to $499.99 in total value fraud rate
(Number)
NR
Transactions with $500.00 to $999.99 in total value fraud rate
(Number)
NR
Transactions with $500.00 to $999.99 in total value fraud rate
(Value)
NR
Transactions with $1000.00 or greater in total value
Number
Value ($)
Avg. Value ($)
r
d
F
r
d
NR
Transactions with $1000.00 or greater in total value fraud rate
(Number)
NR
Transactions with $1000.00 or greater in total value fraud rate
(Value)
NR
Third-party fraudulent transactions with non-US cards
r 23
r
r
Number
Value ($)
Avg. Value ($)
Transactions with non-US cards fraud rate (Number)
Transactions with non-US cards fraud rate (Value)
Third-party fraudulent transactions with non-US cards
(merchants/payees within the US and not included in item 16)
r
r
NR
NR
NR
Virtual cards
24
Please indicate if your organization issued or processed transactions for virtual
general-purpose debit cards during calendar year 2024.
A virtual card is a digital representation of a general-purpose debit card that does not exist in
physical form. Typically stored in a digital wallet for online, in-app, or in-person purchases with
a mobile device (using NFC or barcode scanner). Do not count individual tokenized
transactions as virtual cards.
Yes
No
Don't know
Number of cards outstanding
d 25
d
d
d
d
C
d
d
d
25.a
d
d
C
25.b
Number of active and total general-purpose debit cards outstanding
as of December 31, 2024 = 25.a + 25.b
Virtual cards (digital cards with no associated physical card)
Number of active and total general-purpose debit cards outstanding
as of December 31, 2024 (repeat item 25) = 26.a + 26.b
d
d
d
C
26.a
d
E
d
d
26.b
NR
NR
NR
NR
Active cards
Total cards
Active to total physical general-purpose debit cards outstanding
ratio
NR
% of active general-purpose debit cards outstanding
% of total general-purpose debit cards outstanding
NR
NR
Active cards
Total cards
Active to total general-purpose debit cards outstanding ratio
NR
NR
Cards for consumer accounts
d
E
d
d
d
d
C
Active cards
Total cards
Active to total virtual general-purpose debit cards outstanding
ratio
% of active general-purpose debit cards outstanding
% of total general-purpose debit cards outstanding
Physical cards
d
E
d
d
d 26
d
Active cards
Total cards
Active to total general-purpose debit cards outstanding ratio
NR
Active cards
Total cards
Active to total general-purpose debit cards outstanding
for consumer accounts ratio
NR
% of active general-purpose debit cards outstanding
% of total general-purpose debit cards outstanding
NR
NR
Cards for business/government (commercial) accounts
Active cards
Total cards
Active to total general-purpose debit cards outstanding
for business/government accounts ratio
NR
% of active general-purpose debit cards outstanding
% of total general-purpose debit cards outstanding
NR
NR
Page 12 of 18
General-Purpose Debit Card Network Payment Survey
2024 Data
Annual Data Entry
Comments:
Page 13 of 18
General-Purpose Debit Card Network Payment Survey
2024 Data
Quarterly Data Entry
Please provide quarterly allocations of your calendar year response to questions 7, 7.a, 7.b, 9, 9.a, and 9.b, repeated below.
Calendar year 2024 general-purpose debit card transactions by channel
r 7
r
r
r
r
r
r
r
r
r
r
r
r
r
r
r
r
r
r
r
r
r
7 (Q1)
7 (Q2)
7 (Q3)
7 (Q4)
7.a
7.a (Q1)
7.a (Q2)
7.a (Q3)
7.a (Q4)
7.b
Quarter 1 (Jan-Mar)
Quarter 2 (Apr-Jun)
Quarter 3 (Jul-Sep)
Quarter 4 (Oct-Dec)
In-person transactions (repeat item 7.a in Annual Data Entry)
Quarterly should sum to annual: 7.a = 7.a (Q1) + 7.a (Q2) + 7.a (Q3) + 7.a (Q4)
r
r
r
r
r
r
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual net, authorized & settled transactions (Number)
NR
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual in-person transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual in-person transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual in-person transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual in-person transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual net, authorized & settled transactions (Number)
NR
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual remote transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual in-person transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual in-person transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual in-person transactions (Number)
NR
NR
Quarter 1 (Jan-Mar)
Quarter 2 (Apr-Jun)
Quarter 3 (Jul-Sep)
Quarter 4 (Oct-Dec)
Remote transactions (card user not at merchant location)
(repeat item 7.b in Annual Data Entry)
Quarterly should sum to annual: 7.b = 7.b (Q1) + 7.b (Q2) + 7.b (Q3) + 7.b (Q4)
r
r
Number
Value ($)
Avg. Value ($)
Net, authorized & settled transactions (repeat item 7 in Annual Data Entry) = 7.a + 7.b
Quarterly should sum to annual: 7 = 7 (Q1) + 7 (Q2) + 7 (Q3) + 7 (Q4)
7.b (Q1)
7.b (Q2)
7.b (Q3)
7.b (Q4)
Quarter 1 (Jan-Mar)
Quarter 2 (Apr-Jun)
Quarter 3 (Jul-Sep)
Quarter 4 (Oct-Dec)
Return to Annual Data Entry
Page 14 of 18
General-Purpose Debit Card Network Payment Survey
2024 Data
Quarterly Data Entry
r 9
r
Number
Value ($)
Avg. Value ($)
In-person transactions with chip-authentication (repeat item 9 in Annual Data Entry)
= 9.a + 9.b
Quarterly should sum to annual: 9 = 9 (Q1) + 9 (Q2) + 9 (Q3) + 9 (Q4)
r
r
r
r
r
r
r
r
r
r
9 (Q1)
9 (Q2)
9 (Q3)
9 (Q4)
9.a
Quarter 1 (Jan-Mar)
Quarter 2 (Apr-Jun)
Quarter 3 (Jul-Sep)
Quarter 4 (Oct-Dec)
Contact transactions (chip card inserted or "dipped")
(repeat item 9.a in Annual Data Entry)
Quarterly should sum to annual: 9.a = 9.a (Q1) + 9.a (Q2) + 9.a (Q3) + 9.a (Q4)
r
r
9.a (Q1)
Number
Value ($)
Avg. Value ($)
% of annual in-person transactions with chip-authentication
(Number)
Number
Value ($)
Avg. Value ($)
% of annual in-person transactions with chip-authentication
(Number)
Number
Value ($)
Avg. Value ($)
% of annual in-person transactions with chip-authentication
(Number)
Number
Value ($)
Avg. Value ($)
% of annual in-person transactions with chip-authentication
(Number)
9.a (Q2)
9.a (Q3)
9.a (Q4)
9.b
Number
Value ($)
Avg. Value ($)
Quarter 2 (Apr-Jun)
Number
Value ($)
Avg. Value ($)
Quarter 3 (Jul-Sep)
Number
Value ($)
Avg. Value ($)
Quarter 4 (Oct-Dec)
Contactless transactions (chip card or mobile device RFID, "tap" or "wave")
(repeat item 9.b in Annual Data Entry)
Quarterly should sum to annual: 9.b = 9.b (Q1) + 9.b (Q2) + 9.b (Q3) + 9.b (Q4)
r
r
9.b (Q1)
Number
Value ($)
Avg. Value ($)
% of annual in-person transactions with chip-authentication
(Number)
Number
Value ($)
Avg. Value ($)
Quarter 1 (Jan-Mar)
% of annual contactless in-person transactions
with chip-authentication (Number)
r
r
9.b (Q2)
Number
Value ($)
Avg. Value ($)
Quarter 2 (Apr-Jun)
% of annual contactless in-person transactions
with chip-authentication (Number)
r
r
9.b (Q3)
NR
NR
NR
% of annual contact in-person transactions
with chip-authentication (Number)
r
r
NR
NR
Number
Value ($)
Avg. Value ($)
Quarter 1 (Jan-Mar)
% of annual contact in-person transactions
with chip-authentication (Number)
r
r
NR
NR
NR
NR
NR
NR
% of annual contact in-person transactions
with chip-authentication (Number)
r
r
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual in-person transactions with chip-authentication
% of annual contact in-person transactions
with chip-authentication (Number)
r
r
NR
NR
NR
Number
Value ($)
Avg. Value ($)
Quarter 3 (Jul-Sep)
% of annual contactless in-person transactions
with chip-authentication (Number)
Page 15 of 18
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
General-Purpose Debit Card Network Payment Survey
2024 Data
Quarterly Data Entry
r
r
9.b (Q4)
Number
Value ($)
Avg. Value ($)
Quarter 4 (Oct-Dec)
% of annual contactless in-person transactions
with chip-authentication (Number)
Return to Annual Data Entry
Comments:
Page 16 of 18
NR
NR
General-Purpose Debit Card Network Payment Survey
Glossary
Item
Definition
United States: The states, territories, and possessions of the US, the District of Columbia, the
Commonwealth of Puerto Rico, or any political subdivision of any of the foregoing.
Virtual cards: A virtual card is a digital representation of a general-purpose debit card that does
not exist in physical form. Typically stored in a digital wallet for online, in-app, or in-person purchases
with a mobile device (using NFC or barcode scanner). Do not count individual tokenized
transactions as virtual cards.
2a
Denials/declines: Transaction attempts that receive a denial response by the host authorization
system and do not result in an authorized transaction.
3a
Pre-authorization only: Transactions that are approved but not settled (e.g., the initial amount
which a rental agency, hotel, or fuel dispenser operator receives authorization, but final payment and
amount transfer is never made).
4
Net, authorized & settled transactions: Transactions initiated by the acquirer that are
completed with the final payment amount transferred from the acquirer to the issuer. Such
transactions include those that are subsequently reversed through a chargeback, or other adjustment
or return.
4a
Cash-back at the point of sale: Purchase transactions that include an amount of cash given
back to the card user. A point-of-sale (POS) purchase transaction with cash back is counted as one
transaction.
4b.1
Chargebacks: Transactions initiated by the issuer that reverse a transaction, in whole or in part,
and transfer value from the acquirer to the issuer (e.g., customer disputes, fraud, processing errors,
authorization issues, or non-fulfillment of copy requests). A chargeback provides the issuer with a
way to return a disputed transaction, typically on behalf of the cardholder.
4b.2
Other adjustments and returns: Transactions initiated by the acquirer that reverse a
transaction, in whole or in part, and transfer value from the acquirer to the issuer (e.g., customer
return of goods, complaints, merchant-identified fraud, duplicate transaction entry).
5
Net, purchase transactions: Transactions that have been authorized and settled. Exclude
denials, transactions that are pre-authorization only, cash advances, chargebacks, and other
adjustments and returns.
8a
Transactions with chip-authentication: In-person transactions for which the account
information is taken from a computer microchip embedded in a card or mobile device that securely
stores data to be read via contact or contactless/NFC communications with a merchant payment
device or terminal. Include EMV and all other types of chip transactions with a card or mobile device.
Report only in-person transactions.
8a.1 & 8b.1
Transactions with a PIN: In-person transactions for which a card user enters their Personal
Identification Number (PIN) to authenticate the card purchase.
8a.2 & 8b.2
Transactions without a PIN: In-person transactions for which a card user does not enter a
Personal Identification Number (PIN) to authenticate the card purchase.
Page 17 of 18
General-Purpose Debit Card Network Payment Survey
Glossary
Item
8b
Definition
Transactions without chip-authentication: In-person transactions for which the account
information is not taken from a computer microchip. Typically the information is taken from a
magstripe on a card, and may occasionally be manually keyed at the register. Report only in-person
transactions.
Contact transactions (chip card inserted or "dipped"): Transactions are initiated by
9a
inserting a card with an embedded EMV microchip into a merchant's chip-enabled terminal. The
terminal makes contact with the inserted chip for authentication.
9b
Contactless transactions (chip card or mobile device RFID, "tap" or "wave"):
Transactions are initiated by tapping a card or a mobile device with an embedded microchip at a
merchant's chip-enabled terminal. Contactless transactions typically use Radio Frequency
Identification (RFID) and/or a specialized subset of Near-field Communications (NFC) standards to
make the connection to the chip for authentication. May include some contactless EMV transactions.
12
Transaction value distribution: Your best estimate for the number and dollar value of
transactions that fall within the "dollar size bands" requested.
16a
Lost or stolen card: Fraudulent transactions via a card reported as lost or stolen.
16b
Card issued but not received: Fraudulent transactions reported to be via an intercepted new or
replacement card in transit that was activated by someone other than the cardholder.
16c
Fraudulent application: Fraudulent transactions reported to be via a new card that was issued to
someone other than the cardholder using falsified information or a stolen identity.
16d
Counterfeit card: Fraudulent in-person transactions via an altered or cloned card.
16e
Fraudulent use of account number: Fraudulent transactions using account number and other
card and cardholder details, typically remotely.
16f
Other (including account takeover): All other fraudulent transactions not included in the
above categories. In particular, "other" covers account takeover, a form of identity theft whereby an
unauthorized party gains access to and use of an existing card account.
25
Total cards: All issued, activated, and unexpired general-purpose debit cards (linked to USdomiciled accounts).
25
Active cards: General-purpose debit cards outstanding with a minimum level of purchase activity
according to your organization's definition.
25b
Physical cards: A physical general-purpose debit card with a magstripe and/or chip that is issued
to the customer for making purchases in person.
Page 18 of 18
FR 3066b
OMB No. 7100-0351
Approval expires February 29, 2028
The Federal Reserve
Payments Study
General-Purpose Prepaid Card
Network Payment Survey
Survey Period:
Calendar Year 2024
Responding to this collection is voluntary. The Federal Reserve may not conduct or sponsor, and an organization is not required to respond
to, a collection of information unless it displays a currently valid OMB control number. 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.
Page 1 of 18
Networks, Processors, and Issuers Payments Surveys (NPIPS)
General-Purpose Prepaid Card Network Payment Survey
Instructions
About this survey
This survey, part of the NPIPS, covers general-purpose prepaid card network transactions for calendar year 2024 (CY 2024). Allocations of
transactions are requested for several category types, including transactions classified as fraudulent by an unauthorized third party. Counts of
the number of active and total cards (including both physical and virtual cards) carrying your organization's network brand that are issued and
outstanding are also requested.
About the study
This survey and other NPIPS surveys are part of the Federal Reserve Payments Study (FRPS), which is conducted by the Federal Reserve
Bank of Atlanta and the Federal Reserve Board. Your response will be used in combination with peer responses to estimate national
aggregate volumes for CY2024. Aggregate results will be compared to those of previous studies to track changes and identify trends in US
payments.
Confidentiality
Any data 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. If your organization outsourced payments
processing to another organization during CY2024, please request the necessary data from that organization or provide them with the
survey so they may respond on behalf of your organization.
>> Please respond by: June 13, 2025 <<
Data entry
Please enter annual data for CY2024 in the Annual Data Entry tab (i.e., worksheet). Please enter quarterly data for items highlighted in
orange in the Quarterly Data Entry tab. If estimated amounts rather than actual amounts are reported for any item(s), please explain in the
comments field at the bottom of the tab. By default, tabs are protected and only cells needed for data entry are unlocked.
Example
1. Direct data entry (light blue boxes). For numeric data, key in the actual number or dollar amount.
Note: Items left blank can be difficult to interpret and may generate follow-up questions. If a positive amount cannot be provided, please
consider entering one of these alternatives:
* Enter "0" if the requested item is known to be zero. (This is appropriate for items that are not applicable to your organization.)
* Enter "NR" (not reported/not reportable) if the requested item is known to be nonzero but cannot be reported.
Example
2. Automatic entry of calculations or repeated figures (dark blue box). Cells are protected, but different amounts may be entered into the
override cells to the right (yellow box), if necessary. Only positive numeric amounts are valid for override cells.
Override
NR
(Automatic entry cells display "NR" until required information is provided.)
Example
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
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
Unexpected condition flags
As you fill out the survey, flags may be raised describing the results of simple arithmetic comparisons. These are intended to help you identify
potential mistakes and, if appropriate, correct them. However, it may not always be appropriate to revise data when flags are raised, and you
may choose to leave your response data as is. If that happens, please provide feedback and explanations in the comments field at the bottom
of each tab. Your comments may help us understand your data and avoid the need for follow up.
Conditions that can raise a flag include:
1. Logical inconsistencies: These check for essential arithmetical relationships among items based on survey definitions and structure.
They include adding-up conditions for items and their sub-items, pairing of zeros with nonzeros, and entry of NR when a known amount is
implied by other reported item amounts.
Examples
Item in Q3 is not equal to the sum of subitems: Q3 > Q3.a + Q3.b.
Inconsistent pair: Q3 Balance ($) cannot be 0 if Q3 Number is nonzero.
Item should be reportable if all related items (Q2, Q2.b) are reported.
Note: Leaving items blank will not throw flags. However, consistency problems may still exist when the amount is left blank but is implied
by other related item amounts. Such cases can be checked by entering NR when an item is not reported/not reportable. If possible, please
review your survey workbooks for any blank data-entry cells and replace them before submitting.
2. Exceeding set boundaries: These compare against lower and upper boundaries for averages and ratios. The boundaries are intended to
allow a wide range, but may not be appropriate for your organization.
Glossary
Definitions for selected terms can be found in the Glossary tab.
Page 2 of 18
Example
This average value is unusually low.
Networks, Processors, and Issuers Payments Surveys (NPIPS)
General-Purpose Prepaid Card Network Payment Survey
Instructions
Submitting the completed survey
Submitted via Intralinks:
Please have your organization's Study Coordinator that established access to an Intralinks account submit this and any other survey
workbooks.
To submit your completed survey, log in to your organization's Intralinks account where you will see a folder labeled with a unique numeric
identifier assigned to your organization. Within this folder are two subfolders – one for submitting your data and the other for retrieving data
that we may send you. Locate the Submit Data folder, and upload your completed survey workbooks on the encrypted Intralinks platform.
Once we receive notification of your submission, acknowledgement of receipt will be sent to you from [email protected].
Questions?
If you have questions about the survey content or need assistance with the submission process, please contact the Federal Reserve
Payments Study team at www.paymentsstudy.com.
Comments
Please provide any feedback and suggestions about the survey or submission process in the box below:
Page 3 of 18
General-Purpose Prepaid Card Network Payment Survey
2024 Data
Annual Data Entry
Please report data on general-purpose prepaid card transactions and related information for calendar year 2024. Responding completely and accurately will help
ensure accuracy of the aggregate estimates.
Include:
* Only prepaid cards and transactions carrying your organization's network brand
* All domestic and cross-border transactions associated with US-domiciled prepaid card program accounts
* Physical or virtual prepaid cards
Please leave no item blank.
* Enter "0" if an item is zero
* Enter "NR" if an item is nonzero
but cannot be reported
Do not include:
* Original credit transactions (OCTs) or push payment credits
* Transactions processed by your organization but carrying another organization's network brand
* Credit card, non-prepaid debit card, or private-label (closed loop) transactions
* Non-network transactions
* Electronic benefits transfer (EBT) card transactions
* ATM transactions
* Transactions originated from foreign accounts (except for questions 13 and 24)
Quarterly data are also requested for items shaded orange and should be entered in the separate sheet provided.
Definitions for selected terms can be found in the Glossary tab.
Calendar year 2024 general-purpose prepaid card transactions
T
1
rT
r
r
T
rT
r
r
Total transactions
1.a
T
2
r
T
r
r
T
r
T
r
r
Total authorized transactions = 1 - 1.a
2.a
T
3
r
T
r
r
T
r
T
r
r
T
rT
r
r
T
r
T
r
r
T
r
T
r
r
T
4
r
T
rT
r
Denials (authorization declined)
Pre-authorization only (authorized but not settled)
Net, authorized & settled transactions = 2 - 2.a
3.a
3.b
3.b.1
3.b.2
Cash-back at the point of sale
Adjustments and returns = 3.b.1 + 3.b.2
Chargebacks (issuer initiated)
Other adjustments and returns (acquirer initiated)
Net, purchase transactions
= 3 - 3.b for Number, = 3 - 3.a - 3.b 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.
Page 4 of 18
Number
Value ($)
Avg. Value ($)
NR
Number
Value ($)
Avg. Value ($)
% of total transaction (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of total authorized transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of adjustments and returns (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% adjustments and returns (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% net, authorized & setteled transactions (Number)
NR
NR
NR
NR
General-Purpose Prepaid Card Network Payment Survey
2024 Data
Annual Data Entry
Preferred basis for reporting
payment transactions
Among the different subtotals of payment transactions listed above, which would you
prefer to use to report more detailed allocations of payment transactions below? If
possible, please use 3. Net, authorized & settled transactions (the default selection).
5
2. Total authorized transactions
3. Net, authorized & settled transactions
4. Net, purchase transactions
Transactions by channel
r 6
r
Net, authorized & settled transactions = 6.a + 6.b
Number
Value ($)
Avg. Value ($)
NR
NR
NR
In-person transactions
Transactions the card user initiates by interacting with a physical terminal or other
device provided by the merchant or payee, usually with a card or mobile device. 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.
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Remote transactions (card user not at merchant location)
= 6.b.1 + 6.b.2 + 6.b.3 + 6.b.4
Transactions for which the card user does not interact with a physical terminal or other
device provided by the merchant or payee. Typically, these include card-not-present
transactions. Also include any remote transactions classified as card-present solely
because of the level of authentication.
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Mail-order/telephone-order transactions (MOTO)
Remote purchase transactions for which the merchant receives an order through
the mail or over the telephone. Card is typically charged at time of shipment or
delivery. If possible, please exclude payments on account, e.g., bill pay.
Number
Value ($)
Avg. Value ($)
% of remote transactions (Number)
NR
NR
Internet purchase transactions (E-commerce)
Purchase transactions for goods and services from a merchant website or mobile
app (i.e., M-commerce). May involve varying levels of authentication including the
keyed entry of a card number, use of "card on file" information, or redirection to a
payment service. Card is typically charged at time of shipment or delivery. If
possible, please exclude payments on account, e.g., bill pay.
Number
Value ($)
Avg. Value ($)
% of remote transactions (Number)
NR
NR
Bill pay: recurring/subscription/installment transactions
Payments of bills or invoices, often on a prearranged basis and may include "card
on file", based on an ongoing customer relationship. Also include payments made
on a monthly or installment basis. Examples include utility bill payments and
multiple payments for a single purchase.
Number
Value ($)
Avg. Value ($)
% of remote transactions (Number)
NR
NR
Other remote transactions
Transactions that do not belong or do not have identifiers to assign into the remote
transaction categories provided above.
Number
Value ($)
Avg. Value ($)
% of remote transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of in-person transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
r
r
r
T
r
T
rT
rT
r
T
rT
r
T
r
T
r
T
rT
r
T
r
T
rT
r
T
r
T
rT
r
6.a
6.b
6.b.1
6.b.2
6.b.3
6.b.4
Please describe any significant transaction types included in the "Other remote
transactions" category above:
In-person transactions by authentication method
T
7
rT
rT
r
T
r
T
rT
r
T
r
T
rT
r
T
r
T
rT
r
T
r
T
rT
r
In-person transactions (repeat item 6.a) = 7.a + 7.b
7.a
7.a.1
Transactions with chip-authentication = 7.a.1 + 7.a.2
Transactions with a PIN
% of in-person transactions with chip-authentication
(Number)
7.a.2
Transactions without a PIN
Number
Value ($)
Avg. Value ($)
% of in-person transactions with chip-authentication
(Number)
7.b
Transactions without chip-authentication = 7.b.1 + 7.b.2
Number
Value ($)
Avg. Value ($)
% of in-person transactions (Number)
Page 5 of 18
NR
NR
NR
NR
NR
General-Purpose Prepaid Card Network Payment Survey
2024 Data
Annual Data Entry
T
r
T
rT
r
7.b.1
7.b.2
T
8
r
T
rT
r
T
rT
rT
r
Number
Value ($)
Avg. Value ($)
% of in-person transactions without chip-authentication
(Number)
T
rT
rT
r
T
r
T
rT
r
Transactions with a PIN
8.a
Transactions without a PIN
Number
Value ($)
Avg. Value ($)
NR
NR
% of in-person transactions without chip-authentication
(Number)
NR
In-person transactions with chip-authentication (repeat item 7.a)
= 8.a + 8.b
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Contact transactions (chip card inserted or "dipped")
Number
Value ($)
Avg. Value ($)
NR
% of in-person transactions with chip-authentication
(Number)
8.b
NR
Contactless transactions (chip card or mobile device RFID, "tap" or "wave")
Number
Value ($)
Avg. Value ($)
NR
NR
% of in-person transactions with chip-authentication
(Number)
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of cross-border transactions with US cards (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of cross-border transactions with US cards (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
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.
Number
Value ($)
Avg. Value ($)
% of transactions from consumer accounts (Number)
NR
NR
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/HSA 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 consumerrelated transactions.
Number
Value ($)
Avg. Value ($)
% of transactions from consumer accounts (Number)
NR
NR
Transactions by merchant or payee location
T
9
rT
r
T
r
Net, authorized & settled transactions (repeat item 6) = 9.a + 9.b
T
9.a
r
T
rT
r
T
r
T
rT
r
Domestic transactions with US cards (merchants/payees within the US)
9.b
T
r
T
rT
r
9.b.1
T
rT
rT
r
9.b.2
Cross-border transactions with US cards (merchants/payees outside the US)
= 9.b.1 + 9.b.2
In-person transactions
Remote transactions
Transactions by card user account type
T
10
r
T
rT
r
T
r
T
rT
r
T
rT
rT
r
T
r
T
rT
r
Net, authorized & settled transactions (repeat item 6) = 10.a + 10.b
10.a
10.a.1
10.a.2
Transactions from consumer accounts = 10.a.1 + 10.a.2
Transactions made with cards (including virtual cards) issued to a consumer for the
purpose of making consumer-related transactions.
Page 6 of 18
General-Purpose Prepaid Card Network Payment Survey
2024 Data
Annual Data Entry
T
r
T
rT
r
10.b
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.
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
Transactions with reloadable or non-reloadable cards
T
11
rT
rT
r
T
r
T
rT
r
T
r
T
rT
r
11.a
11.b
Net, authorized & settled transactions (repeat item 6) = 11.a + 11.b
Transactions with reloadable cards
Transactions with non-reloadable cards
Transactions value distribution
T
12
r
T
rT
r
T
r
T
rT
r
T
r
T
rT
r
T
r
T
rT
r
T
rT
rT
r
T
r
T
rT
r
T
r
T
rT
r
T
r
T
rT
r
T
r
T
rT
r
T
rT
rT
r
12.a
12.b
12.c
12.d
12.e
12.f
12.g
12.h
12.i
Net, authorized & settled transactions (repeat item 6)
= 12.a + 12.b + 12.c + 12.d + 12.e + 12.f + 12.g + 12.h + 12.i
Transactions with less than $5.00 in total value
Transactions with $5.00 to $9.99 in total value
Transactions with $10.00 to $14.99 in total value
Transactions with $15.00 to $24.99 in total value
Transactions with $25.00 to $49.99 in total value
Transactions with $50.00 to $99.99 in total value
Transactions with $100.00 to $499.99 in total value
Transactions with $500.00 to $999.99 in total value
Transactions with $1000.00 or greater in total value
Transactions with non-US Cards
T
13
r
T
rT
r
Total transactions with non-US cards
(merchants/payees within the US and not included in item 6)
Page 7 of 18
General-Purpose Prepaid Card Network Payment Survey
2024 Data
Annual Data Entry
Third-party fraudulent transactions
14
14.a
Please indicate if your network would be able to provide third-party fraud data.
If Yes (the default selection), please skip question 14.a below.
Yes
No
If No, please select all that apply.
Do not track fraud
FALSE
Not enough resources
FALSE
Data sensitivity
FALSE
Other, please specify below
FALSE
Preferred basis for reporting thirdparty fraudulent transactions
15
Some organizations may track third-party fraudulent transactions differently than payment
transactions. On which basis would you prefer to report third-party fraudulent transactions
below? If possible, please use 3 . Net, authorized & settled transactions (the default selection).
2. Total authorized transactions
3. Net, authorized & settled transactions
4. Net, purchase transactions
F
16
r
F
rF
rF
rF
r
F
rF
rF
r
F
r
F
rF
r
F
r
F
rF
r
F
r
F
rF
r
F
r
F
rF
r
F
rF
rF
r
16.a
16.b
16.c
16.d
16.e
16.f
Third-party fraudulent transactions (based on 3. Net, authorized & settled transactions)
= 16.a + 16.b + 16.c + 16.d + 16.e + 16.f
Include all unauthorized third-party fraudulent transactions that cleared and settled for which
funds subsequently became available to the perpetrator. Do not include fraud attempts that
were prevented before they were cleared and settled, or fraud committed by the
accountholder or other users authorized to make payments.
Lost or stolen card
Card issued but not received
Fraudulent application (account issued to someone using a fake identity)
Counterfeit card (card-present/stolen card data)
Fraudulent use of account number (card-not-present/stolen card data)
Other (including account takeover)
Number
Value ($)
Avg. Value ($)
Fraud rate (Number)
Fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
Fraud rate (Number)
Fraud rate (Value)
NR
NR
NR
NR
NR
Number
Value ($)
Avg. Value ($)
In-person transactions fraud rate (Number)
In-person transactions fraud rate (Value)
NR
NR
NR
Third-party fraudulent transactions by channel
F
17
r
F
rF
rF
rF
r
F
rF
rF
rF
rF
r
17.a
Third-party fraudulent transactions (repeat item 16) = 17.a + 17.b
In-person transactions
Fraudulent transactions the card user initiates by interacting with a physical terminal or
other device provided by the merchant or payee, usually with a card or mobile device.
Also include fraudulent card-not-present transactions for which the card user is present
at the point of sale (e.g., key-entered transactions). Do not include fraudulent remote
transactions classified as card-present solely because of the level of authentication.
Page 8 of 18
General-Purpose Prepaid Card Network Payment Survey
2024 Data
Annual Data Entry
F
r
F
rF
rF
rF
r
17.b
F
rF
rF
rF
rF
r
17.b.1
F
rF
r
F
rF
rF
r
17.b.2
F
r
F
rF
rF
rF
r
17.b.3
F
r
F
rF
rF
rF
r
17.b.4
Number
Value ($)
Avg. Value ($)
Remote transactions fraud rate (Number)
Remote transactions fraud rate (Value)
NR
NR
NR
Mail-order/telephone-order transactions (MOTO)
Remote purchase transactions for which the merchant receives an order through
the mail or over the telephone. Card is typically charged at time of shipment or
delivery. If possible, please exclude payments on account, e.g., bill pay.
Number
Value ($)
Avg. Value ($)
Mail-order/telephone-order transactions fraud rate (Number)
Mail-order/telephone-order transactions fraud rate (Value)
NR
NR
NR
Internet purchase transactions (E-commerce)
Purchase transactions for goods and services from a merchant website or mobile
app (i.e., M-commerce). May involve varying levels of authentication including the
keyed entry of a card number, use of "card on file" information, or redirection to a
payment service. Card is typically charged at time of shipment or delivery. If
possible, please exclude payments on account, e.g., bill pay.
Number
Value ($)
Avg. Value ($)
Internet purchase transactions fraud rate (Number)
Internet purchase transactions fraud rate (Value)
NR
NR
NR
Bill pay: recurring/subscription/installment transactions
Payments of bills or invoices, often on a prearranged basis and may include "card
on file", based on an ongoing customer relationship. Also include payments made
on a monthly or installment basis. Examples include utility bill payments and
multiple payments for a single purchase.
Number
Value ($)
Avg. Value ($)
Bill pay fraud rate (Number)
Bill pay fraud rate (Value)
NR
NR
NR
Other remote transactions
Transactions that do not belong or do not have identifiers to assign into the remote
transaction categories provided above.
Number
Value ($)
Avg. Value ($)
Other remote transactions fraud rate (Number)
Other remote transactions fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
In-person transactions fraud rate (Number)
In-person transactions fraud rate (Value)
NR
NR
NR
NR
NR
Number
Value ($)
Avg. Value ($)
NR
Remote transactions (card user not at merchant location)
= 17.b.1 + 17.b.2 + 17.b.3 + 17.b.4
Fraudulent transactions for which the card user does not interact with a physical terminal
or other device provided by the merchant or payee. Typically, these include fraudulent
card-not-present transactions. Also include any fraudulent remote transactions classified
as card-present solely because of the level of authentication.
Please describe any significant transaction types included in the "Other remote
transactions" category above:
Third-party fraudulent in-person transactions by authentication method
F
18
rF
rF
rF
rF
r
F
r
F
rF
rF
Third-party fraudulent in-person transactions (repeat item 17.a) = 18.a + 18.b
18.a
Transactions with chip-authentication = 18.a.1 + 18.a.2
r
d
F
r
d
F
r
F
rF
rF
18.a.1
18.a.2
NR
In-person transactions with chip-authentication fraud rate
(Value)
NR
Transactions with a PIN
r
d
F
r
d
F
r
F
rF
rF
In-person transactions with chip-authentication fraud rate
(Number)
Number
Value ($)
Avg. Value ($)
NR
In-person transactions with chip-authentication and a PIN
fraud rate (Value)
NR
Transactions without a PIN
Number
Value ($)
Avg. Value ($)
r
d
F
r
d
F
r
F
rF
rF
r
d
F
r
d
18.b
NR
In-person transactions with chip-authentication and a PIN
fraud rate (Number)
Transactions without chip-authentication = 18.b.1 + 18.b.2
NR
In-person transactions with chip-authentication
but without a PIN fraud rate (Number)
NR
In-person transactions with chip-authentication
but without a PIN fraud rate (Value)
NR
Number
Value ($)
Avg. Value ($)
NR
In-person transactions without chip-authentication fraud rate
(Number)
NR
In-person transactions without chip-authentication fraud rate
(Value)
NR
Page 9 of 18
General-Purpose Prepaid Card Network Payment Survey
2024 Data
Annual Data Entry
F
r
F
rF
rF
18.b.1
Transactions with a PIN
Number
Value ($)
Avg. Value ($)
r
d
F
r
d
F
r
F
rF
rF
18.b.2
Transactions without a PIN
F
19
rF
rF
rF
19.a
19.b
NR
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
In-person transactions with chip-authentication fraud rate
(Number)
NR
In-person transactions with chip-authentication fraud rate
(Value)
NR
Number
Value ($)
Avg. Value ($)
NR
Contact in-person transactions with chip-authentication
fraud rate (Number)
NR
Contact in-person transactions with chip-authentication
fraud rate (Value)
NR
Contactless transactions (chip card or mobile device RFID, "tap" or "wave")
r
d
F
r
d
NR
In-person transactions without chip-authentication or a PIN
fraud rate (Value)
Contact transactions (chip card inserted or "dipped")
r
d
F
r
d
F
r
F
rF
rF
In-person transactions without chip-authentication
but with a PIN fraud rate (Value)
In-person transactions without chip-authentication or a PIN
fraud rate (Number)
Third-party fraudulent in-person transactions with chip-authentication
(repeat item 18.a) = 19.a + 19.b
r
d
F
r
d
F
r
F
rF
rF
NR
Number
Value ($)
Avg. Value ($)
r
d
F
r
d
NR
In-person transactions without chip-authentication
but with a PIN fraud rate (Number)
Number
Value ($)
Avg. Value ($)
NR
Contactless in-person transactions with chip-authentication
fraud rate (Number)
NR
Contactless in-person transactions with chip-authentication
fraud rate (Value)
NR
Number
Value ($)
Avg. Value ($)
Fraud rate (Number)
Fraud rate (Value)
NR
NR
NR
NR
NR
Number
Value ($)
Avg. Value ($)
Domestic transactions with US cards fraud rate (Number)
Domestic transactions with US cards fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
Cross-border transactions with US cards fraud rate (Number)
Cross-border transactions with US cards fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
NR
Third-party fraudulent transactions by merchant or payee location
F
20
rF
rF
rF
r
F
r
F
r
F
rF
rF
rF
r
F
r
F
rF
rF
rF
r
F
r
F
rF
rF
Third-party fraudulent transactions (repeat item 16) = 20.a + 20.b
20.a
20.b
20.b.1
Domestic transactions with US cards (merchants/payees within the US)
Cross-border transactions with US cards (merchants/payees outside the US)
= 20.b.1 + 20.b.2
In-person transactions
r
d
F
r
d
F
r
F
rF
rF
r
d
F
r
d
20.b.2
In-person cross-border transactions with US cards fraud rate
(Number)
NR
In-person cross-border transactions with US cards fraud rate
(Value)
NR
Remote transactions
Number
Value ($)
Avg. Value ($)
NR
Remote cross-border transactions with US cards fraud rate
(Number)
NR
Remote cross-border transactions with US cards fraud rate
(Value)
NR
Page 10 of 18
General-Purpose Prepaid Card Network Payment Survey
2024 Data
Annual Data Entry
Third-party fraudulent transactions by card user account type
F
21
rF
rF
rF
r
F
r
F
r
F
rF
rF
rF
r
Third-party fraudulent transactions (repeat item 16) = 21.a + 21.b
21.a
F
r
F
rF
rF
21.a.1
r
d
F
Transactions from consumer accounts = 21.a.1 + 21.a.2
Fraudulent transactions made with cards (including virtual cards) issued to a consumer
for the purpose of making consumer-related transactions.
Transactions with government-administered general-purpose cards
Fraudulent transactions made with cards (including virtual cards) issued to a
consumer for the purpose of providing government benefits. Include state and
federal programs with cash benefits such as unemployment, TANF, or Social
Security.
r
d
F
rF
r
F
rF
21.a.2
r
d
F
r
d
F
r
F
rF
rF
21.b
r
d
F
Transactions from other consumer accounts (including business-sponsored
payroll)
Fraudulent transactions made with cards (including virtual cards) issued to a
consumer including reloadable and non-reloadable gift cards, FSA/HSA medical
cards, customer refund and incentive cards, and business-sponsored payroll
cards which are issued to employees for the purpose of paying them and/or
making consumer-related transactions.
Transactions from business/government (commercial) accounts
Fraudulent transactions made with cards (including virtual cards) issued to a business or
government or its employee for the purpose of making business-related transactions.
Include corporate charge, small business, travel/entertainment, procurement, and fleet
cards.
r
d
Number
Value ($)
Avg. Value ($)
Fraud rate (Number)
Fraud rate (Value)
NR
NR
NR
NR
NR
Number
Value ($)
Avg. Value ($)
Transactions from consumer accounts fraud rate (Number)
Transactions from consumer accounts fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
NR
Transactions from consumer accounts with governmentadministered general-purpose cards fraud rate (Number)
NR
Transactions from consumer accounts with governmentadministered general-purpose cards fraud rate (Value)
NR
Number
Value ($)
Avg. Value ($)
NR
Transactions from other consumer accounts fraud rate
(Number)
NR
Transactions from other consumer accounts fraud rate
(Value)
NR
Number
Value ($)
Avg. Value ($)
NR
Transactions from business/government accounts fraud rate
(Number)
NR
Transactions from business/government accounts fraud rate
(Value)
NR
Third-party fraudulent transactions with reloadable or non-reloadable cards
F
22
rF
rF
rF
rF
r
F
r
F
rF
rF
rF
r
F
r
F
rF
rF
rF
r
22.a
22.b
Third-party fraudulent transactions (repeat item 16) = 22.a + 22.b
Transactions with reloadable cards
Transactions with non-reloadable cards
Number
Value ($)
Avg. Value ($)
Fraud rate (Number)
Fraud rate (Value)
NR
NR
NR
NR
NR
Number
Value ($)
Avg. Value ($)
Transactions with reloadable cards fraud rate (Number)
Transactions with reloadable cards fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
Transactions with non-reloadable cards fraud rate (Number)
Transactions with non-reloadable cards fraud rate (Value)
NR
NR
NR
Page 11 of 18
General-Purpose Prepaid Card Network Payment Survey
2024 Data
Annual Data Entry
Third-party fraudulent transactions value distribution
F
23
rF
rF
rF
r
F
r
F
r
F
rF
rF
23.a
Third-party fraudulent transactions (repeat item 16)
= 23.a + 23.b + 23.c + 23.d + 23.e + 23.f + 23.g + 23.h + 23.i
Transactions with less than $5.00 in total value
r
d
F
r
d
F
rF
rF
rF
23.b
r
d
F
r
F
rF
rF
23.c
r
d
F
rF
r
F
rF
23.d
r
d
F
r
F
rF
rF
23.e
r
d
F
r
F
rF
rF
23.f
r
d
23.g
r
d
23.h
r
d
F
r
F
rF
rF
r
d
F
r
d
23.i
NR
Transactions with $5.00 to $9.99 in total value fraud rate
(Value)
NR
Number
Value ($)
Avg. Value ($)
NR
Transactions with $10.00 to $14.99 in total value fraud rate
(Number)
NR
Transactions with $10.00 to $14.99 in total value fraud rate
(Value)
NR
Number
Value ($)
Avg. Value ($)
NR
Transactions with $15.00 to $24.99 in total value fraud rate
(Number)
NR
Transactions with $15.00 to $24.99 in total value fraud rate
(Value)
NR
Number
Value ($)
Avg. Value ($)
NR
Transactions with $25.00 to $49.99 in total value fraud rate
(Number)
NR
Transactions with $25.00 to $49.99 in total value fraud rate
(Value)
NR
Number
Value ($)
Avg. Value ($)
NR
Transactions with $50.00 to $99.99 in total value fraud rate
(Number)
NR
Transactions with $50.00 to $99.99 in total value fraud rate
(Value)
NR
Number
Value ($)
Avg. Value ($)
NR
Transactions with $100.00 to $499.99 in total value fraud rate
(Number)
NR
Transactions with $100.00 to $499.99 in total value fraud rate
(Value)
NR
Transactions with $500.00 to $999.99 in total value
r
d
F
NR
Transactions with $5.00 to $9.99 in total value fraud rate
(Number)
Transactions with $100.00 to $499.99 in total value
r
d
F
F
r
F
rF
rF
Number
Value ($)
Avg. Value ($)
Transactions with $50.00 to $99.99 in total value
r
d
F
F
rF
rF
rF
NR
Transactions with $25.00 to $49.99 in total value
r
d
F
NR
NR
Transactions with $15.00 to $24.99 in total value
r
d
F
Number
Value ($)
Avg. Value ($)
Transactions with less than $5.00 in total value fraud rate
(Value)
Transactions with $10.00 to $14.99 in total value
r
d
F
NR
NR
NR
NR
NR
Transactions with less than $5.00 in total value fraud rate
(Number)
Transactions with $5.00 to $9.99 in total value
r
d
F
Number
Value ($)
Avg. Value ($)
Fraud rate (Number)
Fraud rate (Value)
Number
Value ($)
Avg. Value ($)
NR
Transactions with $500.00 to $999.99 in total value fraud rate
(Number)
NR
Transactions with $500.00 to $999.99 in total value fraud rate
(Value)
NR
Transactions with $1000.00 or greater in total value
Number
Value ($)
Avg. Value ($)
NR
Transactions with $1000.00 or greater in total value fraud rate
(Number)
NR
Transactions with $1000.00 or greater in total value fraud rate
(Value)
NR
Page 12 of 18
General-Purpose Prepaid Card Network Payment Survey
2024 Data
Annual Data Entry
Third-party fraudulent transactions with non-US cards
F
24
rF
rF
rF
r
F
r
Number
Value ($)
Avg. Value ($)
Transactions with non-US cards fraud rate (Number)
Transactions with non-US cards fraud rate (Value)
Third-party fraudulent transactions with non-US cards
(merchants/payees within the US and not included in item 16)
NR
NR
NR
Virtual cards
25
Please indicate if your organization issued or processed transactions for virtual
general-purpose prepaid cards during calendar year 2024.
A virtual card is a digital representation of a general-purpose prepaid card that does not exist
in physical form. Typically stored in a digital wallet for online, in-app, or in-person purchases
with a mobile device (using NFC or barcode scanner). Do not count individual tokenized
transactions as virtual cards.
Yes
No
Don't know
1
1
Number of cards outstanding
C
26
d
C
d
C
Active to total general-purpose prepaid cards outstanding
ratio
d
E
C
d
C
d
C
26.a
d
C
d
26.b
d
C
d
C
27
d
C
d
C
27.a
d
C
d
27.b
NR
NR
Active cards
Total cards
Active to total physical general-purpose prepaid cards
outstanding ratio
NR
% of active general-purpose prepaid cards outstanding
% of total general-purpose prepaid cards outstanding
NR
NR
Active cards
Total cards
NR
NR
Active to total general-purpose prepaid cards outstanding
ratio
NR
Active cards
Total cards
Cards for consumer accounts
d
E
C
C
d
C
d
C
NR
% of active general-purpose prepaid cards outstanding
% of total general-purpose prepaid cards outstanding
Number of active and total general-purpose prepaid cards outstanding
as of December 31, 2024 (repeat item 26) = 27.a + 27.b
d
E
C
d
C
d
C
Active to total virtual general-purpose prepaid cards outstanding
ratio
Physical cards
d
E
C
Active to total general-purpose prepaid cards outstanding
for consumer accounts ratio
NR
% of active general-purpose prepaid cards outstanding
% of total general-purpose prepaid cards outstanding
NR
NR
Active cards
Total cards
Cards for business/government (commercial) accounts
d
E
C
d
C
d
NR
Active cards
Total cards
Virtual cards (digital cards with no associated physical card)
d
E
C
C
d
C
d
C
Active cards
Total cards
Number of active and total general-purpose prepaid cards outstanding
as of December 31, 2024 = 26.a + 26.b
Active to total general-purpose prepaid cards outstanding
for business/government accounts ratio
NR
% of active general-purpose prepaid cards outstanding
% of total general-purpose prepaid cards outstanding
NR
NR
Comments:
Page 13 of 18
General-Purpose Prepaid Card Network Payment Survey
2024 Data
Quarterly Data Entry
Please provide quarterly allocations of your calendar year response to questions 6, 6.a, 6.b, 8, 8.a, and 8.b, repeated below.
Calendar year 2024 general-purpose prepaid card transactions by channel
Tr6
TrnQ_Val
X3A0T
Tr 6 (Q1)
TrnQ1_Val
Tr 6 (Q2)
TrnQ2_Val
Tr 6 (Q3)
TrnQ3_Val
Tr 6 (Q4)
TrnQ4_Val
Tr 6.a
TrnPprQ_Val
6.a (Q1)
Tr
TrnPprQ1_Val
6.a (Q2)
Tr
TrnPprQ2_Val
6.a (Q3)
Tr
TrnPprQ3_Val
6.a (Q4)
Tr
TrnPprQ4_Val
Tr 6.b
TrnRmtQ_Val
Quarter 1 (Jan-Mar)
Quarter 2 (Apr-Jun)
Quarter 3 (Jul-Sep)
Quarter 4 (Oct-Dec)
In-person transactions (repeat item 6.a in Annual Data Entry)
Quarterly should sum to annual: 6.a = 6.a (Q1) + 6.a (Q2) + 6.a (Q3) + 6.a (Q4)
6.b (Q2)
Tr
TrnRmtQ2_Val
6.b (Q3)
Tr
TrnRmtQ3_Val
6.b (Q4)
Tr
TrnRmtQ4_Val
Number
Value ($)
Avg. Value ($)
% of annual net, authorized & settled transactions (Number)
X3A1T
NR
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual net, authorized & settled transactions (Number)
NR
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual in-person transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual in-person transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual in-person transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual in-person transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual net, authorized & settled transactions (Number)
NR
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual remote transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual remote transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual remote transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual remote transactions (Number)
NR
NR
Quarter 2 (Apr-Jun)
Quarter 3 (Jul-Sep)
Quarter 4 (Oct-Dec)
Remote transactions (card user not at merchant location)
(repeat item 6.b in Annual Data Entry)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of annual net, authorized & settled transactions (Number)
Quarter 1 (Jan-Mar)
Quarterly should sum to annual: 6.b = 6.b (Q1) + 6.b (Q2) + 6.b (Q3) + 6.b (Q4)
6.b (Q1)
Tr
TrnRmtQ1_Val
Number
Value ($)
Avg. Value ($)
Net, authorized & settled transactions (repeat item 6 in Annual Data Entry) = 6.a + 6.b
Quarterly should sum to annual: 6 = 6 (Q1) + 6 (Q2) + 6 (Q3) + 6 (Q4)
Quarter 1 (Jan-Mar)
Quarter 2 (Apr-Jun)
Quarter 3 (Jul-Sep)
Quarter 4 (Oct-Dec)
Return to Annual Data Entry
Page 14 of 18
General-Purpose Prepaid Card Network Payment Survey
2024 Data
Quarterly Data Entry
Tr 8
In-person transactions with chip-authentication (repeat item 8 in Annual Data Entry)
TrnPprChipReptQ= 8.a + 8.b
Quarterly should sum to annual: 8 = 8 (Q1) + 8 (Q2) + 8 (Q3) + 8 (Q4)
Number
Value ($)
Avg. Value ($)
Number
Value ($)
Avg. Value ($)
% of annual in-person transactions with chip-authentication
(Number)
Tr 8 (Q1)
Quarter 1 (Jan-Mar)
TrnPprChipReptQ1_Val
Number
Value ($)
Avg. Value ($)
% of annual in-person transactions with chip-authentication
(Number)
Quarter 2 (Apr-Jun)
Tr 8 (Q2)
TrnPprChipReptQ2_Val
Number
Value ($)
Avg. Value ($)
% of annual in-person transactions with chip-authentication
(Number)
Tr 8 (Q3)
Quarter 3 (Jul-Sep)
TrnPprChipReptQ3_Val
Number
Value ($)
Avg. Value ($)
% of annual in-person transactions with chip-authentication
(Number)
Tr 8 (Q4)
Quarter 4 (Oct-Dec)
TrnPprChipReptQ4_Val
Tr 8.a
Contact transactions (chip card inserted or "dipped")
TrnPprChipContQ(repeat item 8.a in Annual Data Entry)
Number
Value ($)
Avg. Value ($)
% of annual in-person transactions with chip-authentication
(Number)
Quarterly should sum to annual: 8.a = 8.a (Q1) + 8.a (Q2) + 8.a (Q3) + 8.a (Q4)
Number
Value ($)
Avg. Value ($)
Tr
8.a (Q1)
Quarter 1 (Jan-Mar)
TrnPprChipContQ1_Val
% of annual contact in-person transactions
with chip-authentication (Number)
Number
Value ($)
Avg. Value ($)
Tr
8.a (Q2)
Quarter 2 (Apr-Jun)
TrnPprChipContQ2_Val
% of annual contact in-person transactions
with chip-authentication (Number)
Number
Value ($)
Avg. Value ($)
Tr
8.a (Q3)
Quarter 3 (Jul-Sep)
TrnPprChipContQ3_Val
% of annual contact in-person transactions
with chip-authentication (Number)
Number
Value ($)
Avg. Value ($)
Tr
8.a (Q4)
Quarter 4 (Oct-Dec)
TrnPprChipContQ4_Val
% of annual contact in-person transactions
with chip-authentication (Number)
Tr 8.b
Contactless transactions (chip card or mobile device RFID, "tap" or "wave")
TrnPprChipNoCo (repeat item 8.b in Annual Data Entry)
Number
Value ($)
Avg. Value ($)
% of annual in-person transactions with chip-authentication
(Number)
Quarterly should sum to annual: 8.b = 8.b (Q1) + 8.b (Q2) + 8.b (Q3) + 8.b (Q4)
Number
Value ($)
Avg. Value ($)
Tr
8.b (Q1)
Quarter 1 (Jan-Mar)
TrnPprChipNoContQ1_Val
% of annual contactless in-person transactions
with chip-authentication (Number)
Number
Value ($)
Avg. Value ($)
Tr
8.b (Q2)
Quarter 2 (Apr-Jun)
TrnPprChipNoContQ2_Val
% of annual contactless in-person transactions
with chip-authentication (Number)
Number
Value ($)
Avg. Value ($)
Tr
8.b (Q3)
Quarter 3 (Jul-Sep)
TrnPprChipNoContQ3_Val
% of annual contactless in-person transactions
with chip-authentication (Number)
Page 15 of 18
NR
NR
NR
X3A2T
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
General-Purpose Prepaid Card Network Payment Survey
2024 Data
Quarterly Data Entry
Number
Value ($)
Avg. Value ($)
Tr
8.b (Q4)
Quarter 4 (Oct-Dec)
TrnPprChipNoContQ4_Val
% of annual contactless in-person transactions
with chip-authentication (Number)
Return to Annual Data Entry
Comments:
Page 16 of 18
NR
NR
General-Purpose Prepaid Card Network Payment Survey
Glossary
Item
Definition
United States: The states, territories, and possessions of the US, the District of Columbia, the
Commonwealth of Puerto Rico, or any political subdivision of any of the foregoing.
Virtual cards: A virtual card is a digital representation of a general-purpose prepaid card that does
not exist in physical form. Typically stored in a digital wallet for online, in-app, or in-person purchases
with a mobile device (using NFC or barcode scanner). Do not count individual tokenized
transactions as virtual cards.
1a
Denials/declines: Transaction attempts that receive a denial response by the host authorization
system and do not result in an authorized transaction.
2a
Pre-authorization only: Transactions that are approved but not settled (e.g., the initial amount
which a rental agency, hotel, or fuel dispenser operator receives authorization, but final payment and
amount transfer is never made).
3
Net, authorized & settled transactions: Transactions initiated by the acquirer that are
completed with the final payment amount transferred from the acquirer to the issuer. Such
transactions include those that are subsequently reversed through a chargeback, or other adjustment
or return.
3a
Cash-back at the point of sale: Purchase transactions that include an amount of cash given
back to the card user. A point-of-sale (POS) purchase transaction with cash back is counted as one
transaction.
3.b.1
Chargebacks: Transactions initiated by the issuer that reverse a transaction, in whole or in part,
and transfer value from the acquirer to the issuer (e.g., customer disputes, fraud, processing errors,
authorization issues, or non-fulfillment of copy requests). A chargeback provides the issuer with a
way to return a disputed transaction, typically on behalf of the cardholder.
3b.2
Other adjustments and returns: Transactions initiated by the acquirer that reverse a
transaction, in whole or in part, and transfer value from the acquirer to the issuer (e.g., customer
return of goods, complaints, merchant-identified fraud, duplicate transaction entry).
4
Net, purchase transactions: Transactions that have been authorized and settled. Exclude
denials, transactions that are pre-authorization only, cash advances, chargebacks, and other
adjustments and returns.
7a
Transactions with chip-authentication: In-person transactions for which the account
information is taken from a computer microchip embedded in a card or mobile device that securely
stores data to be read via contact or contactless/NFC communications with a merchant payment
device or terminal. Include EMV and all other types of chip transactions with a card or mobile device.
Report only in-person transactions.
7a.1 & 7b.1
Transactions with a PIN: In-person transactions for which a card user enters their Personal
Identification Number (PIN) to authenticate the card purchase.
7a.2 & 7b.2
Transactions without a PIN: In-person transactions for which a card user does not enter a
Personal Identification Number (PIN) to authenticate the card purchase.
Page 17 of 18
General-Purpose Prepaid Card Network Payment Survey
Glossary
Item
7b
Definition
Transactions without chip-authentication: In-person transactions for which the account
information is not taken from a computer microchip. Typically the information is taken from a
magstripe on a card, and may occasionally be manually keyed at the register. Report only in-person
transactions.
Contact transactions (chip card inserted or "dipped"): Transactions are initiated by
8a
inserting a card with an embedded EMV microchip into a merchant's chip-enabled terminal. The
terminal makes contact with the inserted chip for authentication.
8b
Contactless transactions (chip card or mobile device RFID, "tap" or "wave"):
Transactions are initiated by tapping a card or a mobile device with an embedded microchip at a
merchant's chip-enabled terminal. Contactless transactions typically use Radio Frequency
Identification (RFID) and/or a specialized subset of Near-field Communications (NFC) standards to
make the connection to the chip for authentication. May include some contactless EMV transactions.
12
Transaction value distribution: Your best estimate for the number and dollar value of
transactions that fall within the "dollar size bands" requested.
16a
Lost or stolen card: Fraudulent transactions via a card reported as lost or stolen.
16b
Card issued but not received: Fraudulent transactions reported to be via an intercepted new or
replacement card in transit that was activated by someone other than the cardholder.
16c
Fraudulent application: Fraudulent transactions reported to be via a new card that was issued to
someone other than the cardholder using falsified information or a stolen identity.
16d
Counterfeit card: Fraudulent in-person transactions via an altered or cloned card.
16e
Fraudulent use of account number: Fraudulent transactions using account number and other
card and cardholder details, typically remotely.
16f
Other (including account takeover): All other fraudulent transactions not included in the
above categories. In particular, "other" covers account takeover, a form of identity theft whereby an
unauthorized party gains access to and use of an existing card account.
26
Total cards: All issued, activated, and unexpired general-purpose prepaid cards (linked to USdomiciled accounts).
26
Active cards: General-purpose prepaid cards outstanding with a minimum level of purchase
activity according to your organization's definition.
26b
Physical cards: A physical general-purpose prepaid card with a magstripe and/or chip that is
issued to the customer for making purchases in person.
Page 18 of 18
FR 3066b
OMB No. 7100-0351
Approval expires February 29, 2028
The Federal Reserve
Payments Study
Automated Teller Machine Card
Network Transaction Survey
Survey Period:
Calendar Year 2024
Responding to this collection is voluntary. The Federal Reserve may not conduct or sponsor, and an organization is not required to
respond to, a collection of information unless it displays a currently valid OMB control number. 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.
Page 1 of 8
Networks, Processors, and Issuers Payments Surveys (NPIPS)
Automated Teller Machine Card Network Transaction Survey
Instructions
About this survey
This survey, part of the NPIPS, covers automated teller machine (ATM) card network transactions for calendar year 2024 (CY 2024).
Allocations of total ATM transactions and cash withdrawals are requested for several category types, including cash withdrawals classified
as fraudulent by an unauthorized third party. Counts of the number of ATM terminals are also requested.
About the study
This survey and other NPIPS surveys are part of the Federal Reserve Payments Study (FRPS), which is conducted by the Federal
Reserve Bank of Atlanta and the Federal Reserve Board. Your response will be used in combination with peer responses to estimate
national aggregate volumes for CY2024. Aggregate results will be compared to those of previous studies to track changes and identify
trends in US payments.
Confidentiality
Any data 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. If your organization outsourced
payments processing to another organization during CY2024, please request the necessary data from that organization or
provide them with the survey so they may respond on behalf of your organization.
>> Please respond by: June 13, 2025 <<
Data entry
Please enter annual data for CY2024 in the Annual Data Entry tab (i.e., worksheet). If estimated amounts rather than actual amounts are
reported for any item(s), please explain in the comments field at the bottom of the tab. By default, tabs are protected and only cells
needed for data entry are unlocked.
Example
1. Direct data entry (light blue boxes). For numeric data, key in the actual number or dollar amount.
Note: Items left blank can be difficult to interpret and may generate follow-up questions. If a positive amount cannot be provided,
please consider entering one of these alternatives:
* Enter "0" if the requested item is known to be zero. (This is appropriate for items that are not applicable to your organization.)
* Enter "NR" (not reported/not reportable) if the requested item is known to be nonzero but cannot be reported.
Example
2. Automatic entry of calculations or repeated figures (dark blue box). Cells are protected, but different amounts may be entered into the
override cells to the right (yellow box), if necessary. Only positive numeric amounts are valid for override cells.
Override
NR
(Automatic entry cells display "NR" until required information is provided.)
Example
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
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
Unexpected condition flags
As you fill out the survey, flags may be raised describing the results of simple arithmetic comparisons. These are intended to help you
identify potential mistakes and, if appropriate, correct them. However, it may not always be appropriate to revise data when flags are
raised, and you may choose to leave your response data as is. If that happens, please provide feedback and explanations in the
comments field at the bottom of each tab. Your comments may help us understand your data and avoid the need for follow up.
Conditions that can raise a flag include:
1. Logical inconsistencies: These check for essential arithmetical relationships among items based on survey definitions and structure.
They include adding-up conditions for items and their sub-items, pairing of zeros with nonzeros, and entry of NR when a known
amount is implied by other reported item amounts.
Examples
Item in Q3 is not equal to the sum of subitems: Q3 > Q3.a + Q3.b.
Inconsistent pair: Q3 Balance ($) cannot be 0 if Q3 Number is nonzero.
Item should be reportable if all related items (Q2, Q2.b) are reported.
Note: Leaving items blank will not throw flags. However, consistency problems may still exist when the amount is left blank but is
implied by other related item amounts. Such cases can be checked by entering NR when an item is not reported/not reportable. If
possible, please review your survey workbooks for any blank data-entry cells and replace them before submitting.
2. Exceeding set boundaries: These compare against lower and upper boundaries for averages and ratios. The boundaries are
intended to allow a wide range, but may not be appropriate for your organization.
Glossary
Definitions for selected terms can be found in the Glossary tab.
Page 2 of 8
Example
This average value is unusually low.
Networks, Processors, and Issuers Payments Surveys (NPIPS)
Automated Teller Machine Card Network Transaction Survey
Instructions
Submitting the completed survey
Submitted via Intralinks:
Please have your organization's Study Coordinator that established access to an Intralinks account submit this and any other survey
workbooks.
To submit your completed survey, log in to your organization's Intralinks account where you will see a folder labeled with a unique numeric
identifier assigned to your organization. Within this folder are two subfolders – one for submitting your data and the other for retrieving
data that we may send you. Locate the Submit Data folder, and upload your completed survey workbooks on the encrypted Intralinks
platform. Once we receive notification of your submission, acknowledgement of receipt will be sent to you from
[email protected].
Questions?
If you have questions about the survey content or need assistance with the submission process, please contact the Federal Reserve
Payments Study team at www.paymentsstudy.com.
Comments
Please provide any feedback and suggestions about the survey or submission process in the box below:
Page 3 of 8
Automated Teller Machine Card Network Transaction Survey
2024 Data
Annual Data Entry
Please report data on automated teller machine card network transactions and related information for calendar year requested below. Responding completely
and accurately will help ensure accuracy of the aggregate estimates.
Include:
* All ATM transactions processed through your organization's ATM network switch
* Transactions made with ATM, debit, prepaid, and credit cards issued on US-domiciled accounts (US cards)
* Domestic and cross-border transactions with US cards
* Chip-accepted and chip-not-accepted ATM terminals
Please leave no item blank.
* Enter "0" if an item is zero
* Enter "NR" if an item is nonzero
but cannot be reported
Do not include:
* Cash withdrawals made with non-US cards (except for questions 4 and 9)
Definitions for selected terms can be found in the Glossary tab.
Calendar year 2024 ATM transactions
Tr1
Total ATM transactions = 1.a + 1.b + 1.c + 1.d + 1.e + 1.f
Tr 1.a
Number
Denials/declines
Number
% of total ATM transaction (Number)
NR
Number
% of total ATM transaction (Number)
NR
Number
Value ($)
Avg. Value ($)
% of total ATM transaction (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of cash withdrawals (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of cash withdrawals (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of cash withdrawals (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total ATM transaction (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total ATM transaction (Number)
NR
NR
Number
% of total ATM transaction (Number)
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of cash withdrawals (Number)
NR
NR
2.a.1
With contact chip card (insert or "Dip")
Tr
TrnCashWdChipCont_Val
TrnCashWdChipCont_Avg
Number
Value ($)
Avg. Value ($)
% of cash withdrawals with chip-authentication (Number)
NR
NR
2.a.2
Contactless, with contactless card or mobile device ("Tap")
Tr
TrnCashWdChipNoCont_Val
TrnCashWdChipNoCont_Avg
Number
Value ($)
Avg. Value ($)
% of cash withdrawals with chip-authentication (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of cash withdrawals (Number)
NR
NR
Tr 1.b
Balance inquiries
Tr 1.c
TrnCashWd_Val
TrnCashWd_Avg
Cash withdrawals = 1.c.1 + 1.c.2 + 1.c.3
1.c.1
Tr
TrnCashWdDb_Val
TrnCashWdDb_Avg
From non-prepaid debit cards
1.c.2
Tr
TrnCashWdPpd_Val
TrnCashWdPpd_Avg
From prepaid debit cards
1.c.3
Tr
TrnCashWdCrd_Val
TrnCashWdCrd_Avg
From credit cards
Tr 1.d
TrnDep_Val
TrnDep_Avg
Deposits
Tr 1.e
TrnA2A_Val
TrnA2A_Avg
Account-to-account transfers
Tr 1.f
Other
Cash withdrawals by authentication method
Tr2
Cash withdrawals (repeat item 1.c) = 2.a + 2.b
TrnCashWdRept1_Val
TrnCashWdRept1_Avg
With chip-authentication = 2.a.1 + 2.a.2
Tr 2.a
TrnCashWdChip_Val
TrnCashWdChip_Avg
Without chip-authentication = 2.b.1 + 2.b.2
Tr 2.b
TrnCashWdNoChip_Val
TrnCashWdNoChip_Avg
Page 4 of 8
Automated Teller Machine Card Network Transaction Survey
2024 Data
Annual Data Entry
2.b.1
No card ("Scan")
Tr
using mobile device barcode/QR code or key enter code
TrnCashWdNoC
TrnCashWdNoChipNoCd_Avg
Number
Value ($)
Avg. Value ($)
% of cash withdrawals without chip-authentication (Number)
NR
NR
2.b.2
With card ("Swipe")
Tr
using traditional magstripe
TrnCashWdNoC
TrnCashWdNoChipCd_Avg
Number
Value ($)
Avg. Value ($)
% of cash withdrawals without chip-authentication (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Domestic cash withdrawals with US cards (ATMs located within the US)
Tr 3.a
TrnCashWdDom_Val
TrnCashWdDom_Avg
Number
Value ($)
Avg. Value ($)
% of cash withdrawals (Number)
NR
NR
Cross-border cash withdrawals with US cards (ATMs located outside the US)
Tr 3.b
TrnCashWdFrgn_Val
TrnCashWdFrgn_Avg
Number
Value ($)
Avg. Value ($)
% of cash withdrawals (Number)
NR
NR
Cash withdrawals by ATM location
Tr3
Cash withdrawals (repeat item 1.c) = 3.a + 3.b
TrnCashWdRept2_Val
TrnCashWdRept2_Avg
Cash withdrawals at domestic ATMs with non-US cards
T4
Cash withdrawals with non-US cards
TrnCashWdNo (ATMs within the US and not included in item 1.c)
TrnCashWdNonUSCd_Avg
Number
Value ($)
Avg. Value ($)
NR
Third-party fraudulent cash withdrawals
5
Please indicate if your network would be able to provide third-party fraud data.
If Yes (the default selection), please skip question 5.a below.
5.a
Yes
No
If No, please provide reasons to help us better understand the industry and select all
that apply.
Third-party fraudulent cash withdrawals = 6.a + 6.b + 6.c + 6.d + 6.e
Fr6
FrdCashWd_Va Include all unauthorized third-party fraudulent cash withdrawals that cleared and settled for
FrdCashWd_Av which funds subsequently became available to the perpetrator. Do not include fraud
FrdCashWd_Nuattempts that were prevented before they were cleared and settled, or fraud committed by
the accountholder or other users authorized to make cash withdrawals.
FrdCashWd_Va
Do not track fraud
FALSE
Not enough resources
FALSE
Data sensitivity
FALSE
Other, please specify below
FALSE
Number
Value ($)
Avg. Value ($)
Cash withdrawals fraud rate (Number)
Cash withdrawals fraud rate (Value)
NR
NR
NR
Lost or stolen card
Fr 6.a
FrdCashWdLost_Val
FrdCashWdLost_Avg
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent cash withdrawals (Number)
NR
NR
Card issued but not received
Fr 6.b
FrdCashWdNotRecv_Val
FrdCashWdNotRecv_Avg
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent cash withdrawals (Number)
NR
NR
Fraudulent application (account issued to someone using a fake identity)
Fr 6.c
FrdCashWdAppl_Val
FrdCashWdAppl_Avg
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent cash withdrawals (Number)
NR
NR
Counterfeit card (card-present/stolen card data)
Fr 6.d
FrdCashWdCntft_Val
FrdCashWdCntft_Avg
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent cash withdrawals (Number)
NR
NR
Other (including account takeover)
Fr 6.e
FrdCashWdOth_Val
FrdCashWdOth_Avg
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent cash withdrawals (Number)
NR
NR
Page 5 of 8
Automated Teller Machine Card Network Transaction Survey
2024 Data
Annual Data Entry
Third-party fraudulent cash withdrawals by authentication method
Fr7
Third-party fraudulent cash withdrawals (repeat item 6) = 7.a + 7.b
FrdCashWdRept1_Val
FrdCashWdRept1_Avg
FrdCashWdRept1_Num_Rate
FrdCashWdRept1_Val_Rate
With chip-authentication = 7.a.1 + 7.a.2
Fr 7.a
FrdCashWdChip_Val
FrdCashWdChip_Avg
Number
Value ($)
Avg. Value ($)
Cash withdrawals fraud rate (Number)
Cash withdrawals fraud rate (Value)
NR
NR
NR
NR
NR
Number
Value ($)
Avg. Value ($)
NR
FrdCashWdChip_Num_Rate
Cash withdrawals with chip-authentication fraud rate
(Number)
NR
FrdCashWdChip_Val_Rate
Cash withdrawals with chip-authentication fraud rate
(Value)
NR
7.a.1
With contact chip card (insert or "Dip")
Fr
FrdCashWdChipCont_Val
FrdCashWdChipCont_Avg
FrdCashWdChipCont_Num_Rate
FrdCashWdChipCont_Val_Rate
Number
Value ($)
Avg. Value ($)
Cash withdrawals with contact chip card fraud rate (Number)
Cash withdrawals with contact chip card fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
NR
7.a.2
Contactless, with contactless card or mobile device ("Tap")
Fr
FrdCashWdChipNoCont_Val
FrdCashWdChipNoCont_Avg
FrdCashWdChipNoCont_Num_Rate
Contactless cash withdrawals with contactless card or mobile
device fraud rate (Number)
NR
FrdCashWdChipNoCont_Val_Rate
Contactless cash withdrawals with contactless card or mobile
device fraud rate (Value)
NR
Without chip-authentication = 7.b.1 + 7.b.2
Fr 7.b
FrdCashWdNoChip_Val
FrdCashWdNoChip_Avg
Number
Value ($)
Avg. Value ($)
NR
FrdCashWdNoChip_Num_Rate
Cash withdrawals without chip-authentication fraud rate
(Number)
NR
FrdCashWdNoChip_Val_Rate
Cash withdrawals without chip-authentication fraud rate
(Value)
NR
7.b.1
No card ("Scan")
Fr
using mobile device barcode/QR code or key enter code
FrdCashWdNoC
FrdCashWdNoChipNoCd_Avg
Number
Value ($)
Avg. Value ($)
NR
FrdCashWdNoChipNoCd_Num_Rate
Cash withdrawals without chip-authentication and without card
fraud rate (Number)
NR
FrdCashWdNoChipNoCd_Val_Rate
Cash withdrawals without chip-authentication and without card
fraud rate (Value)
NR
7.b.2
With a card ("Swipe")
Fr
using traditional magstripe
FrdCashWdNoC
FrdCashWdNoChipCd_Avg
Number
Value ($)
Avg. Value ($)
NR
FrdCashWdNoChipCd_Num_Rate
Cash withdrawals without chip-authentication and with a card
fraud rate (Number)
NR
FrdCashWdNoChipCd_Val_Rate
Cash withdrawals without chip-authentication and with a card
fraud rate (Value)
NR
Number
Value ($)
Avg. Value ($)
Cash withdrawals fraud rate (Number)
Cash withdrawals fraud rate (Value)
NR
NR
NR
NR
NR
Number
Value ($)
Avg. Value ($)
NR
Third-party fraudulent cash withdrawals by ATM location
Fr8
Third-party fraudulent cash withdrawals (repeat item 6) = 8.a + 8.b
FrdCashWdRept2_Val
FrdCashWdRept2_Avg
FrdCashWdRept2_Num_Rate
FrdCashWdRept2_Val_Rate
Domestic cash withdrawals with US cards (ATMs located within the US)
Fr 8.a
FrdCashWdDom_Val
FrdCashWdDom_Avg
FrdCashWdDom_Num_Rate
Domestic cash withdrawals with US cards fraud rate
(Number)
NR
FrdCashWdDom_Val_Rate
Domestic cash withdrawals with US cards fraud rate
(Value)
NR
Cross-border cash withdrawals with US cards (ATMs located outside the US)
Fr 8.b
FrdCashWdFrgn_Val
FrdCashWdFrgn_Avg
Number
Value ($)
Avg. Value ($)
NR
FrdCashWdFrgn_Num_Rate
Cross-border cash withdrawals with US cards fraud rate
(Number)
NR
FrdCashWdFrgn_Val_Rate
Cross-border cash withdrawals with US cards fraud rate
(Value)
NR
Page 6 of 8
Automated Teller Machine Card Network Transaction Survey
2024 Data
Annual Data Entry
Third-party fraudulent cash withdrawals at domestic ATMs with non-US cards
F9
Third-party fraudulent cash withdrawals with non-US cards
FrdCashWdNo(ATMs within the US and not included in item 6)
FrdCashWdNonUSCd_Avg
FrdCashWdNonUSCd_Num_Rate
FrdCashWdNonUSCd_Val_Rate
Number
Value ($)
Avg. Value ($)
Cash withdrawals with non-US cards fraud rate (Number)
Cash withdrawals with non-US cards fraud rate (Value)
NR
NR
NR
Number of ATM terminals
Tm10
Tm 10.a
Tm 10.b
Tm11
Tm 11.a
Tm 11.b
Number of ATM terminals as of December 31, 2023 = 10.a + 10.b
Total terminals
Chip-accepted terminals
Chip-not-accepted terminals
Number of ATM terminals as of December 31, 2024 = 11.a + 11.b
Total terminals
% of ATM terminals as of December 31, 2023
NR
Total terminals
% of ATM terminals as of December 31, 2023
NR
Total terminals
Chip-accepted terminals
Chip-not-accepted terminals
Comments:
Page 7 of 8
Total terminals
% of ATM terminals as of December 31, 2024
NR
Total terminals
% of ATM terminals as of December 31, 2024
NR
Automated Teller Machine Card Network Transaction Survey
Glossary
Item
Definition
United States: The states, territories, and possessions of the US, the District of Columbia, the
Commonwealth of Puerto Rico, or any political subdivision of any of the foregoing.
1a
Denials/declines: Transaction attempts that receive a denial response by the host authorization system and
do not result in an authorized transaction.
With contact chip card (insert or "Dip"): Cash withdrawals are initiated and authenticated by inserting
2a.1
an ATM card with an embedded microchip (typically, EMV) into a chip-enabled ATM terminal. Do not include
payments initiated using a magstripe reader.
2a.2
Contactless, with contactless card or mobile device ("Tap"): Cash withdrawals are initiated by
card or mobile device using a variety of secure radio methods that replace inserting the card into a reader that
makes direct electrical contact with the chip. Contactless chip cash withdrawals may use Radio Frequency
Identification (RFID) and/or a specialized subset of Near-field Communications (NFC) standards to initiate and
authenticate an ATM transaction. Contactless authentication may utilize a physical card, fob, or sticker that is
"tapped" to authenticate transactions at an ATM. Examples of systems that may be supported by an ATM
network may include MasterCard or Visa Cardless ATM. Also include Consumer Device Cardholder Verification
Methods (e.g., Apple Pay, Google Pay, CashTapp, Touch ID or device passcode). Do not include payments
initiated using a magstripe reader.
2b.1
No card ("Scan"): Cash withdrawals are initiated using a mobile device to scan barcode/QR code or entering
an authentication code displayed on phone using the ATM keypad. Generally for this new method, consumer
initiates withdrawal using the mobile banking or mobile wallet app and ATM will then display a QR code on the
screen for you to scan with your phone before dispensing the money. Do not include NFC "Tap" transactions
which should be entered in those fields listed above.
2b.2
With card ("Swipe"): Cash withdrawals are initiated using traditional magstripe reader. Do not include "Dip"
or "Tap" transactions which should be entered in those fields above.
6a
Lost or stolen card: Fraudulent transactions via a card reported as lost or stolen.
6b
Card issued but not received: Fraudulent transactions reported to be via an intercepted new or
replacement card in transit that was activated by someone other than the cardholder.
6c
Fraudulent application: Fraudulent transactions reported to be via a new card that was issued to someone
other than the cardholder using falsified information or a stolen identity.
6d
Counterfeit card: Fraudulent in-person transactions via an altered or cloned card.
6e
Other (including account takeover): All other fraudulent transactions not included in the above
categories. In particular, "other" covers account takeover, a form of identity theft whereby an unauthorized party
gains access to and use of an existing card account.
10a & 11a
Chip-accepted terminals: An ATM terminal that accepts card with a computer microchip (including EMV
and other types of chip cards). Include terminals that accept chip-based transactions that are either contact or
contactless.
Page 8 of 8
FR 3066b
OMB No. 7100-0351
Approval expires February 29, 2028
The Federal Reserve
Payments Study
General-Purpose Prepaid Card
Processor Payment Survey
Survey Period:
Calendar Year 2024
Responding to this collection is voluntary. The Federal Reserve may not conduct or sponsor, and an organization is not required to respond
to, a collection of information unless it displays a currently valid OMB control number. 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.
Page 1 of 9
Networks, Processors, and Issuers Payments Surveys (NPIPS)
General-Purpose Prepaid Card Processor Payment Survey
Instructions
About this survey
This survey, part of the NPIPS, covers general-purpose prepaid card transactions (for both payment and card funding) that your orgnization
processed for calendar year 2024 (CY2024). Allocations of transactions are requested for several category types. Counts of the number of
active and total cards that are issued and/or processed by your organization and outstanding are also requested.
About the study
This survey and other NPIPS surveys are part of the Federal Reserve Payments Study (FRPS), which is conducted by the Federal Reserve
Bank of Atlanta and the Federal Reserve Board. Your response will be used in combination with peer responses to estimate national
aggregate volumes for CY2024. Aggregate results will be compared to those of previous studies to track changes and identify trends in US
payments.
Confidentiality
Any data 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. If your organization outsourced payments
processing to another organization during CY2024, please request the necessary data from that organization or provide them with the
survey so they may respond on behalf of your organization.
>> Please respond by: June 13, 2025 <<
Data entry
Please enter annual data for CY2024 in the Annual Data Entry tab (i.e., worksheet). If estimated amounts rather than actual amounts are
reported for any item(s), please explain in the comments field at the bottom of the tab. By default, tabs are protected and only cells needed for
data entry are unlocked.
Example
1. Direct data entry (light blue boxes). For numeric data, key in the actual number or dollar amount.
Note: Items left blank can be difficult to interpret and may generate follow-up questions. If a positive amount cannot be provided, please
consider entering one of these alternatives:
* Enter "0" if the requested item is known to be zero. (This is appropriate for items that are not applicable to your organization.)
* Enter "NR" (not reported/not reportable) if the requested item is known to be nonzero but cannot be reported.
Example
2. Automatic entry of calculations or repeated figures (dark blue box). Cells are protected, but different amounts may be entered into the
override cells to the right (yellow box), if necessary. Only positive numeric amounts are valid for override cells.
Override
NR
(Automatic entry cells display "NR" until required information is provided.)
Example
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
Unexpected condition flags
As you fill out the survey, flags may be raised describing the results of simple arithmetic comparisons. These are intended to help you identify
potential mistakes and, if appropriate, correct them. However, it may not always be appropriate to revise data when flags are raised, and you
may choose to leave your response data as is. If that happens, please provide feedback and explanations in the comments field at the bottom
of each tab. Your comments may help us understand your data and avoid the need for follow up.
Conditions that can raise a flag include:
1. Logical inconsistencies: These check for essential arithmetical relationships among items based on survey definitions and structure.
They include adding-up conditions for items and their sub-items, pairing of zeros with nonzeros, and entry of NR when a known amount is
implied by other reported item amounts.
Examples
Item in Q3 is not equal to the sum of subitems: Q3 > Q3.a + Q3.b.
Inconsistent pair: Q3 Balance ($) cannot be 0 if Q3 Number is nonzero.
Item should be reportable if all related items (Q2, Q2.b) are reported.
Note: Leaving items blank will not throw flags. However, consistency problems may still exist when the amount is left blank but is implied
by other related item amounts. Such cases can be checked by entering NR when an item is not reported/not reportable. If possible, please
review your survey workbooks for any blank data-entry cells and replace them before submitting.
2. Exceeding set boundaries: These compare against lower and upper boundaries for averages and ratios. The boundaries are intended to
allow a wide range, but may not be appropriate for your organization.
Glossary
Definitions for selected terms can be found in the Glossary tab.
Submitting the completed survey
Submitted via Intralinks:
Please have your organization's Study Coordinator that established access to an Intralinks account submit this and any other survey
workbooks.
To submit your completed survey, log in to your organization's Intralinks account where you will see a folder labeled with a unique numeric
identifier assigned to your organization. Within this folder are two subfolders – one for submitting your data and the other for retrieving data
that we may send you. Locate the Submit Data folder, and upload your completed survey workbooks on the encrypted Intralinks platform.
Once we receive notification of your submission, acknowledgement of receipt will be sent to you from [email protected].
Page 2 of 9
Example
This average value is unusually low.
Networks, Processors, and Issuers Payments Surveys (NPIPS)
General-Purpose Prepaid Card Processor Payment Survey
Instructions
Questions?
If you have questions about the survey content or need assistance with the submission process, please contact the Federal Reserve
Payments Study team at www.paymentsstudy.com.
Comments
Please provide any feedback and suggestions about the survey or submission process in the box below:
Page 3 of 9
General-Purpose Prepaid Card Processor Payment Survey
2024 Data
Annual Data Entry
Please report data on general-purpose prepaid card transactions and related information for calendar year 2024. Responding completely and accurately will help
ensure accuracy of the aggregate estimates.
Include:
* All types of network-branded (open-loop) transactions initiated by the acquirer and made with US general-purpose prepaid cards issued on US-domiciled
accounts (US issuer) 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.
Please leave no item blank.
* Enter "0" if an item is zero
* Enter "NR" if an item is nonzero
but cannot be reported
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.
* 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.
Definitions for selected terms can be found in the Glossary tab.
Calendar year 2024 general-purpose prepaid card transactions
Tr1
TrnTotl_Val
TrnTotl_Avg
Total transactions
Do not include electronic benefits transfer (EBT) card transactions. Do not include card
funding transactions, requested separately in questions 9 and 10. Do not include ATM cash
withdrawal transactions, requested separately in question 8.
Tr 1.a
TrnDcln_Val
TrnDcln_Avg
Tr2
TrnAuth_Val
Denials (authorization declined)
Total authorized transactions = 1 - 1.a
TrnAuth_Avg
Tr 2.a
TrnPreAuth_Val
TrnPreAuth_Avg
Tr3
TrnNAST_Val
Pre-authorization only (authorized but not settled)
Net, authorized & settled transactions = 2 - 2.a
Exclude denials and pre-authorizations only (authorized but not settled).
TrnNAST_Avg
Tr 3.a
TrnCashBack_Val
TrnCashBack_Avg
Cash-back at the point of sale
Tr 3.b
TrnAdj_Val
TrnAdj_Avg
Chargebacks, adjustments and returns
Chargebacks (issuer initiated) typically include customer disputes, fraud, processing
errors, authorization issues, or non-fulfillment. Other adjustments and returns (acquirer
initiated) include customer return of goods, complaints, merchant-identified fraud,
duplicate transaction entries.
Tr4
TrnNPT_Val
Net, purchase transactions
= 3 - 3.b for Number, = 3 - 3.a - 3.b for Value
TrnNPT_Avg
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.
Page 4 of 9
Number
Value ($)
Avg. Value ($)
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of total authorized transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
NR
NR
General-Purpose Prepaid Card Processor Payment Survey
2024 Data
Annual Data Entry
Preferred basis for reporting
payment transactions
5
Among the different subtotals of payment transactions listed above, which would you prefer to
use to report more detailed allocations of payment transactions below? If possible, please use
3. Net, authorized & settled transactions (the default selection).
2. Total authorized transactions
3. Net, authorized & settled transactions
4. Net, purchase transactions
Transactions by channel
Tr6
Trn_Val
Net, authorized & settled transactions = 6.a + 6.b
Trn_Avg
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Tr 6.a
TrnPpr_Val
TrnPpr_Avg
In-person transactions
Transactions the card user initiates by interacting with a physical terminal or other
device provided by the merchant or payee, usually with a card or mobile device. Also
include card-not-present transactions for which the card user is present at the point of
sale (e.g., key-entered transactions). Do not include remote transactions classified as
card-present solely because of the level of authentication.
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Tr 6.b
TrnRmt_Val
TrnRmt_Avg
Remote transactions (card user not at merchant location)
Transactions for which the card user does not interact with a physical terminal or other
device provided by the merchant or payee. Typically, these include card-not-present
transactions. Also include any remote transactions classified as card-present solely
because of the level of authentication.
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Transactions by card user account type
Tr7
TrnRept_Val
Net, authorized & settled transactions (repeat item 6) = 7.a + 7.b
TrnRept_Avg
Tr 7.a
TrnCons_Val
TrnCons_Avg
Transactions from consumer accounts = 7.a.1 + 7.a.2
Transactions made with cards (including virtual cards) issued to a consumer for the
purpose of making consumer-related transactions.
7.a.1
Tr
TrnConsGovt_V
TrnConsGovt_A
Transactions with government-administered general-purpose cards
Transactions made with cards (including virtual cards) issued to a consumer for
the purpose of providing government benefits. Include state and federal programs
with cash benefits such as unemployment, TANF, or Social Security.
Number
Value ($)
Avg. Value ($)
% of transactions from consumer accounts (Number)
NR
NR
7.a.2
Tr
TrnConsOth_Va
TrnConsOth_Avg
Transactions from other consumer accounts
= 7.a.2.1 + 7.a.2.2 + 7.a.2.3 + 7.a.2.4 + 7.a.2.5
Number
Value ($)
Avg. Value ($)
% of transactions from consumer accounts (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of transactions from other consumer accounts (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of transactions from other consumer accounts (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of transactions from other consumer accounts (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of transactions from other consumer accounts (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of transactions from other consumer accounts (Number)
NR
NR
7.a.2.1
Tr
TrnConsOthGft_Val
TrnConsOthGft_Avg
Gift cards
7.a.2.2
Tr
TrnConsOthMed_Val
TrnConsOthMed_Avg
FSA/HSA medical cards
7.a.2.3
Tr
TrnConsOthRfnd_Val
TrnConsOthRfnd_Avg
Customer refund & incentive cards
7.a.2.4
Tr
TrnConsOthPyrll_Val
TrnConsOthPyrll_Avg
Payroll cards
7.a.2.5
Tr
TrnConsOthOth_Val
TrnConsOthOth_Avg
Other consumer cards
Tr 7.b
TrnBus_Val
TrnBus_Avg
Transactions from business/government (commercial) accounts
Transactions made with cards (including virtual cards) issued to a business or government
or its employee for the purpose of making business-related transactions. Include corporate
charge, small business, travel/entertainment, procurement, and fleet cards.
Page 5 of 9
Number
Value ($)
Avg. Value ($)
NR
% of net, authorized & settled transactions (Number)
NR
General-Purpose Prepaid Card Processor Payment Survey
2024 Data
Annual Data Entry
ATM cash withdrawals
ATM cash withdrawal transactions = 8.a + 8.b
AT8
ATMCashWd_Val
ATMCashWd_Avg
ATM cash withdrawals with government-administered general-purpose cards
State and federal programs with cash benefits (e.g., TANF, Social Security,
unemployment) and may use Quest rules.
AT 8.a
ATMCashWdGo
ATMCashWdGo
Other ATM cash withdrawals
AT 8.b
ATMCashWdOth_Val
ATMCashWdOth_Avg
Number
Value ($)
Avg. Value ($)
NR
Number
Value ($)
Avg. Value ($)
% of ATM cash withdrawal transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of ATM cash withdrawal transactions (Number)
NR
NR
Card funding by cardholder or issuer/sponsor - how value was loaded into card account
C9
CdFnd_Val
CdFnd_Avg
Total credits/loads = 9.a + 9.b
Number
Value ($)
Avg. Value ($)
Total credits/loads to net, authorized & settled transactions ratio
(Value)
CdFnd_Val_Rate
C 9.a
CdFndCdhldr_Val
CdFndCdhldr_Avg
Funds loaded by cardholders = 9.a.1 + 9.a.2
NR
NR
Number
Value ($)
Avg. Value ($)
% of total credits/loads (Value)
NR
NR
9.a.1
C
CdFndCdhldrIniL
CdFndCdhldrIniL
Initial loads
Number of newly purchased and issued cards and initial balances on the
associated card accounts.
Number
Value ($)
Avg. Value ($)
% of funds loaded by cardholders (Value)
NR
NR
9.a.2
C
CdFndCdhldrRld
CdFndCdhldrRld
Reloads
Number of times and corresponding amounts of additional funds added to existing
card accounts.
Number
Value ($)
Avg. Value ($)
% of funds loaded by cardholders (Value)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total credits/loads (Value)
NR
NR
C 9.b
CdFndIssr_Val
CdFndIssr_Avg
Credits/loads by issuers/sponsors (e.g., payroll, benefits, rewards, rebates)
Card funds loaded by cardholders by instrument - how value was loaded into card account
C 10
Funds loaded by cardholders (repeat item 9.a) = 10.a + 10.b + 10.c + 10.d + 10.e
CdFndCdhldrRept_Val
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Cash
C 10.a
CdFndCdhldrCash_Val
CdFndCdhldrCash_Avg
Number
Value ($)
Avg. Value ($)
% of funds loaded by cardholders (Value)
NR
NR
Check
C 10.b
CdFndCdhldrChk_Val
CdFndCdhldrChk_Avg
Number
Value ($)
Avg. Value ($)
% of funds loaded by cardholders (Value)
NR
NR
General-purpose card (credit, debit, or prepaid)
C 10.c
CdFndCdhldrGPCd_Val
CdFndCdhldrGPCd_Avg
Number
Value ($)
Avg. Value ($)
% of funds loaded by cardholders (Value)
NR
NR
ACH (transfer from a consumer bank account)
C 10.d
CdFndCdhldrACH_Val
CdFndCdhldrACH_Avg
Number
Value ($)
Avg. Value ($)
% of funds loaded by cardholders (Value)
NR
NR
Other
C 10.e
CdFndCdhldrOth_Val
CdFndCdhldrOth_Avg
Number
Value ($)
Avg. Value ($)
% of funds loaded by cardholders (Value)
NR
NR
CdFndCdhldrRept_Avg
Page 6 of 9
General-Purpose Prepaid Card Processor Payment Survey
2024 Data
Annual Data Entry
Number of cards outstanding
Active cards
Total cards
Number of active and total general-purpose prepaid cards outstanding
C 11
CdEndTotl_Num as of December 31, 2024 = 11.a + 11.b
Active to total general-purpose prepaid cards outstanding
ratio
CdEnd_Rate
C 11.a
CdEndConsTotl_
Active cards
Total cards
Cards for consumer accounts
= 11.a.1 + 11.a.2 + 11.a.3 + 11.a.4 + 11.a.5 + 11.a.6
CdEndCons_Rate
Active to total cards outstanding for consumer accounts
ratio
NR
% of active general-purpose prepaid cards outstanding
NR
% of total general-purpose prepaid cards outstanding
NR
Active cards
Total cards
Government-administered general-purpose cards
11.a.1
C
CdEndConsGovtTotl_Num
Active to total government-administered general-purpose cards
outstanding ratio
CdEndConsGovt_Rate
11.a.2
C
CdEndConsGftTotl_Num
NR
% of total general-purpose prepaid cards outstanding
for consumer accounts
NR
Active cards
Total cards
Active to total gift cards outstanding ratio
NR
% of active general-purpose prepaid cards outstanding
for consumer accounts
NR
% of total general-purpose prepaid cards outstanding
for consumer accounts
NR
CdEndConsGft_Rate
Active cards
Total cards
FSA/HSA medical cards
11.a.3
C
CdEndConsMedTotl_Num
Active to total FSA/HSA medical cards outstanding ratio
NR
% of active general-purpose prepaid cards outstanding
for consumer accounts
NR
% of total general-purpose prepaid cards outstanding
for consumer accounts
NR
Active cards
Total cards
11.a.4
Customer refund & incentive cards
C
CdEndConsRfndTotl_Num
Active to total customer refund & incentive cards outstanding
ratio
CdEndConsRfnd_Rate
NR
% of total general-purpose prepaid cards outstanding
for consumer accounts
NR
Active cards
Total cards
Active to total payroll cards outstanding ratio
NR
% of active general-purpose prepaid cards outstanding
for consumer accounts
NR
% of total general-purpose prepaid cards outstanding
for consumer accounts
NR
CdEndConsPyrll_Rate
Active cards
Total cards
Other cards for consumer accounts
CdEndConsOth_Rate
Active to total other cards outstanding for consumer accounts
ratio
NR
% of active general-purpose prepaid cards outstanding
for consumer accounts
NR
% of total general-purpose prepaid cards outstanding
for consumer accounts
NR
Active cards
Total cards
Cards for business/government (commercial) accounts
C 11.b
CdEndBusTotl_Num
CdEndBus_Rate
NR
% of active general-purpose prepaid cards outstanding
for consumer accounts
Payroll cards
11.a.5
C
CdEndConsPyrllTotl_Num
11.a.6
C
CdEndConsOthTotl_Num
NR
% of active general-purpose prepaid cards outstanding
for consumer accounts
Gift cards
CdEndConsMed_Rate
NR
Active to total cards outstanding for business/government
accounts ratio
NR
% of active general-purpose prepaid cards outstanding
NR
% of total general-purpose prepaid cards outstanding
NR
Page 7 of 9
General-Purpose Prepaid Card Processor Payment Survey
Annual Data Entry
Comments:
Page 8 of 9
2024 Data
General-Purpose Prepaid Card Processor Payment Survey
Glossary
Item
Definition
United States: The states, territories, and possessions of the US, the District of Columbia, the
Commonwealth of Puerto Rico, or any political subdivision of any of the foregoing.
1a
Denials/declines: Transaction attempts that receive a denial response by the host authorization
system and do not result in an authorized transaction.
2a
Pre-authorization only: Transactions that are approved but not settled (e.g., the initial amount
which a rental agency, hotel, or fuel dispenser operator receives authorization, but final payment and
amount transfer is never made).
3
Net, authorized & settled transactions: Transactions initiated by the acquirer that are
completed with the final payment amount transferred from the acquirer to the issuer. Such
transactions include those that are subsequently reversed through a chargeback, or other adjustment
or return.
3a
Cash-back at the point of sale: Purchase transactions that include an amount of cash given
back to the card user. A point-of-sale (POS) purchase transaction with cash back is counted as one
transaction.
3b
Chargebacks: Transactions initiated by the issuer that reverse a transaction, in whole or in part,
and transfer value from the acquirer to the issuer (e.g., customer disputes, fraud, processing errors,
authorization issues, or non-fulfillment of copy requests). A chargeback provides the issuer with a
way to return a disputed transaction, typically on behalf of the cardholder.
3b
Adjustments and returns: Transactions initiated by the acquirer that reverse a transaction, in
whole or in part, and transfer value from the acquirer to the issuer (e.g., customer return of goods,
complaints, merchant-identified fraud, duplicate transaction entry).
4
Net, purchase transactions: Transactions that have been authorized and settled. Exclude
denials, transactions that are pre-authorization only, chargebacks, and other adjustments and
returns. For value, also exclude the dollar amount of the cash-back at the point of sale.
11
Total cards: All issued, activated, and unexpired general-purpose prepaid cards (linked to USdomiciled accounts).
11
Active cards: Cards outstanding with a minimum level of purchase activity according to your
organization's definition.
Page 9 of 9
FR 3066b
OMB No. 7100-0351
Approval expires February 29, 2028
The Federal Reserve
Payments Study
Electronic Benefits Transfer Card
Processor Payment Survey
Survey Period:
Calendar Year 2024
Responding to this collection is voluntary. The Federal Reserve may not conduct or sponsor, and an organization is not required to respond to,
a collection of information unless it displays a currently valid OMB control number. 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.
Page 1 of 7
Networks, Processors, and Issuers Payments Surveys (NPIPS)
Electronic Benefits Transfer Card Processor Payment Survey
Instructions
About this survey
This survey, part of the NPIPS, covers electronic benefits transfer (EBT) card transactions that your organization processed for calendar
year 2024 (CY2024). Allocations of transactions are requested for several category types, including transactions classified as fraudulent
by an unauthorized third party. Counts of the number of active and total cards outstanding are also requested.
About the study
This survey and other NPIPS surveys are part of the Federal Reserve Payments Study (FRPS), which is conducted by the Federal
Reserve Bank of Atlanta and the Federal Reserve Board. Your response will be used in combination with peer responses to estimate
national aggregate volumes for CY2024. Aggregate results will be compared to those of previous studies to track changes and identify
trends in US payments.
Confidentiality
Any data 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. If your organization outsourced
payments processing to another organization during CY2024, please request the necessary data from that organization or
provide them with the survey so they may respond on behalf of your organization.
>> Please respond by: June 13, 2025 <<
Data entry
Please enter annual data for CY2024 in the Annual Data Entry tab (i.e., worksheet). If estimated amounts rather than actual amounts are
reported for any item(s), please explain in the comments field at the bottom of the tab. By default, tabs are protected and only cells
needed for data entry are unlocked.
Example
1. Direct data entry (light blue boxes). For numeric data, key in the actual number or dollar amount.
Note: Items left blank can be difficult to interpret and may generate follow-up questions. If a positive amount cannot be provided,
please consider entering one of these alternatives:
* Enter "0" if the requested item is known to be zero. (This is appropriate for items that are not applicable to your organization.)
* Enter "NR" (not reported/not reportable) if the requested item is known to be nonzero but cannot be reported.
Example
2. Automatic entry of calculations or repeated figures (dark blue box). Cells are protected, but different amounts may be entered into the
override cells to the right (yellow box), if necessary. Only positive numeric amounts are valid for override cells.
Override
NR
(Automatic entry cells display "NR" until required information is provided.)
Example
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
Unexpected condition flags
As you fill out the survey, flags may be raised describing the results of simple arithmetic comparisons. These are intended to help you
identify potential mistakes and, if appropriate, correct them. However, it may not always be appropriate to revise data when flags are
raised, and you may choose to leave your response data as is. If that happens, please provide feedback and explanations in the
comments field at the bottom of each tab. Your comments may help us understand your data and avoid the need for follow up.
Conditions that can raise a flag include:
1. Logical inconsistencies: These check for essential arithmetical relationships among items based on survey definitions and structure.
They include adding-up conditions for items and their sub-items, pairing of zeros with nonzeros, and entry of NR when a known
amount is implied by other reported item amounts.
Examples
Item in Q3 is not equal to the sum of subitems: Q3 > Q3.a + Q3.b.
Inconsistent pair: Q3 Balance ($) cannot be 0 if Q3 Number is nonzero.
Item should be reportable if all related items (Q2, Q2.b) are reported.
Note: Leaving items blank will not throw flags. However, consistency problems may still exist when the amount is left blank but is
implied by other related item amounts. Such cases can be checked by entering NR when an item is not reported/not reportable. If
possible, please review your survey workbooks for any blank data-entry cells and replace them before submitting.
2. Exceeding set boundaries: These compare against lower and upper boundaries for averages and ratios. The boundaries are
intended to allow a wide range, but may not be appropriate for your organization.
Glossary
Definitions for selected terms can be found in the Glossary tab.
Submitting the completed survey
Submitted via Intralinks:
Please have your organization's Study Coordinator that established access to an Intralinks account submit this and any other survey
workbooks.
To submit your completed survey, log in to your organization's Intralinks account where you will see a folder labeled with a unique numeric
identifier assigned to your organization. Within this folder are two subfolders – one for submitting your data and the other for retrieving
data that we may send you. Locate the Submit Data folder, and upload your completed survey workbooks on the encrypted Intralinks
platform. Once we receive notification of your submission, acknowledgement of receipt will be sent to you from
[email protected].
Page 2 of 7
Example
This average value is unusually low.
Networks, Processors, and Issuers Payments Surveys (NPIPS)
Electronic Benefits Transfer Card Processor Payment Survey
Instructions
Questions?
If you have questions about the survey content or need assistance with the submission process, please contact the Federal Reserve
Payments Study team at www.paymentsstudy.com.
Comments
Please provide any feedback and suggestions about the survey or submission process in the box below:
Page 3 of 7
Electronic Benefits Transfer Card Processor Payment Survey
2024 Data
Annual Data Entry
Please report data on electronic benefits transfer (EBT) card transactions and related information for calendar year 2024. Responding completely and
accurately will help ensure accuracy of the aggregate estimates.
Include:
* Only EBT cards and transactions to access funds and/or make purchases at approved merchants in
accordance with US government-administered program rules for SNAP, TANF, WIC, and cash benefits
* 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 leave no item blank.
* Enter "0" if an item is zero
* Enter "NR" if an item is nonzero
but cannot be reported
Do not include:
* General-purpose (i.e., network-branded Visa, MC, Amex, Discover) credit, debit, or prepaid card transactions
* Private-lable credit or prepaid card transactions
Definitions for selected terms can be found in the Glossary tab.
Calendar year 2024 EBT card transactions
Tr1
TrnTotl_Val
TrnTotl_Avg
Total transactions
Number
Value ($)
Avg. Value ($)
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of total authorized transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
ATM cash withdrawals
Tr 3.b
TrnCashWdATM_Val
TrnCashWdATM_Avg
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Tr 3.c
TrnAdj_Val
TrnAdj_Avg
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of net, authorized & settled transactions (Number)
NR
NR
NR
NR
Tr 1.a
TrnDcln_Val
TrnDcln_Avg
Tr2
TrnAuth_Val
TrnAuth_Avg
Denials (authorization declined)
Total authorized transactions = 1 - 1.a
Tr 2.a
TrnPreAuth_Val
TrnPreAuth_Avg
Pre-authorization only (authorized but not settled)
Net, authorized & settled transactions = 2 - 2.a
Tr3
TrnNAST_Val
TrnNAST_Avg
Tr 3.a
TrnCashBack_Val
TrnCashBack_Avg
Tr4
TrnNPT_Val
TrnNPT_Avg
Cash-back at the point of sale
Adjustments and returns
Net, purchase transactions = 3 - 3.a - 3.b - 3.c
Preferred basis for reporting
payment transactions
5
Among the different subtotals of payment transactions listed above, which would you prefer
to use to report more detailed allocations of payment transactions below? If possible, please
use 3 . Net, authorized & settled transaction s (the default selection).
2. Total authorized transactions
3. Net, authorized & settled transactions
4. Net, purchase transactions
Transactions by channel
Tr6
Trn_Val
Net, authorized & settled transactions = 6.a + 6.b
Trn_Avg
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Tr 6.a
Tr
TrnPpr_Avg
In-person transactions
Transactions the card user initiates by interacting with a physical terminal or other
device provided by the merchant or payee, usually with an EBT card or a mobile
device accessing EBT funds for SNAP or WIC. 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.
Number
Value ($)
Avg. Value ($)
%of net, authorized & settled transactions (Number)
NR
NR
Tr 6.b
Tr
TrnRmt_Avg
Remote transactions (card user not at merchant location) = 6.b.1 + 6.b.2
Transactions for which the card user does not interact with a physical terminal or other
device provided by the merchant or payee. Typically, these include card-not-present
transactions. Also include any remote transactions classified as card-present solely
because of the level of authentication.
Number
Value ($)
Avg. Value ($)
%of net, authorized & settled transactions (Number)
NR
NR
Page 4 of 7
Electronic Benefits Transfer Card Processor Payment Survey
2024 Data
Annual Data Entry
Tr
6.b.1
TrnRmtStore_Val
TrnRmtStore_Avg
Buy online (order and payment)/pick up in store, curbside, or locker
6.b.2
Tr
TrnRmtOth_Val
TrnRmtOth_Avg
Other remote transactions (no store pickup)
Number
Value ($)
Avg. Value ($)
% of remote transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of remote transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
%of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
%of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
%of net, authorized & settled transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
%of net, authorized & settled transactions (Number)
NR
NR
Transactions by government-administered program type
Tr7
TrnRept_Val
TrnRept_Avg
Net, authorized & settled transactions (repeat item 6) = 7.a + 7.b + 7.c + 7.d
Tr 7.a
TrnSNAP_Val
TrnSNAP_Avg
SNAP
Tr 7.b
TrnWIC_Val
TrnWIC_Avg
WIC
Tr 7.c
TrnTANF_Val
TrnTANF_Avg
TANF
Tr 7.d
TrnOth_Val
TrnOth_Avg
Other
e.g., state and federal programs with cash benefits including Social Security and
unemployment
Third-party fraudulent transactions
Preferred basis for reporting thirdparty fraudulent transactions
8
Fr9
Fr
Fr
Some organizations may track third-party fraudulent transactions differently than payment
transactions. On which basis would you prefer to report third-party fraudulent transactions
below? If possible, please use 3 . Net, authorized & settled transactions (the default
selection).
Third-party fraudulent transactions (based on 3. Net, authorized & settled
transactions) = 9.a + 9.b + 9.c + 9.d + 9.e + 9.f
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.
Fr 9.a
FrdLost_Val
FrdLost_Avg
Lost or stolen card
Fr 9.b
FrdNotRecv_Val
FrdNotRecv_Avg
Card issued but not received
Fr 9.c
FrdAppl_Val
FrdAppl_Avg
Fraudulent application (account issued to someone using a fake identity)
Fr 9.d
FrdCntft_Val
FrdCntft_Avg
Counterfeit card (card-present/stolen card data)
Fr 9.e
FrdAcctNum_Val
FrdAcctNum_Avg
Fraudulent use of account number (card-not-present/stolen card data)
Fr 9.f
FrdOth_Val
FrdOth_Avg
Other (including account takeover)
Page 5 of 7
2. Total authorized transactions
3. Net, authorized & settled transactions
4. Net, purchase transactions
Number
Value ($)
Avg. Value ($)
Fraud rate (Number)
Fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Electronic Benefits Transfer Card Processor Payment Survey
2024 Data
Annual Data Entry
Third-party fraudulent transactions by channel
Fr10
Third-party fraudulent transactions (repeat item 9) = 10a + 10b
FrdRept_Val
FrdRept_Avg
FrdRept_Num_Rate
FrdRept_Val_Rate
Fr 10.a
Fr
FrdPpr_Avg
FrdPpr_Num_R
FrdPpr_Val_Rat
In-person transactions
Fraudulent transactions the card user initiates by interacting with a physical terminal or
other device provided by the merchant or payee, usually with an EBT card or a mobile
device accessing EBT funds for SNAP or WIC. Also include fraudulent card-notpresent 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 cardpresent solely because of the level of authentication.
Fr 10.b
Fr
FrdRmt_Avg
FrdRmt_Num_R
FrdRmt_Val_Ra
Remote transactions (card user not at merchant location) = 10b.1 + 10b.2
Fraudulent transactions for which the card user does not interact with a physical
terminal or other device provided by the merchant or payee. 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.
Fr
10.b.1
FrdRmtStore_Val
FrdRmtStore_Avg
Buy online (order and payment)/pick up in store, curbside, or locker
Number
Value ($)
Avg. Value ($)
Fraud rate (Number)
Fraud rate (Value)
NR
NR
NR
NR
NR
Number
Value ($)
Avg. Value ($)
In-person transactions fraud rate (Number)
In-person transactions fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
Remote transactions fraud rate (Number)
Remote transactions fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
NR
FrdRmtStore_Num_Rate
Buy online/pick up in store, curbside, or locker fraud rate
(Number)
NR
FrdRmtStore_Val_Rate
Buy online/pick up in store, curbside, or locker fraud rate
(Value)
NR
Fr
10.b.2
FrdRmtOth_Val
FrdRmtOth_Avg
FrdRmtOth_Num_Rate
FrdRmtOth_Val_Rate
Other remote transactions (no store pickup)
Number
Value ($)
Avg. Value ($)
Other remote transactions fraud rate (Number)
Other remote transactions fraud rate (Value)
NR
NR
NR
Active cards
Total cards
Active to total EBT cards outstanding ratio
NR
Active cards
Total cards
Active to total SNAP cards outstanding ratio
% of active EBT cards outstanding
% of total EBT cards outstanding
NR
NR
NR
Active cards
Total cards
Active to total WIC cards outstanding ratio
% of active EBT cards outstanding
% of total EBT cards outstanding
NR
NR
NR
Active cards
Total cards
Active to total TANF cards outstanding ratio
% of active EBT cards outstanding
% of total EBT cards outstanding
NR
NR
NR
Active cards
Total cards
Active to total other EBT cards outstanding ratio
% of active EBT cards outstanding
% of total EBT cards outstanding
NR
NR
NR
Number of cards outstanding
Number of active and total EBT cards outstanding as of December 31, 2024
C 11
CdEndTotl_Num= 11.a + 11.b + 11.c + 11.d
CdEnd_Rate
C 11.a
SNAP
CdEndSNAPTotl_Num
CdEndSNAP_Rate
WIC
C 11.b
CdEndWICTotl_Num
CdEndWIC_Rate
TANF
C 11.c
CdEndTANFTotl_Num
CdEndTANF_Rate
C 11.d
C
CdEndOth_Rate
Other
E.g., state and federal programs with cash benefits including Social Security and
unemployment
Comments:
Page 6 of 7
Electronic Benefits Transfer Card Processor Payment Survey
Glossary
Item
Definition
United States: The states, territories, and possessions of the US, the District of Columbia, the Commonwealth
of Puerto Rico, or any political subdivision of any of the foregoing
1a
Denials/declines: Transaction attempts that receive a denial response by the host authorization system and
do not result in an authorized transaction.
2a
Pre-authorization only: Transactions that are approved but not settled (e.g., the initial amount receives
authorization, but final payment and amount transfer is never made).
3
Net, authorized & settled transactions: Transactions initiated by the acquirer that are completed with the
final payment amount transferred from the acquirer to the issuer. Such transactions include those that are
subsequently reversed through a chargeback, or other adjustment or return.
3a
Cash-back at the point of sale: Purchase transactions that include an amount of cash given back to the
card user. For EBT, these are often treated as separate transactions.
4
Net, purchase transactions: Purchase transactions that have been authorized and settled. Exclude
denials, transactions that are pre-authorization only, separate cash-back at the point of sale, ATM cash
withdrawals, chargebacks, other adjustments and returns.
9a
Lost or stolen card: Fraudulent transactions via a card reported as lost or stolen.
9b
Card issued but not received: Fraudulent transactions reported to be via an intercepted new or
replacement card in transit that was activated by someone other than the cardholder.
9c
Fraudulent application: Fraudulent transactions reported to be via a new card that was issued to someone
other than the cardholder using falsified information or a stolen identity.
9d
Counterfeit card: Fraudulent in-person transactions via an altered or cloned card.
9e
Fraudulent use of account number: Fraudulent transactions using account number and other card and
cardholder details, typically remotely.
9f
Other (including account takeover): All other fraudulent transactions not included the above categories.
In particular, "other" covers account takeover, a form of identity theft whereby an unauthorized party gains access
to and use of an existing card account.
11
Total cards: All issued, activated, and unexpired EBT cards (linked to US-domiciled accounts).
11
Active cards: Cards outstanding with a minimum level of purchase activity according to your organization's
definition.
Page 7 of 7
FR 3066b
OMB No. 7100-0351
Approval expires February 29, 2028
The Federal Reserve
Payments Study
Private-Label Prepaid Card
Issuer and Processor Payment Survey
Survey Period:
Calendar Year 2024
Responding to this collection is voluntary. The Federal Reserve may not conduct or sponsor, and an organization is not required to respond to, a
collection of information unless it displays a currently valid OMB control number. 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.
Page 1 of 9
Networks, Processors, and Issuers Payments Surveys (NPIPS)
Private-Label Prepaid Card Issuer and Processor Payment Survey
Instructions
About this survey
This survey, part of the NPIPS, covers private-label prepaid card transactions (for both payment and card funding) that your organization
processed in-house for calendar year 2024 (CY2024). Allocations of transactions are requested for several category types, including
transactions classified as fraudulent by an unauthorized third party. Counts of the number of active and total cards (including both physical
and virtual cards) that are issued and/or processed by your organization and outstanding are also requested.
About the study
This survey and other NPIPS surveys are part of the Federal Reserve Payments Study (FRPS), which is conducted by the Federal Reserve
Bank of Atlanta and the Federal Reserve Board. Your response will be used in combination with peer responses to estimate national
aggregate volumes for CY2024. Aggregate results will be compared to those of previous studies to track changes and identify trends in US
payments.
Confidentiality
Any data 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. If your organization outsourced payments
processing to another organization during CY2024, please request the necessary data from that organization or provide them with the
survey so they may respond on behalf of your organization.
>> Please respond by: June 13, 2025 <<
Data entry
Please enter annual data for CY2024 in the Annual Data Entry tab (i.e., worksheet). If estimated amounts rather than actual amounts are
reported for any item(s), please explain in the comments field at the bottom of the tab. By default, tabs are protected and only cells needed for
data entry are unlocked.
Example
1. Direct data entry (light blue boxes). For numeric data, key in the actual number or dollar amount.
Note: Items left blank can be difficult to interpret and may generate follow-up questions. If a positive amount cannot be provided, please
consider entering one of these alternatives:
* Enter "0" if the requested item is known to be zero. (This is appropriate for items that are not applicable to your organization.)
* Enter "NR" (not reported/not reportable) if the requested item is known to be nonzero but cannot be reported.
Example
2. Automatic entry of calculations or repeated figures (dark blue box). Cells are protected, but different amounts may be entered into the
override cells to the right (yellow box), if necessary. Only positive numeric amounts are valid for override cells.
Override
NR
(Automatic entry cells display "NR" until required information is provided.)
Example
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
Unexpected condition flags
As you fill out the survey, flags may be raised describing the results of simple arithmetic comparisons. These are intended to help you identify
potential mistakes and, if appropriate, correct them. However, it may not always be appropriate to revise data when flags are raised, and you
may choose to leave your response data as is. If that happens, please provide feedback and explanations in the comments field at the bottom
of each tab. Your comments may help us understand your data and avoid the need for follow up.
Conditions that can raise a flag include:
1. Logical inconsistencies: These check for essential arithmetical relationships among items based on survey definitions and structure.
They include adding-up conditions for items and their sub-items, pairing of zeros with nonzeros, and entry of NR when a known amount is
implied by other reported item amounts.
Examples
Item in Q3 is not equal to the sum of subitems: Q3 > Q3.a + Q3.b.
Inconsistent pair: Q3 Balance ($) cannot be 0 if Q3 Number is nonzero.
Item should be reportable if all related items (Q2, Q2.b) are reported.
Note: Leaving items blank will not throw flags. However, consistency problems may still exist when the amount is left blank but is implied
by other related item amounts. Such cases can be checked by entering NR when an item is not reported/not reportable. If possible, please
review your survey workbooks for any blank data-entry cells and replace them before submitting.
2. Exceeding set boundaries: These compare against lower and upper boundaries for averages and ratios. The boundaries are intended to
allow a wide range, but may not be appropriate for your organization.
Glossary
Definitions for selected terms can be found in the Glossary tab.
Submitting the completed survey
Submitted via Intralinks:
Please have your organization's Study Coordinator that established access to an Intralinks account submit this and any other survey
workbooks.
To submit your completed survey, log in to your organization's Intralinks account where you will see a folder labeled with a unique numeric
identifier assigned to your organization. Within this folder are two subfolders – one for submitting your data and the other for retrieving data
that we may send you. Locate the Submit Data folder, and upload your completed survey workbooks on the encrypted Intralinks platform.
Once we receive notification of your submission, acknowledgement of receipt will be sent to you from [email protected].
Questions?
If you have questions about the survey content or need assistance with the submission process, please contact the Federal Reserve
Payments Study team at www.paymentsstudy.com.
Page 2 of 9
Example
This average value is unusually low.
Networks, Processors, and Issuers Payments Surveys (NPIPS)
Private-Label Prepaid Card Issuer and Processor Payment Survey
Instructions
Comments
Please provide any feedback and suggestions about the survey or submission process in the box below:
Page 3 of 9
Private-Label Prepaid Card Issuer and Processor Payment Survey
2024 Data
Annual Data Entry
Please report data on private-lable prepaid card transactions and related information for calendar year 2024. Responding completely and accurately will help
ensure accuracy of the aggregate estimates.
Include:
* Only private-label prepaid cards and transactions under a single merchant brand or group of brands
* Transactions on a closed loop point-of-sale system used at your retail stores or online establishments
* Reloadable and non-reloadable cards and transactions
* Cards and transactions for accounts domiciled in the United States
* Physical or virtual prepaid cards
Please leave no item blank.
* Enter "0" if an item is zero
* Enter "NR" if an item is nonzero
but cannot be reported
Do not include:
* General-purpose (i.e., network-branded Visa, MC, Amex, Discover) credit, debit, or prepaid card transactions
* Transactions for which your organization was only the receivables owner but not the transaction processor
* Any fees charged to the prepaid card accounts (e.g., monthly transaction fees, dormancy fees)
* Transactions originated from foreign accounts
* Card funding transactions (requested separately in question 9)
Definitions for selected terms can be found in the Glossary tab.
Calendar year 2024 private-label prepaid card transactions
Tr1
TrnTotl_Val
TrnTotl_Avg
Total transactions
Do not include card funding transactions (requested separately in question 9) or fees charged
to the cards (e.g., monthly transaction fees, dormancy fees).
Tr 1.a
Denials (authorization declined)
TrnDcln_Val
TrnDcln_Avg
Tr2
Total authorized transactions = 1 - 1.a
TrnAuth_Val
TrnAuth_Avg
Tr 2.a
Pre-authorization only (authorized but not completed or posted)
TrnPreAuth_Val
TrnPreAuth_Avg
Tr3
Completed transactions (posted to card accounts) = 2 - 2.a
Trn_Val
Trn_Avg
Tr 3.a
Cash-back at the point of sale
TrnCashBack_Val
TrnCashBack_Avg
Tr 3.b
Adjustments and returns
TrnAdj_Val
TrnAdj_Avg
Tr4
TrnNPT_Val
TrnNPT_Avg
Net, purchase transactions
= 3 - 3.b for Number, = 3 - 3.a - 3.b 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.
Page 4 of 9
Number
Value ($)
Avg. Value ($)
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of total authorized transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
NR
NR
Private-Label Prepaid Card Issuer and Processor Payment Survey
2024 Data
Annual Data Entry
Transactions by channel
Tr5
Completed transactions (repeat item 3) = 5.a + 5.b
TrnRept1_Val
TrnRept1_Avg
Tr 5.a
In-person transactions = 5.a.1 + 5.a.2 + 5.a.3
Transactions the card user initiates by interacting with a physical terminal or other device
provided by the merchant or payee, usually with a card or mobile device. Also include
card-not-present transactions for which the card user is present at the point of sale (e.g.,
key-entered transactions). Do not include remote transactions classified as card-present
solely because of the level of authentication.
TrnPpr_Val
TrnPpr_Avg
Tr
5.a.1
Transactions initiated using a merchant-issued card or token
TrnPprTkn_Val
TrnPprTkn_Avg
Tr
5.a.2
Transactions initiated using an app on a mobile device
= 5.a.2.1 + 5.a.2.2
TrnPprMob_Val
TrnPprMob_Avg
Tr
5.a.2.1
Transactions initiated using a barcode or QR code
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of in-person transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of in-person transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
TrnPprMobBarcode_Val
TrnPprMobBarcode_Avg
% of transactions initiated using an app on a mobile device
(Number)
Tr
5.a.2.2
Other transactions using an app on a mobile device
Number
Value ($)
Avg. Value ($)
TrnPprMobOth_Val
TrnPprMobOth_Avg
% of transactions initiated using an app on a mobile device
(Number)
Tr
5.a.3
Other (including instant credit or lookup of account number)
TrnPprOth_Val
TrnPprOth_Avg
Tr 5.b
Remote transactions (card user not at merchant location) = 5.b.1 + 5.b.2
Transactions for which the card user does not interact with a physical terminal or other
device provided by the merchant or payee. Typically, these include card-not-present
transactions. Also include any remote transactions classified as card-present solely
because of the level of authentication.
TrnRmt_Val
TrnRmt_Avg
Tr
5.b.1
Buy online (order and payment)/pick up in store, curbside, or locker
TrnRmtStore_Val
TrnRmtStore_Avg
Tr
5.b.2
Other remote transactions (no store pickup)
TrnRmtOth_Val
TrnRmtOth_Avg
NR
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of in-person transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of remote transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of remote transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Transactions with reloadable or non-reloadable cards
Tr6
Completed transactions (repeat item 3) = 6.a + 6.b
TrnRept2_Val
TrnRept2_Avg
Tr 6.a
Transactions with reloadable cards
TrnRld_Val
TrnRld_Avg
Tr 6.b
Transactions with non-reloadable cards
TrnNonRld_Val
TrnNonRld_Avg
Page 5 of 9
Private-Label Prepaid Card Issuer and Processor Payment Survey
2024 Data
Annual Data Entry
Transactions with purchased or redemption cards
Tr7
Completed transactions (repeat item 3) = 7.a + 7.b
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Transactions with purchased cards
Transactions with cards issued through a purchase or initial load using funds provided
by customer, such as a gift card.
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Transactions with redemption (refund or incentive) cards
Transactions with cards issued to provide funds from the merchant to the customer,
such as for the disbursement of refunds for returned merchandise or for customer
incentives such as rebates.
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
Fraud rate (Number)
Fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of third-party fraudulent transactions (Number)
NR
NR
TrnRept3_Val
TrnRept3_Avg
Tr 7.a
TrnPrchCd_Val
TrnPrchCd_Avg
Tr 7.b
TrnRdmptCd_Va
TrnRdmptCd_Av
Third-party fraudulent transactions
Fr8
Frd_Val
Frd_Avg
Frd_Num_Rate
Frd_Val_Rate
Third-party fraudulent transactions = 8.a + 8.b + 8.c + 8.d + 8.e + 8.f
Include all unauthorized third-party fraudulent transactions that cleared and settled for which
funds subsequently became available to the perpetrator. Do not include fraud attempts that
were prevented before they were cleared and settled, or fraud committed by the
accountholder or other users authorized to make payments.
Fr 8.a
Lost or stolen card
FrdLost_Val
FrdLost_Avg
Fr 8.b
Card issued but not received
FrdNotRecv_Val
FrdNotRecv_Avg
Fr 8.c
Fraudulent application (account issued to someone using a fake identity)
FrdAppl_Val
FrdAppl_Avg
Fr 8.d
Counterfeit card (card-present/stolen card data)
FrdCntft_Val
FrdCntft_Avg
Fr 8.e
Fraudulent use of account number (card-not-present/stolen card data)
FrdAcctNum_Val
FrdAcctNum_Avg
Fr 8.f
Other (including account takeover)
FrdOth_Val
FrdOth_Avg
Card funding by customer or merchant - how value was loaded into card account
Cd9
Total credits/loads = 9.a + 9.b
Number
Value ($)
Avg. Value ($)
Total credits/loads to completed transactions ratio (Value)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total credits/loads (Value)
NR
NR
Initial loads
Number of newly purchased and issued cards and initial balances on the
associated card accounts.
Number
Value ($)
Avg. Value ($)
% of funds loaded by customers (Value)
NR
NR
Reloads
Number of times and corresponding amounts of additional funds added to existing
card accounts.
Number
Value ($)
Avg. Value ($)
% of funds loaded by customers (Value)
NR
NR
CdFnd_Val
CdFnd_Avg
CdFnd_Rate
Cd 9.a
Funds loaded by customers = 9.a.1 + 9.a.2
CdFndCust_Val
CdFndCust_Avg
Cd
9.a.1
CdFndCustIniLd_
CdFndCustIniLd_
Cd
9.a.2
CdFndCustRld_V
CdFndCustRld_A
Page 6 of 9
Private-Label Prepaid Card Issuer and Processor Payment Survey
2024 Data
Annual Data Entry
Cd 9.b
Credits/loads provided by merchants (e.g., incentives, rewards, rebates)
Number
Value ($)
Avg. Value ($)
% of total credits/loads (Value)
CdFndMerch_Val
CdFndMerch_Avg
NR
NR
Virtual cards
10
Please indicate if your organization issued or processed transactions for virtual privatelabel prepaid cards during calendar year 2024.
A virtual card is a digital representation of a private-label prepaid card that does not exist in
physical form. Typically stored in a digital wallet for online, in-app, or in-person purchases with
a mobile device (using NFC or barcode scanner). Do not count individual tokenized
transactions as virtual cards .
Yes
No
Don't know
Number of cards outstanding
Active cards
Total cards
Cd11
Number of active and total private-label prepaid cards outstanding
CdEndTotl_Num as of December 31, 2024 = 11.a + 11.b
CdEnd_Rate
Active to total private-label prepaid cards outstanding ratio
Cd 11.a
Virtual cards (digital cards with no associated physical card)
CdEndVirtualTotl_Num
Active cards
Total cards
CdEndVirtual_Rate
Active to total virtual private-label prepaid cards outstanding
ratio
NR
% of active private-label prepaid cards outstanding
% of total private-label prepaid cards outstanding
NR
NR
Active cards
Total cards
Physical cards
Cd 11.b
CdEndPhysicalTotl_Num
CdEndPhysical_Rate
Number of active and total private-label prepaid cards outstanding
Cd12
CdEndTotlRept_ as of December 31, 2024 (repeat item 11) = 12.a + 12.b
CdEndRept_Rate
Cd 12.a
CdEndRldTotl_Num
Active to total physical private-label prepaid cards outstanding
ratio
NR
% of active private-label prepaid cards outstanding
% of total private-label prepaid cards outstanding
NR
NR
Active cards
Total cards
NR
NR
NR
Active to total private-label prepaid cards outstanding ratio
Active cards
Total cards
Reloadable cards
CdEndRld_Rate
Active to total reloadable private-label prepaid cards
outstanding ratio
NR
% of active private-label prepaid cards outstanding
% of total private-label prepaid cards outstanding
NR
NR
Active cards
Total cards
Non-reloadable cards
Cd 12.b
CdEndNonRldTotl_Num
CdEndNonRld_Rate
NR
Active to total non-reloadable private-label prepaid cards
outstanding ratio
NR
% of active private-label prepaid cards outstanding
% of total private-label prepaid cards outstanding
NR
NR
Comments:
Page 7 of 9
Private-Label Prepaid Card Issuer and Processor Payment Survey
Glossary
Item
Definition
United States: The states, territories, and possessions of the US, the District of Columbia, the Commonwealth of
Puerto Rico, or any political subdivision of any of the foregoing.
Virtual cards: A virtual card is a digital representation of a private-label prepaid card that does not exist in physical
form. Typically stored in a digital wallet for online, in-app, or in-person purchases with a mobile device (using NFC or
barcode scanner). Do not count individual tokenized transactions as virtual cards.
1a
Denials/declines: Transaction attempts that receive a denial response by the host authorization system and do not
result in an authorized transaction.
2a
Pre-authorization only: Transactions that are temporarily authorized but not completed or posted, or the portion
of authorized amounts that are not included in a final posting.
3
Completed transactions: Purchase transactions (including any cash-back) that are completed and posted to the
private-label card account for payment. Such transactions include those that are subsequently reversed in an
adjustment or return requested by the merchant or cardholder, defined below.
3a
Cash-back at the point of sale: Purchase transactions that include an amount of cash given back to the card
user. A point-of-sale (POS) purchase transaction with cash back is counted as one transaction.
3b
Adjustments and returns: Completed and posted transactions that are subsequently reversed, in whole or in
part, and that transfer value back to the card account (e.g., customer return of goods, complaints, disputed charges,
fraud, duplicate transaction entry).
4
Net, purchase transactions: Completed purchase transactions that have not been reversed. Exclude denials,
transactions that are pre-authorization only, and adjustments and returns defined above. For value, also exclude the
dollar amount of the cash-back at the point of sale.
8a
Lost or stolen card: Fraudulent transactions via a card reported as lost or stolen.
8b
Card issued but not received: Fraudulent transactions reported to be via an intercepted new or replacement
card in transit that was activated by someone other than the cardholder.
8c
Fraudulent application: Fraudulent transactions reported to be via a new card that was issued to someone other
than the cardholder using falsified information or a stolen identity.
8d
Counterfeit card: Fraudulent in-person transactions via an altered or cloned card.
8e
Fraudulent use of account number: Fraudulent transactions using account number and other card and
cardholder details, typically remotely.
8f
Other (including account takeover): All other fraudulent transactions not included the above categories. In
particular, "other" covers account takeover, a form of identity theft whereby an unauthorized party gains access to and
use of an existing card account.
Page 8 of 9
Private-Label Prepaid Card Issuer and Processor Payment Survey
Glossary
Item
Definition
11
Total cards: All issued, activated, and unexpired private-label prepaid cards (linked to US-domiciled accounts).
11
Active cards: Private-label prepaid cards outstanding with a minimum level of purchase activity according to your
organization's definition.
11b
Physical cards: A physical private-label prepaid card with a magstripe and/or chip that is issued to the customer for
making purchases in person.
Page 9 of 9
FR 3066b
OMB No. 7100-0351
Approval expires February 29, 2028
The Federal Reserve
Payments Study
Person-to-Person and Money Transfer
Processor Payment Survey
Survey Period:
Calendar Year 2024
Responding to this collection is voluntary. The Federal Reserve may not conduct or sponsor, and an organization is not required to respond to,
a collection of information unless it displays a currently valid OMB control number. 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.
Page 1 of 8
Networks, Processors, and Issuers Payments Surveys (NPIPS)
Person-to-Person and Money Transfer Processor Payment Survey
Instructions
About this survey
This survey, part of the NPIPS, covers person-to-person (P2P) and money transfer thansactions that your organization processed for
calendar year 2024 (CY2024). Allocations of transactions are requested for several category types, including transactions classified as
fraudulent by an unauthorized third party.
About the study
This survey and other NPIPS surveys are part of the Federal Reserve Payments Study (FRPS), which is conducted by the Federal
Reserve Bank of Atlanta and the Federal Reserve Board. Your response will be used in combination with peer responses to estimate
national aggregate volumes for CY2024. Aggregate results will be compared to those of previous studies to track changes and identify
trends in US payments.
Confidentiality
Any data 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. If your organization outsourced
payments processing to another organization during CY2024, please request the necessary data from that organization or
provide them with the survey so they may respond on behalf of your organization.
>> Please respond by: June 13, 2025 <<
Data entry
Please enter annual data for CY2024 in the Annual Data Entry tab (i.e., worksheet). If estimated amounts rather than actual amounts are
reported for any item(s), please explain in the comments field at the bottom of the tab. By default, tabs are protected and only cells
needed for data entry are unlocked.
Example
1. Direct data entry (light blue boxes). For numeric data, key in the actual number or dollar amount.
Note: Items left blank can be difficult to interpret and may generate follow-up questions. If a positive amount cannot be provided,
please consider entering one of these alternatives:
* Enter "0" if the requested item is known to be zero. (This is appropriate for items that are not applicable to your organization.)
* Enter "NR" (not reported/not reportable) if the requested item is known to be nonzero but cannot be reported.
Example
2. Automatic entry of calculations or repeated figures (dark blue box). Cells are protected, but different amounts may be entered into the
override cells to the right (yellow box), if necessary. Only positive numeric amounts are valid for override cells.
Override
NR
(Automatic entry cells display "NR" until required information is provided.)
Unexpected condition flags
As you fill out the survey, flags may be raised describing the results of simple arithmetic comparisons. These are intended to help you
identify potential mistakes and, if appropriate, correct them. However, it may not always be appropriate to revise data when flags are
raised, and you may choose to leave your response data as is. If that happens, please provide feedback and explanations in the
comments field at the bottom of each tab. Your comments may help us understand your data and avoid the need for follow up.
Conditions that can raise a flag include:
1. Logical inconsistencies: These check for essential arithmetical relationships among items based on survey definitions and structure.
They include adding-up conditions for items and their sub-items, pairing of zeros with nonzeros, and entry of NR when a known
amount is implied by other reported item amounts.
Examples
Item in Q3 is not equal to the sum of subitems: Q3 > Q3.a + Q3.b.
Inconsistent pair: Q3 Balance ($) cannot be 0 if Q3 Number is nonzero.
Item should be reportable if all related items (Q2, Q2.b) are reported.
Note: Leaving items blank will not throw flags. However, consistency problems may still exist when the amount is left blank but is
implied by other related item amounts. Such cases can be checked by entering NR when an item is not reported/not reportable. If
possible, please review your survey workbooks for any blank data-entry cells and replace them before submitting.
2. Exceeding set boundaries: These compare against lower and upper boundaries for averages and ratios. The boundaries are
intended to allow a wide range, but may not be appropriate for your organization.
Glossary
Definitions for selected terms can be found in the Glossary tab.
Submitting the completed survey
Submitted via Intralinks:
Please have your organization's Study Coordinator that established access to an Intralinks account submit this and any other survey
workbooks.
To submit your completed survey, log in to your organization's Intralinks account where you will see a folder labeled with a unique numeric
identifier assigned to your organization. Within this folder are two subfolders – one for submitting your data and the other for retrieving
data that we may send you. Locate the Submit Data folder, and upload your completed survey workbooks on the encrypted Intralinks
platform. Once we receive notification of your submission, acknowledgement of receipt will be sent to you from
[email protected].
Questions?
If you have questions about the survey content or need assistance with the submission process, please contact the Federal Reserve
Payments Study team at www.paymentsstudy.com.
Page 2 of 8
Example
This average value is unusually low.
Networks, Processors, and Issuers Payments Surveys (NPIPS)
Person-to-Person and Money Transfer Processor Payment Survey
Instructions
Comments
Please provide any feedback and suggestions about the survey or submission process in the box below:
Page 3 of 8
Person-to-Person and Money Transfer Processor Payment Survey
2024 Data
Annual Data Entry
Please report data on person-to-person (P2P) and money transer transactions and related information for calendar year 2024. Responding completely and
accurately will help ensure accuracy of the aggregate estimates.
Include:
* Only transactions originated on your P2P or money transfer system, including those received on another system
* Funds transfers typically between individuals, usually feature an online system, agent, email or mobilephone-based system
Please leave no item blank.
* Enter "0" if an item is zero
* Enter "NR" if an item is nonzero
but cannot be reported
Do not include:
* Transactions made from non-US-domiciled accounts to US payees (requested separately in questions 8 and 13)
Note: P2P & Money Transfers are generally initiated by the payer (i.e., "push" transactions). Sometimes a transfer requires an action by the payee to receive
the transfer, such as an acceptance or request (i.e., a "pull" transaction). Do not count the receipt or pull of a transaction separately from its origination or
push, or count a transaction originated on another system and received on yours. If you cannot separate the originated transactions on your system from the
available data, please provide your estimate of the P2P and money transfer transactions originated on your system and indicate that it is an estimate in the
comment box at the bottom of this sheet.
Definitions for selected terms can be found in the Glossary tab.
Calendar year 2024 person-to-person & money transfer transactions
Total transactions
Do not include declined transactions.
Number
Value ($)
Avg. Value ($)
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Cash or check
Tr 4.a
TrnFndCashChk_Val
TrnFndCashChk_Avg
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
General-purpose card network (credit, debit, or prepaid card)
Tr 4.b
TrnFndGPCdNtwk_Val
TrnFndGPCdNtwk_Avg
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Tr1
Trn_Val
Trn_Avg
Transactions by payee location
Tr2
Total transactions (repeat item 1) = 2.a + 2.b
TrnRept1_Val
TrnRept1_Avg
Tr 2.a
TrnDom_Val
TrnDom_Avg
Domestic transactions from US-domiciled accounts
(payees within the US)
Tr 2.b
TrnFrgn_Val
TrnFrgn_Avg
Cross-border transactions from US-domiciled accounts
(payees outside the US)
Transactions by origination channel (how the customer accesses the P2P system)
Tr3
Total transactions (repeat item 1) = 3.a + 3.b + 3.c + 3.d
TrnRept2_Val
TrnRept2_Avg
Tr 3.a
TrnOrigWeb_Val
TrnOrigWeb_Avg
Website
Tr 3.b
TrnOrigMob_Val
TrnOrigMob_Avg
Mobile phone (via an application or text message)
Tr 3.c
TrnOrigPpr_Val
TrnOrigPpr_Avg
In person (via agent location, kiosk or ATM)
Tr 3.d
TrnOrigOth_Val
TrnOrigOth_Avg
All other
Transaction funding by instrument (how the customer pays for the transfer)
Tr4
Total transactions (repeat item 1) = 4.a + 4.b + 4.c + 4.d + 4.e
TrnRept3_Val
TrnRept3_Avg
Page 4 of 8
Person-to-Person and Money Transfer Processor Payment Survey
2024 Data
Annual Data Entry
Tr 4.c
TrnFndACH_Val
TrnFndACH_Avg
Automated clearinghouse transfer (ACH debit or credit)
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Internal prefunded/prepaid account or internal book transfer
Tr 4.d
TrnFndPpdBkTransf_Val
TrnFndPpdBkTransf_Avg
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Tr 4.e
TrnFndOth_Val
TrnFndOth_Avg
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
All other (e.g., wire, RTP system)
Transactions by disbursement system (how funds are transferred to the beneficiary)
Tr5
Total transactions (repeat item 1) = 5.a + 5.b + 5.c + 5.d + 5.e + 5.f
TrnRept4_Val
TrnRept4_Avg
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Tr
5.a.1
Same-day ACH
Interbank funds are transferred the same day the transaction is submitted.
TrnFndFwdACH
TrnFndFwdACHSameDay_Avg
Number
Value ($)
Avg. Value ($)
% of automated clearinghouse (ACH) transactions (Number)
NR
NR
Tr
5.a.2
TrnFndFwdACH
TrnFndFwdACH
All other ACH
Interbank funds are transferred one or more days after the transaction is
submitted.
Number
Value ($)
Avg. Value ($)
% of automated clearinghouse (ACH) transactions (Number)
NR
NR
General-purpose card network (debit, prepaid, or credit)
Tr 5.b
Sometimes called original credit transactions (OCTs) or push payment credits
TrnFndFwdGPC
TrnFndFwdGPCdNtwk_Avg
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Tr 5.c
Wire (CHIPS, FedWire) or instant payment (RTP, FedNow) system
Interbank funds are transferred in real-time to beneficiary's deposit account.
TrnFndFwdWire
TrnFndFwdWire_Avg
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Tr 5.d
Internal book transfer
Funds are transferred to beneficiary's account on the books of your organization.
TrnFndFwdBkTr
TrnFndFwdBkTransf_Avg
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Tr 5.e
TrnFndFwdChk_
TrnFndFwdChk_
Check
A check is sent to the beneficiary. Funds are transferred once deposited or cashed.
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Tr 5.f
All other including on-demand cash from agent or teller
Funds are made available via a transfer to a third party on the beneficiary's behalf, or
via a system not listed.
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Automated clearinghouse (ACH) = 5.a.1 + 5.a.2
Tr 5.a
Transfers to beneficiary's deposit account are submitted via an ACH entry.
TrnFndFwdACH
TrnFndFwdACH_Avg
TrnFndFwdOth_
TrnFndFwdOth_
Transactions by disbursement speed (how quickly funds are made available to the beneficiary)
Tr6
Total transactions (repeat item 1) = 6.a + 6.b
TrnRept5_Val
TrnRept5_Avg
Tr 6.a
TrnFndFwdSpdI
TrnFndFwdSpdI
Immediate transactions
Funds are sent with real-time or near-real-time availability to beneficiary. We assume
such funds are typically made available within 30 minutes or less. (If your organization
uses a different standard, please describe in the comments field at the end of this
form.)
All other
Tr 6.b
TrnFndFwdSpdOth_Val
TrnFndFwdSpdOth_Avg
Page 5 of 8
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Person-to-Person and Money Transfer Processor Payment Survey
2024 Data
Annual Data Entry
Transaction value distribution
Tr7
Total transactions (repeat item 1) = 7.a + 7.b + 7.c + 7.d + 7.e + 7.f + 7.g
TrnRept6_Val
TrnRept6_Avg
Tr 7.a
Trn025_Val
Trn025_Avg
Transactions with less than $25.00 in total value
Tr 7.b
Trn2550_Val
Trn2550_Avg
Transactions with $25.00 to $49.99 in total value
Tr 7.c
Trn50100_Val
Trn50100_Avg
Transactions with $50.00 to $99.99 in total value
Tr 7.d
Trn100250_Val
Trn100250_Avg
Transactions with $100.00 to $249.99 in total value
Tr 7.e
Trn250500_Val
Trn250500_Avg
Transactions with $250.00 to $499.99 in total value
Tr 7.f
Trn5001000_Val
Trn5001000_Avg
Transactions with $500.00 to $999.99 in total value
Tr 7.g
Trn1000_Val
Trn1000_Avg
Transactions with $1000.00 or greater in total value
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
Number
Value ($)
Avg. Value ($)
Fraud rate (Number)
Fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
Fraud rate (Number)
Fraud rate (Value)
NR
NR
NR
NR
NR
Number
Value ($)
Avg. Value ($)
NR
Transactions from non-US-domiciled accounts
Tr8
Total transactions from non-US-domiciled accounts (payees within the US and not
TrnNonUSAcct_ included in item 1)
TrnNonUSAcct_Avg
Third-party fraudulent transactions
Fr9
Frd_Val
Frd_Avg
Frd_Num_Rate
Frd_Val_Rate
Third-party fraudulent transactions
Include all unauthorized third-party fraudulent transactions that cleared and settled for
which funds subsequently became available to the perpetrator. Do not include fraud
attempts that were prevented before they were cleared and settled, or fraud committed by
the accountholder or other users authorized to make payments.
Third-party fraudulent transactions by payee location
Fr10
Third-party fraudulent transactions (repeat item 9) = 10.a + 10.b
FrdRept1_Val
FrdRept1_Avg
FrdRept1_Num_Rate
FrdRept1_Val_Rate
Fr 10.a
FrdDom_Val
FrdDom_Avg
Domestic transactions from US-domiciled accounts
(payees within the US)
FrdDom_Num_Rate
Domestic transactions from US-domiciled accounts
fraud rate (Number)
NR
FrdDom_Val_Rate
Domestic transactions from US-domiciled accounts
fraud rate (Value)
NR
NR
FrdFrgn_Num_Rate
Number
Value ($)
Avg. Value ($)
Cross-border transactions from US-domiciled accounts
fraud rate (Number)
FrdFrgn_Val_Rate
Cross-border transactions from US-domiciled accounts
fraud rate (value)
NR
Fr 10.b
FrdFrgn_Val
FrdFrgn_Avg
Cross-border transactions from US-domiciled accounts
(payees outside the US)
Page 6 of 8
NR
Person-to-Person and Money Transfer Processor Payment Survey
2024 Data
Annual Data Entry
Third-party fraudulent transactions by origination channel (how the customer accesses the P2P system)
Fr11
Third-party fraudulent transactions (repeat item 9) = 11.a + 11.b + 11.c + 11.d
FrdRept2_Val
FrdRept2_Avg
FrdRept2_Num_Rate
FrdRept2_Val_Rate
Website
Fr 11.a
FrdOrigWeb_Val
FrdOrigWeb_Avg
FrdOrigWeb_Num_Rate
FrdOrigWeb_Val_Rate
Mobile phone (via an application or text message)
Fr 11.b
FrdOrigMob_Val
FrdOrigMob_Avg
FrdOrigMob_Num_Rate
FrdOrigMob_Val_Rate
In person (via agent location, kiosk or ATM)
Fr 11.c
FrdOrigPpr_Val
FrdOrigPpr_Avg
FrdOrigPpr_Num_Rate
FrdOrigPpr_Val_Rate
All other
Fr 11.d
FrdOrigOth_Val
FrdOrigOth_Avg
FrdOrigOth_Num_Rate
FrdOrigOth_Val_Rate
Number
Value ($)
Avg. Value ($)
Fraud rate (Number)
Fraud rate (Value)
NR
NR
NR
NR
NR
Number
Value ($)
Avg. Value ($)
Website transactions fraud rate (Number)
Website transactions fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
Mobile phone transactions fraud rate (Number)
Mobile phone transactions fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
In person transactions fraud rate (Number)
In person transactions fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
All other transactions fraud rate (Number)
All other transactions fraud rate (Value)
NR
NR
NR
Third-party fraudulent transactions by disbursement speed (how quickly funds are transferred to beneficiary)
Fr12
Third-party fraudulent transactions (repeat item 9) = 12.a + 12.b
FrdRept3_Val
FrdRept3_Avg
FrdRept3_Num_Rate
FrdRept3_Val_Rate
Fr 12.a
FrdFndFwdSpdI
FrdFndFwdSpdI
FrdFndFwdSpdI
FrdFndFwdSpdI
Immediate transactions
Funds are sent fraudulently with real-time or near-real-time availability to beneficiary.
We assume such funds are typically made available within 30 minutes or less. (If your
organization uses a different standard, please describe in the comments field at the
end of this form.)
Fr 12.b
All other
FrdFndFwdSpdOth_Val
FrdFndFwdSpdOth_Avg
FrdFndFwdSpdOth_Num_Rate
FrdFndFwdSpdOth_Val_Rate
Number
Value ($)
Avg. Value ($)
Fraud rate (Number)
Fraud rate (Value)
NR
NR
NR
NR
NR
Number
Value ($)
Avg. Value ($)
Immediate transactions fraud rate (Number)
Immediate transactions fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
All other transactions fraud rate (Number)
All other transactions fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
NR
Third-party fraudulent transactions from non-US-domiciled accounts
Fr13
Third-party fraudulent transactions from non-US-domiciled accounts (payees within
FrdNonUSAcct_ the US and not included in item 9)
FrdNonUSAcct_Avg
FrdNonUSAcct_Num_Rate
Transactions from non-US-domiciled accounts fraud rate
(Number)
NR
FrdNonUSAcct_Val_Rate
Transactions from non-US-domiciled accounts fraud rate
(Value)
NR
Comments:
Page 7 of 8
Person-to-Person and Money Transfer Processor Payment Survey
Glossary
Item
Definition
United States: The states, territories, and possessions of the US, the District of Columbia, the Commonwealth of
Puerto Rico, or any political subdivision of any of the foregoing.
7
Transaction value distribution: Your best estimate for the number and dollar value of transactions that fall within
the "dollar size bands" requested.
Page 8 of 8
FR 3066b
OMB No. 7100-0351
Approval expires February 29, 2028
The Federal Reserve
Payments Study
Online Bill Payment
Processor Survey
Survey Period:
Calendar Year 2024
Responding to this collection is voluntary. The Federal Reserve may not conduct or sponsor, and an organization is not required to respond to,
a collection of information unless it displays a currently valid OMB control number. 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.
Page 1 of 8
Networks, Processors, and Issuers Payments Surveys (NPIPS)
Online Bill Payment Processor Survey
Instructions
About this survey
This survey, part of the NPIPS, covers online bill payments that your organization processed for calendar year 2024 (CY2024).
Allocations of transactions are requested for several category types, including transactions classified as fraudulent by an unauthorized
third party.
About the study
This survey and other NPIPS surveys are part of the Federal Reserve Payments Study (FRPS), which is conducted by the Federal
Reserve Bank of Atlanta and the Federal Reserve Board. Your response will be used in combination with peer responses to estimate
national aggregate volumes for CY2024. Aggregate results will be compared to those of previous studies to track changes and identify
trends in US payments.
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. If your organization outsourced
payments processing to another organization during CY2024, please request the necessary data from that organization or
provide them with the survey so they may respond on behalf of your organization.
>> Please respond by: June 13, 2025 <<
Data entry
Please enter annual data for CY2024 in the Annual Data Entry tab (i.e., worksheet). If estimated amounts rather than actual amounts
are reported for any item(s), please explain in the comments field at the bottom of the tab. By default, tabs are protected and only cells
needed for data entry are unlocked.
Example
1. Direct data entry (light blue boxes). For numeric data, key in the actual number or dollar amount.
Note: Items left blank can be difficult to interpret and may generate follow-up questions. If a positive amount cannot be provided,
please consider entering one of these alternatives:
* Enter "0" if the requested item is known to be zero. (This is appropriate for items that are not applicable to your organization.)
* Enter "NR" (not reported/not reportable) if the requested item is known to be nonzero but cannot be reported.
Example
2. Automatic entry of calculations or repeated figures (dark blue box). Cells are protected, but different amounts may be entered into the
override cells to the right (yellow box), if necessary. Only positive numeric amounts are valid for override cells.
Override
NR
(Automatic entry cells display "NR" until required information is provided.)
Unexpected condition flags
As you fill out the survey, flags may be raised describing the results of simple arithmetic comparisons. These are intended to help you
identify potential mistakes and, if appropriate, correct them. However, it may not always be appropriate to revise data when flags are
raised, and you may choose to leave your response data as is. If that happens, please provide feedback and explanations in the
comments field at the bottom of each tab. Your comments may help us understand your data and avoid the need for follow up.
Conditions that can raise a flag include:
1. Logical inconsistencies: These check for essential arithmetical relationships among items based on survey definitions and
structure. They include adding-up conditions for items and their sub-items, pairing of zeros with nonzeros, and entry of NR when a
known amount is implied by other reported item amounts.
Examples
Item in Q3 is not equal to the sum of subitems: Q3 > Q3.a + Q3.b.
Inconsistent pair: Q3 Balance ($) cannot be 0 if Q3 Number is nonzero.
Item should be reportable if all related items (Q2, Q2.b) are reported.
Note: Leaving items blank will not throw flags. However, consistency problems may still exist when the amount is left blank but is
implied by other related item amounts. Such cases can be checked by entering NR when an item is not reported/not reportable. If
possible, please review your survey workbooks for any blank data-entry cells and replace them before submitting.
2. Exceeding set boundaries: These compare against lower and upper boundaries for averages and ratios. The boundaries are
intended to allow a wide range, but may not be appropriate for your organization.
When a form is complete, if possible please provide any explanations you may have for any remaining flags in the comments field at the
bottom of each tab in the workbook. This will assist us to review and validate your data after the form is submitted. We may follow up
with validation questions after the review is completed. Please review your survey workbooks for any empty cells before submitting.
Glossary
Definitions for selected terms can be found in the Glossary tab.
Submitting the completed survey
Submitted via Intralinks:
Please have your organization's Study Coordinator that established access to an Intralinks account submit this and any other survey
workbooks.
To submit your completed survey, log in to your organization's Intralinks account where you will see a folder labeled with a unique
numeric identifier assigned to your organization. Within this folder are two subfolders – one for submitting your data and the other for
retrieving data that we may send you. Locate the Submit Data folder, and upload your completed survey workbooks on the encrypted
Intralinks platform. Once we receive notification of your submission, acknowledgement of receipt will be sent to you from
[email protected].
Questions?
If you have questions about the survey content or need assistance with the submission process, please contact the Federal Reserve
Payments Study team at www.paymentsstudy.com.
Page 2 of 8
Example
This average value is unusually low.
Networks, Processors, and Issuers Payments Surveys (NPIPS)
Online Bill Payment Processor Survey
Instructions
Comments
Please provide any feedback and suggestions about the survey or submission process in the box below:
Page 3 of 8
Online Bill Payment Processor Survey
2024 Data
Annual Data Entry
Please report data on online bill payments and related information for calendar year 2024. Responding completely and accurately will help ensure accuracy of
the aggregate estimates.
Include:
* Transactions originated through a financial institution or other intermediary’s online bill payment portal (i.e., bank online bill payments) and directly via biller
websites (i.e., biller-direct bill payments)
* Only include transactions originated from US-domiciled accounts
* Only transaction totals for the individual bills within a batch of bills that were settled through a single combined payment to the biller (i.e., check and list
payments)
Please leave no item blank.
* Enter "0" if an item is zero
* Enter "NR" if an item is nonzero
but cannot be reported
Do not include:
* Batch transactions because this will double count the individual bill totals
* Declined transactions
Definitions for selected terms can be found in the Glossary tab.
Calendar year 2024 online bill payment transactions
Tr1
Trn_Val
Trn_Avg
Total transactions = 1.a + 1.b
Do not include declined transactions.
Tr 1.a
TrnBnk_Val
TrnBnk_Avg
Number
Value ($)
Avg. Value ($)
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of bank/intermediary online bill payment transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of bank/intermediary online bill payment transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of biller-direct online bill payment transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of biller-direct online bill payment transactions (Number)
NR
NR
Bank/intermediary online bill payment transactions = 1.a.1 + 1.a.2
Direct send/consolidator transactions (e.g., Fiserv, iPay)
Tr
1.a.1
TrnBnkMob_Val
TrnBnkMob_Avg
Transactions initiated with a mobile device
1.a.2
Tr
TrnBnkNoMob_Val
TrnBnkNoMob_Avg
Transactions not initiated with a mobile device
Tr 1.b
TrnDir_Val
TrnDir_Avg
Biller-direct online bill payment transactions = 1.b.1 + 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).
1.b.1
Tr
TrnDirMob_Val
TrnDirMob_Avg
Transactions initiated with a mobile device
1.b.2
Tr
TrnDirNoMob_Val
TrnDirNoMob_Avg
Transactions not initiated with a mobile device
Transactions by disbursement method (how funds were sent to billers)
Tr2
Total transactions (repeat item 1) = 2.a + 2.b + 2.c + 2.d
TrnRept1_Val
TrnRept1_Avg
Automated clearinghouse (ACH) transfers = 2a.1 + 2a.2
Tr 2.a
Transfers to beneficiary's deposit account are submitted via an ACH entry.
TrnFndFwdACH
TrnFndFwdACH_Avg
Tr
2.a.1
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
TrnFndFwdACH
TrnFndFwdACH
Same-day ACH
Payment initiated using the ACH network with instructions for processing as a
same-day payment with end-of-day funds availability.
Number
Value ($)
Avg. Value ($)
% of ACH transfers (Number)
NR
NR
Tr
2.a.2
TrnFndFwdACH
TrnFndFwdACH
All other ACH
Interbank funds are transferred one or more days after the transaction is
submitted.
Number
Value ($)
Avg. Value ($)
% of ACH transfers (Number)
NR
NR
Page 4 of 8
Online Bill Payment Processor Survey
2024 Data
Annual Data Entry
Tr 2.b
Immediate transactions = 2.b.1 + 2.b.2 + 2.b.3 + 2.b.4
TrnFndFwdImmed_Val
TrnFndFwdImmed_Avg
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
2.b.1
Wire transfers
Tr
TrnFndFwdImmedWire_Val
TrnFndFwdImmedWire_Avg
Number
Value ($)
Avg. Value ($)
% of immediate transactions (Number)
NR
NR
2.b.2
Tr
TrnFndFwdImm
TrnFndFwdImm
Funds are simply transferred within one institution or organization from one
customer to another within a funds pool or agent system that does not require
settlement with unaffiliated institution(s).
Number
Value ($)
Avg. Value ($)
% of immediate transactions (Number)
NR
NR
2.b.3
Tr
TrnFndFwdImm
TrnFndFwdImm
Real-time payments (RTP) (open-loop model)
Real-time payment is initiated for immediate good funds availability amongst
member financial institutions and processors. This can be a Credit Push transfer
of account holder funds with near real-time settlement.
Number
Value ($)
Avg. Value ($)
% of immediate transactions (Number)
NR
NR
2.b.4
Tr
TrnFndFwdImm
TrnFndFwdImm
Card based transfers (open-loop model)
Funds are pushed to the recipient's (beneficiary's) card using a debit card
network with near real-time availability of funds.
Number
Value ($)
Avg. Value ($)
% of immediate transactions (Number)
NR
NR
Checks
Tr 2.c
TrnFndFwdChk_Val
TrnFndFwdChk_Avg
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
All other
Tr 2.d
TrnFndFwdOth_Val
TrnFndFwdOth_Avg
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Book transfers (closed-loop model)
Transactions by funding method (how funds were collected from customers)
Tr3
Total transactions (repeat item 1) = 3.a + 3.b + 3.c + 3.d + 3.e
TrnRept2_Val
TrnRept2_Avg
Tr 3.a
TrnFndCash_Val
TrnFndCash_Avg
Cash
Tr 3.b
TrnFndChk_Val
TrnFndChk_Avg
Check
Tr 3.c
TrnFndGPCd_Val
TrnFndGPCd_Avg
General-purpose card (credit, debit or prepaid)
Tr 3.d
TrnFndACH_Val
TrnFndACH_Avg
ACH
Tr 3.e
TrnFndOth_Val
TrnFndOth_Avg
All other
Page 5 of 8
Online Bill Payment Processor Survey
2024 Data
Annual Data Entry
Transaction value distribution (bank/intermediary online bill payments)
Tr4
Bank/intermediary online bill payment transactions (repeat item 1a)
TrnBnkRept_Va = 4.a + 4.b + 4.c + 4.d + 4.e + 4.f
TrnBnkRept_Avg
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of bank/intermediary online bill payment transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of bank/intermediary online bill payment transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of bank/intermediary online bill payment transactions (Number)
NR
NR
Transactions with $100.00 to $249.99 in total value
Tr 4.d
TrnBnk100250_Val
TrnBnk100250_Avg
Number
Value ($)
Avg. Value ($)
% of bank/intermediary online bill payment transactions (Number)
NR
NR
Transactions with $250.00 to $499.99 in total value
Tr 4.e
TrnBnk250500_Val
TrnBnk250500_Avg
Number
Value ($)
Avg. Value ($)
% of bank/intermediary online bill payment transactions (Number)
NR
NR
Tr 4.f
TrnBnk500_Val
TrnBnk500_Avg
Number
Value ($)
Avg. Value ($)
% of bank/intermediary online bill payment transactions (Number)
NR
NR
Tr 4.a
TrnBnk025_Val
TrnBnk025_Avg
Transactions with less than $25.00 in total value
Tr 4.b
TrnBnk2550_Val
TrnBnk2550_Avg
Transactions with $25.00 to $49.99 in total value
Tr 4.c
TrnBnk50100_Val
TrnBnk50100_Avg
Transactions with $50.00 to $99.99 in total value
Transactions with $500.00 or greater in total value
Transaction value distribution (biller-direct online bill payments)
Tr5
Biller-direct online bill payment transactions (repeat item 1b)
TrnDirRept_Val = 5.a + 5.b + 5.c + 5.d + 5.e + 5.f
TrnDirRept_Avg
Tr 5.a
TrnDir025_Val
TrnDir025_Avg
Transactions with less than $25.00 in total value
Tr 5.b
TrnDir2550_Val
TrnDir2550_Avg
Transactions with $25.00 to $49.99 in total value
Tr 5.c
TrnDir50100_Val
TrnDir50100_Avg
Transactions with $50.00 to $99.99 in total value
Tr 5.d
TrnDir100250_Val
TrnDir100250_Avg
Transactions with $100.00 to $249.99 in total value
Tr 5.e
TrnDir250500_Val
TrnDir250500_Avg
Transactions with $250.00 to $499.99 in total value
Tr 5.f
TrnDir500_Val
TrnDir500_Avg
Transactions with $500.00 or greater in total value
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of biller-direct online bill payment transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of biller-direct online bill payment transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of biller-direct online bill payment transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of biller-direct online bill payment transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of biller-direct online bill payment transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of biller-direct online bill payment transactions (Number)
NR
NR
Page 6 of 8
Online Bill Payment Processor Survey
2024 Data
Annual Data Entry
Third-party fraudulent transactions
Fr6
Frd_Val
Frd_Avg
Frd_Num_Rate
Frd_Val_Rate
Third-party fraudulent transactions = 6.a + 6.b
Include all unauthorized third-party fraudulent transactions that cleared and settled for
which funds subsequently became available to the perpetrator. Do not include fraud
attempts that were prevented before they were cleared and settled, or fraud committed by
the accountholder or other users authorized to make payments.
Fr 6.a
FrdBnk_Val
FrdBnk_Avg
Bank/intermediary online bill payment transactions
Number
Value ($)
Avg. Value ($)
Fraud rate (Number)
Fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
NR
FrdBnk_Num_Rate
Bank/intermediary online bill payment transactions fraud rate
(Number)
NR
FrdBnk_Val_Rate
Bank/intermediary online bill payment transactions fraud rate
(Value)
NR
Fr 6.b
FrdDir_Val
FrdDir_Avg
Biller-direct online bill payment transactions
Number
Value ($)
Avg. Value ($)
NR
FrdDir_Num_Rate
Biller-direct online bill payment transactions fraud rate
(Number)
NR
FrdDir_Val_Rate
Biller-direct online bill payment transactions fraud rate
(Value)
NR
Comments:
Page 7 of 8
Online Bill Payment Processor Survey
Glossary
Item
Definition
United States: The states, territories, and possessions of the US, the District of Columbia, the
Commonwealth of Puerto Rico, or any political subdivision of any of the foregoing.
1a.1
Transactions initiated with a mobile device: Transactions initiated on a smart device in
person with NFC using a "digital wallet" (e.g., a merchant's mobile App or cloud based QR or other
authentication code).
4&5
Transaction value distribution: Your best estimate for the number and dollar value of
transactions that fall within the "dollar size bands" requested.
Page 8 of 8
FR 3066b
OMB No. 7100-0351
Approval expires February 29, 2028
The Federal Reserve
Payments Study
Walk-In Bill Payment
Processor Survey
Survey Period:
Calendar Year 2024
Responding to this collection is voluntary. The Federal Reserve may not conduct or sponsor, and an organization is not required to respond to,
a collection of information unless it displays a currently valid OMB control number. 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.
Page 1 of 6
Networks, Processors, and Issuers Payments Surveys (NPIPS)
Walk-In Bill Payment Processor Survey
Instructions
About this survey
This survey, part of the NPIPS, covers walk-in bill payment transactions that your organization processed for calendar year 2024
(CY2024). Allocations of transactions are requested for several category types, including transactions classified as fraudulent by an
unauthorized third party. Counts of the number of active and total cards (including both physical and virtual cards) carrying your
organization's network brand that are issued and outstanding are also requested.
About the study
This survey and other NPIPS surveys are part of the Federal Reserve Payments Study (FRPS), which is conducted by the Federal
Reserve Bank of Atlanta and the Federal Reserve Board. Your response will be used in combination with peer responses to estimate
national aggregate volumes for CY2024. Aggregate results will be compared to those of previous studies to track changes and identify
trends in US payments.
Confidentiality
Any data 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. If your organization outsourced
payments processing to another organization during CY2024, please request the necessary data from that organization or
provide them with the survey so they may respond on behalf of your organization.
>> Please respond by: June 13, 2025 <<
Data entry
Please enter annual data for CY2024 in the Annual Data Entry tab (i.e., worksheet). If estimated amounts rather than actual amounts are
reported for any item(s), please explain in the comments field at the bottom of the tab. By default, tabs are protected and only cells
needed for data entry are unlocked.
Example
1. Direct data entry (light blue boxes). For numeric data, key in the actual number or dollar amount.
Note: Items left blank can be difficult to interpret and may generate follow-up questions. If a positive amount cannot be provided,
please consider entering one of these alternatives:
* Enter "0" if the requested item is known to be zero. (This is appropriate for items that are not applicable to your organization.)
* Enter "NR" (not reported/not reportable) if the requested item is known to be nonzero but cannot be reported.
Example
2. Automatic entry of calculations or repeated figures (dark blue box). Cells are protected, but different amounts may be entered into the
override cells to the right (yellow box), if necessary. Only positive numeric amounts are valid for override cells.
Override
NR
(Automatic entry cells display "NR" until required information is provided.)
Unexpected condition flags
As you fill out the survey, flags may be raised describing the results of simple arithmetic comparisons. These are intended to help you
identify potential mistakes and, if appropriate, correct them. However, it may not always be appropriate to revise data when flags are
raised, and you may choose to leave your response data as is. If that happens, please provide feedback and explanations in the
comments field at the bottom of each tab. Your comments may help us understand your data and avoid the need for follow up.
Conditions that can raise a flag include:
1. Logical inconsistencies: These check for essential arithmetical relationships among items based on survey definitions and structure.
They include adding-up conditions for items and their sub-items, pairing of zeros with nonzeros, and entry of NR when a known
amount is implied by other reported item amounts.
Examples
Item in Q3 is not equal to the sum of subitems: Q3 > Q3.a + Q3.b.
Inconsistent pair: Q3 Balance ($) cannot be 0 if Q3 Number is nonzero.
Item should be reportable if all related items (Q2, Q2.b) are reported.
Note: Leaving items blank will not throw flags. However, consistency problems may still exist when the amount is left blank but is
implied by other related item amounts. Such cases can be checked by entering NR when an item is not reported/not reportable. If
possible, please review your survey workbooks for any blank data-entry cells and replace them before submitting.
2. Exceeding set boundaries: These compare against lower and upper boundaries for averages and ratios. The boundaries are
intended to allow a wide range, but may not be appropriate for your organization.
Glossary
Definitions for selected terms can be found in the Glossary tab.
Submitting the completed survey
Submitted via Intralinks:
Please have your organization's Study Coordinator that established access to an Intralinks account submit this and any other survey
workbooks.
To submit your completed survey, log in to your organization's Intralinks account where you will see a folder labeled with a unique numeric
identifier assigned to your organization. Within this folder are two subfolders – one for submitting your data and the other for retrieving
data that we may send you. Locate the Submit Data folder, and upload your completed survey workbooks on the encrypted Intralinks
platform. Once we receive notification of your submission, acknowledgement of receipt will be sent to you from
[email protected].
Questions?
If you have questions about the survey content or need assistance with the submission process, please contact the Federal Reserve
Payments Study team at www.paymentsstudy.com.
Page 2 of 6
Example
This average value is unusually low.
Networks, Processors, and Issuers Payments Surveys (NPIPS)
Walk-In Bill Payment Processor Survey
Instructions
Comments
Please provide any feedback and suggestions about the survey or submission process in the box below:
Page 3 of 6
Walk-In Bill Payment Processor Survey
2024 Data
Annual Data Entry
Please report data on walk-in bill payments and related information for calendar year 2024. Responding completely and accurately will help ensure accuracy
of the aggregate estimates.
Include:
* Transacions that originated from US-domiciled accounts and were made in-person that your organization received or processed on behalf of billers
* Only payments made at locations (e.g., kiosks, ATMs, agents, or retailers) other than those operated by the biller
* Only transaction totals for the individual bills within a batch of bills that were settled through a single combined payment to the biller (i.e., check and list
payments)
Do not include:
* Online, mail, or telephone bill payments
* In-person bill payments made at locations operated by the biller or bill payments originated from foreign accounts
* Batch transactions because this will double count the individual bill totals
* Declined transactions
Please leave no item blank.
* Enter "0" if an item is zero
* Enter "NR" if an item is nonzero
but cannot be reported
Definitions for selected terms can be found in the Glossary tab.
Calendar year 2024 walk-in bill payment transactions
Tr1
Trn_Val
Trn_Avg
Total transactions
Do not include declined transactions
Number
Value ($)
Avg. Value ($)
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Transactions by disbursement method
Total transactions (repeat item 1) = 2.a + 2.b + 2.c + 2.d
Tr 2
TrnRept1_Val
TrnRept1_Avg
Tr 2.a
Automated clearinghouse (ACH) transfers = 2.a.1 + 2.a.2
Transfers to beneficiary's deposit account are submitted via an ACH entry.
TrnFndFwdACH
TrnFndFwdACH_Avg
2.a.1
Tr
TrnFndFwdACH
TrnFndFwdACH
Same-day ACH
Payment initiated using the ACH network with instructions for processing as a
same-day payment with end-of-day funds availability.
Number
Value ($)
Avg. Value ($)
% of ACH transfers (Number)
NR
NR
2.a.2
Tr
TrnFndFwdACH
TrnFndFwdACH
All other ACH
Interbank funds are transferred one or more days after the transaction is
submitted.
Number
Value ($)
Avg. Value ($)
% of ACH transfers (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
2.b.1
Wire transfers
Tr
TrnFndFwdImmedWire_Val
TrnFndFwdImmedWire_Avg
Number
Value ($)
Avg. Value ($)
% of immediate transactions (Number)
NR
NR
2.b.2
Tr
TrnFndFwdImme
TrnFndFwdImme
Book transfers (closed-loop model)
Funds are simply transferred within one institution or organization from one
customer to another within a funds pool or agent system that does not require
settlement with unaffiliated institution(s).
Number
Value ($)
Avg. Value ($)
% of immediate transactions (Number)
NR
NR
2.b.3
Tr
TrnFndFwdImme
TrnFndFwdImme
Real-time payments (RTP) (open-loop model)
Real-time payment is initiated for immediate good funds availability amongst
member financial institutions and processors. This can be a Credit Push transfer
of account holder funds with near real-time settlement.
Number
Value ($)
Avg. Value ($)
% of immediate transactions (Number)
NR
NR
2.b.4
Tr
TrnFndFwdImme
TrnFndFwdImme
Card based transfers (open-loop model)
Funds are pushed to the recipient's (beneficiary's) card using a debit card
network with near real-time availability of funds.
Number
Value ($)
Avg. Value ($)
% of immediate transactions (Number)
NR
NR
Checks
Tr 2.c
TrnFndFwdChk_Val
TrnFndFwdChk_Avg
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
All other
Tr 2.d
TrnFndFwdOth_Val
TrnFndFwdOth_Avg
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Immediate transactions = 2.b.1 + 2.b.2 + 2.b.3 + 2.b.4
Tr 2.b
TrnFndFwdImmed_Val
TrnFndFwdImme
Page 4 of 6
Walk-In Bill Payment Processor Survey
2024 Data
Annual Data Entry
Transactions by funding method
Total transactions (repeat item 1) = 3.a + 3.b + 3.c
Tr3
TrnRept2_Val
TrnRept2_Avg
Tr 3.a
TrnFndCash_Va
TrnFndCash_Av
Cash
Tr 3.b
TrnFndGPCd_Val
TrnFndGPCd_Avg
General-purpose card (credit, debit or prepaid)
Tr 3.c
TrnFndOth_Val
TrnFndOth_Avg
All other
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
Fraud rate (Number)
Fraud rate (Value)
NR
NR
NR
Transactions value distribution
Total transactions (repeat item 1) = 4.a + 4.b + 4.c + 4.d + 4.e + 4.f
Tr4
TrnRept3_Val
TrnRept3_Avg
Tr 4.a
Trn025_Val
Trn025_Avg
Transactions with less than $25.00 in total value
Tr 4.b
Trn2550_Val
Trn2550_Avg
Transactions with $25.00 to $49.99 in total value
Tr 4.c
Trn50100_Val
Trn50100_Avg
Transactions with $50.00 to $99.99 in total value
Tr 4.d
Trn100250_Val
Trn100250_Avg
Transactions with $100.00 to $249.99 in total value
Tr 4.e
Trn250500_Val
Trn250500_Avg
Transactions with $250.00 to $499.99 in total value
Tr 4.f
Trn500_Val
Trn500_Avg
Transactions with $500.00 or greater in total value
Third-party fraudulent transactions
Fr5
Frd_Val
Frd_Avg
Frd_Num_Rate
Frd_Val_Rate
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:
Page 5 of 6
Walk-In Bill Payment Processor Survey
Glossary
Item
Definition
United States: The states, territories, and possessions of the US, the District of Columbia, the
Commonwealth of Puerto Rico, or any political subdivision of any of the foregoing.
4
Transaction value distribution: Your best estimate for the number and dollar value of
transactions that fall within the "dollar size bands" requested.
Page 6 of 6
FR 3066b
OMB No. 7100-0351
Approval expires February 29, 2028
The Federal Reserve
Payments Study
Private-Label ACH Debit Card
Processor Payment Survey
Survey Period:
Calendar Year 2024
Responding to this collection is voluntary. The Federal Reserve may not conduct or sponsor, and an organization is not required to respond
to, a collection of information unless it displays a currently valid OMB control number. 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)
Private-Label ACH Debit Card Processor Payment Survey
Instructions
About this survey
This survey, part of the NPIPS, covers private-label ACH debit card transactions that your organization processed in-house for calendar year
2024 (CY2024). Allocations of transactions are requested for several category types, including transactions classified as fraudulent by an
unauthorized third party.
About the study
This survey and other NPIPS surveys are part of the Federal Reserve Payments Study (FRPS), which is conducted by the Federal Reserve
Bank of Atlanta and the Federal Reserve Board. Your response will be used in combination with peer responses to estimate national
aggregate volumes for CY2024. Aggregate results will be compared to those of previous studies to track changes and identify trends in US
payments.
Confidentiality
Any data 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. If your organization outsourced payments
processing to another organization during CY2024, please request the necessary data from that organization or provide them with the
survey so they may respond on behalf of your organization.
>> Please respond by: June 13, 2025 <<
Data entry
Please enter annual data for CY2024 in the Annual Data Entry tab (i.e., worksheet). If estimated amounts rather than actual amounts are
reported for any item(s), please explain in the comments field at the bottom of the tab. By default, tabs are protected and only cells needed for
data entry are unlocked.
Example
1. Direct data entry (light blue boxes). For numeric data, key in the actual number or dollar amount.
Note: Items left blank can be difficult to interpret and may generate follow-up questions. If a positive amount cannot be provided, please
consider entering one of these alternatives:
* Enter "0" if the requested item is known to be zero. (This is appropriate for items that are not applicable to your organization.)
* Enter "NR" (not reported/not reportable) if the requested item is known to be nonzero but cannot be reported.
Example
2. Automatic entry of calculations or repeated figures (dark blue box). Cells are protected, but different amounts may be entered into the
override cells to the right (yellow box), if necessary. Only positive numeric amounts are valid for override cells.
Override
NR
(Automatic entry cells display "NR" until required information is provided.)
Unexpected condition flags
As you fill out the survey, flags may be raised describing the results of simple arithmetic comparisons. These are intended to help you identify
potential mistakes and, if appropriate, correct them. However, it may not always be appropriate to revise data when flags are raised, and you
may choose to leave your response data as is. If that happens, please provide feedback and explanations in the comments field at the bottom
of each tab. Your comments may help us understand your data and avoid the need for follow up.
Conditions that can raise a flag include:
1. Logical inconsistencies: These check for essential arithmetical relationships among items based on survey definitions and structure.
They include adding-up conditions for items and their sub-items, pairing of zeros with nonzeros, and entry of NR when a known amount is
implied by other reported item amounts.
Examples
Item in Q3 is not equal to the sum of subitems: Q3 > Q3.a + Q3.b.
Inconsistent pair: Q3 Balance ($) cannot be 0 if Q3 Number is nonzero.
Item should be reportable if all related items (Q2, Q2.b) are reported.
Note: Leaving items blank will not throw flags. However, consistency problems may still exist when the amount is left blank but is implied
by other related item amounts. Such cases can be checked by entering NR when an item is not reported/not reportable. If possible, please
review your survey workbooks for any blank data-entry cells and replace them before submitting.
2. Exceeding set boundaries: These compare against lower and upper boundaries for averages and ratios. The boundaries are intended to
allow a wide range, but may not be appropriate for your organization.
Glossary
Definitions for selected terms can be found in the Glossary tab.
Submitting the completed survey
Submitted via Intralinks:
Please have your organization's Study Coordinator that established access to an Intralinks account submit this and any other survey
workbooks.
To submit your completed survey, log in to your organization's Intralinks account where you will see a folder labeled with a unique numeric
identifier assigned to your organization. Within this folder are two subfolders – one for submitting your data and the other for retrieving data
that we may send you. Locate the Submit Data folder, and upload your completed survey workbooks on the encrypted Intralinks platform.
Once we receive notification of your submission, acknowledgement of receipt will be sent to you from [email protected].
Questions?
If you have questions about the survey content or need assistance with the submission process, please contact the Federal Reserve
Payments Study team at www.paymentsstudy.com.
Example
This average value is unusually low.
Networks, Processors, and Issuers Payments Surveys (NPIPS)
Private-Label ACH Debit Card Processor Payment Survey
Instructions
Comments
Please provide any feedback and suggestions about the survey or submission process in the box below:
Private-Label ACH Debit Card Processor Payment Survey
2024 Data
Annual Data Entry
Please report data on private-label ACH debit card transactions and related information for calendar year 2024. Responding completely and accurately will help
ensure accuracy of the aggregate estimates.
Include:
* Transactions that originated from US-domiciled accounts and were 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)
Please leave no item blank.
* Enter "0" if an item is zero
* Enter "NR" if an item is nonzero
but cannot be reported
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
* Transactions that originated from foreign accounts
Definitions for selected terms can be found in the Glossary tab.
Calendar year 2024 private-label ACH debit card transactions
Tr1
Total transactions
TrnTotl_Val
TrnTotl_Avg
Tr 1.a
Less: Denials (authorization declined)
TrnDcln_Val
TrnDcln_Avg
Tr2
Completed transactions (posted to card accounts) = 1 - 1.a
Trn_Val
Trn_Avg
Tr 2.a
Cash-back at the point of sale
TrnCashBack_Val
TrnCashBack_Avg
Tr 2.b
Adjustments and returns = 2.b.1 + 2.b.2
TrnAdj_Val
TrnAdj_Avg
Tr
2.b.1
ACH returns (receiver initiated)
TrnAdjACH_Val
TrnAdjACH_Avg
Tr
2.b.2
Other adjustments and returns (originator initiated)
TrnAdjOth_Val
TrnAdjOth_Avg
Tr3
TrnNPT_Val
TrnNPT_Avg
Net, purchase transactions
= 2 - 2.b for Number, = 2 - 2.a - 2.b 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.
Number
Value ($)
Avg. Value ($)
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of adjustments and returns (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of adjustments and returns (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of transactions with chip-authentication (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of transactions with chip-authentication (Number)
NR
NR
Transaction by authentication method
Tr4
Completed transactions (repeat item 2) = 4.a + 4.b
TrnRept_Val
TrnRept_Avg
Tr 4.a
Transactions with chip-authentication = 4.a.1 + 4.a.2
TrnChip_Val
TrnChip_Avg
Tr
4.a.1
Transactions with a PIN
TrnChipPIN_Val
TrnChipPIN_Avg
Tr
4.a.2
TrnChipNoPIN_Val
TrnChipNoPIN_Avg
Transactions without a PIN
Private-Label ACH Debit Card Processor Payment Survey
2024 Data
Annual Data Entry
Tr 4.b
Transactions without chip-authentication = 4.b.1 + 4.b.2
TrnNoChip_Val
TrnNoChip_Avg
Tr
4.b.1
Transactions with a PIN
TrnNoChipPIN_Val
TrnNoChipPIN_Avg
Tr
4.b.2
Transactions without a PIN
TrnNoChipNoPIN_Val
TrnNoChipNoPIN_Avg
Number
Value ($)
Avg. Value ($)
% of completed transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of transactions without chip-authentication (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of transactions without chip-authentication (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
Fraud rate (Number)
Fraud rate (Value)
NR
NR
NR
Third-party fraudulent transactions
Fr5
Frd_Val
Frd_Avg
Frd_Num_Rate
Frd_Val_Rate
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:
Private-Label ACH Debit Card Processor Payment Survey
Glossary
Item
Definition
United States: The states, territories, and possessions of the US, the District of Columbia, the
Commonwealth of Puerto Rico, or any political subdivision of any of the foregoing.
1a
Denials/declines: Transaction attempts that receive a denial response by the host authorization
system and do not result in an authorized transaction.
2
Completed transactions: Purchase transactions (including any cash-back) that are completed
and posted to the private-label card account for payment. Such transactions include those that are
subsequently reversed in an adjustment or return requested by the merchant or cardholder, defined
below.
2a
Cash-back at the point of sale: Purchase transactions that include an amount of cash given
back to the card user.
2b.1
ACH returns: Transactions that are initiated by the receiver that reverse a purchase transaction, in
whole or in part using ACH return codes for NSF, account not found, customer disputes,
unauthorized, fraudulent or processing errors.
2b.2
Other adjustments and returns: Transactions initiated by the originator that reverse a
purchase transaction, in whole or in part (e.g., the return of goods by the cardholder), and transfer
value from the receiver back to the originator.
3
Net, purchase transactions: Transactions that have been authorized and settled. Exclude
denials, ACH returns, and other adjustments and returns. Exclude cash-back amounts from value,
but do not exclude transactions that involved cash-back from number.
FR 3066b
OMB No. 7100-0351
Approval expires February 29, 2028
The Federal Reserve
Payments Study
Online Payment Method
Processor Survey
Survey Period:
Calendar Year 2024
Responding to this collection is voluntary. The Federal Reserve may not conduct or sponsor, and an organization is not required to
respond to, a collection of information unless it displays a currently valid OMB control number. 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.
Page 1 of 6
Networks, Processors, and Issuers Payments Surveys (NPIPS)
Online Payment Method Processor Survey
Instructions
About this survey
This survey, part of the 2025 NPIPS, covers online payments that your organization processed for calendar year 2024 (CY2024). Allocations
of transactions are requested for several category types, including transactions classified as fraudulent by an unauthorized third party.
About the study
This survey and other NPIPS surveys are part of the Federal Reserve Payments Study (FRPS), which is conducted by the Federal Reserve
Bank of Atlanta and the Federal Reserve Board. Your response will be used in combination with peer responses to estimate national
aggregate volumes for CY2024. Aggregate results will be compared to those of previous studies to track changes and identify trends in US
payments.
Confidentiality
Any data 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. If your organization outsourced payments
processing to another organization during CY2024, please request the necessary data from that organization or provide them with the
survey so they may respond on behalf of your organization.
>> Please respond by: June 13, 2025 <<
Data entry
Please enter annual data for CY2024 in the Annual Data Entry tab (i.e., worksheet). If estimated amounts rather than actual amounts are
reported for any item(s), please explain in the comments field at the bottom of the tab. By default, tabs are protected and only cells needed for
data entry are unlocked.
Example
1. Direct data entry (light blue boxes). For numeric data, key in the actual number or dollar amount.
Note: Items left blank can be difficult to interpret and may generate follow-up questions. If a positive amount cannot be provided, please
consider entering one of these alternatives:
* Enter "0" if the requested item is known to be zero. (This is appropriate for items that are not applicable to your organization.)
* Enter "NR" (not reported/not reportable) if the requested item is known to be nonzero but cannot be reported.
Example
2. Automatic entry of calculations or repeated figures (dark blue box). Cells are protected, but different amounts may be entered into the
override cells to the right (yellow box), if necessary. Only positive numeric amounts are valid for override cells.
Override
NR
(Automatic entry cells display "NR" until required information is provided.)
Unexpected condition flags
As you fill out the survey, flags may be raised describing the results of simple arithmetic comparisons. These are intended to help you identify
potential mistakes and, if appropriate, correct them. However, it may not always be appropriate to revise data when flags are raised, and you
may choose to leave your response data as is. If that happens, please provide feedback and explanations in the comments field at the bottom
of each tab. Your comments may help us understand your data and avoid the need for follow up.
Conditions that can raise a flag include:
1. Logical inconsistencies: These check for essential arithmetical relationships among items based on survey definitions and structure.
They include adding-up conditions for items and their sub-items, pairing of zeros with nonzeros, and entry of NR when a known amount is
implied by other reported item amounts.
Examples
Item in Q3 is not equal to the sum of subitems: Q3 > Q3.a + Q3.b.
Inconsistent pair: Q3 Balance ($) cannot be 0 if Q3 Number is nonzero.
Item should be reportable if all related items (Q2, Q2.b) are reported.
Note: Leaving items blank will not throw flags. However, consistency problems may still exist when the amount is left blank but is implied
by other related item amounts. Such cases can be checked by entering NR when an item is not reported/not reportable. If possible, please
review your survey workbooks for any blank data-entry cells and replace them before submitting.
2. Exceeding set boundaries: These compare against lower and upper boundaries for averages and ratios. The boundaries are intended to
allow a wide range, but may not be appropriate for your organization.
Glossary
Definitions for selected terms can be found in the Glossary tab.
Submitting the completed survey
Submitted via Intralinks:
Please have your organization's Study Coordinator that established access to an Intralinks account submit this and any other survey
workbooks.
To submit your completed survey, log in to your organization's Intralinks account where you will see a folder labeled with a unique numeric
identifier assigned to your organization. Within this folder are two subfolders – one for submitting your data and the other for retrieving data
that we may send you. Locate the Submit Data folder, and upload your completed survey workbooks on the encrypted Intralinks platform.
Once we receive notification of your submission, acknowledgement of receipt will be sent to you from [email protected].
Questions?
If you have questions about the survey content or need assistance with the submission process, please contact the Federal Reserve
Payments Study team at www.paymentsstudy.com.
Page 2 of 6
Example
This average value is unusually low.
Networks, Processors, and Issuers Payments Surveys (NPIPS)
Online Payment Method Processor Survey
Instructions
Comments
Please provide any feedback and suggestions about the survey or submission process in the box below:
Page 3 of 6
Online Payment Method Processor Survey
2024 Data
Annual Data Entry
Please report data on online payment transactions and related information for calendar year 2024. Responding completely and accurately will help ensure
accuracy of the aggregate estimates.
Include:
* Transactions that originated from US-domiciled accounts and were supported by your organization using selected types of tools, software and systems
designed to provide security, convenience, or other enhancements to online payments in the US
Definitions for selected terms can be found in the Glossary tab.
Please leave no item blank.
* Enter "0" if an item is zero
* Enter "NR" if an item is nonzero
but cannot be reported
Calendar year 2024 online payment method transactions
Tr1
Trn_Val
Trn_Avg
Total transactions = 1.a + 1.b + 1.c + 1.d
Do not include declined transactions.
Tr 1.a
1.a.1
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Your organization authenticates the customer's payment to the merchant or biller.
Number
Value ($)
Avg. Value ($)
% redirected from merchant or biller site (Number)
NR
NR
Delayed payment/instant credit
Your organization authenticates and pays the merchant for the purchase and the
customer pays it back later in a single installment or multiple installments. Count
the number and value of the entire purchase, not the delayed customer payments.
Number
Value ($)
Avg. Value ($)
% redirected from merchant or biller site (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Normal payment (no delay/no instant credit)
TrnMrchntNorm_
TrnMrchntNorm_
Tr
NR
Redirected from merchant or biller site = 1.a.1 + 1.a.2
Customer completes purchase by directly using your organization's authentication tool,
app, or site.
TrnMrchnt_Val
TrnMrchnt_Avg
Tr
Number
Value ($)
Avg. Value ($)
1.a.2
TrnMrchntDelay_
TrnMrchntDelay_
Tr 1.b
Secure online prepaid/escrow-account
TrnPpd_Val
TrnPpd_Avg
Tr 1.c
Token vault
TrnTknVlt_Val
TrnTknVlt_Avg
Tr 1.d
Other online payment methods
TrnOth_Val
TrnOth_Avg
Transaction funding by instrument (how customer payment was settled)
Tr2
Total transactions (repeat item 1) = 2.a + 2.b + 2.c + 2.d + 2.e+ 2.f
TrnRept1_Val
TrnRept1_Avg
Tr 2.a
Cash or check
TrnFndCashChk_Val
TrnFndCashChk_Avg
Tr 2.b
General-purpose card network (credit, debit, or prepaid card)
TrnFndGPCdNtwk_Val
TrnFndGPCdNtwk_Avg
Tr 2.c
Automated clearinghouse transfer (ACH debit or credit)
TrnFndACH_Val
TrnFndACH_Avg
Tr 2.d
Internal prefunded/prepaid account or internal book transfer
TrnFndPpdBkTransf_Val
TrnFndPpdBkTransf_Avg
Tr 2.e
Immediate (e.g., wire, real-time payment system)
TrnFndImmed_Val
TrnFndImmed_Avg
Tr 2.f
Other (e.g., P2P service or crypto currrency wallet)
TrnFndOth_Val
TrnFndOth_Avg
Page 4 of 6
Online Payment Method Processor Survey
2024 Data
Annual Data Entry
Transaction value distribution
Tr3
Total transactions (repeat item 1) = 3.a + 3.b + 3.c + 3.d + 3.e + 3.f + 3.g + 3.h + 3.i
TrnRept2_Val
TrnRept2_Avg
Tr 3.a
Transactions with less than $5.00 in total value
Trn05_Val
Trn05_Avg
Tr 3.b
Transactions with $5.00 to $9.99 in total value
Trn510_Val
Trn510_Avg
Tr 3.c
Transactions with $10.00 to $14.99 in total value
Trn1015_Val
Trn1015_Avg
Tr 3.d
Transactions with $15.00 to $24.99 in total value
Trn1525_Val
Trn1525_Avg
Tr 3.e
Transactions with $25.00 to $49.99 in total value
Trn2550_Val
Trn2550_Avg
Tr 3.f
Transactions with $50.00 to $99.99 in total value
Trn50100_Val
Trn50100_Avg
Tr 3.g
Transactions with $100.00 to $249.99 in total value
Trn100250_Val
Trn100250_Avg
Tr 3.h
Transactions with $250.00 to $499.99 in total value
Trn250500_Val
Trn250500_Avg
Tr 3.i
Transactions with $500.00 or greater in total value
Trn500_Val
Trn500_Avg
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
Fraud rate (Number)
Fraud rate (Value)
NR
NR
NR
Third-party fraudulent transactions
Fr4
Frd_Val
Frd_Avg
Frd_Num_Rate
Frd_Val_Rate
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:
Page 5 of 6
Online Payment Method Processor Survey
Glossary
Item
Definition
United States: The states, territories, and possessions of the US, the District of Columbia, the
Commonwealth of Puerto Rico, or any political subdivision of any of the foregoing.
1a
Redirected from merchant or biller site: Some merchants pass a customer to a third-party
online payment service to provide authentication or instant credit.
1a.1
Normal payment (no delay/no instant credit): Typically used to obtain security credentials
or logins in order to proceed with an authentication request. Customer pays using your organization's
payment method using an established account (including the use of previously established credit
accounts).
1a.2
Delayed payment/instant credit: Customer receives credit from your organization to be paid
off in the future (e.g., Buy Now, Pay Later, "BNPL"). Please count the amount of the total purchase
(e.g., the full amount financed in a "Pay in Four", or a no interest if paid in 6 months program.)
1c.
Token vault: Includes secure payments where a card or account number is tokenized so that it
cannot be used for other transactions if the number is obtained by an unauthorized entity.
1d.
Other online payment methods: This includes crypto currency wallets or accounts.
3
Transaction value distribution: Your best estimate for the number and dollar value of
transactions that fall within the "dollar size bands" requested.
Page 6 of 6
FR 3066b
OMB No. 7100-0351
Approval expires February 29, 2028
The Federal Reserve
Payments Study
Mobile Wallet
Processor Payment Survey
Survey Period:
Calendar Year 2024
Responding to this collection is voluntary. The Federal Reserve may not conduct or sponsor, and an organization is not
required to respond to, a collection of information unless it displays a currently valid OMB control number. 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.
Page 1 of 7
Networks, Processors, and Issuers Payments Surveys (NPIPS)
Mobile Wallet Processor Payment Survey
Instructions
About this survey
This survey, part of the NPIPS, covers mobile wallet transactions that your organization processed for calendar year 2024 (CY2024).
Allocations of transactions are requested for several category types, including transactions classified as fraudulent by an unauthorized third
party. Counts of the number of provisioned mobile wallets are also requested.
About the study
This survey and other NPIPS surveys are part of the Federal Reserve Payments Study (FRPS), which is conducted by the Federal Reserve
Bank of Atlanta and the Federal Reserve Board. Your response will be used in combination with peer responses to estimate national
aggregate volumes for CY2024. Aggregate results will be compared to those of previous studies to track changes and identify trends in US
payments.
Confidentiality
Any data 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. If your organization outsourced payments
processing to another organization during CY2024, please request the necessary data from that organization or provide them with the
survey so they may respond on behalf of your organization.
>> Please respond by: June 13, 2025 <<
Data entry
Please enter annual data for CY2024 in the Annual Data Entry tab (i.e., worksheet). If estimated amounts rather than actual amounts are
reported for any item(s), please explain in the comments field at the bottom of the tab. By default, tabs are protected and only cells needed for
data entry are unlocked.
Example
1. Direct data entry (light blue boxes). For numeric data, key in the actual number or dollar amount.
Note: Items left blank can be difficult to interpret and may generate follow-up questions. If a positive amount cannot be provided, please
consider entering one of these alternatives:
* Enter "0" if the requested item is known to be zero. (This is appropriate for items that are not applicable to your organization.)
* Enter "NR" (not reported/not reportable) if the requested item is known to be nonzero but cannot be reported.
Example
2. Automatic entry of calculations or repeated figures (dark blue box). Cells are protected, but different amounts may be entered into the
override cells to the right (yellow box), if necessary. Only positive numeric amounts are valid for override cells.
Override
NR
(Automatic entry cells display "NR" until required information is provided.)
Example
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
Unexpected condition flags
As you fill out the survey, flags may be raised describing the results of simple arithmetic comparisons. These are intended to help you identify
potential mistakes and, if appropriate, correct them. However, it may not always be appropriate to revise data when flags are raised, and you
may choose to leave your response data as is. If that happens, please provide feedback and explanations in the comments field at the bottom
of each tab. Your comments may help us understand your data and avoid the need for follow up.
Conditions that can raise a flag include:
1. Logical inconsistencies: These check for essential arithmetical relationships among items based on survey definitions and structure.
They include adding-up conditions for items and their sub-items, pairing of zeros with nonzeros, and entry of NR when a known amount is
implied by other reported item amounts.
Examples
Item in Q3 is not equal to the sum of subitems: Q3 > Q3.a + Q3.b.
Inconsistent pair: Q3 Balance ($) cannot be 0 if Q3 Number is nonzero.
Item should be reportable if all related items (Q2, Q2.b) are reported.
Note: Leaving items blank will not throw flags. However, consistency problems may still exist when the amount is left blank but is implied
by other related item amounts. Such cases can be checked by entering NR when an item is not reported/not reportable. If possible, please
review your survey workbooks for any blank data-entry cells and replace them before submitting.
2. Exceeding set boundaries: These compare against lower and upper boundaries for averages and ratios. The boundaries are intended to
allow a wide range, but may not be appropriate for your organization.
Glossary
Definitions for selected terms can be found in the Glossary tab.
Submitting the completed survey
Submitted via Intralinks:
Please have your organization's Study Coordinator that established access to an Intralinks account submit this and any other survey
workbooks.
To submit your completed survey, log in to your organization's Intralinks account where you will see a folder labeled with a unique numeric
identifier assigned to your organization. Within this folder are two subfolders – one for submitting your data and the other for retrieving data
that we may send you. Locate the Submit Data folder, and upload your completed survey workbooks on the encrypted Intralinks platform.
Once we receive notification of your submission, acknowledgement of receipt will be sent to you from [email protected].
Page 2 of 7
Example
This average value is unusually low.
Networks, Processors, and Issuers Payments Surveys (NPIPS)
Mobile Wallet Processor Payment Survey
Instructions
Questions?
If you have questions about the survey content or need assistance with the submission process, please contact the Federal Reserve
Payments Study team at www.paymentsstudy.com.
Comments
Please provide any feedback and suggestions about the survey or submission process in the box below:
Page 3 of 7
Mobile Wallet Processor Payment Survey
2024 Data
Annual Data Entry
Please report data on mobile wallet transactions and related information for calendar year 2024. Responding completely and accurately will help ensure accuracy
of the aggregate estimates.
Include:
* Only transactions originated on your mobile wallet platform, including those received on another system
* All domestic and cross-border transactions associated with US-domiciled accounts
Please leave no item blank.
* Enter "0" if an item is zero
* Enter "NR" if an item is nonzero
but cannot be reported
Do not include:
* Transactions made from non-US-domiciled accounts to US payees
Definitions for selected terms can be found in the Glossary tab.
Calendar year 2024 mobile wallet transactions
1
Open-use general-purpose (pay
unaffiliated organizations)
Please indicate what type(s) of mobile wallet transactions are reported in your response to this survey.
Closed-use (pay limited to issuers stores
or affiliates)
Both
Tr2
Trn_Val
Trn_Avg
Total transactions = 2.a + 2.b + 2.c
Do not include declined transactions.
Tr 2.a
TrnPrch_Val
TrnPrch_Avg
Purchase transactions = 2.a.1 + 2.a.2
Number
Value ($)
Avg. Value ($)
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Tr
2.a.1
TrnPrchPpr_Val
TrnPrchPpr_Avg
In-person purchase transactions
Mobile wallet transactions at the merchant point of sale. Typically includes mobile
wallet transactions the customer initiates by interacting with a physical terminal or
other device provided by the merchant or payee. Also may include in-person
mobile wallet transactions initiated by other means.
Number
Value ($)
Avg. Value ($)
% of purchase transactions (Number)
NR
NR
Tr
2.a.2
TrnPrchRmt_Val
TrnPrchRmt_Avg
Remote purchase transactions (customer not at merchant location)
Mobile wallet transactions for which the customer is not at the merchant point of
sale. Typically includes mobile wallet transactions for which the customer does not
interact with a physical terminal or other device provided by the merchant or
payee.
Number
Value ($)
Avg. Value ($)
% of purchase transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Tr 3.a
Radio transmission RFID/NFC ("Tap" device at terminal)
TrnPrchPprRadio_Val
TrnPrchPprRadio_Avg
Number
Value ($)
Avg. Value ($)
% of in-person purchase transactions (Number)
NR
NR
Tr 3.b
Optical barcode/QR code ("Scan" device display)
TrnPrchPprBarcode_Val
TrnPrchPprBarcode_Avg
Number
Value ($)
Avg. Value ($)
% of in-person purchase transactions (Number)
NR
NR
Tr 2.b
TrnP2P_Val
TrnP2P_Avg
Person-to-person or peer-to-peer (P2P) transactions
Funds transfers between individuals.
Tr 2.c
TrnOth_Val
TrnOth_Avg
Other transactions
Tr 3
In-person purchase transactions (repeat item 2.a.1) = 3.a + 3.b
TrnPrchPprRept_Val
TrnPrchPprRept_Avg
Page 4 of 7
Mobile Wallet Processor Payment Survey
2024 Data
Annual Data Entry
Transaction value distribution
Tr 4
TrnRept_Val
Total transactions (repeat item 2) = 4.a + 4.b + 4.c + 4.d + 4.e + 4.f + 4.g + 4.h + 4.i
TrnRept_Avg
Tr 4.a
Trn05_Val
Trn05_Avg
Transactions with less than $5.00 in total value
Tr 4.b
Trn510_Val
Trn510_Avg
Transactions with $5.00 to $9.99 in total value
Tr 4.c
Trn1015_Val
Trn1015_Avg
Transactions with $10.00 to $14.99 in total value
Tr 4.d
Trn1525_Val
Trn1525_Avg
Transactions with $15.00 to $24.99 in total value
Tr 4.e
Trn2550_Val
Trn2550_Avg
Transactions with $25.00 to $49.99 in total value
Tr 4.f
Trn50100_Val
Trn50100_Avg
Transactions with $50.00 to $99.99 in total value
Tr 4.g
Trn100500_Val
Trn100500_Avg
Transactions with $100.00 to $499.99 in total value
Tr 4.h
Trn5001000_Val
Trn5001000_Avg
Transactions with $500.00 to $999.99 in total value
Tr 4.i
Trn1000_Val
Trn1000_Avg
Transactions with $1,000.00 or greater in total value
Number
Value ($)
Avg. Value ($)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
% of total transactions (Number)
NR
NR
Number
Value ($)
Avg. Value ($)
Fraud rate (Number)
Fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
Purchase transactions fraud rate (Number)
Purchase transactions fraud rate (Value)
NR
NR
NR
Third-party fraudulent transactions
Fr5
Frd_Val
Frd_Avg
Frd_Num_Rate
Frd_Val_Rate
Third-party fraudulent transactions = 5.a + 5.b + 5.c
Include all unauthorized third-party fraudulent transactions that cleared and settled for which
funds subsequently became available to the perpetrator. Do not include fraud attempts that
were prevented before they were cleared and settled, or fraud committed by the
accountholder or other users authorized to make payments.
Fr 5.a
FrdPrch_Val
FrdPrch_Avg
FrdPrch_Num_Rate
FrdPrch_Val_Rate
Purchase transactions = 5.a.1 + 5.a.2
Fr
5.a.1
FrdPrchPpr_Val
FrdPrchPpr_Avg
FrdPrchPpr_Num
FrdPrchPpr_Val_
In-person purchase transactions
Fraudulent mobile wallet transactions at the merchant point of sale. Typically
includes fraudulent mobile wallet transactions the customer initiates by interacting
with a physical terminal or other device provided by the merchant or payee. Also
may include in-person fraudulent mobile wallet transactions initiated by other
means.
Number
Value ($)
Avg. Value ($)
In-person purchase transactions fraud rate (Number)
In-person purchase transactions fraud rate (Value)
NR
NR
NR
5.a.2
Remote purchase transactions (customer not at merchant location)
Fraudulent mobile wallet transactions for which the customer is not at the
merchant point of sale. Typically includes fraudulent mobile wallet transactions for
which the customer does not interact with a physical terminal or other device
provided by the merchant or payee.
Number
Value ($)
Avg. Value ($)
Remote purchase transactions fraud rate (Number)
Remote purchase transactions fraud rate (Value)
NR
NR
NR
Fr
FrdPrchRmt_Va
FrdPrchRmt_Avg
FrdPrchRmt_Nu
FrdPrchRmt_Va
Page 5 of 7
Mobile Wallet Processor Payment Survey
2024 Data
Annual Data Entry
Fr 5.b
FrdP2P_Val
FrdP2P_Avg
Person-to-person or peer-to-peer (P2P) transactions
Fraudulent funds transfers between individuals.
FrdP2P_Num_Rate
FrdP2P_Val_Rate
Fr 5.c
FrdOth_Val
FrdOth_Avg
FrdOth_Num_Rate
FrdOth_Val_Rate
Other transactions
Fr6
Third-party fraudulent in-person purchase transactions (repeat item 5.a.1) = 6.a + 6.b
FrdPrchPprRept
FrdPrchPprRept_Avg
FrdPrchPprRept_Num_Rate
FrdPrchPprRept_Val_Rate
Fr 6.a
Radio transmission RFID/NFC ("Tap" device at terminal)
FrdPrchPprRadio_Val
FrdPrchPprRadio_Avg
FrdPrchPprRadio_Num_Rate
FrdPrchPprRadio_Val_Rate
Fr 6.b
Optical barcode/QR code ("Scan" device display)
FrdPrchPprBarcode_Val
FrdPrchPprBarcode_Avg
FrdPrchPprBarcode_Num_Rate
FrdPrchPprBarcode_Val_Rate
Number
Value ($)
Avg. Value ($)
P2P transactions fraud rate (Number)
P2P transactions fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
Other transactions fraud rate (Number)
Othe transactions fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
In-person purchase transactions fraud rate (Number)
In-person purchase transactions fraud rate (Value)
NR
NR
NR
NR
NR
Number
Value ($)
Avg. Value ($)
Radio transmission RFID/NFCs fraud rate (Number)
Radio transmission RFID/NFCs fraud rate (Value)
NR
NR
NR
Number
Value ($)
Avg. Value ($)
Optical barcode/QR code fraud rate (Number)
Optical barcode/QR code fraud rate (Value)
NR
NR
NR
Number of provisioned mobile wallets
Preferred basis for reporting
mobile wallet activity
7
Active mobile wallets are mobile wallets that were provisioned and were used to make at
least one payment over a period of time. In which basis would you prefer to report active
mobile wallets below? If possible, please use 1 year (the default selection).
1 month
3 months
6 months
1 year
Other, please describe below:
M8
Number of active and total provisioned mobile wallets as of December 31, 2023
MWBegTotl_Num
Active mobile wallets
Total mobile wallets
Active to total provisioned mobile wallets
as of December 31, 2023 ratio
MWBeg_Rate
M9
Number of active and total provisioned mobile wallets as of December 31, 2024
MWEndTotl_Num
NR
Active mobile wallets
Total mobile wallets
Active to total provisioned mobile wallets
as of December 31, 2024 ratio
MWEnd_Rate
Comments:
Page 6 of 7
NR
Mobile Wallet Processor Payment Survey
Glossary
Item
Definition
Mobile wallet: 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.
United States: The states, territories, and possessions of the US, the District of Columbia, the
Commonwealth of Puerto Rico, or any political subdivision of any of the foregoing.
2a.1
In-person purchase transactions: Transactions for which an electronic device, such as a
smartphone, smart watch, or activity tracker, was "tapped" to pay at the POS terminal (e.g., Apple
Pay, Samsung Pay, Google Pay, Fitbit Pay) and private-label payment methods on mobile wallets
supported by specific merchants. Such payments can be initiated through radio transmission
RFID/NFC or optical barcode/QR code. Do not include payments initiated using a physical card or
token.
2a.2
Remote purchase transactions (customer not at merchant location): In-app
transactions or browser transactions made with a digital wallet. Browser transactions include both
digital wallets (e.g., Apple Pay, Google Pay, Samsung Pay), third-party tokenized digital wallets (e.g.,
PayPal, Amazon Pay, Square Restaurants, Visa Checkout, Masterpass), and private-label payment
methods on mobile wallets supported by specific merchants.
3a
Radio transmission RFID/NFC ("Tap" device at terminal): Payments are initiated by
mobile device using a variety of secure radio methods. Contactless chip payments may use Radio
Frequency Identification (RFID) and/or a specialized subset of Near-field Communications (NFC)
standards to initiate and authenticate a purchase transaction.
3b
Optical barcode/QR code ("Scan" device display): Payments are initiated using a mobile
device to scan barcode/QR code or entering an authentication code displayed on phone using the
terminal keypad. Do not include NFC "Tap" transactions which should be entered in those fields listed
above.
4
Transaction value distribution: Your best estimate for the number and dollar value of
transactions that fall within the "dollar size bands" requested.
Page 7 of 7
| File Type | application/pdf |
| Author | May Liu |
| File Modified | 2025-04-10 |
| File Created | 2025-04-09 |