1
A GUIDE TO READING YOUR
MERCHANT STATEMENT
We know that if a statement is
difficult to read, it’s difficult to use.
You told us you wanted more information about how to read your statement; this
guide is easier to read and contains more of the information that helps you truly
understand your processing data.
We believe a great statement is one that helps you do business. And we’re
committed to providing you the information you need to quickly and accurately
reconcile your statement—a statement we’re proud to make.
View your electronic statements and
account detail in our Resource Online
reporting solution.
n
User-friendly format
n
Easy-to-read sections
n
Simple reconcilement
n
Fees broken down
n
Qualification rate displayed
Chase Paymentech
PO Box 29534
Phoenix, AZ 85038
MERCHANT NAME
ATTN: JOHN DOE
123 MAIN STREET
ANYWHERE, NY 12345
Merchant Number: 000000000000 Statement Period:
MERCHANT NAME 01-Jan-20XX - 31-Jan-20XX
If you have any questions regarding your statement, please contact: 1.XXX.XXX.XXXX
There are no new messages.
Statement Summary
Deposit Amount: $160.00
Amount Transferred: $40.00
Chargebacks & Reversals: $0.00
Financial Adjustments: $20.00
Charges & Fees: $1.43
2
A GUIDE TO READING YOUR MERCHANT STATEMENT
Section 1: Cover Page
This section displays your merchant address and processing
information. This page contains important summary-level
financial information as well as a section for messages to
notify you of important service and account information.
This page also includes the customer service number for
assistance with your processing needs and questions.
Merchant provider’s return address.
Merchant’s name and current mailing address.
A high-level overview of financial events
occurring during the statement period.
The customer service phone number for
statement-related questions.
Merchant-specific information, including the
merchant number and the statement period.
Message area containing important service
announcements and account information.
YOUR STATEMENT DEFINED
Your merchant services financial statement is available online, and is divided into the following sections.
6
1
1
2
2
6
5
3
4
3
4
5
6
6
Deposit Summary
Number
of Items
Total Deposit
Amount
Deposit
Adjustments
Net Deposits
Funded
Totals By Card Type Totals By Card Type
Totals By Card Type
Totals By Card Type
1/1 2 $ 50.00 $ 0.00 $ 50.00 $ 20.00 MC* $ 20.00 VISA* $ 0.00 JCB $ 0.00 DEBIT* $ 0.00
AMEX $ 30.00 DSCV* $ 0.00
1/15 1 $ 20.00 $ 0.00 $20.00 $ 20.00 MC* $ 0.00 VISA* $ 0.00 JCB $ 0.00 DEBIT* $ 0.00
AMEX $ 0.00 DSCV* $ 20.00
1/7 2 $ 40.00 $ 0.00 $ 40.00 $ 40.00 MC* $ 0.00 VISA* $ 20.00 JCB $ 0.00 DEBIT* $ 20.00
AMEX $ 0.00 DSCV* $ 0.00
1/21 1 $ 50.00 $ 0.00 $ 50.00 $ 0.00 MC* $ 0.00 VISA* $ 0.00 JCB $ 50.00 DEBIT* $ 0.00
AMEX $ 0.00 DSCV* $ 0.00
1/25 1 $ 0.00 $ 0.00 $ 0.00 $ 0.00 MC* $ 0.00 VISA* $ 0.00 JCB $ (20.00) DEBIT* $ 0.00
AMEX $ 20.00 DSCV* $ 0.00
Totals 7 $ 160.00 $ 0.00 $ 160.00 $ 80.00 MC* $ 20.00 VISA* $ 20.00 JCB $ 30.00 DEBIT* $ 20.00
AMEX $ 50.00 DSCV* $ 20.00
*Funded by Chase Paymentech
†Bank account number *****0000
†Reflects most current bank account number
†All amounts in US Dollars
If you have any questions regarding your statement, please contact: 1.XXX.XXX.XXXX
Post
Date
3
A GUIDE TO READING YOUR MERCHANT STATEMENT
Section 2: Deposit Summary
This section provides a comprehensive view of your account
activity broken down by card type, including all card type
transactions you accepted and processed during the statement
period, as well as any financial adjustments made to your
deposits. Negative amounts (credits withheld or removed from
your deposits) are indicated in red text with parentheses.
Post Date – The date the transaction amounts were
submitted to Chase Paymentech for processing.
Number of Items – The number of transactions per
batch submitted for processing.
Total Deposit Amount – The total dollar amount
(sales minus returns) of each batch submitted.
Deposit Adjustments – The dollar amount of the
transactions that were rejected and not processed
during posting.
Net Deposits – The total deposit amount less any
deposit adjustments.
Funded – The net dollar amount funded to the
merchant by Chase Paymentech; more detail is
provided in Section 3: Funding Summary.
Totals By Card Type – The total net dollars detailed
by card type; the amount is to the right of the card
type; more detail is provided in Section 4: Credit
Card Summary.
Totals – A grand total of all activity during the
statement period.
Bank account number – The last 4 digits of the
bank account number used for funding deposits.
7
7
8
8
9
9
10
10
11
11
13
13
12
12
14
14
15
15
Funding Summary
Date
Deposits
Chargebacks/
Reversals
Financial
Adjustments
Charges/
Fees
Amount
Transferred
Totals $ 80.00 $ 0.00 $ (20.00) $ (20.00) $ 40.00
†Bank account number *****0000
†Reflects most current bank account number
†All amounts in US Dollars
If you have any questions regarding your statement, please contact: 1.XXX.XXX.XXXX
1/1 $ 20.00 $ 0.00 $ 0.00 $ (20.00) $ 0.00
1/7 $ 40.00 $ 0.00 $ (20.00) $ 0.00 $ 20.00
1/15 $ 20.00 $ (20.00) $ 0.00 $ 0.00 $ 0.00
1/21 $ 0.00 $ 20.00 $ 0.00 $ 0.00 $ 20.00
4
A GUIDE TO READING YOUR MERCHANT STATEMENT
Section 3: Funding Summary
This section provides a comprehensive view of
your daily deposit details, including chargebacks
and reversals; financial adjustments; and charges
and fees. Negative amounts (credits withheld or
removed from your deposits) are indicated in red
text with parentheses.
Date – The date the funding was processed.
Deposits – The net dollar amount funded to the
merchant by Chase Paymentech.
Chargebacks/Reversals – The net dollar amount of
the financial events due to chargebacks and
reversals; more detail is provided in Section 5:
Chargebacks & Reversals.
Financial Adjustments – The net dollar amount
of settlement adjustments to your account. More
detail is provided in Section 6: Financial
Adjustments.
Charges/Fees – The net charges and fees amount
deducted from funding during the statement period;
more detail is provided in Section 7: Charges & Fees.
Amount Transferred – The net dollar amount
transferred to your account by Chase Paymentech,
reflecting all adjustments.
Totals – A grand total of all activity during the
statement period.
Bank account number – The last 4 digits of the
bank account number used for funding deposits.
16
16
17
17
18
18
19
19
20
20
21
21
22
22
23
23
Credit Card Summary
Card
Number
of Items
Sales
Number Of
Items
Credits
Total Number
Of Items
Net Sales
Average
Ticket
MASTERCARD
1 $ 20.00 0 $ 0.00 1 $ 20.00 $ 20.00
VISA
1 $ 20.00 0 $ 0.00 1 $ 20.00 $ 20.00
DISCOVER
1 $ 20.00 0 $ 0.00 1 $ 20.00 $ 20.00
AMERICAN EXPRESS 2
$ 50.00 0 $ 0.00 2 $ 50.00 $ 25.00
JCB
1 $ 50.00 1 $ (20.00) 2 $ 30.00 $ 15.00
DEBIT
1 $ 20.00 0 $ 0.00 1 $ 20.00
$ 20.00
Totals
7 $ 180.00 0 $ (20.00) 7 $ 160.00
†All amounts in US Dollars
If you have any questions regarding your statement, please contact: 1.XXX.XXX.XXXX
Tax Information
The Tax ID Number we have on record currently matches IRS records. There is no action required on your part at this time.
Please contact 866-814-2769 with any questions pertaining to the IRS mandate.
5
A GUIDE TO READING YOUR MERCHANT STATEMENT
Section 4: Credit Card Summary
The Credit Card Summary provides a
detailed breakdown of your sales by
card type for your entire statement
period. You can analyze sales and
returns, as well as sales volumes,
item counts and average ticket.
Card – Lists the various card types you currently
accept.
Number Of Items – Lists the total number of sales
transactions by card type during the statement
period.
Sales – Indicates the total dollar amount of sales
transactions by card type during the statement
period.
Number of Items – Displays the total number of
credit transactions (returns) by card type during the
statement period.
Credits – Displays the total dollar amount of credit
transactions (returns) by card type during the
statement period.
Total Number Of Items – Lists the total number of
transactions (sales and returns) processed by card
type during the statement period.
Net Sale – Summarizes the total dollar amount
processed by card type (sales less returns) during
the statement period.
Average Ticket – Calculates the net total and
divides it by the total number of items for the same
card type.
Totals – Total dollar amount of all credit card
activity processed during the statement period.
Tax Information – explains whether the Tax ID
Number we have on file currently matches IRS
records, and whether you need to take action.
24
24
25
25
26
26
27
27
28
28
29
29
30
30
31
31
33
33
32
32
Chargebacks & Reversals
Date
ACS Number
Chargeback/Reversal Reason
Items Amount
1/15 Chargebacks XXXXXXXXXXX
CREDIT NOT PROCESSED $( 20.00)
1/21 Reversals
XXXXXXXXXXX CREDIT NOT PROCESSED $ 20.00
Total Chargebacks
1 $ (20.00)
Total Reversals
1 $ 20.00
†Bank account number *****0000
†Reflects most current bank account number
†All amounts in US Dollars
If you have any questions regarding your statement, please contact: 1.XXX.XXX.XXXX
6
A GUIDE TO READING YOUR MERCHANT STATEMENT
Section 5: Chargebacks & Reversals
This section lists and summarizes the chargebacks and
reversals for your statement period. These generally
occur once a customer refuses to accept responsibility
for a charge on his or her credit card, or they may be
initiated by the issuing bank due to a technical issue,
such as no authorization approval code received.
Date – Date the chargeback or reversal was
processed to your bank account.
ACS Number – The automated case number (ACS)
assigned to the chargeback/reversal.
Chargeback/Reversal Reason – Indicates the
reason for the chargeback or reversal.
Items – Total number of chargebacks or reversals
for the processing date.
Amount – The dollar amount of the respective
chargeback or reversal.
Total Chargebacks – Total of all of the chargebacks
by item and amount for the statement period.
Total Reversals – Total of all of the reversals by
item and amount for the statement period.
Bank account number – The last 4 digits of the bank
account number used for chargebacks and reversal.
34
34
35
35
36
36
37
37
38
38
39
39
40
40
41
41
Financial Adjustments
Date
Adjustment Description
Items
Amount
1/7
SUPPLIES / EQUIPMENT $20.00
Total Financial Adjustments
1 $20.00
†Bank account number *****0000
†Reflects most current bank account number
†All amounts in US Dollars
If you have any questions regarding your statement, please contact: 1.XXX.XXX.XXXX
7
A GUIDE TO READING YOUR MERCHANT STATEMENT
Section 6: Financial Adjustments
This section itemizes financial adjustments
processed during the statement period based on
date and description, as summarized in the
Funding Summary section. The amount charged
to your account is indicated in black, while any
credits to your account are indicated in red.
Date – Date the adjustment was processed to the
merchant’s bank account.
Adjustment Description – Detailed description of
the adjustment.
Items – Total number of adjustment items on a
processed date.
Amount – Dollar amount of the adjustment on a
given date (black text indicates a negative amount).
Total Financial Adjustments – Total of the
adjustment items and dollar amounts for the
statement period.
Bank account number – The last 4 digits of the
bank account number used for adjustments.
42
42
43
43
44
44
45
45
46
46
47
47
Charges & Fees
Description
Sales Amount
Item Charge
Amount
Charged*
Payment Brand Charges
QUALIFIED CREDIT RATE $ 20.00 1.92% $ 0.38
NON-QUALIFIED CREDIT RATE $ 10.00 3.52% $ 0.35
Total Payment Brand Discount Fees $ 0.73
Non-Bankcard Charges
NETWORK PRE PAID RETAIL DEBIT NETWORK SWITCH FEE 1 $ 0.05 $ 0.05
NETWORK REGULATED FRAUD PER ITEM FEE 1 $ 0.20 $ 0.20
Total Non-Bankcard Sales Fees $ 0.25
Auth Fees
PAYMENT BRAND INTERNET GATEWAY 1 $ 0.25 $ 0.25
PAYMENT BRAND AVS FEE 1 $ 0.05 $ 0.05
PAYMENT BRAND VERIFICATION 1 $ 0.05 $ 0.05
Total Auth Fees $ 0.35
Other Fees
VISA ZERO FLOOR LIMIT 1 $ 0.10 $ 0.10
Total Other Fees $ 0.10
Total Charges and Fees $ 1.43
†Bank account number *****0000
†Reflects most current bank account number
†All amounts in US Dollars
If you have any questions regarding your statement, please contact: 1.XXX.XXX.XXXX
Items
Rate
* Calculated daily, rounding differences may occur
8
A GUIDE TO READING YOUR MERCHANT STATEMENT
PRET-044G 0314 ©2014, Chase Paymentech Solutions, LLC. All rights reserved.
Section 7: Charges and Fees
The Charges and Fees section of your merchant statement
details the fees that were calculated and assessed
during the current statement period. (Fees are listed and
summarized based on your merchant pricing strategy,
therefore this information may vary slightly from the
merchant statement copy that you actually receive.)
Sales Amount – Sales amount used to calculate fees.
Items – Total number of billable events used to
calculate fees, where applicable.
Rate – Percentage rate assigned to a merchant’s
specific fee structure that’s used in conjunction with
the Sales Amount to calculate the Amount Charged.
Item Charge – Represents a fee assigned based on
the merchant’s specific fee structure and is used in
conjunction with the Item Count to calculate the
Amount Charged.
Amount Charged – Total processing fees incurred
during the statement period.
Total Charges and Fees – Represents the amount
assessed based on the Sales Amount and/or the
Items multiplied by the Rate and Item Charge.
Bank account number – The last 4 digits of the
most current merchant bank account number used
to bill the applicable fees.
48
48
49
49
50
50
51
51
52
52
53
53
54
54
