Type notes in this page, then print or save as PDF. Nothing is transmitted or stored; reloading clears your entries. Illustrative planning aid—not a quote, approval, or network certification.

NUMUS.
Enhanced-data processing
Worksheet 01 / 02 · Economics

Level 3 • Visa CEDP / Product 3 • Mastercard Data Rate III

Make the numbers
prove the promise.

Use a comparable card mix and verified provider inputs. The useful question is whether the realized interchange difference exceeds every additional cost.

01 Gather the right inputs

InputYour valueEvidence to request
Monthly total card volume (USD)Comparable statements
Candidate eligible share (%)Network + card mix
Share of eligible volume actually qualifying (%)Qualification report
Baseline / qualified interchange rates (%)Same card mix, current pricing
Average eligible ticket (USD)Eligible transaction sample
Added monthly cost / fee per qualified transactionAll incremental fees
Program fee rate / exact fee baseWhen and on which volume charged

A submitted transaction can incur a program fee without receiving the expected discount. Verify the fee base. Do not assume every commercial card or every data-rich transaction qualifies.

02 Compare the incremental economics

A

Candidate eligible volumeTotal card volume × eligible share ÷ 100

B

Actually qualifying volumeA × observed qualification share ÷ 100

C

Gross modeled interchange differenceB × (baseline rate − qualified rate) ÷ 100

D

All incremental feesMonthly + per-transaction + program fees on their verified fee bases

E

Net monthly differenceC − D · A negative result means costs increase.

F

Break-even rate improvementD ÷ B × 100 percentage points · Undefined when B is zero.

Existing fees common to both scenarios are excluded. No qualification or savings guarantee.NUMUS · nms.io
NUMUS.
Enhanced-data processing
Worksheet 02 / 02 · Readiness

The provider conversation

Eight questions.
Documented answers.

For each item, note the status, evidence, owner, and next action. Completing this worksheet does not certify your integration or qualify transactions.

01 · Which cards and transaction types qualify?

Confirm network, card product, region, channel, and program-specific eligibility.

02 · Which current network program does this integration support?

Ask about Visa CEDP / Product 3 and Mastercard Data Rate III where relevant.

03 · Where does each required enhanced-data field originate?

Map legitimate invoice or ERP data. Identify gaps without inventing values.

04 · How are invoice totals validated?

Reconcile quantities, unit prices, discounts, freight, tax, and the captured amount.

05 · Does the data survive authorization, capture, and settlement?

Verify the full integration, supported transaction flow, timing, and exception handling.

06 · How does pricing pass through the benefit?

Collect a written fee schedule, program fees and their bases, and contract terms.

07 · What report proves actual qualification?

Request settlement categories, exceptions, and an owner for correcting data failures.

08 · When will we compare realized results?

Choose similar transaction periods and card mixes. Include every incremental fee.

Eligibility → accurate data → qualification → verified economics

Each step needs its own evidence. A gateway accepting a field does not prove a network awarded the intended interchange category.