Grocer-Affiliated Debit ProgramBilling and Settlement
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Grocer-Affiliated Debit Program

Operating domain: Payments · Capability: Affiliated debit / tender migration and program economics

Billing and SettlementStep 5 of 5 · Verify · Complete
Value at Issue
Approved
Confidence-Adjusted Value Opportunity
Approved
Projected Net First-Year Benefit
Projected
Verified Net Value Retained
Finance-Verified
Executive owner
M. Chen (simulated)
Working owner
J. Whitcombe — Value Case Lead (simulated)
Confidence
High
Data completeness
96%
Next required decision
Review fee statement
Decision owner · required by
D. Alvarez (simulated) · Aug 15, 2027
Reporting period
Calendar year · Q2 2027
Scenario
Approved base case
Approved baseline
Payments Value Case Template v3 · version 7
Data as of
Jul 18, 2027

Grocer-Affiliated Debit Program — Value Case overview

Affiliated debit / tender migration and program economics. What is happening today, what change is proposed, what value may be available, what it costs, and what must be decided next. Every figure is read from this Value Case’s canonical records.

Current recommendation and next action

One recommendation, taken from the decision recorded against the current lifecycle stage.

Invoice issued, partial collection, one open dispute

Review Q2 2027 fee statement and clear the open provider-credit dispute.

Lifecycle stage and status
Verify · Complete
Decision owner · authorized approver
D. Alvarez — Finance (simulated) · D. Alvarez (simulated)
Required by
Aug 15, 2027in 28 days
Value affected
$4,300,000
Confidence
High
Principal unresolved item
Open provider-credit dispute
Consequence of delay
Each period without a decision leaves the affected value unverified and defers fee-eligible realization into the next measurement period.
Open the Verify decision briefView decision basis

Lifecycle journey

Diagnose → Quantify → Select → Implement → Verify. This is the operating journey for the case, not the financial reading order.

  1. Stage 1
    Diagnose

    What is happening in the grocer's current payment flow, where are the economic gaps, and what causes them?

    Complete

    Gate: Do we accept the current-state payment flow, addressable gaps, primary causes and evidence boundaries as the basis for quantification?

    M. Chen (simulated) · reviewed Jul 1, 2027 · 0 blockers

  2. Stage 2
    Quantify

    How much value could the debit program create, what will it cost, and under which assumptions does it produce or destroy value?

    Complete

    Gate: Do we approve the baseline, two-ledger value model, attribution boundaries, scenario and financial case for provider and operating-model evaluation?

    M. Chen (simulated) · reviewed Jul 1, 2027 · 0 blockers

  3. Stage 3
    Select

    Which debit-program operating model and provider configuration can deliver the approved financial case with acceptable cost, risk, and responsibility?

    Complete

    Gate: Operating model and provider configuration approved for contracting and implementation planning

    M. Chen (simulated) · reviewed Jul 1, 2027 · 0 blockers

  4. Stage 4
    Implement

    What must be contracted, integrated, tested, measured, and authorized before the debit program can launch?

    Complete

    Gate: Approved program contracted, integrated, measurable, and authorized to launch

    M. Chen (simulated) · reviewed Jul 1, 2027 · 0 blockers

  5. Stage 5
    Verify

    What changed, what value is attributable to the intervention, and what can Finance accept as retained?

    Complete

    Gate: Result accepted through Finance Verification for the measurement period

    J. Whitcombe — Value Case Lead (simulated) · due Aug 15, 2027 · 6 blockers

How this program creates value

What happens today, what would change, and where value could come from.

1. Today

  • Customers use third-party credit and debit cards at the grocer's POS and ecommerce channels. Observed
  • The grocer receives its merchant sale proceeds less applicable payment-acceptance costs. Observed
  • The grocer does not currently operate the proposed affiliated debit product and therefore has no observed contractual program economics from customers' eligible outside-the-grocer use of that product. Observed

2. Proposed change

  • Offer eligible customers a grocer-affiliated debit product. Contracted
  • Enroll, activate, and drive active use among a defined customer cohort. Modelled
  • Migrate only eligible and actually captured own-channel transactions. Modelled
  • Capture eligible outside-the-grocer purchase volume only when the customer uses the affiliated product. Modelled

3. Potential value

  • Own-channel cost benefit on migrated transactions, measured against the same transaction population. Modelled
  • Contractually available grocer value from eligible external program volume. Contracted
  • Less all program implementation, recurring, usage, rewards, fraud, servicing, internal, and other applicable costs. Modelled
  • Less the applicable projected Nourishe fee. Contracted

Financial story

Five reading steps for this Value Case only. This is a financial summary, not the lifecycle journey.

  1. Step 1

    Value at Issue

    Observed Annual Card-Acceptance Cost

    $18,400,000
    ObservedObserved
    • Credit acceptance cost $11.90M
    • Third-party debit acceptance cost $4.10M
    • Modelled addressable portion $15.00M — the full cost is not avoidable

    High confidence · Data completeness 9600%

    View calculation
  2. Step 2

    Value Opportunity

    Confidence-Adjusted Gross Program Value

    $15,000,000
    ApprovedModelled
    • Own-channel tender-migration benefit $12.60M
    • External-spend program value available to the grocer $2.40M
    • Range $12.80M – $16.40M · High confidence

    High confidence · Data completeness 9600%

    View calculation
  3. Step 3

    Investment Required

    Total First-Year Program Investment

    $1,380,000
    ApprovedContracted
    • One-time implementation $1.20M
    • First-year recurring and usage-based cost $180K
    • Projected Nourishe fee at 3000% of verified value

    High confidence · Data completeness 9600%

    View calculation
  4. Step 4

    Net Return

    Projected Net First-Year Benefit

    $5,882,500
    ProjectedModelled
    • Projected first-year gross realization $10.38M
    • Payback 5 months
    • Approved EBITDA-relevant impact $13.50M

    High confidence · Data completeness 9600%

    View calculation
  5. Step 5

    Value Realized

    Verified Net Value Retained

    $1,680,000
    Finance-VerifiedObserved
    • Finance-verified value $2,400,000
    • Verified Nourishe fee $720,000
    • Verified coverage 1600% of approved opportunity

    High confidence · Data completeness 9600%

    View verification

Customer and value-model snapshot

Only a portion of shoppers are eligible, enrol, activate and generate captured eligible spend. Nothing here assumes universal participation.

Open Quantify
  1. Identified customers
    1,240,000
    Observed

    Distinct loyalty-identified shoppers in the trailing twelve months.

  2. Eligible
    742,000
    Modelled

    Meet age, geography, identity and product-eligibility rules. Eligibility is not universal.

  3. Enrolled
    214,000
    Modelled

    Modelled enrollment across the defined cohort over the first program year.

  4. Activated
    156,000
    Modelled

    Completed activation and made at least one purchase.

  5. Monthly active
    118,000
    Modelled

    Sustained monthly use at steady state. Enrollment does not imply active use.

  6. Captured eligible spend
    $1.86B

    Annual spend actually captured on the affiliated product at steady state.

Own-channel credit spend migrated
$920.00M
ModelledLedger A
Own-channel third-party debit spend migrated
$410.00M
ModelledLedger A
Eligible outside-the-grocer purchase volume captured
$530.00M
ModelledLedger B

Ledger A — Own-channel tender-migration benefit

Modelled
$12,600,000

Acceptance-cost delta on $1.33B of eligible, captured own-channel volume, measured against the same transaction population.

Ledger B — External-spend program value available to the grocer

Contracted
$2,400,000

Contractually available grocer share of program economics on $530M of eligible outside-the-grocer volume.

Reconciled Gross Program Value
$15,000,000

Ledger A and Ledger B are held separately and reconcile to the approved gross recoverable value for this Value Case.

Blockers and missing evidence

Everything that must be resolved before the current gate can be passed. The decision, owner and value affected are stated once above. Detail stays in the owning stage.

Evidence record
  • BlockingOpen provider-credit dispute
  • BlockingCross-case overlap review pending finance
  • BlockingMissing required evidence

    Back-office reconciliation time study

Missing evidence, provider quotes and contract terms are held in the Evidence record. Approvals are recorded in the owning stage’s decision brief.

Measurement and data readiness

Whether this case can be measured, and when the next measurable event occurs.

Measurement plan
Data completeness
9600%
Approval completeness
9200%
Baseline
Approved and locked
Evidence quality
Strong
Earliest next milestone
Aug 15, 2027 — Result accepted through Finance Verification for the measurement period
Finance-verified to date
$2,400,000

Recent material activity

The most recent audited events. The immutable history is never edited.

Full audit history

Audit history

Chronological, immutable record of baseline approvals and amendments, data validation, milestones, adjustments, finance decisions and verification.

  1. Baseline approvalApproved baseline v1Jul 24, 2026

    Trailing 12 months, $800.0M annual payment volume, 1.87% effective cost rate.

    Director of Finance

  2. Data validationData validation completedOct 18, 2026

    Coverage 99.6%, reconciliation variance 0.1%. Sufficient for finance review.

    Controller

  3. Implementation milestoneProduction launch recordedJan 4, 2027

    Launched 4 Jan 2027, three days after plan. No ramp impact.

    Program Director

  4. AdjustmentApproved adjustment — seasonality normalizationJul 2, 2027

    −$60,000 applied to CLM-0001 under the approved measurement plan.

    Director of Finance

  5. Finance decisionClaims submitted for finance reviewJul 6, 2027

    CLM-0001, CLM-0002 and CLM-0003 submitted for the months 7–12 period.

    VP Financial Planning