Grocer-Affiliated Debit ProgramBilling and Settlement

Value Case section

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

Stage 3 of 5 — SelectCompleteLast reviewed Jul 18, 2027

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

What do we know?

The candidate intervention models, the qualified providers and how each performs against the approved recoverable amount.

Why does it matter financially?

The selected option fixes the solution cost and the realistic realization profile used in every later projection.

What must happen next?

Approve one intervention model and provider decision with the commercial terms recorded.

Curated Select records for the Grocer-Affiliated Debit Program. Operating models are compared before provider brands. No provider is assumed to supply every program component; unknown capability is shown as Unknown or Diligence required, never as supported and never as zero cost.

Solution requirements

Every requirement traces to a supported gap, root cause, financial driver, compliance requirement or implementation dependency. A requirement without a trace is not admissible.

6 without supporting evidence

Customer eligibility and enrollment

Requirement	Priority	Source / trace	Acceptance criteria	Owner	Evidence	Status
Define an eligible cohort from the loyalty file and enrol without a store-associate dependency at the lane. DR-01	Must-have	Financial driver · QF-FUNNEL Enrollment and activation rates drive every downstream ledger amount.	Digital enrollment completes in under four minutes for 90 percent of test users, measured in UAT.	VP Loyalty	Cohort definition agreed with Loyalty and Legal Grocer-validated factLoyalty file review · 2027-05-18 · confidence High	Approved

Account opening and KYC/AML

Requirement	Priority	Source / trace	Acceptance criteria	Owner	Evidence	Status
Account opening, customer identification, sanctions screening and ongoing AML monitoring are performed by a licensed party, not the grocer. DR-02	Must-have	Compliance requirement · POL-REG-01 The grocer will not assume regulated program obligations.	Named regulated party accepts written responsibility in the program agreement.	General Counsel	Board policy on regulated obligations Grocer-validated factLegal policy register · 2027-04-02 · confidence High	Approved

Sponsor bank and issuer structure

Requirement	Priority	Source / trace	Acceptance criteria	Owner	Evidence	Status
A named sponsor bank issues the affiliated debit product and holds the deposit and settlement relationship. DR-03	Must-have	Implementation dependency · IMP-BANK No card can be issued without an identified sponsor bank.	Sponsor bank named, term sheet received, and bank onboarding diligence commenced.	Treasurer	Diligence required Diligence requiredSponsor bank has not been named in any authorized record · confidence Not assessed	Awaiting approval

Issuer processing

Requirement	Priority	Source / trace	Acceptance criteria	Owner	Evidence	Status
Issuer processing supports authorization, posting, balance, statements and program-level controls for the affiliated debit product. DR-04	Must-have	Implementation dependency · IMP-PROC Processing is the operational core of the program.	Processing capability demonstrated in a sandbox against the grocer test pack.	VP Technology	Processor capability documented publicly for debit programs Public documentationProvider product documentation · 2027-05-06 · confidence Medium	Approved

Network and tender acceptance

Requirement	Priority	Source / trace	Acceptance criteria	Owner	Evidence	Status
The product is accepted on the grocer estate as a lower-cost tender and is routable on at least one debit network the grocer already accepts. DR-05	Must-have	Root cause · RC-TENDER-MIX Own-channel benefit exists only where the affiliated tender is accepted and routes as expected.	Routing and acceptance test pack passes in two banners across POS and ecommerce.	Director of Payments Operations	Existing network acceptance confirmed on the estate Grocer-validated factAcceptance configuration review · 2027-05-11 · confidence High	Approved

Funding and loading model

Requirement	Priority	Source / trace	Acceptance criteria	Owner	Evidence	Status
Customers can fund the account by external bank transfer and direct deposit with clear availability and return handling. DR-06	Must-have	Financial driver · QF-LEDGER-A Funded balance determines the volume available to migrate.	Funding flows, return handling and availability rules documented and tested.	Treasurer	Diligence required Diligence requiredFunding rails and hold policy not documented by any candidate · confidence Not assessed	Approved

POS and ecommerce acceptance

Requirement	Priority	Source / trace	Acceptance criteria	Owner	Evidence	Status
Acceptance works on the existing lane estate and in the ecommerce checkout without lane hardware replacement. DR-07	Must-have	Implementation dependency · IMP-POS No capital budget is approved for lane hardware in the target window.	Integration design review signed before contracting; no hardware line in the plan.	VP Technology	POS estate capability confirmed by Store Systems Grocer-validated factStore systems assessment · 2027-05-14 · confidence High	Approved

Loyalty and identity linkage

Requirement	Priority	Source / trace	Acceptance criteria	Owner	Evidence	Status
The payment credential is durably linked to the loyalty identity so that spend, rewards and measurement resolve to one customer. DR-08	Must-have	Supported gap · GAP-IDENTITY Tender and loyalty identity are not reliably joined today.	Join rate of at least 98 percent on test transactions, reconciled by Data Operations.	Director of Customer Data	Identity join gap quantified in Diagnose Grocer-validated factDiagnose evidence pack · 2027-05-20 · confidence High	Approved

Rewards and incentives

Requirement	Priority	Source / trace	Acceptance criteria	Owner	Evidence	Status
Reward accrual and redemption are configurable by the grocer, funded from the approved budget, and stop when budget is exhausted. DR-09	Must-have	Financial driver · QF-COST-REWARDS Reward cost is a deducted program cost in the approved case.	Reward rules configurable without a provider change request; hard budget stop demonstrated.	VP Loyalty	Reward budget approved in the cost registry Grocer-validated factApproved cost registry · 2027-06-01 · confidence High	Approved

Fraud, disputes, losses and chargebacks

Requirement	Priority	Source / trace	Acceptance criteria	Owner	Evidence	Status
Fraud monitoring, dispute intake, representment and loss allocation are owned by a named party with defined economics. DR-10	Must-have	Root cause · RC-DISPUTES Dispute ownership is split today with no single accountable owner.	Loss-allocation table agreed in the contract and a single dispute queue operating.	Director of Payments Operations	Diligence required Diligence requiredLoss allocation between grocer, issuer and processor is not documented · confidence Not assessed	Approved

Card production and fulfilment

Requirement	Priority	Source / trace	Acceptance criteria	Owner	Evidence	Status
Physical and virtual card issuance, personalization and delivery meet a defined service level. DR-11	Should-have	Implementation dependency · IMP-FULFIL Activation depends on the customer receiving a usable credential.	Virtual card instant; physical card delivered within seven business days for 95 percent of orders.	Program Director	Fulfilment service levels quoted for a comparable program Vendor quoteProvider quote · 2027-06-04 · confidence Medium · quote valid to 2027-09-30	Approved

Customer support

Requirement	Priority	Source / trace	Acceptance criteria	Owner	Evidence	Status
Cardholder support covers balance, disputes, lost or stolen cards and enrollment, with an agreed escalation path to the grocer. DR-12	Must-have	Implementation dependency · IMP-SUPPORT Support model determines both cost and customer experience risk.	Support runbook, hours, and escalation matrix accepted by Customer Care.	VP Customer Care	Unknown UnknownNo candidate has provided a staffed support model for this program · confidence Not assessed	Approved

Settlement and reconciliation

Requirement	Priority	Source / trace	Acceptance criteria	Owner	Evidence	Status
Daily settlement files reconcile to bank cash and to the grocer's tender records at transaction level. DR-13	Must-have	Implementation dependency · IMP-SETTLE Unreconciled settlement blocks Finance verification.	Two consecutive daily cycles reconcile to the cent with a documented break process.	Controller	Reconciliation standard set by Finance Grocer-validated factFinance control standard · 2027-04-22 · confidence High	Approved

Reporting and data ownership

Requirement	Priority	Source / trace	Acceptance criteria	Owner	Evidence	Status
The grocer owns program and customer data, receives raw transaction-level extracts, and can export on exit. DR-14	Must-have	Compliance requirement · POL-DATA-01 Grocer data ownership policy for customer-facing programs.	Data ownership, extract format and exit-export rights written into the agreement.	Chief Data Officer	Diligence required Diligence requiredData ownership terms are proposed but not contracted · confidence Not assessed	Approved

Finance and GL integration

Requirement	Priority	Source / trace	Acceptance criteria	Owner	Evidence	Status
Program activity posts to the general ledger with a defined chart-of-accounts mapping and monthly close support. DR-15	Must-have	Implementation dependency · IMP-GL Statement impact cannot be verified without a GL mapping.	GL mapping approved by the controller and tested in a close simulation.	Controller	Chart-of-accounts mapping drafted by Finance Systems Nourishe interpretationFinance systems working paper · 2027-06-10 · confidence Medium	Approved

Security, privacy, compliance and audit

Requirement	Priority	Source / trace	Acceptance criteria	Owner	Evidence	Status
Current PCI DSS 4.0 attestation and SOC 2 Type II are held by every party touching card data, with grocer audit rights. DR-16	Must-have	Compliance requirement · POL-SEC-02 Third-party control policy for payment data processors.	Attestations reviewed and accepted by Security; audit rights in the contract.	CISO	Attestations published by two candidates Public documentationProvider trust portals · 2027-05-28 · confidence Medium	Approved

Program operations and service levels

Requirement	Priority	Source / trace	Acceptance criteria	Owner	Evidence	Status
Availability, authorization latency, incident response and reporting timeliness are defined with remedies. DR-17	Must-have	Implementation dependency · IMP-SLA Operational failure directly reduces captured volume.	Service levels with credits agreed in the contract schedule.	Program Director	Diligence required Diligence requiredService levels quoted verbally; no schedule received · confidence Not assessed	Approved

Measurement and attribution data

Requirement	Priority	Source / trace	Acceptance criteria	Owner	Evidence	Status
The grocer receives cohort, tender, channel and period fields sufficient for independent measurement, without provider self-verification. DR-18	Must-have	Implementation dependency · IMP-MEAS Verify cannot proceed on provider-asserted results.	Measurement data schedule contracted; two clean test extracts accepted by Data Operations.	Controller	Measurement schedule drafted by Nourishe Nourishe interpretationMeasurement plan draft · 2027-06-12 · confidence Medium	Approved

Commercial economics and contract terms

Requirement	Priority	Source / trace	Acceptance criteria	Owner	Evidence	Status
One-time, recurring, usage and pass-through economics are quoted in writing, with term, minimums, exclusivity, termination and liability. DR-19	Must-have	Financial driver · QF-COSTS Cost registry accuracy determines net benefit and payback.	Written quote valid for at least 60 days covering every economic line in the registry.	VP Finance	Indicative pricing received from one candidate Vendor quoteProvider quote · 2027-06-04 · confidence Medium · quote valid to 2027-09-30	Approved

Decision Brief

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

Operating model and provider configuration approved for contracting and implementation planning

Owner: J. Whitcombe — Value Case Lead (simulated)
Due by: Aug 15, 2027
Gate action: Review fee statement

Blockers

Open provider-credit dispute
Cross-case overlap review pending finance

Decision History Supporting evidence