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 5 of 5 — VerifyCompleteLast reviewed Jul 18, 2027
What changed, what value is attributable to the intervention, and what can Finance accept as retained?
What do we know?
The approved measurement plan, observed results against forecast, attribution adjustments, what Finance has verified, participation treatment and settlement position.
Why does it matter financially?
Only Finance-Verified value is treated as retained. Everything before verification remains a projection.
What must happen next?
Complete Finance Verification for the measurement period and settle the verified fee.
One readiness record set serves every stage. A completeness percentage appears only where it has been measured; elsewhere it reads Not assessed and is never estimated.
Payment data readiness
One case record set covering every source the debit program depends on, from POS through to contracts.
5 not fully connected3 completeness not assessed
| Source | Required for | Connection | Coverage period | Completeness | Evidence | Owner | Last refreshed | Affected metrics and stages | Next action |
|---|---|---|---|---|---|---|---|---|---|
POS / TLOG transactions DS-01 | Baseline tender mix, own-channel migrated population, Ledger A | Connected | 2025-07-01 to 2027-06-30 | 99.4% | Store systems extract reconciled to daily sales Grocer-validated factStore Systems · 2027-07-12 · confidence High | Store Systems | 2027-07-12 | Baseline acceptance cost, Ledger A migrated population DiagnoseQuantifyImplementVerify | None — maintained on a daily refresh |
Ecommerce transactions DS-02 | Channel split, ecommerce acceptance cost, Ledger A ecommerce lines | Connected | 2025-07-01 to 2027-06-30 | 98.8% | Digital order extract reconciled to settlement Grocer-validated factDigital Engineering · 2027-07-12 · confidence High | Digital Engineering | 2027-07-12 | Ledger A ecommerce benefit, Channel migration DiagnoseQuantifyVerify | None |
Processor statements DS-03 | All-in affiliated debit cost, authorization and posting counts | Connected | 2027-04-01 to 2027-06-30 | 97.1% | Monthly processor statement, three periods received Vendor quoteProcessor / program manager · 2027-07-09 · confidence Medium | Payments Finance | 2027-07-09 | Ledger A actual cost, Program costs Verify | Obtain the June transaction-level supplement for the residual 2.9 percent |
Acquirer / network settlement DS-04 | Settlement reconciliation and baseline-equivalent acceptance cost | Connected | 2027-04-01 to 2027-06-30 | 99.9% | Daily settlement files, complete for the period Grocer-validated factTreasury Systems · 2027-07-05 · confidence High | Treasury Systems | 2027-07-05 | Settlement reconciliation, Ledger A baseline-equivalent cost QuantifyVerify | None |
Fee and chargeback detail DS-05 | Interchange, scheme and chargeback components of acceptance cost | Connected | 2025-07-01 to 2027-06-30 | 98.2% | Fee detail files matched to settlement totals Grocer-validated factPayments Finance · 2027-07-05 · confidence High | Payments Finance | 2027-07-05 | Acceptance cost per tender, Chargeback cost DiagnoseQuantifyVerify | None |
Loyalty / customer identity DS-06 | Cohort construction, migrated-volume attribution, control matching | Partial feed | 2027-04-01 to 2027-06-30 | 94.1% | Join rate measured at 94.1 percent against a 98 percent threshold Grocer-validated factCustomer Data · 2027-07-11 · confidence High | Customer Data | 2027-07-11 | Cohort attribution, Ledger A migrated volume, Control comparison QuantifyImplementVerify | Close the identity join gap; the unmatched 5.9 percent is excluded, not estimated |
Customer eligibility and account data DS-07 | Eligible population, enrollment funnel | Connected | 2027-04-01 to 2027-06-30 | 99.7% | Eligibility rule applied to the loyalty master Grocer-validated factCustomer Data · 2027-07-11 · confidence High | Customer Data | 2027-07-11 | Eligible customers, Enrollment rate ImplementVerify | None |
Provider enrollment and activation DS-08 | Enrollment, activation and active-account counts | Connected | 2027-04-01 to 2027-06-30 | 100.0% | Provider-reported enrollment extract Provider claimProgram partner · 2027-07-08 · confidence Medium | Program Director | 2027-07-08 | Enrolled, Activated, Monthly active ImplementVerify | Provider-reported only; not independently confirmed by the grocer |
Provider purchase transactions DS-09 | Affiliated debit transaction population, spend per active account | Connected | 2027-04-01 to 2027-06-30 | 96.8% | Transaction-level extract, daily Provider claimProgram partner · 2027-07-09 · confidence Medium | Data Platform | 2027-07-09 | Affiliated debit volume, Transaction frequency Verify | Reconcile the 3.2 percent unmatched tail to settlement before the next period |
Outside-the-grocer program economics DS-10 | Ledger B eligible volume and contracted grocer rate | Manual upload | 2027-04-01 to 2027-06-30 | 91.3% | Partner statement supplied as a monthly summary, not transaction level Provider claimProgram partner statement · 2027-07-10 · confidence Low | Finance Systems | 2027-07-10 | Ledger B eligible volume, Ledger B program value QuantifyVerify | Contract transaction-level extract rights; summary-only data caps verified coverage |
Rewards and incentives DS-11 | Reward cost, budget consumption | Connected | 2027-04-01 to 2027-06-30 | 99.5% | Accrual ledger reconciled to the reward budget counter Grocer-validated factLoyalty Engineering · 2027-07-06 · confidence High | Loyalty Engineering | 2027-07-06 | Program costs, Net value QuantifyVerify | None |
Fraud, disputes and losses DS-12 | Loss cost within program costs | Partial feed | 2027-04-01 to 2027-06-30 | Not assessed | Diligence required Diligence requiredDispute outcomes for June remain open; completeness has not been measured · confidence Not assessed | Risk Operations | 2027-07-07 | Program costs, Observed net value Verify | Measure completeness once the June dispute window closes |
Servicing and support costs DS-13 | Servicing cost within program costs | Manual upload | 2027-04-01 to 2027-06-30 | Not assessed | Contact volumes supplied; cost allocation method not agreed Nourishe interpretationCustomer Care · 2027-07-03 · confidence Low | VP Customer Care | 2027-07-03 | Program costs Verify | Agree the servicing cost allocation with Finance |
General ledger / accounting actuals DS-14 | GL reconciliation of every accepted amount | Connected | 2027-04-01 to 2027-06-30 | 100.0% | Journals extracted by account and cost centre Grocer-validated factController · 2027-07-14 · confidence High | Controller | 2027-07-14 | GL reconciliation, Verified net value retained Verify | None |
Contracts, quotes and commercial terms DS-15 | Contracted grocer rate, exclusions, participation basis | Requested | Current term | Not assessed | Unknown UnknownExecuted program agreement not held; the term sheet governs the rate in use · confidence Not assessed | General Counsel | Never | Ledger B contracted rate, Participation basis SelectImplementVerify | Lodge the executed agreement; the rate remains term-sheet evidenced until then |
Decision Brief
Gate: Result accepted through Finance Verification for the measurement periodResult accepted through Finance Verification for the measurement period
- Owner
- D. Alvarez (simulated)
- Due by
- Aug 15, 2027
- Gate action
- Review fee statement
Blockers
- Open provider-credit dispute
- Cross-case overlap review pending finance