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
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.

Forecast and actual are compared on identical scope. Actual replaces forecast for the same eligible elapsed scope; it is never added to it.

Matching basis

Measurement period Q2 2027 · Period closed for measurement on 2027-07-14

PGM-2027.2
Program version
PGM-2027.2
Cohort
Pilot cohort — 24 stores, both banners, plus ecommerce for the same cohort
Store, channel and tender scope
24 pilot stores and cohort ecommerce; credit and third-party debit only
Elapsed dates
2027-04-01 to 2027-06-30 (91 days)
Adoption definitions
Active = at least one settled affiliated debit transaction in the calendar month
Transaction populations
Identity-matched migrated transactions only; 5.9 percent unmatched excluded from both sides
Cost inclusion
Rewards, losses, servicing and provider fees included on both sides
Attribution rules
Matched non-enrolled control cohort, approved by Finance

Forecast versus actual

Own-channel benefit, external-spend program value, program costs and net value are shown separately and never netted into a single headline.

LineForecast (elapsed scope)ActualVarianceVariance %Verification state
Own-channel benefit (Ledger A)$1,562,000$1,507,400−$54,600-349.6%Finance-Verified
External-spend program value (Ledger B)$421,000$404,930−$16,070-381.7%Provider-reported
Program costs$226,000$210,800+$15,200-672.6%Finance-Verified
Net value$1,757,000$1,701,530−$55,470-315.7%Observed — pending Finance acceptance

Decision Brief

Gate: Result accepted through Finance Verification for the measurement period

Result 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
Decision HistorySupporting evidence