"Apple Pay at the repair counter: check the card type before changing prices"
"Source","https://bluefinchadvisors.com/blog/auto-repair-apple-pay-debit-classification-audit"
"Basis","This planning scenario uses the values entered. It is not an industry benchmark or a quote."

"Inputs","Value","Unit"
"Total wallet sales in sample","12000","currency"
"Confirmed wallet credit sales","7000","currency"
"Confirmed wallet debit and prepaid","4000","currency"
"Wallet sales reported as credit","11000","currency"

"Results","Value","Unit"
"Unresolved wallet volume","1000","currency"
"Reported minus confirmed credit","4000","currency"
"Unresolved share of wallet sales","8.333333333333332","percent"

"Calculation detail","Value","Unit"
"Confirmed credit","7000","currency"
"Confirmed debit and prepaid","4000","currency"
"Confirmed classification total","11000","currency"
"Wallet sample total","12000","currency"

"Assumptions"
"Defaults are examples. Use the same refund treatment and cutoff for every sales figure."
"Don't count a transaction as both credit and debit/prepaid."
"A difference needs investigation; it doesn't prove a customer was charged incorrectly."

"Result notes"
"PIN use, wallet branding and a contactless payment don't establish credit eligibility."
"Negative results stay visible so you can resolve inconsistent inputs or reporting differences."

"Sources"
"Apple: Refund purchases made with Apple Pay","https://support.apple.com/en-us/118270"
"Visa: U.S. merchant surcharge questions and answers","https://usa.visa.com/dam/VCOM/global/support-legal/documents/merchant-surcharging-qa-for-web.pdf"
"PCI SSC: Card verification code storage","https://www.pcisecuritystandards.org/faq/articles/Frequently_Asked_Question/Can-card-verification-codes-values-be-stored-for-card-on-file-or-recurring-transactions/"
"Stripe: Refund and cancel payments","https://docs.stripe.com/refunds"