"Measure payment friction without claiming zero complaints"
"Source","https://bluefinchadvisors.com/blog/payment-choice-complaint-rate-baseline"
"Basis","User-entered planning records. Filled fields do not establish completion, approval or compliance."

"Observation window","Observed checkout journeys, including failures","Defined issue count","Issue categories","Data coverage limits","Change to investigate","Missing required fields"
"Example month","100","5","Price question / technical error","Phone notes incomplete","Review estimate wording","None"

"Use this worksheet"
"Starting values are fictional examples, not customer records."
"Keep confidential evidence in your approved business systems. Record only a reference here."
"Complete each row from observed evidence. A completed worksheet does not certify legal compliance or provider compatibility."
"Export your CSV to approved storage before leaving this page."

"Sources"
"Visa: surcharging questions and correct cash-discount price displays","https://usa.visa.com/dam/VCOM/global/support-legal/documents/merchant-surcharging-qa-for-web.pdf"
"Google Maps: genuine reviews, incentives and rating manipulation","https://support.google.com/contributionpolicy/answer/7400114?hl=en"
"BlueFinch: online payments","https://bluefinchadvisors.com/toolbox/online-payments"
"BlueFinch public payment demonstration, not merchant activation","https://pay.bluefinchadvisors.com/"