Merchant Statement Replay
Bloom & Stem Florist, LLC
ESCALATEwithheld pending approvalProcessor not identified on the statement · 1 statement period · Illustrative sample rate card — demo pricing only · statement-replay-v1
policy content not retained in the record
Statement checksum sha256 ec0a23f843843a97d77235520b0968c78bd46c5aed4cf645cf06c7dd9b00bd14
Sample statement — one month, fictional training data
Outcome
The evaluation returned ESCALATE and no approver has resolved it, so no merchant-facing proposal exists. The findings are listed in the trace below; resolving them is a deliberate, separately sealed act, not a setting.
Merchant category
Printed on the statement, supplied by the operator, or absent. An operator value is never recorded as statement-derived.
Not on the statement
The statement did not print an MCC or a category description.
Underwriting risk measures
The figures a threshold will read. Each names the period it covers and whether the statement data supports it.
| Measure | Value | Period | Support |
|---|---|---|---|
| Refund rate | 2.89% | 2026-06-01 to 2026-06-301 period | SupportedRefunded amount as a share of gross volume, over the periods covered. |
| Dispute / chargeback rate | 0.00% | 2026-06-01 to 2026-06-301 period | SupportedDisputes per transaction, in basis points. This is the count ratio card-brand monitoring uses. |
| Average ticket | $223.30 | 2026-06-01 to 2026-06-301 period | SupportedGross volume divided by transaction count, over the periods covered. |
| Card-not-present share | Not supported | 2026-06-01 to 2026-06-301 period | Not supportedNo card-present versus card-not-present volumes are on the profile. Channel wording is not converted into a share. |
| ACH share | 33.55% | 2026-06-01 to 2026-06-301 period | SupportedACH volume as a share of gross volume. A brand mix with no ACH row is a measured zero, not a missing figure. |
| Volume volatility | Not supported | 2026-06-01 to 2026-06-301 period | Not supportedFewer than two statement periods. A single month is not reported as zero variation. |
Savings / month
$25.78
$309.36 annualized from 1 period
Effective rate
2.01% → 1.83%
on the most recent period
Basis
Exact
every material line repriced from published units
The packet
1 statement period from 1 file, 2026-06-01 to 2026-06-30, spanning 1 calendar month.
- Merchant identity
- One merchant
- Filed as Bloom & Stem Florist, LLC
- Continuity
- Contiguous and in order
- Every calendar month in the span has a statement.
- Statement layout
- Unchanged across the packet
- Data quality exact capable across every period.
Site evidence
Address resolution and name corroboration as retrieved at intake. A miss or an unmatched name is a recorded finding, not a verdict. Nothing here is printed on the merchant-facing proposal.
No site lookup on this packet. Lookup runs at intake, after reconciliation and before sealing.
Reconciliation
Every applicable identity holds. 2 not applicable to this statement's format.
| Identity | Period | Computed | Stated | Delta | Result |
|---|---|---|---|---|---|
| Sum of payment-mix volumes equals gross volume | 2026-06-01..2026-06-30 | $14,291.29 | $14,291.29 | $0.00 | PASS |
| Sum of payment-mix transaction counts equals transaction count | 2026-06-01..2026-06-30 | 64 | 64 | 0 | PASS |
| Sum of fee categories equals total fees | 2026-06-01..2026-06-30 | $287.45 | $287.45 | $0.00 | PASS |
| Stated payment-mix shares sum to 100%the statement does not print a share per mix row | 2026-06-01..2026-06-30 | — | — | — | N/A |
| Recomputed effective rate matches the stated rate | 2026-06-01..2026-06-30 | 2.01% | 2.01% | 0.00% | PASS |
| Total funded equals gross less refunds and disputed principal (fees debited separately) | 2026-06-01..2026-06-30 | $13,877.79 | $13,877.79 | $0.00 | PASS |
| Opening balance plus activity less payouts equals closing balancethe statement has no running-balance section | 2026-06-01..2026-06-30 | — | — | — | N/A |
| Statement periods are in chronological order and do not overlap | — | 0 | 0 | 0 | PASS |
| No statement period appears twice in the packet | — | 1 | 1 | 0 | PASS |
| Every statement in the packet belongs to the same merchant | — | 0 | 0 | 0 | PASS |
| Every statement period has at least one fee line | — | 1 | 1 | 0 | PASS |
Trailing figures
One statement period, so every window holds the same month and the annual figure is that month multiplied by twelve. That is what the projection minimum escalates.
| Window | Periods used | Avg monthly volume | Effective rate | Avg monthly savings |
|---|---|---|---|---|
| 3 months | 1of 3 | $14,291.29 | 2.01% → 1.83% | $25.78 |
| 6 months | 1of 6 | $14,291.29 | 2.01% → 1.83% | $25.78 |
| 12 months | 1of 12 | $14,291.29 | 2.01% → 1.83% | $25.78 |
Volume volatility
Unsupported. Fewer than two statement periods — a single month is not reported as zero variation.
Highest $14,291.29 (2026-06-01..2026-06-30); lowest $14,291.29 (2026-06-01..2026-06-30).
Seasonality
Fewer than three periods — no seasonal shape can be read from this packet.
Strongest month June at 100% of the mean; weakest June at 100%.
Re-priced charges
2026-06-01 to 2026-06-30 · 64 transactions on $14,291.29 of volume
| Charge | Current | Proposed | Change | Basis |
|---|---|---|---|---|
| Card and ACH processing (percentage) | $244.59 | $222.48 | −$22.11 | exact |
| Per-transaction charges | $8.05 | $6.54 | −$1.51 | exact |
| Network and assessment charges | $1.31 | $12.35 | +$11.04 | exact |
| Monthly account service | $14.95 | $9.95 | −$5.00 | exact |
| PCI program fee | $9.95 | $7.95 | −$2.00 | exact |
| Statement delivery | $5.00 | $0.00 | −$5.00 | exact |
| Batch settlement fees | $3.60 | $2.40 | −$1.20 | exact |
| Total | $287.45 | $261.67 | −$25.78 |
Rule trace
Every rule in the pack, in order, with the severity each imposes on failure. This is what the verdict was derived from.
| # | Constraint | Observed | Limit | Result |
|---|---|---|---|---|
| 1 | Statement reconciles to its own totalson failure: BLOCK | 0 | 0 | PASS |
| 2 | Modelled margin at or above flooron failure: BLOCK · observed figure is modelled, not measured | 108 | 20 | PASS |
| 3 | All material proposal lines are exacton failure: ESCALATE | 0 | 0 | PASS |
| 4 | Statement history at or above minimumFewer than three months of statements. on failure: ESCALATE | 1 | 3 | FAIL |
| 5 | ACH shown separately from cardsACH is a large share of volume and is called out separately. on failure: CONDITION | 3355 | 2500 | COND |
Conditions printed on the proposal
Carried onto the merchant document verbatim.
- •Because ACH is a material share of your volume, card and ACH pricing are shown separately throughout this proposal. The two are priced on different bases and should be compared separately.
Sealed records
Oldest first. A superseded record stays on the chain and still verifies.
proof-d344f9af-c5e5-4cea-9438-34ea9e748a38
c5335dbd2afad4ac77e54f1cb66d5f1dfd46470534500a13d6597333e3bab35b
Technical detail
Proof identifiers, hashes, and raw codes. The sections above use the same sealed record in plain language.
- #1 proof-d344f9af-c5e5-4cea-9438-34ea9e748a38 c5335dbd2afad4ac77e54f1cb66d5f1dfd46470534500a13d6597333e3bab35b
- Raw reason codes: fewer_months_than_minimum, ach_share_over_threshold