Merchant Statement Replay
The Copper Fork Kitchen & Bar
CONDITIONreleased with conditionsProcessor 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 31c0135f7ddc939ce498ebe7f3adac128be933260f3c7591de59f4bdffcfc3cb
Sample statement — one month, fictional training data
Outcome
The evaluation returned ESCALATE and withheld the proposal. Deal Desk Lead (deal desk lead) resolved it on 2026-06-30, within authority for proposal_mode_estimated, fewer_months_than_minimum, which released the proposal as CONDITION with the conditions below printed on it.
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 | 1.93% | 2026-06-01 to 2026-06-301 period | SupportedRefunded amount as a share of gross volume, over the periods covered. |
| Dispute / chargeback rate | 0.13% | 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 | $63.43 | 2026-06-01 to 2026-06-301 period | SupportedComputed from gross volume and transaction count. At least one period does not print an average ticket. |
| 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 | 0.00% | 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
$702.21
$8,426.52 annualized from 1 period
Effective rate
3.16% → 2.42%
on the most recent period
Basis
Estimated
at least one material line held at current cost
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 The Copper Fork Kitchen & Bar
- Continuity
- Contiguous and in order
- Every calendar month in the span has a statement.
- Statement layout
- Unchanged across the packet
- Data quality estimate only 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. 1 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 | $94,327.58 | $94,327.58 | $0.00 | PASS |
| Sum of payment-mix transaction counts equals transaction count | 2026-06-01..2026-06-30 | 1487 | 1487 | 0 | PASS |
| Sum of fee categories equals total fees | 2026-06-01..2026-06-30 | $2,981.46 | $2,981.46 | $0.00 | PASS |
| Stated payment-mix shares sum to 100% | 2026-06-01..2026-06-30 | 100.00% | 100.00% | 0.00% | PASS |
| Recomputed effective rate matches the stated rate | 2026-06-01..2026-06-30 | 3.16% | 3.16% | 0.00% | PASS |
| Total funded matches the funding identity for this billing modethe statement carries a running balance, so funding is tied by the balance identity below rather than by a direct sum; payouts legitimately cross the period boundary | 2026-06-01..2026-06-30 | — | — | — | N/A |
| Opening balance plus activity less payouts equals closing balance | 2026-06-01..2026-06-30 | $5,187.56 | $5,187.56 | $0.00 | PASS |
| 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 | $94,327.58 | 3.16% → 2.42% | $702.21 |
| 6 months | 1of 6 | $94,327.58 | 3.16% → 2.42% | $702.21 |
| 12 months | 1of 12 | $94,327.58 | 3.16% → 2.42% | $702.21 |
Volume volatility
Unsupported. Fewer than two statement periods — a single month is not reported as zero variation.
Highest $94,327.58 (2026-06-01..2026-06-30); lowest $94,327.58 (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 · 1487 transactions on $94,327.58 of volume
| Charge | Current | Proposed | Change | Basis |
|---|---|---|---|---|
| Card and ACH processing (percentage) | $2,351.17 | $1,946.36 | −$404.81 | exact |
| Per-transaction charges | $297.40 | $122.36 | −$175.04 | exact |
| Network and assessment charges | $242.89 | $122.63 | −$120.26 | exact |
| Monthly account service | $0.00 | $9.95 | +$9.95 | exact |
| PCI program fee | $0.00 | $7.95 | +$7.95 | exact |
| Instant payout chargesYour statement shows instant payout charges as a total without the number of units billed, so this category is held at its current cost rather than repriced. | $30.00 | $30.00 | — | estimated |
| Dispute handling charges | $60.00 | $40.00 | −$20.00 | exact |
| Total | $2,981.46 | $2,279.25 | −$702.21 |
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 | 70 | 20 | PASS |
| 3 | All material proposal lines are exactSome charges could not be recalculated from unit counts. on failure: ESCALATE | 1 | 0 | FAIL |
| 4 | Statement history at or above minimumFewer than three months of statements. on failure: ESCALATE | 1 | 3 | FAIL |
| 5 | ACH shown separately from cardson failure: CONDITION | 0 | 2500 | PASS |
Conditions printed on the proposal
Carried onto the merchant document verbatim.
- •Some charges on your current statement are shown as a total without the unit counts behind them. Those lines are estimated rather than recalculated, and are identified individually.
- •This proposal is based on 1 statement period. Figures shown as annual are projected from that basis and will vary with seasonality.
Sealed records
Oldest first. A superseded record stays on the chain and still verifies.
proof-fbe1cc7f-929a-4b1c-a718-f7fb08ffb1d2
167db67d4846efaff6021cecdfde49fe4dc5960bd3a04bcdb25771518306befd
proof-a70cff01-b21c-4e94-b1f1-84bf7b24911a
d94f923a567f71d25c4374f4f63670e067003aeb8a4712bbf82290d21af7f00d
Technical detail
Proof identifiers, hashes, and raw codes. The sections above use the same sealed record in plain language.
- #2 proof-fbe1cc7f-929a-4b1c-a718-f7fb08ffb1d2 167db67d4846efaff6021cecdfde49fe4dc5960bd3a04bcdb25771518306befd
- #3 proof-a70cff01-b21c-4e94-b1f1-84bf7b24911a d94f923a567f71d25c4374f4f63670e067003aeb8a4712bbf82290d21af7f00d
- Raw reason codes: None.