MasterCard acquiring banks must generate daily reports or real-time alerts monitoring merchant deposits at the latest on the day following the deposit, and must be based on the following parameters:
- Increases in merchant deposit volume.
- Increase in a merchant's average ticket size and number of transactions per deposit.
- Change in frequency of deposits.
- Frequency of transactions on the same cardholder account, including credit transactions.
- Unusual number of credits, or credit dollar volume, exceeding a level of sales dollar volume appropriate to the merchant category.
- Large credit transaction amounts, significantly greater than the average ticket size for the merchant's sales.
- Credits issued subsequent to the receipt of a chargeback with the same account number and followed by a second presentment.
- Credits issued to an account number not used previously at the merchant location.
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