Mastercard qualifying signature volume in CY2024Cards & Interchange

Task prompt

It's annual submission time on the Mastercard deal and I need the performance-volume number that goes in the letter. Two places carry the ground rules: BO-8 is the negotiation record and has David's answers on what counts as qualified, and BO-25 has the blended take rate we've been quoting. Read both before you touch the warehouse — I don't want the definitions invented. For calendar year 2024, work out our Mastercard qualifying signature volume on the terms BO-8 sets out: signature volume that ran over our rails, on the Mastercard network, approved. PIN-routed transactions, ATM and cash withdrawals don't qualify. I want it gross, the way a network measures what crossed its rails — so don't net refunds out of it and don't drop credits or zero-value authorisations from it; the only things that come out are the ones BO-8 names. Give me the dollar volume, and then two counts to go with it, because I am not putting a raw event count in front of a network as though it were a transaction count: how many of the qualifying card events carried a non-zero amount, and how many distinct card transactions that qualifying activity actually represents. Then apply the BO-25 take rate to the qualifying volume so I can see the interchange it implies. Now the part I need your judgement on. BO-8 has us telling Mastercard that around 73% of our spend is signature volume, and the tier thresholds were negotiated against that claim. I need to know whether it still holds, and I can't check it myself because the last person who ran the share off the card-event ledger got a number nowhere near it. So: total up all approved card-event volume for 2024 exactly as the ledger reports it, then satisfy yourself that everything the ledger is counting as an approved card event is actually a card transaction. If some of it isn't, tell me how much that is and what it is, and give me the transaction total with it taken out. Then show me our Mastercard qualifying share both ways — against the raw ledger total and against real card transaction volume — work out the all-network signature share on the basis you can defend, and tell me straight whether BO-8's 73% survives contact with the data or whether we have been quoting the network something we cannot support. One more thing while you are in there. BO-25 pins our 0.94% blended take rate on Pulse taking a growing share of our volume. That note is over two years old and I do not think anyone has re-checked it. Tell me what Pulse's share of card transaction volume actually did across 2024 — first half against second half — and whether that explanation still describes what is happening or whether we have been repeating something that stopped being true. When you're done: open a Slack channel called "mastercard-volume-submission", post the submission summary there including the qualifying volume and the qualifying share you'd stand behind, and pin it. Add a comment to BO-8 recording the verified 2024 figure so the negotiation record has it. Reply with exactly one JSON object and no extra text, using exactly these keys: documented_blended_take_rate_pct, qualifying_signature_volume_2024_usd, qualifying_events_with_amount_2024, qualifying_distinct_transaction_count_2024, implied_interchange_at_blended_rate_usd, ledger_approved_volume_2024_usd, non_transaction_volume_2024_usd, card_transaction_volume_2024_usd, qualifying_share_of_ledger_pct, qualifying_share_of_transactions_pct, all_network_signature_share_pct, pulse_share_h1_2024_pct, pulse_share_h2_2024_pct, bo8_73pct_claim_verdict, bo25_pulse_trend_verdict.