CardBreakageCardbreakage

Tools & research

Instruments we use, published

The calculator, the vocabulary, and the exact data we need — so you can evaluate the approach before you engage.

Breakage calculator

A four-input directional model of expected breakage, redemption, and escheatment exposure. Useful for framing the size of the question.

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Glossary

Working definitions for breakage, outstanding liability, escheatment exposure, liability aging, and cohort analysis.

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Data specification

The extract we work from: activation records with dates and denominations, redemption transactions, and current balances. No customer identifiers required.

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Data specification

Fields we ask for

Transaction-level history produces the strongest model. Where fields are unavailable we state the effect on confidence rather than substituting an assumption silently.

Activation dateDate stored value was issued or loaded
Issued amountFace value at activation or load
Denomination / productProduct tier or denomination band
ChannelDistribution or issuance channel
Redemption dateDate of each redemption event
Redemption amountValue redeemed per event
Current balanceOutstanding balance as of extract date
Program identifierProgram or merchant key for multi-program portfolios

Engagement

Run your breakage audit

A confidential, analyst-led review of your stored-value liability — expected breakage, redemption behavior, and escheatment exposure quantified against your own data.

No engagement commitment required. Scope is confirmed before work begins.

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