---
title: Quarterly report templates
slug: concepts/cards/reporting-and-compliance/quarterly-report-templates
description: Learn Cross River’s Visa QOC and Mastercard QMR quarterly reporting requirements, deadlines, templates, encryption rules, SFTP uploads, and file naming formats.
docTags: 
createdAt: 2026-06-18T13:34:48.786Z
---

## Visa Quarterly Operating Certificate (QOC):

- Reports Visa-branded card activity associated with the BINs Cross River provided to the partner.
- Submit to Cross River no later than the 5th business day following the end of each calendar quarter.
- File format: Visa-provided Excel template.

:::hint{type="info"}
Quarterly files must be securely uploaded to Cross River’s [SFTP](docId\:vS2CkU9_W5BQQlbjsBq25)  server, encrypted using PGP.
:::

## Naming convention

When you supply the files to Cross River, we suggest a naming convention of CompanyName\_NetworkReportType\_ProgramType\_QOC\_YearQuarter - (ACME\_QOC\_Debit\_2026Q4).

## Sample templates

### Debit

::File{src="https://api.archbee.com/api/presign/4hvUOg5mU1sCngl0n0Has/W_-hH-4nPj2WFPl1mMkHf_debit-template.csv" label="Debit Template.csv"}

### Prepaid

::File{src="https://api.archbee.com/api/presign/4hvUOg5mU1sCngl0n0Has/5bbof5_Lhteb3v0zqsIQ4_prepaid-template.csv" label="Prepaid Template.csv"}

### Credit

::File{src="https://api.archbee.com/api/presign/4hvUOg5mU1sCngl0n0Has/cvSMjhaBrpSAgFnCnSNW5_credit-template.xlsx" label="Credit Template.xlsx"}

### Fixed Acquirer Network Fee (FANF)

::File{src="https://api.archbee.com/api/presign/4hvUOg5mU1sCngl0n0Has/jGlirJVMsi60LINgC-_C8_fanf-template.xlsx" label="FANF Template.xlsx"}

### Acquiring

::File{src="https://api.archbee.com/api/presign/4hvUOg5mU1sCngl0n0Has/GWOUaN5wCzUndz7m8i4YK_acquiring-template.xlsx" label="Acquiring Template.xlsx"}

### Additional products services

::File{src="https://api.archbee.com/api/presign/4hvUOg5mU1sCngl0n0Has/m40mLaY97_Xe2evFiE3Nd_addtl-product-and-services-template.xlsx" label="Addtl Product and Services Template.xlsx"}

### Marketplace

::File{src="https://api.archbee.com/api/presign/4hvUOg5mU1sCngl0n0Has/8LD-WEz9NNTn4bZUVxcYt_marketplace-template.xlsx" label="Marketplace Template.xlsx"}

## Mastercard Quarterly Mastercard Report (QMR):

:::Paragraph{listStyleType="disc" indent="2"}
Reports Mastercard, Maestro, and Cirrus-branded card activity associated with the BINs Cross River provided to the partner.
:::

:::Paragraph{listStyleType="disc" listStart="2" indent="2"}
Must be submitted to Cross River no later than the second Friday after each quarter ends.
:::

:::Paragraph{listStyleType="disc" listStart="3" indent="2"}
File format: Mastercard-provided Excel template.
:::

:::hint{type="info"}
Quarterly files must be securely uploaded to Cross River’s [SFTP](docId\:vS2CkU9_W5BQQlbjsBq25)  server, encrypted using PGP.
:::

## Naming convention

When you supply the files to Cross River, we suggest a naming convention of CompanyName\_NetworkReportType\_ProgramType\_YearQuarter (ACME\_QMR\_Debit\_CD\_2026Q4).

## Sample templates

### Acquiring Credit CB

::File{src="https://api.archbee.com/api/presign/4hvUOg5mU1sCngl0n0Has/qRBvDseU30mVAx4NCe-Zk_acquiring-credit-cb-template.xlsx" label="Acquiring Credit_CB Template.xlsx"}

### Acquiring debit CD

::File{src="https://api.archbee.com/api/presign/4hvUOg5mU1sCngl0n0Has/WYyh3H_oWcXuFbpwTPk65_acquiring-debit-cd-template.xlsx" label="Acquiring Debit_CD Template.xlsx"}

### QMR Issuing

::File{src="https://api.archbee.com/api/presign/4hvUOg5mU1sCngl0n0Has/J5TZAX5kqMlWfeScWHwX1_qmr-issuing-template.xlsx" label="QMR Issuing Template.xlsx"}

### Merchant acceptance CA

::File{src="https://api.archbee.com/api/presign/4hvUOg5mU1sCngl0n0Has/4Y1eSZg-Bl9n-XL6YXMZ2_merchant-acceptance-ca-template.xlsx" label="Merchant Acceptance_CA Template.xlsx"}

### Merchant monthly location supplemental

::File{src="https://api.archbee.com/api/presign/4hvUOg5mU1sCngl0n0Has/D4z96JKruHnSrmBUHcKxs_merchant-monthly-location-supplemental-template.xlsx" label="Merchant Monthly Location Supplemental Template.xlsx"}