# Transfer, Dashboard & card brand updates

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## Transfer updates

The following IDs have all been added to the transfer model:

- `sweepID`
- `occurrenceID`
- `scheduleID`

The sweep ID is present when the transfer represents a sweep generated by Moov from the wallet. The schedule ID provides a reference to the schedule the transfer was automatically created from. The occurrence ID provides a reference to the specific occurrence of that schedule.

Moov recently released a [scheduled transfers](/guides/money-movement/scheduling/index.md) beta. The new schedule ID and occurrence ID make it easier to filter and find scheduled transfers. See our [scheduling API](/api/money-movement/schedules/create/index.md) for more details.

In addition, the default statement descriptor on a sweep is now in the following format: `swp_6d72dh`. The default sweep statement descriptor can be overwritten by setting your own statement descriptor when initiating a sweep. See the [API reference](/api/money-movement/sweeps/create-config/index.md) for details.

## Mastercard settlement timing

Mastercard has updated their cutoff time for processing card payments. The cutoff is now 2 AM ET instead of 6 PM ET. Transfers created before the cutoff time are typically credited to a merchant’s Moov wallet the next banking day.

See our [settlement timing](/guides/accept-payments/cards/timing/index.md) guide for more information.

## Dashboard bug fixes

- Fixed an issue where the capability status would be shown as "In Review" instead of "Pending" in certain situations.
- Fixed an issue where the search bar would be hidden if the search request by ID had no results.
- Fixed an issue where an error would appear instead of an empty result when searching for accounts.

## Card brand updates

We've implemented the standard fall updates for card brands, including new interchange calculation tables.

### American Express

We've implemented American Express's new discount fees for utility merchants:

| Pricing | Threshold             | Discount fees |
|---------|-----------------------|---------------|
| Tier 1  | ≤$1,000.00            | 0.00% + $0.75 |
| Tier 2  | $1,000.01 - $5,000.00 | 0.00% + $1.50 |
| Tier 3  | >$5,000.01         | 2.30%         |

### Visa

We've implemented Visa's interchange changes for the following programs:

New installment credential standard credit product for AP region:

| Interchange program     | Fee   |
|-------------------------|-------|
| Premium Card - Base Fee | 1.85% |

Changes for corporate & purchasing fee programs for transactions from fleet & fuel merchants:

| Interchange program          | Fee           |
|------------------------------|---------------|
| Commercial Fuel Level 2 Data | 2.20% + $0.10 |
| Commercial Fuel Level 3 Data | 1.90% + $0.10 |

Two fee programs will **no longer** be supported:

| Interchange program            | Fee           |
|--------------------------------|---------------|
| X Corporate Card Fuel Level 2  | 2.20% + $0.10 |
| X Purchasing Card Fuel Level 2 | 2.20% + $0.10 |