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Table of Contents

Lead Story

Making hay of new IRS reporting requirements

Adam Atlas
Attorney at Law


Industry Update

TCF Bank lawsuit challenges Durbin Amendment

Reaching out to medical marijuana dispensaries

Mercator explains growth in micropayments, virtual purchasing

New MasterCard credit card generates passwords

Trade Association News


Research Rundown

Selling Prepaid

Prepaid in brief

Open-loop prepaid part of CTA's new fare system

Prepaid's emergence in India


Challenges to Dodd-Frank, Durbin heat up

Mark Brady and Ross Federgreen
CSRSI, The Payment Advisors

It's the economy, again

Brandes Elitch
CrossCheck Inc.


Street SmartsSM:
What the feet on the street need from acquirers

Ken Musante
Eureka Payments LLC

Content marketing delivers by engaging prospects

Peggy Bekavac Olson
Strategic Marketing

Going beyond PCI

Tim Cranny
Panoptic Security Inc.

Where is our industry heading?

Jeffrey Shavitz
Charge Card Systems Inc.

Become a payment superhero

Jeff Fortney
Clearent LLC

What PCI DSS 2.0 means for financial institutions

Gary Palgon
nuBridges Inc.

Company Profile

Global Electronic Technology Inc.

New Products

Encrypting, entertaining self-service terminal

Key Innovations Ltd.


The pursuit of happiness



Resource Guide


A Bigger Thing

The Green Sheet Online Edition

November 08, 2010  •  Issue 10:11:01

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A request from academia

I'm working on a thesis dealing with the electronic payment industry and have three questions I've been unable to answer through other research channels. I was hoping you could help me. The questions are:

1. What is the basis of competition between ISOs?

2. Are gift card/rewards program services potentially a large competitive differentiation?

3. What other sorts of competitive differentiation are there?

Jon Schneider
University of Dayton


I referred your questions to Theodore Svoronos. He is a member of our advisory board, as well as co-founder of Merchant University, which provides educational information on the payments industry at He graciously provided the following:

1. The fundamental areas shaping competition among ISOs are:

2. Yes, an ISO that offers gift and rewards programs can potentially capture more market share. These products are important to many merchants and drive customer retention, customer loyalty, marketing and cross-marketing efforts, and more frequent and larger transactions.

3. Other sorts of competitive differentiation include:

I hope these answers provide all the information you need.


Notice to readers: These are archived articles. Contact names or information may be out of date. We regret any inconvenience.

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