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Table of Contents

Lead Story

Giving has no season


Industry Update

NFC race heating up

Proximity mobile payments get closer

VeriFone pays $485 million in stock for Hypercom


Visa makes pitch for U.S. microlending

$60 million to fuel small business lending

BAI Retail Delivery 2010: All about retail banking in the 21st century

Ed McLaughlin

Research Rundown

The top 25 U.S.-based charities

Selling Prepaid

Prepaid in brief

Visa pushing prepaid cards for undeserved

Patti Murphy
Inside Microfinance

Gift cards versus the government

Thom Aldredge
World Gift Card


Financing business startups: What ISOs should know

Brandes Elitch
CrossCheck Inc.

PCI changes, incremental step toward industry compliance

Paul Rasori
Secure POS Vendor Alliance


Street SmartsSM:
Enlightening talk about gateways

Ken Musante
Eureka Payments LLC

Stay tuned to your needs when selling

Jeff Fortney
Clearent LLC

Ensuring sales and marketing success in 2011

Peggy Bekavac Olson
Strategic Marketing

PCI: The year in review, the year to come

Tim Cranny
Panoptic Security Inc.

Company Profile


New Products

Preparing for 1099-K

Data Delivery Services Inc.


Give the gift of knowledge



Resource Guide


A Bigger Thing

The Green Sheet Online Edition

December 13, 2010  •  Issue 10:12:01

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Research Rundown

Micro-merchants unprepared for PCI DSS compliance

#dch_According to a report issued by ControlScan and Merchant Warehouse called Diversity Reigns: The Second Annual Industry Survey of Level 4 Merchant PCI Compliance Trends, the survey revealed that "micro-merchants" (businesses employing fewer than 10 employees and rarely processing more than 250,000 credit card transactions annually) think their lower transaction values and volumes make them less attractive to attackers and therefore less susceptible to data breaches.

This belief stands in contrast to another statistic cited in the report that 85 percent of all data compromise events occur at the Level 4 merchants. For more information on the survey, download the report at

SpendTrend shows card spending growth

#dch_First Data Corp.'s SpendTrend Mid Month Flash analysis notes early November 2010 card spending volume growth improved from October due in part to consumers getting a jump on holiday shopping. "Early bird" holiday specials led to increased spending growth so far this month compared to October, the report said.

As consumers began shopping for holiday gifts during the first half of November, they increased the average amount spent, so average ticket growth improved from October. However, year-over-year growth remained negative.

SpendTrend tracks same-store consumer spending via credit, signature debit, PIN debit and electronic benefits cards at U.S. merchant locations. For more information, visit

AmEx identifies five new shopping trends

#dch_American Express Co.'s new research report on consumer spending behavior, New Era of Pause and Purchase, shows U.S. consumers are giving more thought to their purchasing decisions and redefining what it means to be a smart shopper.

The report classifies five key trends currently influencing consumer spending:

To download a PDF of the report, visit

U.S. mobile bill payments to reach $214 billion by 2015

#dch_A new report from Aite Group LLC provides a roadmap to mobile payments in the United States, defining and segmenting the mobile payments universe and examining the competitive and market trends shaping the space.

Based on more than 60 Aite Group interviews with industry representatives in September and October 2010, the report projects the growth of mobile payments in the United States over the next few years.

The United States is far more ahead of the curve than perceived, the report said. Over the past 12 to 18 months, U.S. mobile payments have gained popularity at an increasing rate.

Factors laying the foundation for mobile payments to grow in coming years include rapid consumer adoption of smart phones, carriers' and handset manufacturers' adoption of near field communication chips, consumers' continued embrace of mobile commerce, and a nationwide increase in mobile banking adoption.

All of the multiple categories of mobile payments defined in the report are expected to experience double-digit growth. Mobile payments will account for $214 billion in gross dollar volume by 2015, up from $16 billion in 2010, according to Aite.

Reportlinker research on global debit card industry available

#dch_A new report issued by analyzes the worldwide market for number of debit cards, providing annual estimates and forecasts from 2009 through 2015 for 171 companies.

The report provides separate comprehensive analytics for the United States, Canada, Japan, Europe, Asia-Pacific, Latin America, and "Rest of World."

A six-year historic analysis is also provided for these markets. Some of the topics covered include:

For more information, go to

Mercator highlights strategic directions for co-branded consumer credit cards

#dch_Mercator Advisory Group issued a report analyzing U.S. co-branded credit cards. The report summarizes leading trends and identifies potential strategic directions for these products. Trends highlighted in the report include:

For more information, visit

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

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Spotlight Innovators:

North American Bancard | USAePay | Impact Paysystems | Board Studios