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Table of Contents

Lead Story

Securing a place for EMV in the USA

Patti Murphy
The Takoma Group


Industry Update

PCI seeks ISO nominations for advisory board

A new wave of mobility

Defying the dragons

Cyber security concerns


GS Advisory Board:
Game changers for 2011 - Part 1

The power of selling at the top

Research Rundown

Selling Prepaid

Prepaid in brief

A phone card opportunity calls

Jeffrey Shavitz
Charge Card Systems Inc.

Will gift cards no longer be sold in New Jersey?


What does a processor do?

Brandes Elitch
CrossCheck Inc.


Street SmartsSM:
Gaining wisdom from mistakes

Ken Musante
Eureka Payments LLC

Approaching Asia

Donna Sesto Neary

Leads, leads, leads - Part 1: Lead generation

Peggy Bekavac Olson
Strategic Marketing

PCI vendor selection

Tim Cranny
Panoptic Security Inc.

The risks of riding the gravy train

Jeff Fortney
Clearent LLC

Company Profile

USA ePay

New Products

Receipt paper takes on the rainbow

Colored receipt paper rolls
POS Supply Solutions


Thriving in a multicultural environment


10 Years ago in
The Green Sheet


Resource Guide


A Bigger Thing

The Green Sheet Online Edition

February 14, 2011  •  Issue 11:02:01

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Research Rundown

Has debit use peaked?

Mercator Advisory Group's newly released report, Debit Cardholders: Calm Before the Storm, highlights consumers' growing use of debit cards in 2010. The report reflects what may be a period of peak usage prior to the significant impending changes to debit pricing that implementation of the Durbin Amendment to the Dodd-Frank Act will bring.

Based on a national sample of 1,009 consumers completed in May 2010, the report outlines consumer patterns of debit card ownership, usage, preferences for PIN versus signature transactions, awareness of overdraft reform legislation, participation in alternative and decoupled debit programs, and participation in debit card rewards programs.

#h4 Report highlights

Findings from the report include the following:

  • Cardholders are almost evenly split among the following responses when asked about their favored transaction methods: PIN, signature and "no preference." But when requested by the merchant, a majority of respondents said they comply with a request to enter their PIN.

  • Private label (decoupled) debit programs sponsored by retailers have gained just a small foothold among debit cardholders.

  • Debit reward program participation is not dominant among cardholders; only a minority of participants have ever redeemed rewards.

"Looking at the positive achievements of consumer debit programs through our newly acquired Durbin Amendment lens, we must highlight the attributes most likely to change (such as rewards programs), procedures potentially causing confusion (such as PIN versus signature transactions), or programs that may experience collateral damage (such as decoupled debit programs)," said Ken Paterson, Vice President for Research Operations at Mercator Advisory Group.

For more information go to:

Mobile commerce in 2010 by vertical market

"The increased interest in mobile couponing, and mobile applications in general, show that progressive retailers must invest in these technologies to appeal to their tech-savvy customers."

- John Waldron, Honeywell Scanning & Mobility
Source: Honeywell's Mobile POS Survey conducted by Harris Interactive

Getting ready for mobile

Tego Interactive released the first in a series of white papers and business how-to "CheatSheets," providing insights into mobile commerce and payments, as well as strategies to achieve mobile retail readiness.

News from the cyber fraud front

Cybersource Corp.'s 12th Annual Online Fraud Report indicates that, in 2010, the average percent of online revenues lost to payment fraud ranged from 1.1 percent for small merchants to 0.4 percent for the very largest merchants.

Credit sales down in December

Capital Access Network Inc.'s Q4 2010 Small Business Credit Sales Report shows that Main Street brick and mortar retailers, service providers and restaurants recorded their 13th consecutive quarter of year-over-year credit and signature debit card sales decline in the fourth quarter of 2010, with card sales off 2.56 percent from the same quarter in 2009.

Opportunities in India

The Mercator Map of India: An Overview of the Subcontinent's Payments Market report provides an overview of the Indian banking; credit, debit card and prepaid card; and emerging payment technology markets. "For those who understand it, the Indian payments market presents tremendous opportunity," said Ben Jackson, Senior Analyst of Mercator Advisory Group's Prepaid Advisory Service.

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