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Table of Contents

Lead Story

AdvanceMe patent ruling opens merchant funding floodgates


Industry Update

Discover dumps RAP, easi for new program

Nothing beats the feet-on-the-street life

Smart Card Alliance conference: What's in store?

NAOPP teleforum packs potent educational punch

GS Travel Advice: A great place to visit


Heather Marsh

Check 21 to fuel ATM replacements

Tracy Kitten


Processor certification 101

Scott Henry


Street SmartsSM:
Pay, don't touch: Will contactless fly?

Dee Karawadra
Impact PaySystem

Don't snooze and lose the cash advance chance

Mike Evans
2nd Source Funding

Tableside payment solutions: A compelling case

Grant Drummond

Outsource the chores, increase the sales

Ken Musante
Humboldt Merchant Services

Power up your password protection

Joel and Rachael Rydbeck
Nubrek Inc.

Company Profile

Assurz Inc.

Nxgen Payment Services

New Products

Secure, spot-on printing

TROY MICR 2015 Printer
TROY Group Inc.

All-in-one online gift card management

Customer WebSuite
Givex Corp.


Take the easy way



Resource Guide


A Bigger Thing

The Green Sheet Online Edition

September 10, 2007  •  Issue 07:09:01

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NAOPP teleforum packs potent educational punch

In its ongoing effort to be an educational resource to merchant level salespeople, the National Association of Payment Professionals hosted its third teleforum with attorney Paul Rianda, of Irvine, Calif.

The teleforum, held on Aug. 29, 2007, allowed NAOPP members to participate in a free seminar about important legal developments that may have serious repercussions throughout the payments industry.

Rianda covered much ground in less than 45 minutes.

He addressed the increased government scrutiny the industry is experiencing. And he provided an overview of termination fees, which are generating the most attention and triggering enforcement activity.

Rianda covered chilling Federal Trade Commission actions, specifically, the 2002 Certified Merchant Services Ltd. and the 2007 Merchant Processing Inc. cases.

See "Keep the FTC off your back," by David H. Press, The Green Sheet, June 7, 2007, issue 07:06:01 for background on these cases.

In addition, Rianda detailed the potential industry-wide ramifications of recent Arkansas legislation, which limits fees for merchants who cancel credit card servicing agreements. Fourteen other states are considering similar legislation action.

For more information, see "New Arkansas law caps early termination fees," The Green Sheet, June 7, 2007, issue 07:06:01.

He also examined the July 2007 House Judiciary Antitrust Task Force hearings. He listed both the pro and con arguments presented regarding interchange fees. For further details, see "Congress grills warring parties on interchange, The Green Sheet, Aug., 13, 2007, issue 07:08:01.

Speculating on possible outcomes of government scrutiny, Rianda walked through the 2002 Australian action that set benchmarks for interchange pricing. He enumerated some troubling after-effects, which essentially wiped out the fledgling ISO/MLS industry there.

Rianda did not delve into legal issues pertaining to free terminal programs, a topic mentioned in announcements about the event. He noted that he was unable to find information about the subject beyond what has appeared in The Green Sheet and on GS Online's MLS Forum.

Paul Rianda offers special rates for legal advice to NAOPP members. To find out more about NAOPP, its member benefits and future educational offerings 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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