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Table of Contents

Lead Story

Payments industry boldly moves forward


Industry Update

FDIC warns banks about processors

IRS backs down on reconciliation requirement

Facebook becoming a payment business

Trade Association News


GS Advisory Board:
Views on IRS reporting and TIN matching

It's time to build your sales force

Marc Beauchamp
Performance Training Systems

An interview with Harold Montgomery

Ken Musante
Eureka Payments LLC

Research Rundown

Commanding retail categories

Minimal (but effective) marketing makeovers

Selling Prepaid

Prepaid in brief

Glitch in Google Wallet raises security concerns

FIs awaken to prepaid's power


Shop small, shop local

Patti Murphy
ProScribes Inc.


Street SmartsSM:
The ins and outs of marketing

Bill Pirtle
C3ET Credit Card Consortia for Education & Training Inc.

Legal strategies for an evolving marketplace

Adam Atlas
Attorney at Law

Modern payment pros fill the knowledge gap

Nicholas Cucci
Network Merchants Inc.

MLSs are masters of change

Dale S. Laszig
Castles Technology Co. Ltd.

Company Profile


New Products

Mobile wallet commerce platform

Apriva Wallet
Apriva LLC


Are you trying too hard?



Resource Guide


A Bigger Thing

The Green Sheet Online Edition

February 27, 2012  •  Issue 12:02:02

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Pillers of payments
An interview with Harold Montgomery

By Ken Musante

Harold Montgomery is the founder and Chief Executive Officer of Calpian Inc., a public company that gives ISOs cash in exchange for their residual portfolios. Calpian is traded via the OTC Bulletin Board under the symbol CLPI.OB.

I have had a chance to listen in on several of Montgomery's ISO presentations, and I remain impressed by his understanding of how to value certain aspects of a processor's contract.

One of the most important aspects with any business is having some sort of exit strategy. By considering that exit strategy upfront, you best position yourself for whatever the future holds.

I believe Montgomery is one of the few individuals who can advise payment professionals, at the outset, how to structure their businesses and to know what aspects of a processing contract are most important and which ones shouldn't be pressed as vigorously.

Spotlight Innovators:

North American Bancard | Simpay | USAePay | Impact Paysystems | Board Studios