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Table of Contents

Lead Story

The POS of tomorrow


Sen. Durbin, bankers criticize Fed rule

PCI to train, certify software integrators

Visa discusses DOJ probe, explains FANF, raises 'no signature' limit


Microfinace News

Patti Murphy

Top 10 best practices for fighting credit card theft and fraud

Aaron Bills
3Delta Systems Inc.

Research Rundown

Isis moves closer to launch

The future of POS technology

Selling Prepaid

Prepaid in brief

Banks seek relevance with prepaid

Customer support's centrality to open transit payments


ACH and the POS: Not necessarily made for each other

Patti Murphy
ProScribes Inc.

Payments ripening on the vine

Brandes Elitch
CrossCheck Inc.


Street SmartsSM:
The hard, but valuable lessons of failure

Jeff Fortney
Clearent LLC

Paving the way to fraud deterrence

Nicholas Cucci
Network Merchants Inc.

Five tips for choosing the best POS system

David Robertson

Company Profile

ExecuTech Lease Group

The Small Business Authority

New Products

A future-proof POS terminal

Equinox Payments LLC

A secure platform for restaurants

SmartLink for Restaurants
Heartland Payment Systems Inc.


Be grateful for no


10 Years ago in The Green Sheet


Resource Guide


A Bigger Thing

The Green Sheet Online Edition

May 28, 2012  •  Issue 12:05:02

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Research Rundown

Fed publishes interchange fee analysis

The Federal Reserve Board recently published a comparative analysis of debit card interchange fees collected before and after the Oct. 1, 2011, implementation of the Durbin Amendment to the Dodd-Frank Act of 2010. Both exempt and nonexempt issuers were studied.

Nonexempt issuers, those with assets of $10 billion or more, now must assess an interchange fee of no more than 21 cents, plus 0.05 percent of the value of the transaction, plus a 1-cent fraud-prevention adjustment, if applicable.

Data collected by the Fed indicate the average interchange fee for all issuers prior to regulation was 43 cents. In the fourth quarter of 2011, interchange fees averaged 24 cents per transaction for nonexempt issues, and 43 cents per transaction for exempt issuers. Further details follow:

fee analysis

For more information about this analysis, please visit

Mobile payments readiness index

MasterCard Worldwide's first Mobile Payments Readiness Index offers a ranking of 34 global markets in terms of readiness to implement mobile payments based on six components: consumer readiness, environment, financial services, infrastructure, mobile commerce clusters and regulation.

top five mobile ready nations

Source: MasterCard, Mobile Payments Readiness Index

First Data reports PIN debit up

First Data Corp.'s April 2012 SpendTrend analysis showed PIN debit leading all payment types with dollar volume up 7.4 percent, followed by credit cards at 5.8 percent. Silvio Tavares, Senior Vice President and Division Manager of First Data Global Information and Analytics Solutions, said, "April card spending was impacted by an earlier Easter, plus the unseasonably warm weather in February and March, which pulled forward seasonal demand."

Compass Plus examines EMV migration

A Compass Plus white paper, Making EMV Work Across New Markets, discusses the growth of Europay/MasterCard/Visa (EMV) as a global payment standard and offers best practices for making the switch as financial institutions in the United States begin migration under mandates from the major card brands. According to the paper, 42 percent of all global payment cards and nearly 76 percent of all terminals use the EMV payment standard.

Home services entities tackle wireless

Apriva LLC issued a white paper on leveraging wireless card payments titled, Wireless Payments Processing for Home Services Businesses: The Many Benefits of Card-Present Payments. Authored by research firm Frost & Sullivan, the paper provides an overview of factors that determine the varying interchange rates and suggests strategies for home services businesses to reduce interchange rates and improve customer 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 | Simpay | USAePay | Impact Paysystems | Board Studios