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Table of Contents

Lead Story

Equipment leasing has its place


Industry Update

PayPal's Discover deal makes room for acquirers

Square reaching beyond micro-merchants with flat rate

MCX - it's about more than the wallet


Research Rundown

A new strategy for health-care payments

Selling Prepaid

Prepaid in brief

Campus card fees – fair or foul?

International provider with local focus


Opening gateways to AVS

Chandan Mukherjee
PayCube Inc.


Street SmartsSM:
Perry Mason and the post mortem

Jeff Fortney
Clearent LLC

How to help merchants counter fraudulent orders

Bill Hoidas
Matrix Payment Systems

Tips for managing remote sales teams

Alan Kleinman
Meritus Payment Solutions

The smart way to sell POS systems - Part 1

Joe Porco

Ignite revenue with a sales incentive program

Peggy Bekavac Olson
Strategic Marketing

Company Profile

My Clear Reports

New Products

Online loyalty builder for merchants

Simpli Marketing
Tecmark Inc.

POS software delivers optimum control

Syspro Point of Sale


Oasis in the workplace


2012 events Calendar


Resource Guide


A Bigger Thing

The Green Sheet Online Edition

September 10, 2012  •  Issue 12:09:01

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Research Rundown

Despite regulation, debit growth continues

Despite profound regulatory changes, debit card transaction volume experienced strong growth in 2011, according to a 2012 Debit Issuer Study commissioned by the PULSE network and Discover Financial Services. Since the implementation in 2011 of Regulation II, as mandated by the Durbin Amendment to the 2010 Dodd-Frank Act and which restricted debit interchange fees charged by financial institutions with at least $10 billion in assets, there has been speculation about the long-term financial implications of the regulation.

"The latest Debit Issuer Study provides more evidence that growth in debit remains robust even in the face of significant regulatory headwinds," stated Steve Sievert, Executive Vice President of Market and Communications for PULSE.

Study results indicate issuers showed a strong interest in shifting consumers from more costly signature debit transactions to lower-cost PIN transactions. In addition, with revenue reportedly being driven by the number of transactions rather than the amount spent, issuers are also seeking to increase small-ticket, cash-displacement transactions.

Findings released in the study:

  • 76 percent of consumers now have debit cards
    (73 percent in 2010) $8,326 was the average total debit-card spend in 2011
    ($7,781 in 2010)

  • 18.3 debit card purchases per person was the monthly average in 2011
    (16.3 in 2010)

  • Signature debit transaction volume grew by 11 percent in 2011

  • PIN debit transaction volume rose 9 percent in 2011

In addition, issuers expect the market to continue to grow across both consumer and business debit cards, with 15 and 8 percent growth anticipated in PIN and signature transactions, respectively. "Sixty-nine percent of regulated issuers and 76 percent of exempt FIs agreed that focusing on improving penetration, activation and usage for debit cardholders is key to growth in 2012," PULSE stated.

For more information about the 2012 Debit Issuer Study, visit

Hospitality industry engages customers

The inaugural customer engagement technology study by Hospitality Technology revealed current and projected trends in customer engagement technology. Following are the latest levels of deployment in U.S. restaurants and hotels. For more information about the study, visit

Hospitality industry engages customers

Source: Hospitality Technology, Customer Engagement Technology Study 2012

Tech vendors address data security

Cloud-based network management and security provider Mako Networks Ltd. collaborated with five other technology vendors on a white paper that encourages further cooperation by industry partners in making card transactions and consumer data safer in small business environments. The paper addresses Payment Card Industry (PCI) Data Security Standard (DSS) compliance issues, hidden risks and vulnerabilities related to data exposure, and outlines best practices for closing the "PCI loop."

Uptick in CNP fraud

Data released by the FICO Falcon Fraud Manager Consortium showed that from January 2010 to September 2011, card-not-present fraud losses increased at twice the rate of counterfeit card losses. During the same period, card authorization volume also grew by 15 percent, FICO said. ATMs, grocery stores and fuel dispensers were cited as top sources for debit card fraud; while grocery stores, restaurants and online retailers ranked highest in credit card fraud.

New POS core to the store

According to a report by Aberdeen Group, the POS is having an enterprisewide impact on customer engagement strategies in the current era of mobility and device connectedness. Nearly 42 percent of merchants surveyed in The New Point-of-Service (POS): The Core of the Retail Store said they were moving beyond simple transaction processing on POS systems to integrating merchandise, inventory and customer relationship management functions as well.

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