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Table of Contents

Lead Story

Patent infringement claims muddy waters of innovation

Patti Murphy


Industry Update

Android Pay makes debut

MyECheck debuts check-based mobile wallet

MasterCard Express fuels digital enablement

Buy buttons gaining steam on social media

Payments industry advances on 2015 Inc. 500/5000


Payments and the U.S. economy


The Mobile Buzz: Mobile Payments Bill of Rights offers best practice framework


Live-streaming POS

Dale S. Laszig
DSL Direct LLC

Square deemed not a money transmitter

Theodore Monroe and Brad Cebeci
Law Offices of Theodore F. Monroe


Street SmartsSM:
Breaking the ice in the MLS Forum

Jeffrey I. Shavitz
TrafficJamming LLC

Benefits of loyalty programs for you and for merchants

Michael Gavin

Legal ease: When is an ISO an MSB?

Adam Atlas
Attorney at Law

Company Profile


New Products

Payment fraud prevention through predictive analytics

Feedzai Fraud Prevention

Real-time, mobile CRM for restaurants

Wisely Inc.


Mental yard sale


Letter from the editors

Readers Speak

Resource Guide


A Bigger Thing

The Green Sheet Online Edition

September 28, 2015  •  Issue 15:09:02

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Readers Speak

Consumers need EMV education, too

Thanks for reprinting the EMV Migration Forum's white paper Understanding the U.S. Fraud Liability Shifts in your Sept. 14 issue. We hope it proves to be a useful tool for your readers in assisting merchants.

As we enter this critical time in the migration to EMV chip cards, educating consumers on the technology is an important step. Many consumers already have at least one chip card in their wallets, and more and more retailers are going to start accepting them ahead of the Oct. 1 fraud liability shift. Target, for example, just announced that all of its stores are now ready to accept chip cards.

The EMV Migration Forum and Payments Security Task Force's educational website,, was launched in April 2015 in support of an industrywide commitment to provide consumers with easy-to-use, simple resources and consistent messages about chip cards and their use. In addition to teaching what chip cards are, why they're secure and how to identify a chip card and a chip-enabled terminal, the site was recently enhanced to include information on using chip cards at ATMs. also has dedicated merchant and issuer pages customized to educate them on aspects of chip technology specific to their business interests. These pages include simple explanations of chip technology; what chip technology means to merchants and issuers, as well as to their customers; chip card security features; and next steps to enable chip card acceptance in stores or at the ATM.

Merchants and issuers can download additional resources at including training materials, frequently asked questions, infographics and communications best practices. Merchants and issuers are encouraged to use the website content in developing communications for customers, cardholders and employees.

Randy Vanderhoof, EMV Migration Forum


Thanks for letting our readers know about this useful resource, as well as all that you and your colleagues do at Smart Card Alliance to further understanding of EMV implementation.


What do you know?

Do you know of additional resources that would be useful to readers helping merchants become EMV compliant? What other topics would you like to see us cover? Please email us your thoughts at

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