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

In an ambitious endeavor to bolster consumer confidence in mobile transactions worldwide, payments industry pioneer AP Technology recently unveiled The Mobile Payments Bill of Rights at the 2015 Mobile Payments Conference held in Chicago. As of press time, the next scheduled stop for this document was a mid-September presentation by AP Technology before members of Congress to discuss industry perspectives on how to manage mobile payments responsibly.

"We're advocating a hands-off policy," said Greg Wilfahrt, Chief Mobility and Marketing Officer at AP Technology, who authored the document in collaboration with payment partners. "We believe that folks in the mobile payments ecosystem can create their own best practices." He noted that the timing of the document was motivated by the fact that the mobile payments sphere is still nascent, and the best time to carve out best practices is when innovation is in its early stages.

Simple, flexible, living document

According to AP Technology, the document itself is not meant as a directive from one company but rather is intended to be a simple, flexible, living document owned by all that encourages transparency, multiple layers of security and accountability.

"We are hopeful that companies worldwide will add to and adopt the Bill of Rights and that the articles within will evolve, as consumer preferences mandate," said Richard Love, Chief Executive Officer at AP Technology. "Now is the time for businesses and service providers to commit to a level of 'best practices' for the benefit of consumers."

The document, divided into six sections, is absent of legalese for brevity. "What we wanted to do was address several vital items in the bill with regard to everything from payment fees and how consumer data is handled, to transaction security and more, with the ultimate goal being to empower consumers by implementing best practices not just in the United States, but around the world with regard to how people can purchase from their mobile devices anywhere, anytime," Wilfahrt said.

He also acknowledged that up to this point, most of the industry focus has been on payment technology and how to deliver mobile payments cohesively. "Sometimes we get too ingrained in the minutiae of payments from the technology to the flow, but it's the consumer at the end of the day that's going to weigh in and tell us how transactions ought to happen," he said.

Following, reprinted with permission, is the original document. To download a free copy, visit

The Mobile Payments Bill of Rights


In order to create and maintain a safe, secure, and progressive environment for transactions occurring on mobile devices and to instill business and consumer confidence in payment processes that promote the anywhere-anytime growth and global exchange of goods and services, this Mobile Payments Bill of Rights was created.   The intent of this document is to protect and to serve the interests of mobile consumers, while providing enterprises and mobile payment providers with "best practice" guidelines. By incorporating the Mobile Payments Bill of Rights into their business practices, enterprises will promote safe, convenient, and frictionless transactional experiences that encourage the purchase of products and services available via mobile devices. 

1 Secure Transactions

2 Clear Description and Pricing

3 Privacy, Marketing Best Practices

4 Prompt Possession and Satisfaction

5 Customer Service and Technical Support

6 Customer Confidence - Mobile consumers have the right to say, "No."

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