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Table of Contents

Lead Story

Holidays test merchant, processor relationships

Dale S. Laszig


Industry Update

Post fraud liability shift, are your merchants EMV-ready?

Audit clears FDIC of wrongdoing in Operation Choke Point

Girl Scouts folds in Visa, Dell to Digital Cookie 2.0

Payments innovation the topic of EPIC meeting


Durbin strikes again

Infographic: EMV: How ready are U.S. merchants?

The Mobile Buzz: Much ado about Apple


Insider's report on payments: Let's have some respect for checks

Patti Murphy
ProScribes Inc.


Street SmartsSM:
After the deadline, MLSs share thoughts on EMV – Part 1

Jeffrey I. Shavitz
TrafficJamming LLC

Sell business solutions first, processing second

Jeff Fortney
Clearent LLC

Beware of pitfalls associated with EMV migration

James Huber
Global Legal Law Firm

P2PE: Better than ever and vital to data security

Ruston Miles
Bluefin Payment Systems LLC

Company Profile



New Products

Increase mobile sales, optimize checkouts


Digital cash solution replaces cards at ATMs

Popmoney CardFree Cash
Payment Alliance International


Prequel and sequel

Kate Gillespie


Letter From the Editors

Readers Speak

Resource Guide


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The Green Sheet Online Edition

October 12, 2015  •  Issue 15:10:01

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Letter From the Editors

The payments industry has devoted significant time and resources to Europay, MasterCard and Visa (EMV) implementation lately, given the Oct. 1, 2015, compliance deadline. As most of us know, that's the day liability shifted to merchants who are not EMV-compliant if fraud stems from any of their transactions. Payment processors, who were given an earlier EMV-compliance date, also hold liability for fraudulent transactions that occur on their watch if their systems are not EMV-compliant. Petroleum retailers have until 2017 to get on board. EMV preparedness is addressed in our news, features and education sections, and it is a major concern explored in this issue's lead article about the issues merchants are grappling with as we head into the 2015 holiday season. Many merchants are as yet unable to accept EMV chip cards; some are only vaguely aware of EMV and how it can improve payment security. And merchants who are EMV-compliant are concerned that the unfamiliarity among cashiers and consumers might significantly slow down the checkout process and drive more business online. EMV isn't the only issue of concern to merchants this fall. Their thoughts on preventing data breaches, accepting mobile payments and implementing omnichannel commerce are among the other areas covered in the lead.

You'll also find news stories about the FDIC being cleared of wrong-doing in relation to Operation Choke Point, the Girl Scouts partnering with Visa Inc. and Dell Inc. to improve the Digital Cookie interactive platform, and an EPIC meeting devoted to payments innovation. In addition, we've included updates on payment companies' milestones, honors, research, partnerships, acquisitions, appointments, along with company profiles and new product spotlights. We always appreciate your sending us your news, so keep those press releases coming to

In addition to discussing potential EMV migration pitfalls and providing perspectives on selling merchants on the benefits of EMV, our contributing writers have also delved into why it makes sense to sell business solutions first, not processing; and the significance of the updated point-to-point encryption standard. Rounding out the issue are features on unexpected consequences of the Durbin Amendment (EMV is involved) and decreased Apple Pay adoption as it faces competition from Android Pay and Samsung Pay – what might that portend?

What's most important to your business this fall? Do you have insights about industry developments and trends? We always welcome your feedback and suggestions. Please email or call 800-757-4441.

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 | Harbortouch | USAePay | Humboldt Merchant Services | Impact Paysystems