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 press@greensheet.com.
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 greensheet@greensheet.com or call 800-757-4441. 
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