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Table of Contents

Lead Story

Compliance: a costly, multi-headed monster

Patti Murphy


Industry Update

Cross promotions roll on VisaNet rails

Lucky7Coin bad luck for Cryptsy

New checks target mobile deposit fraud

Downstream networks detect Wendy's breach


Millennials and the payments game

Managing digital stakes


Your strongest, weakest LinkedIn

Dale S. Laszig
DSL Direct LLC

The outlook for payments: Five questions

Greg Cohen
iPayment Inc.


Street SmartsSM:
Know your customer acquisition costs

Jeffrey I. Shavitz
TrafficJamming LLC

EMV: Where we stand, where we're heading

John Buchanan

Understand and honor confidentiality

Adam Atlas
Attorney at Law

Targeting retail SMEs can kill your ISO's value

Adam Hark

Company Profile


New Products

Mobile CRM powers automotive, marine industries

Brandable, wearable, secure payment platform


Sales gardening 101


Readers Speak

Letter from the editors

ISOMetrics: Cybersecurity pressure cooker

Boost Your Biz

Resource Guide


A Bigger Thing

The Green Sheet Online Edition

February 22, 2016  •  Issue 16:02:02

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Letter from the editors

Adhering to the extensive, ever-changing rules and regulations promulgated by the major card brands has always been a challenge for payment professionals. Staying in compliance requires vigilance, and numerous articles in this publication, many of them written by industry veterans, have detailed what kind of behavior is and is not acceptable to the card companies upon which we continue to rely for our livelihood.While there has always been a certain amount of government oversight, the increased scrutiny the payments sphere is now experiencing has added more layers to an already complex business. This issue's lead article takes a look at recent developments on the regulatory front and makes the case that while costs of compliance with government mandates may be dear, the costs of not complying can be even greater.

Industry experts who contributed to this issue discuss how these and other factors are affecting the current state of payments; how the Electronic Transactions Association is expanding and adapting to serve a changing payments community; the importance of knowing exactly what your customer acquisition costs are; why buyers assign low valuations to portfolios consisting primarily of a variety of small to midsize retailers; the industry's progress on the Europay, Mastercard and Visa (EMV) front; and why it is imperative to read and understand the confidentiality provisions in ISO and agent agreements.

In news stories, we cover recent developments in the interactive Visa Commerce Network; the multimillion dollar theft of bitcoin and LiteCoin from members of the Cryptsy cryptocurrency exchange; a collaboration that resulted in a new check that practically eliminates mobile deposit fraud; and The Wendy's Co. breach, which hit the chain's Midwest and Northeast locations. In addition to new product stories and company profiles, this issue includes updates on payment company honors, expansions, new funding, reorganizations, acquisitions, partnerships and appointments; industry lawsuits, security alerts and position statements; and research on card-not-present fraud, blockchain technology, identity fraud and the secondary gift market. Other features offer advice on using LinkedIn and other social media, explore the impact of millennials on payments, and highlight key report findings on cybersecurity pressures.

Our mission is to support the education and professional development of our industry's feet on the street. Please let us know how we've helped you and how we can do an even better job at And keep sending your press releases to

Notice to readers: These are archived articles. Contact names or information may be out of date. We regret any inconvenience.

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