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Table of Contents

Lead Story

Loyalty, the currency of choice

Ann Train


Industry Update

Disputes rekindled by Financial CHOICE Act

Barcode technology gets digital makeover

Home Depot joins chip-and-PIN protest

Aussie crackdown on card surcharges


FICO pedestal cracking

Acquirer Earnings Roundup: May 2016

Mobile coupon tidal wave

Restaurant patronage on the rise


CFPB targets payday lenders: What's next?

Patti Murphy
ProScribes Inc.

Brexit doesn't mean UK will exit fintech race

David Poole

Will vaping go up in smoke?

Brett Husak
National Bank Services


Street SmartsSM:
Shifting MLS strategies and models

John Tucker
1st Capital Loans LLC

Taking stock at mid-year 2016

Jeff Fortney
Clearent LLC

Five ways to combat attrition effectively

Aaron Nasseh
Finical Inc.

Guide to a successful portfolio acquisition strategy

Adam Hark

Company Profile

Traffic Jamming

New Products

Simple, secure cross-border payments

UP eCommerce Payment Solution
ACI Worldwide Inc.

360-degree solution for chargebacks issues

Chargeback Gurus


Finding opportunity


Letter from the editors

Readers Speak

Resource Guide


A Bigger Thing

The Green Sheet Online Edition

July 11, 2016  •  Issue 16:07:01

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Letter from the editors

We've become accustomed to disruption in payments. Some welcome it, thrive on it. Others scramble to adapt. Some continue as they always have, and depending on how solid their approaches and relationships are, they continue to build their portfolios or might watch their residuals decline. One sector that has morphed considerably in recent years is the loyalty realm. This issue's lead article takes a look at today's proliferating loyalty programs and the new ways they can empower merchants and consumers. When it comes to these advances, will you embrace, adapt or ignore?

Our industry isn't the only area experiencing disruption. Indeed, at times it seems much of the world is in turmoil. Brexit is a development many fear will cause disruption across the globe. Is that true? In our views section, one expert on payments in the U.K. and Europe weighs in. Also in the Views section, you'll learn of FDA actions that could bring an end to the electronic cigarette market, as well as of the CFPB's current and potential targets.

Some things are in flux, but many remain the same. One constant is that every year we reach a midway point. How to assess progress halfway through the year is the topic one industry expert addresses in our Education section.

Other contributing writers explore what is driving portfolio acquisition today, how to maximize residual growth by managing attrition, and how to help merchant level salespeople devise new strategies to succeed in payments today.

News stories report on controversy surrounding the proposed Financial CHOICE Act, an updated barcode technology standard devised to make barcodes more ubiquitous and secure; Home Depot's suing Visa over the retailers desire to require chip and PIN, not chip and signature at the POS, which came one month after Wal-Mart filed suit over the same issue; and the Reserve Bank of Australia's move to crack down on merchants the RBA had determined are surcharging transactions to excess.

Industry Update highlights a range of happenings from a card brand offering merchants temporary relief from EMV liability to an FTC settlement with a mobile ad firm, from Walmart Pay's debut in its Georgia stores to an ATM Council skimming survey that offers good news, and much more.

Is your corner of the industry being disrupted? If so, how? Drop us a line at And keep those press releases coming 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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Spotlight Innovators:

USAePay | Impact Paysystems | Electronic Merchant Systems | Inovio | Board Studios, Inc.