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Table of Contents

Lead Story

CNP fraud: Evolving strategies for an evolving market

Patti Murphy


Industry Update

Farewell to Kenneth T. Elderts, respected leader and friend

Chip and PIN debate roils retail, payments sectors

EMV advances beyond compliance

Office Depot sues Delaware for audit overreach


GS Advisory Board:
The state of mobile today - Part 3

Banks ripe for disruption

Jeff Thorness


What's in your payment mix?

Dale S. Laszig
DSL Direct LLC

Wake up and certify more EMV terminals

Steven Feldshuh

Bankers' issues are our issues

Brandes Elitch
CrossCheck Inc.


Street SmartsSM:
Bid farewell to traditional job security

John Tucker
1st Capital Loans LLC

The good, the bad, and the payday loan

Brett Husak
National Bank Services

Going beyond data breach reporting in the United States

Fran Sachs and Lorie Schrameck
CSR Professional Services Inc.

Company Profile

TransPay Processing

New Products

Real-time ID scans to limit fraud, boost conversions

Jumio Corp.

Free, cloud-based tablet POS

Zero POS


Embrace pauses during presentations


Letter from the editors

Readers Speak

Resource Guide


A Bigger Thing

The Green Sheet Online Edition

August 22, 2016  •  Issue 16:08:02

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Letter from the editors

Based on reports from other regions that implemented EMV (Europay, Mastercard and Visa) before the United States began to do so in earnest, the payments industry is expecting an increase in card-not-present (CNP) fraud here. The good news is that other regions are sharing methods they developed for thwarting CNP fraud, so we can build on their experiences. Also, fraudsters aren't the only smart ones. Methods for counteracting attacks on the CNP front continue to evolve. This issue's lead article examines the changing CNP landscape and progress being made to secure our payments.

Also on the EMV front, the EMV Migration Forum changed its name to the U.S. Payments Forum to reflect an expanded focus that, in addition to EMV implementation, addresses further technology implementations, including mobile payments, CNP security solutions and tokenization. Read all about it in News, where you'll also find articles on the ongoing chip versus PIN debate and Office Depot's lawsuit filed against Delaware officials over handling of unused prepaid card balances. And, sadly, in the news, we've also covered the passing of payments industry leader and Western States Acquirers Association co-founder Ken Elderts. He was a friend to many and will be sorely missed.

There's more on EMV herein, too. Delays in certifying EMV software and equipment have been troubling, and one contributing writer shares an insider's view on this problem. Other topics covered by industry experts include steps the federal government is taking to protect consumers from abuses in the payday loan sector that could result in decimation of the industry; the rationale for merchant level salespeople being independent contractors instead of employees; the need to go beyond data breach reporting in the United States; and issues banks are facing and why they matter to us.

We've also included the third portion of perspectives members of our advisory board shared on the state of mobile payments, along with features on how small merchants can do business on a global scale, and banks' emphasis on mobile services to retain market share. This is in addition to the company and individual profiles, new product stories and news of industry and company milestones you rely on issue to issue.

What's on your mind as the summer season is winding down? What challenges will you be facing this fall? Let us know at, and keep those terrific press releases coming at

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

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