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Table of Contents

Lead Story

Mobile gaining ground in stores

Ann Train


Industry Update

CVS Pay joins mobile payment roster

Walgreens rewards Android, Apple users

Oracle fails to predict, prevent POS breach

NFC a bargaining chip for Apple, Australian banks


PayPal and Square: Q2 2016 earnings

Payments maintains strong presence on Inc. 5000

Mobile debit shift


Virtual cards deserve a place among healthcare payment choices

Jeffrey W. Brown

No cash? No checks? Nonsense.

Patti Murphy
ProScribes Inc.


Street SmartsSM:
To own or not to own the POS system sales process

John Tucker
1st Capital Loans LLC

Selecting the right ISO partner

Aaron Nasseh
Finical Inc.

Become an agent of change in payments

Jeff Fortney
Clearent LLC

Payfac: Fad or new norm?

Adam Atlas
Attorney at Law

Is it time to hunt for greener pastures?

Steven Feldshuh
Merchants' Choice Payment Solutions East

Company Profile

Forte Payment System

New Products

Comprehensive POS, business management

Groovv POS
Total Merchant Services Inc.

Compact mag stripe, smart card, contactless reader

UniPay III
International Technologies and Systems Corp.


Qualify prospects, save time


Letter from the editors

Readers Speak

Resource Guide


A Bigger Thing

The Green Sheet Online Edition

September 12, 2016  •  Issue 16:09:01

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Letter from the editors

Brilliant people have been involved in mobile payments innovation, creating enticing options for both consumers and merchants. Various technologies are in play: NFC, MST, HCE, EMV, QR codes, and more. And a number of payment enterprises, retailers and telcos have tried their hand at mobile wallet development ‒ some enjoying success, others not so much.

Right now, however, mobile technology implementation is a bit of a muddle for merchants. Consumers aren't yet demanding mobile payments in great numbers. It's also not clear which technologies will last long-term and provide the best experience for consumers. This issue's lead article looks at the state of mobile in-store and explores why mobile technology is poised to wean great numbers of merchants and consumers off of traditional card and cash payments, and turn them into mobile payment enthusiasts.

Don't expect cash to go anywhere soon, however, and do expect virtual cards to gain traction in the healthcare realm, as explained by expert writers featured in our Views section. For more insights from contributing writers, see the Education section. There you'll find two distinct, yet complementary, articles on what to look for in an ISO partner; details on what payfacs are and why they've grown in popularity; perspectives on how much ownership of the POS systems sales process MLSs rebranding as technology experts should take; and why it makes sense to not just accept change, but to embrace and facilitate it.

Are you curious about how Square and PayPal are faring? If so, you'll find herein reports on each company's second quarter 2016 earnings. Other features highlight some of the companies recognized by the Inc. 500/5000 this year; delve into why more people now expect mobile wallets will eventually replace other forms of payment; and describe some hot new products available to ISOs and MLSs.

In the news, we've covered the debut of CVS Pay, the newest entrant in the retailer mobile wallet realm; the integration of Walgreens Balance Rewards into Apple Pay and Android Pay; the disturbing intrusion into Oracle's Micros POS systems; and the effort by leading banks in Australia to collectively bargain with Apple over Apple Pay.

By the time you read this, Labor Day will have come and gone. What will you focus on this autumn? How will your merchants fare this holiday season? Email us at, and we continue to welcome press releases 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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Spotlight Innovators:

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