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Table of Contents

Lead Story

Postcards from payments 2026

Dale S. Laszig


Industry Update

U.S. merchants inch toward EMV compliance

RDC evolves beyond checks

New York set to enact cybersecurity law

Trade Association News: Acquiring with smarts and heart


Nonprofit payments: opportunities and challenges


Same-day ACH and faster payment

Patti Murphy
ProScribes Inc.

Critical issues in payments today - Part 2

Brandes Elitch
CrossCheck Inc.


Street SmartsSM:
Are you in the payments matrix?

John Tucker
1st Capital Loans LLC

Address payment security during the sales process

Jeff Fortney
Clearent LLC

The narrowing delta between ISO and merchant portfolio valuations

Adam Hark
Preston Todd Advisors and

Not too big to fail: Processor bankruptcy

Adam Atlas
Attorney at Law

Company Profile

First Data Corp.

New Products

Interest-free online, in-store installment plans

Splitit USA Inc.

VIP treatment for large restaurants, retailers

VIP Account program
Harbortouch Payments LLC


Heat up your sales with cold calls


Letter from the editors

Readers Speak

Resource Guide


A Bigger Thing

The Green Sheet Online Edition

October 10, 2016  •  Issue 16:10:01

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Letter from the editors

Sometimes a shift in perspective is all you need to spark creativity. This is what a number of payments industry leaders experienced when asked to imagine they could teleport themselves to the year 2026 and see what the industry would look like from that vantage point. They then reported back to The Green Sheet in the form of postcards sent to the present from their future selves.

The lead article in this issue shares a number of developments these professionals envisioned, for example, the disappearance of traditional merchant services reps, plastic cards and physical money; universal deployment of secure elements and tokenization, making fraud virtually nonexistent; NFC chips implanted in shoppers' necks; widespread use of heart rate pattern, iris structure and voice recognition for identification; tattoos embedded with payment capability; the enduring importance of customer service; a single, digital currency worldwide; and much more.

The present remains exciting, too, as new developments continue to emerge. Some such developments covered in this issue include New York State's proposed cybersecurity law; the extent of EMV deployment one year after the October 2015 liability shift; progress in the United States in the faster payments realm; benefits of remote deposit capture; products that can attract large restaurants and retailers and offer the ability to provide interest-free, online and in-store installment plans; and challenges and opportunities in nonprofit payments.

From our contributing writers, you'll gain insights into overlooked issues of importance in payments; the ins and outs of processor bankruptcy, how not to become victimized by substandard recruiting and training in our industry; the importance of addressing payment security during the sales process; and why portfolio valuations can be higher than the ISOs that built them. As usual, we've included updates on individual and company milestones in the payments space. Some of these include accolades for companies that have proven to excel in their niches; branding updates and company expansions; a new EMV test platform; a major developers' gateway; reports on how to win with digital platforms, the state of business-to-business payments, digital economies, global payments and contactless payments; partnerships and alliances formed; acquisitions; and the latest executive appointments.

What is your latest news? Let us know by sending a press release to And please send your questions and feedback 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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