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Table of Contents

Lead Story

The payments journey: From point of sale to points of commerce - Part 2

Dale S. Laszig


Industry Update

Wells Fargo probe exposes high merchant fees

NAC challenges FICO on ATM fraud

Harbortouch teams with Bar Rescue host on smart POS

Supreme Court likens surcharging to free speech


IoT changes retail dynamics


ISOs take note: The value of operational expertise is skyrocketing

Adam T. Hark
Preston Todd Advisors

The sobering state of cybercrime today

Brandes Elitch
CrossCheck Inc.


Street SmartsSM:
Should you register as an ISO?

Aaron Nasseh
Finical Inc.

The CFPB's active past, uncertain future

Brett Husak
National Bank Services

Semi-integrated solutions accelerate your EMV transition

Naga Jagadeesh

Navigating regulatory, financial MSB hurdles

Theodore F. Monroe
Attorney at Law

Company Profile

Super G Capital LLC

New Products

Enterprise-level CRM for payments industry

POS Portal Inc.

Secure, all-in-one developer's toolkit for mobile apps

DIGIPASS for Apps solution
VASCO Data Security International Inc.


Simple questions set the stage for results


Letter From the Editors

Readers Speak

Resource Guide


A Bigger Thing

The Green Sheet Online Edition

April 24, 2017  •  Issue 17:04:02

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Letter From the Editors

With spring in full swing, advances in payments continue at a dizzying pace, and business is booming in payments, as well as in interconnected sectors. Everyone involved ‒ from the feet on the street and customer service reps who interact with merchants, to hardware and software developers who upgrade old and devise new products, to visionaries who set the course of our industry's major brands for years to come ‒ must work efficiently, always poised to face the next challenge.

In the midst of this, it is easy to overlook how breathtaking the solutions that have transformed our industry truly are. Many of the people we meet at tradeshows, exchange emails with and greet on social networks have applied their gifts over the years in ways that have given the industry tremendous benefits. The lead article in this issue, which is the second in a three-part series, examines transactions as they have evolved from simple tasks to complex, interactive communications. It is a microcosm that offers insights applicable to the whole.

Industry experts who contribute articles to The Green Sheet have shared valuable gifts over the years, too. In this issue, alone, they discuss ISO registration and why and when it makes sense to take the plunge; the sobering threats to data security worldwide; the CFPB's track record so far and uncertain future; the skyrocketing value of operational expertise in the ISO realm; strategies for dealing with the wall of governmental regulation innovators face when endeavoring to make payments safer, faster and easier; and a rationale for implementing semi-integrated EMV solutions.

Also included are news stories on questions raised about fees charged by Wells Fargo Merchant Services; a request by NAC that FICO substantiate claims of escalating card fraud at nonbank ATMs; Harbortouch's collaboration with Jon Taffer to develop a "smart" POS system; and a Supreme Court ruling that validated the assertion that regulating retail prices is tantamount to regulating speech.

You'll also find briefs on innovations in the retail sector; company and individual payment professional milestones, including awards, settlements, research, partnerships, acquisitions and appointments; company and product profiles; upcoming industry events; and more.

What topics do you want to learn more about? Do you have a pet peeve or new insight to share? Let us know at We are here to serve you. And please continue to send 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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North American Bancard | USAePay | Board Studios