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Table of Contents

Lead Story

Retail disruptors redefine commerce

Ann Train


Industry Update

News Briefs


Cashless and cashier-less: a revolution in the making?

Patti Murphy
ProScribes Inc.

The Green Sheet, CCSalesPro start new podcast series


Street SmartsSM:
Let's stir things up a bit

Steve Norell
US Merchant Services Inc.

Nourish sales and exfoliate fraud: Combatting beauty fraud

Don Bush
Kount Inc.

What does cryptocurrency mean for ISOs?

Jordan Olivas
RS Software Inc.

Your merchants are flying blind

Barry Davis

Company Profile

HPS Worldwide

New Products

Cloud-based EMV solution improves transaction speed, security

Cloud EMV
Clearent LLC

Prevent chargebacks with curated intelligence, automated alerts

Prevention Alerts
Chargeback Gurus Inc.


Silence is power


Letter from the editors

Readers Speak

Resource Guide


A Bigger Thing

The Green Sheet Online Edition

July 09, 2018  •  Issue 18:07:01

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Letter from the editors

We all know that today's payment professionals, as well as other financial services and merchant services providers, are driven to enhance and transform the retail experience for merchants and consumers. Who is galvanizing change from within the retail sector? That is the question we posed when research began on this issue's lead article, "Retail disruptors redefine commerce."

We found there is, indeed, a new breed of retail disruptors living where growth and scale intersect. These innovators place a premium on quality, speed and responsiveness, along with the capacity to reinvent customer experiences. They are neither very large nor small upstart companies, but predominantly in the mid-tier retail segment. The reasons for this, in addition to further insights, are divulged within these pages.

We are welcoming a disruptor of another sort in this edition, too. Our new Street SmartsSM author, Steve Norell, Director of Sales at US Merchant Services Inc., plans to stir things up this year, and we hope you'll help him. So please check out his inaugural column on page 38, and get involved.

Other esteemed contributing writers offer much of value, as well. You'll find discussions of fraud-prevention challenges in the mobile channel; how merchants can make use of transaction data to gain insight into their businesses; the advantages traditional types of payments have over cyrptocurrencies; and efforts to move toward not only cashless payments, but also toward cashier-less payments.

In this issue, we also introduce to you the Merchant Sales Podcast, which launches July, 2018. A joint venture with CCSalesPro, the podcast features interviews with industry veterans and subject-matter experts, insider reports on industry trends, and questions from the field. Our own Patti Murphy and CCSalesPro CEO James Shepherd are at the helm of this exciting new way for you to interact and stay informed. Episodes are available at, and iTunes.

News briefs cover data breach reporting, the launch of a pan-European digital bank, collaboration on chargeback reduction, two significant SCOTUS rulings, vulnerabilities in encrypted web traffic, and PayPal's acquisition of Simility. A range of other industry milestones are also mentioned in Industry Update, and naturally, no issue would be complete without new product and company profiles.

Thank you for relying on us as your trusted industry resource. We look forward to receiving your latest news at and to receiving your helpful feedback and questions 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:

North American Bancard | Simpay | USAePay | Impact Paysystems | Board Studios