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Table of Contents

Lead Story

New payment products: Go big or fail fast

Dale S. Laszig


Industry Update

NAC case against Visa, Mastercard going forward

Contactless, cardless cash gains U.K. adoption

It's always Cyber Monday for security pros

NFC tag certification program targets IoT


Sales compensation among U.S. merchant acquirers

Mobile payment awareness inches forward


The travails of chip and debit cards

Patti Murphy
ProScribes Inc.

What is Money20/20 Part Two

Brandes Elitch
CrossCheck Inc.

What a 'quarter century' industry veteran has learned about the high-risk merchant niche

Steve Duniec
Payment Advisors LLC


Street SmartsSM:
More rebranding options for MLSs

John Tucker
1st Capital Loans LLC

Is your merchant agreement out of date?

Eugene Rome
Rome & Associates

Manners matter in email

Jeff Fortney
Clearent LLC

Company Profile

CSR Professional Services Inc

New Products

Residual-based loans, financing solutions for ISOs

Residual-based loans
Super G Funding LLC

Secure, in-person proximity payments

Mobeewave Inc.


It's ABP now, not ABC


Letter from the editors

Readers Speak

Resource Guide


A Bigger Thing

The Green Sheet Online Edition

December 12, 2016  •  Issue 16:12:01

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Letter from the editors

Developing, testing and launching a new product, and then gaining a sustainable share of the market, is a challenge innovators face in every industry. Creativity in this regard is on the rise in payments, with new technologies and new forms of collaboration taking hold. And there's no time like now for those who have a keen eye for what the market needs, tolerance for risk, tenacity and the ability to corral resources to remove pain points for specific parties to the payment process.

The lead article in this issue explores what it takes to exploit the product development opportunities that abound in our sphere. If you're interested in game-changing technology and partnerships in payments, it appears Money20/20 is one show that could open new doors for you. This is one of the topics discussed by our esteemed contributing writers. Also detailed by industry experts in this issue are what has changed in the high-risk merchant sector over the last 25 years, and what remains the same; perplexing debit card routing choices presented to consumers at the POS and clarification of Visa's network routing provisions; why it makes sense for merchant level salespeople to rebrand as payroll processing or marketing sales professionals; the consequences of overlooking the importance of email etiquette; and significant signs that your merchant agreement is out of date.

In the news, we've reported on the U.S. Supreme Court's denial of the defendants' appeal for dismissal in the National ATM Council's case against Visa and Mastercard regarding debit card network pricing; a new NFC Forum tag certification program defining common operability and compliance parameters for NFC tag applications; inroads made for contactless, cardless cash in the United Kingdom; and security pros' emphasis that risk management and cyber security should be year-round endeavors, not just holiday-season efforts. Also herein you will find company and new product profiles; features on U.S. merchant acquirer compensation; new developments in the mobile arena; and news briefs on a host of achievements in our space, including Visa's acquisition of CardinalCommerce, the opening of registration for the Electronic Payments' 2017 POS Roadshow, nonprofit organization GlobalPlatform's new specifications pertaining to secure chip technology; and much more.

We're here to provide educational and professional resources for the payments industry's feet on the street. How do you think we're doing? What suggestions do you have? Tell us at And we always welcome relevant news 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 | USAePay | Impact Paysystems | Electronic Merchant Systems | Board Studios