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Letter from the editor





              f the headlines have you convinced it’s all bad
              news out there, think again. While challenges
              remain in payments and fintech, there are reasons
        I for optimism. From growing small business sales
        and falling inflation expectations to the rapid rise of
        instant payments  and  regulatory clarity  on  merchant
        fees, real momentum is building across the industry.
        Even in Washington and the courts, recent developments                     Let us help you
        are offering relief rather  than disruption. Innovation,
        investment and infrastructure gains continue to reshape                 reach your target
        the landscape. That’s something worth spotlighting.

        Our  contributing  writers  continue to provide  insights                 audience today!
        worth spotlighting, too. In this issue you'll find a range of
        spot-on articles from industry leaders. Topics include why
        startup business plans must prioritize banking strategy,
        risk and compliance to gain acceptance from payment
        providers and avoid costly missteps; the evolving
        e-skimming attacks targeting merchant checkout scripts        Some of the options available to
        and the new PCI DSS v4.0.1 rules that aim to help;
        how understanding the psychology driving payment            customize to target your audience
        choices helps merchants improve conversion by aligning
        checkout experiences with consumer expectations, trust
        signals, local habits and more; why payment providers
        are modernizing siloed back-office systems, integrating
        reconciliation, settlement and dispute workflows into
        unified ecosystems; the need for ISOs to own their tech
        stacks to protect merchant accounts, preserve residuals
        and stay competitive in our rapidly evolving industry;
        and why it makes sense to bank on agents, who have
        evolved into savvy consultants driving growth by
        bringing expertise and powerful business software to
        merchants.
                                                                 Targeted Email Campaigns   Custom Video
        The news we’ve highlighted covers global efforts to      Sent to Green Sheet’s exclusive-  Mini commercials that focus
        combat AI-driven fraud in Web3, with Bitget’s Anti-      mailing list of readers working   your services directly to our
                                                                    Small advertising budget? No problem.
        Scam Month educating users  through interactive  tools   in our industry.           industry audience.
                                                                  Consider the versatility of our resource guide listings.
        and fostering cross-sector collaboration, while Visa, UK
        banks, India’s RBI and insurers launch similar fraud-      “Your success  Have you called for  Let us help you   In Print
                                                                                             Online
                                                                    is our success!”
                                                                    - Danielle Thorpe
        fighting initiatives; Mastercard and Fiserv’s penny-a-      The Green Sheet, Inc.  your personalized  piece together your perfect   Front Page Option
                                                                    VP Media Partnerships
                                                                       virtual tour yet?
                                                                            advertising campaign to
                                                                             grow you buisness.
        month Clover POS offer  giving 1,000 small businesses        The Green Sheet     •  Ability to purchase on a
                                                                                               (to a mini ad):
        access to modern payment hardware, symbolizing a            www.greensheet.com    quarterly basis.
                                                                     707-284-1684
        commitment to empowering entrepreneurs; U.S. plans          The Green Sheet  Customized advertising   •  4 equal quarterly
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                                                                                            Spotlight Innovators
                                                                     more about our
                                                                     Call Danielle directly
                                                                              SPOTLIGHT
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                                                                    customized adverting
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                                                                             company and budget.
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        to eliminate federal checks by late 2025, despite ongoing   C C C C C C C C C C C C Call me today!   y! y! y! y! y! y! y! !  Danielle Thorpe, Asst. VP Media Partnerships PARTNERSHIPS  payments as an option.
                                                                     or drop her a note
                                                                     company today!
                                                                    danielle@greensheet.com
                                                                          “Your success is our success!”
                                                                     707.284.1686
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                                                                                            Individualized web pages
                                                                                Company
        scrutiny of Zelle's fraud vulnerabilities; AppOmni’s latest   Let me help    personalized company web space  •  discounts for longer
                                                                                Logo
                                                                    you with your
                                                                                          term listings!
                                                                    advertising
                                                                                You now can have your own
                                                                                            focusing on innovators in our
                                                                    success.
                                                                               www.greensheet.com/yourcompanyname
        SaaS security report indicating many organizations are      Y Y Your success is  D D D D aniellle Thoor epe r pe  tn ne n nersh ne sh rship rs  p p s  Articles from or about your company  Assistant Vice President of Advertising Sales  800-757-4441
                                                                             Personalized News from the Wire
                                                                    our success!
                                                                            Your executive online ads & videos
                                                                                  707-284-1686
                                                                                            industry.
                                                                       a
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                                                                             Call me for the details today!
                                                                                  danielle@greensheet.com
                                                                       Asst. VVP Meedia Partn rships
        overconfident despite rising breaches and calling for
        more proactive defense strategies; and in Australia, RBA's   Resource Guides
        proposal to ban card surcharges and lower interchange    Mini ads that can be seen with
        fees to simplify payments and support business savings.  online/front page options
                                                                 available.
        In addition, you'll find our customary profiles and updates
        on industry research, partnerships, appointments and
        other milestones. If you like what you're reading or    MORE OPTIONS AVAILABLE EMAIL US TODAY!
        have suggestions for us, email greensheet@greensheet.com.
        And please continue to send your latest news to press@                RICK@ GREENSHEET.COM
        greensheet.com.
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