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Letter from the editor





                  rtificial intelligence has moved from buzz-
                  word to business reality in payments. In
                  the second, and final, installment of our
        A latest Green Sheet  Advisory Board Q&A,
        members share candid perspectives on what's working,
        where AI falls short and how its rapid evolution could
        upend long-standing ISO models. Their insights reveal
        opportunities  AI brings for smarter fraud prevention,                     Let us help you
        underwriting and merchant support, as well as the risks
        it poses for those slow to adapt.                                       reach your target

        Contributors to this issue also weighed in on AI's uses in
        payments: one expert detailed how AI-powered product                      audience today!
        recommendations help independent retailers optimize
        inventory, boost sales and improve cash flow by turning
        POS data into actionable insights; another executive
        explained how AI is reshaping MCAs, transforming
        underwriting, pricing, forecasting and repayment into
        ongoing, data-driven partnerships that strengthen             Some of the options available to
        cash flow and transparency. Other topics explored by
        our contributors include how Shopify, Stripe, Adyen         customize to target your audience
        and  Checkout  are reshaping  payments  and  why  ISOs
        and MLSs must adopt smart routing, single IDs and
        better risk management to stay competitive; merchants'
        expectations for seamless digital wallets and embedded
        finance, making smarter infrastructure imperative; why
        the UK's digital banking boom offers insights for U.S.
        banks, highlighting customer-centric design, fintech
        integration and modernization; why banks and payment
        providers, not investors, determine whether startups
        can operate; and how VARs are transforming acquiring
        by bundling payments with core platforms, creating
        multiple legal challenges for ISOs.
                                                                 Targeted Email Campaigns   Custom Video
        Our news briefs highlighted the debut of Toast's Go 3,   Sent to Green Sheet’s exclusive-  Mini commercials that focus
        a  handheld  POS  with  cellular  connectivity  and  smart   mailing list of readers working   your services directly to our
                                                                    Small advertising budget? No problem.
        hospitality features, as competitors intensify their     in our industry.           industry audience.
                                                                  Consider the versatility of our resource guide listings.
        strategies; a lawsuit against Fiserv alleging the company
        inflated Clover POS growth by forcibly migrating Payeezy   “Your success  Have you called for  Let us help you   In Print
                                                                                             Online
                                                                    is our success!”
                                                                    - Danielle Thorpe
        merchants and misleading investors about organic            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.
        expansion; PayPal's launch of Pay with Crypto, enabling      The Green Sheet     •  Ability to purchase on a
                                                                                               (to a mini ad):
        merchants to accept more than 100 cryptocurrencies with     www.greensheet.com    quarterly basis.
                                                                     707-284-1684
        instant conversion, 0.99 percent fees and global wallet     The Green Sheet  Customized advertising   •  4 equal quarterly
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                                                                                            Spotlight Innovators
                                                                     more about our
                                                                     Call Danielle directly
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        interoperability; the U.S. Payments Forum's release of      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
                                                                                 Your
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                                                                                            Individualized web pages
                                                                                Company
        resources on mobile and contactless payment security,       Let me help    personalized company web space  •  discounts for longer
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                                                                    you with your
                                                                                          term listings!
                                                                    advertising
                                                                                You now can have your own
                                                                                            focusing on innovators in our
                                                                    success.
                                                                               www.greensheet.com/yourcompanyname
        offering best practices on tokenization, biometrics, fraud   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.
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                                                                             Call me for the details today!
                                                                                  danielle@greensheet.com
                                                                       Asst. VVP Meedia Partn rships
        prevention and more; and a federal judge's ruling that
        the Fed misapplied the Durbin Amendment in setting       Resource Guides
        debit card interchange caps, a decision that could reset   Mini ads that can be seen with
        Regulation II and faces likely appeal.                   online/front page options
                                                                 available.
        In addition, please  enjoy the  company  and  product
        profiles herein, as well as updates on recent
        appointments, partnerships,  acquisitions  and  other   MORE OPTIONS AVAILABLE EMAIL US TODAY!
        industry milestones. We will welcome your feedback at
        greensheet@greensheet.com and look forward to receiving               RICK@ GREENSHEET.COM
        news of your latest milestones at press@greensheet.com.
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