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Letter from the editor





                     hen payments work seamlessly, most peo-
                     ple hardly notice. But when networks
                     go down, even briefly, the ripple effects
        W are  immediate  and  far-reaching.  Outages
        erode consumer trust, spark social media firestorms, and
        raise tough questions about the reliability of the systems
        we depend on. In this issue’s lead article, we examine
        what happens when payment rails fail, how providers                        Let us help you
        respond, and why resiliency and redundancy are critical
        to keeping money moving in our digital age.                             reach your target

        Our contributors expand the lens across risk, compliance
        and growth. One expert scrutinizes online pharmacies—                     audience today!
        convenient for consumers but a growing vector for
        counterfeit goods, fraud, and cross-border regulatory
        exposure—and outlines the defenses FIs should deploy
        now. Another unpacks the AI-fueled economy of fake
        reviews and the real costs for payments providers that
        ignore it, from FTC actions to card-network penalties and     Some of the options available to
        reputational harm. For SMEs wrestling with outdated
        systems, cost barriers and knowledge gaps, another          customize to target your audience
        industry veteran offers guidance on modernizing
        payments to improve efficiency, loyalty and revenue.
        We also share a savvy pro's back-to-school playbook
        for SMB retailers: stock essentials, mine POS data,
        build bundles, optimize traffic flow, and connect with
        local communities to turn seasonal demand into repeat
        business. With the ADA now 35 years on, one contributor
        reframes accessibility as more than compliance: it's about
        dignity, usability and relationship building. And amid
        regulatory uncertainty, another authority's Banking-as-
        a-Service analysis explains why BaaS endures and how
        partnerships are evolving.
                                                                 Targeted Email Campaigns   Custom Video
        In news briefs,  we track  milestones and flashpoints.   Sent to Green Sheet’s exclusive-  Mini commercials that focus
        Shift4 will help Blue Origin accept crypto for commercial   mailing list of readers working   your services directly to our
                                                                    Small advertising budget? No problem.
        spaceflight, a symbolic step for payments beyond Earth.   in our industry.          industry audience.
                                                                  Consider the versatility of our resource guide listings.
        New York’s attorney general has revived a high-profile
        case on Zelle fraud after federal regulators stepped back,   “Your success  Have you called for  Let us help you   In Print
                                                                                             Online
                                                                    is our success!”
                                                                    - Danielle Thorpe
        signaling renewed scrutiny of consumer protections          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.
        in faster payments. Jack Henry’s Tap2Local aims to           The Green Sheet     •  Ability to purchase on a
                                                                                               (to a mini ad):
        bring tap-to-pay and automated bookkeeping to small         www.greensheet.com    quarterly basis.
                                                                     707-284-1684
        businesses via community institutions. The 2025 Inc.        customized adverting   Customized advertising   •  4 equal quarterly
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                                                                                            Spotlight Innovators
                                                                     more about our
                                                                     Call Danielle directly
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                                                                              SPOTLIGHT
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                                                                    The Green Sheet
                                                                      707-284-1686
                                                                             company and budget.
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        5000  features  multiple  payments  standouts  for  rapid   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
        growth and innovation. And KnowBe4 warns of a               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
        “perfect storm” in cyber risk, where AI-driven phishing     Y Y Your success is  D D D D a aniellle Thoor epe r pe  tn nersh ne n ne rs sh rship 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
                                                                                            industry.
                                                                                  707-284-1686
                                                                        o
                                                                             Call me for the details today!
                                                                                  danielle@greensheet.com
                                                                       Asst. VVP Meedia Partn rships
        makes the human layer essential.
                                                                 Resource Guides
        Remember to check out our updates, spotlights, product   Mini ads that can be seen with
        profiles and other recurring features. As always, our    online/front page options
        goal at The Green Sheet is to provide clarity and context so   available.
        payments professionals can anticipate challenges, build
        resiliency and strengthen the trust our industry depends
        on. Please send your press releases to press@greensheet.com   MORE OPTIONS AVAILABLE EMAIL US TODAY!
        to share your latest milestones, and send your questions
        and comments to greensheet@greensheet.com                             RICK@ GREENSHEET.COM
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