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Insights and Expertise
the ISO name need to appear to engage their liability.
Processors and ISOs may argue that the merchant had Spotlighting companies that promote
exclusive liability for all disclosures provided to con-
sumers and all opt-in and opt-out flows. At first blush, innovation in the payments industry
Association Shows: this is correct. However, a mastermind for a bank rob-
Northeast Acquirers Association bery that creates the perfect playbook for a heist and
gives that playbook to a criminal gang is potentially li-
NEAA 2026 able for having colluded with the gang to carry out the
heist.
Highlights: The first U.S. regional acquirers association, the
Northeast Acquirers Association was founded in 1985 to serve and In the old days, processors and ISOs had a firm defense
educate all distribution channels in the electronic payments indus- against claims related to merchant wrongdoing. Mer-
try in the Northeast. NEAA’s annual meeting consistently brings chants caught selling illegal goods and services did
together the smartest minds in payments and is known as the place
where ideas move the industry. not expose putatively innocent processors to liability
for their wrongdoing; ISOs and processors argued that
Speaker sessions are where trends are unpacked, strategies are it was impossible for them to police the products and
sharpened and connections begin. sales practices of merchants.
Presenters slated for 2026 will focus on cutting through the noise
and delivering insight that sticks. Numerous sponsors, exhibitors That immunity began to crack about 10 years ago with
and attendees have attested that NEAA is the one event they never fake handbag cases. Luxury brands decided to pursue
miss. It’s where deals get made, partnerships get started and the not just the sellers of knock-off handbags but also the
right people are always in the room. payment processors for the sellers, and processor liabil-
When: Feb. 4 – 5, 2026 ity was engaged. Processors have since been held liable
Where: Encore Boston Harbor - Boston, Ma for aiding in supporting negative billing scams.
Registration: https://www.northeastacquirers.com/ Merchants' increasing dependence on processor and
ISO billing-management software will only increase

ATMIA the risk to those providers of being blamed for orches- Custom pages on our high-tra c website showcasing
US Conference 2026: trating merchants' bad behavior. your company’s unique message
The Super ATM: Facilitating Market Convergence 4. What's an ISO or processor to do?
Highlights: Regardless of what role you play in the ATM indus-
try, this conference has a lot more for you: In my experience, the vast majority of illegal negative • Your own, customized News from the Wire that highlights
billing scenarios can be filtered out with the common-
Workshops for all conference attendees, offering a deep-dive on sense "mom test:" What would your mom say about the stories about your company
relevant topics. Join our sponsors and exhibitors for the best net- flow? If the answer comes back with any amount of con-
working reception you will attend in 2026. Breakout sessions with fusion, there's a problem.
three different tracks, targeting your specific interests – Financial • Featured content: updated monthly, either by your in-house
Institutions, IADs and ISOs, and broader ATM Industry topics. A
final day of plenary sessions addressing topics of broad interest. On a more serious note, processors and ISO walk a fine writers or by one of ours
line. On the one hand, they should reject merchants
When: Feb. 10 – 12, 2026 with obviously problematic flows, but they also have to • Custom infographics and videos
Where: Loews Arlington Hotel - Arlington, TX be careful to not slip into being legal counsel to mer-
Registration: https://www.atmia.com/conferences/us/ chants by advising the merchant to make one or anoth-

er change to their flow. • Premier content placement in each issue of e Green Sheet
If a processor or ISO is concerned about a given mer- • And so much more...
2026 Events chant flow that passes the mom test but still gives them
pause, one option is to mandate a legal opinion from the
TRANSACT2026 merchant's lawyer that the flow is compliant.
March 18 - 20, 2026, Atlanta, Ga. ISOs and processors should follow business news about
ROSCA cases, as new, informative caselaw is emerging.
Nacha’s Smarter Faster Payments 2026 Rick@greensheet.com
April 26 - 29, 2026, San Diego, Ca.
In publishing The Green Sheet, neither the author nor the publisher
are engaged in rendering legal, accounting, or other professional
services. If legal advice or other expert assistance is required, the
Visit www.greensheet.com/datebook.php for more services of a competent professional should be sought. For further
events and a year-at-a-glance event chart. 707-284-1693
information on this article, please contact Adam Atlas, Attorney at
Law email: atlas@adamatlas.com, Tel. 514-842-0886.

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