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Letter from the editor

s the payments industry races ahead with
new rails, platforms and possibilities, one
question remains: what do merchants really
A want? In this final installment of our mul-
tipart series, we return to that question with fresh
perspectives and familiar themes. Across Parts 1 and 2,
merchants’ frustrations with rising costs, chargebacks,
fragmented systems and uneven support were clear.

What emerges even more sharply here is the cumulative
weight of those pressures and the gap between innovation
for its own sake and solutions that truly make merchants’
lives easier. The voices in this final chapter reinforce
a consistent message: reliability matters as much as
speed, simplicity often matters more than novelty, and
technology succeeds only when it works seamlessly
in the background. Taken together, this series offers a
candid look at where the industry is falling short and
where it has an opportunity to listen, adapt and lead.

Contributing writers spotlight ways to do just that.
They discuss why retail and hospitality merchants face
chargebacks for varied reasons and why banks rule
Season‛s Greetings!
against them, and how smarter rebuttals and AI can
help; how today’s payments providers can turn the back Season‛s Greetings!
office into an engine for transparency, control, trust and
growth; how poor onboarding and limited data can
freeze funds for startups, making proactive transparency I ’ m w o rk in g ha r d t o he l p y o u incr e as e
I’m working hard to help you increase
and payment strategy essential for survival; and how
cards and MIDs, increasingly decoupled from users and y o ur b o t t o m line t o d a y!
your bottom line today!
merchants, are enabling innovation while creating risks
payment professionals must understand.
Customized advertising campaigns
This issue also highlights recent news coverage: a

proposed Visa-Mastercard merchant settlement drawing to t any size company and budget
opposition from merchant groups and lawmakers, who
argue that the concessions are temporary and credit • Spotlight Innovators’ pages
card routing reform is necessary; J.D. Power research (frequently updated content)
finding complacency among many bank and card
customers about fraud protection, exposing a widening • Print options (various size options)
gap between institutions' cybersecurity investments • Online options (website/twice month email)
and customer engagement; National Retail Federation
research projecting a record Thanksgiving-to-Cyber • Resource Guide listing
Monday shopping period; Netevia and Stackably (print/online/front page (option))
partnering to deliver vertically integrated payments
and software platforms for niche markets, reflecting a • Email Blasts (to GS readership)
shift toward unified ecosystems; and a Jack Henry study
showing consumer financial confidence remains shaky, • Video (website)
with limited financial literacy, fragmented app usage,
and digital experience shaping trust and satisfaction. • Bundle advertisng campaign discounts

Also not to be missed are items on recent milestones, Rick Aston
research, partnerships, acquisitions and appointments in
the payments community; company spotlights; product Senior Media Partnership Specialist
profiles; and more. To share your news, please email a
707-284-1693
press release to press@greensheet.com. Questions? Send an 707-284-1693
email to greensheet@greensheet.com.

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