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InsideGS

Cover Story What your merchant services
portfolio is really worth – Part 2 ...............................................30
Raising the standard of merchant sales – Part 1 .................1 By George Csahiouni, Tripoli Advisors
Payments leaders discuss merchant contracts, cancellation fees and Learn how merchant portfolios are valued today, what drives higher
sales practices, offering ideas to strengthen transparency, account- multiples and practical steps to strengthen valuation before a future
ability and professionalism in the merchant services industry. sale or financing.
News The pricebook: Independent retail's

News Briefs: quietest profit driver......................................................................34
By Elie Y. Katz, National Retail Solutions (NRS)
Consortium-backed Open USD Independent retailers depend on accurate pricebooks to protect
raises stakes in stablecoin race ....................................................8
margins, improve operations and strengthen payment performance,
Banks explore debit network deal that making data quality a competitive advantage for merchants.
could reshape interchange landscape .....................................8
Hidden costs of slow payment testing ..........................................35
Block settles with states over Cash App allegations .........8 By Anthony Walton, Iliad Solutions
UK expands oversight of BNPL Outdated payment testing can increase costs, delay product
raising bar for providers .................................................................8 launches and expose financial institutions to greater operational
and compliance risk as payments become more complex.
x402 Foundation becomes operational
under Linux Foundation .................................................................8 When AI pricing becomes a payments
Fed gauges consumer readiness operations challenge .........................................................................37
for pay-by-bank at POS ....................................................................8 By David Moscatelli, Go Abacus
As AI becomes embedded in everyday payments workflows, acquir-
Industry Update ..................................................................................9
ing banks and processors must balance operational gains against
Insights and Expertise pricing models that can drive unpredictable costs.
Street Smarts Redirected:
SM
Winning the back-to-school season: Is that a product or capability? Part 2 ...........................................39
A playbook for ISOs ........................................................................14 By Dale S. Laszig
By Jaki Kackert, Kackert Marketing Technology is evolving from a collection of products into a lan-
guage of capabilities, reshaping how the payments industry defines
Back-to-school season gives ISOs an opportunity to help schools
modernize payments, streamline operations and create better expe- innovation and value.
riences for families and staff. Company Profile
Heads up! The lending industry Valutec
may be heading into a crisis .......................................................16 Optimize and personalize gift and loyalty programs ...40
By Chat Otar, Lending Valley
New Products
Results from a recent Carleton Inc. survey warn that lenders' slow
migration from legacy systems could create compliance risks and Verify every identity with AI-powered remote review ..41
higher costs for borrowers and lenders alike. Increase hotel revenue with
Why agentic commerce is creating integrated payment tools ............................................................42
a new category of dispute ...........................................................18
By Monica Eaton, Chargebacks911 Inspiration
With AI now able to make purchasing decisions, agentic commerce Celebrate Christmas in July by
is reshaping payment disputes, requiring merchants to rethink fraud giving before the holidays .........................................................43
prevention, evidence collection and liability. Departments
Legal ease Letter From the Editor ......................................................................5
AI, payments and law: A tri-state bonanza .........................28 DateBook ......................................................................................27, 38
By Adam Atlas , Attorney at Law
Spotlight Innovators ......................................................................21
Explore four legal issues payment professionals should consider as Resource Guide .................................................................................44
AI reshapes data privacy, fraud, merchant disclosures and attorney- Advertiser Index ...............................................................................48
client privilege.

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