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InsideGS





        Cover Story                                            Company Profile

          Progress on the long road to faster payments .....................1  Prospay Inc.:
           By Patti Murphy                                       A working partner committed to your success .................31
          Under the guidance of NACHA, the ACH system embarked on a tran-  Education
          sition to same-day settlement. Going forward, P2P payments could
          be the initiative's driving force.                     Street Smarts SM
        News                                                     Rebranding as an equipment leasing professional ........40
                                                                   By John Tucker, 1st Capital Loans LLC
          NEAA blends tradition, innovation .................................10  Leasing equipment other than POS devices is an option MLSs can
          Established in 1985, the NEAA was the first nonprofit regional   use in their efforts to rebrand themselves and provide additional
          acquirers association to form. Its meeting this year mixed exhibits,   value merchants will be willing to pay for.
          seminars, panel sessions and networking.
                                                                 Legal ease:
          PCI SSC revises ecommerce guidance ...................................11  Secrets: A contemporary legal take ........................................42
          A new supplemental guide, written by the PCI SSC Securing E-  By Adam Atlas, Attorney at Law
          commerce Special Interest Group expands and revises content   Business, being almost entirely electronic, means that more or less
          previously published in 2013.                          everything we do is documented. This is a double-edged sword.
          CFPB regulates prepaid, Congress eyes CFPB ...................12  Looking ahead: Fintech in 2017 ......................................44
          The CFPB flexed its regulatory might, leveling multimillion dollar   By Don Bush, Kount Inc.
          fines on Mastercard and UniRush for snafus that left cardholders   Several weeks into the new year, what events shook the landscape
          without access to their funds for days in late 2015.   so hard in 2016 that their reverberations are likely to impact fintech
                                                                 the rest of 2017 and beyond?
          Arby's under the microscope after breach .........................14
          Arby's Restaurant Group Inc. disclosed Feb. 9, 2017, that a data   New Products
          breach may have affected more than 355,000 of its customers'   Gain, retain customers with real-time analytics ...............48
          credit and debit cards.                                Compliant, automated cash discounts at the POS ..........50

          Industry Update ...............................................................................16  Inspiration
        Feature                                                  Direct mail — dinosaur or diamond? .....................................51
                                                               Departments
          Meet the Expert:
          Jeff Shavitz .........................................................................................46  Letter From the Editors ....................................................................5
                                                                 Readers Speak ......................................................................................8
            An interview with Green Sheet Advisory Board member Jeff
            Shavitz.                                             Boost Your Biz ....................................................................................23
                                                                 Spotlight Innovators ......................................................................24
         Views                                                   Resource Guide .................................................................................52
                                                                 Advertiser Index ...............................................................................62
          The very point of sale:
          The adjacent POS-sible ................................................................22
            By Dale S. Laszig, DSL Direct LLC
          It has been theorized that leapfrogging over basic steps may cause
          inventions to miss the mark. Many merchant level salespeople
          know all about leapfrogging.



















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