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InsideGS

Cover Story Education
The payments journey: From point of sale Street Smarts SM
to points of commerce – Part 3 ....................................................1 Finding the right ISO partner ....................................................32
By Dale S. Laszig By Aaron Nasseh, Finical Inc.
The richly layered payments ecosystem is mostly invisible to con- If you are serious about your career in the merchant services indus-
sumers and merchants. This third article in a three-part series goes try, it is imperative that you protect your future income by vetting
behind the scenes to where payments innovation happens. any potential ISO partner.
News Briefs
Keep customers happy, improve your bottom line ........35
Pressures mount for IT security pros ..............................10 By Mike Ackerman, DigiPay Solutions Inc.
Apple leads in U.S. crawl toward contactless Competitors may copy your business model, products and pricing,
mobile payments .............................................................................10 but they can't copy your unique style of doing business. Thus, it
makes sense to nurture your customer relationships.
New day, new chapter for iPayment ...............................10
Wells Fargo, PayPal partner for mobile payments ........10 One. Thing. At. A. Time. ..................................................................36
By Jeff Fortney, Clearent LLC
Facebook Messenger bots emerge in commerce ..........11
Wisdom passed from father to son when the son faced a challeng-
Experian study finds increased ecommerce fraud ........11 ing high school project doesn't just apply to academics; it has led to
Renewed interest in money order fraud ........................11 success in payments, as well.

Industry Update ...............................................................................12 Help merchants keep travel sales
sky high and fraud grounded ...................................................38
Views By Don Bush, Kount Inc.
Insider's report on payments: As travel merchants prepare for an influx of sales, they need to
ACH volume tops 25 billion, faster be prepared for the potential pitfalls that might follow: fraud and
payments advance .........................................................................18 chargebacks.
By Patti Murpy, ProScribes Inc. New Products
NACHA – the Electronic Payments Association released ACH EMV-certified, semi-integrated
transaction tallies, revealing that for the first time, the ACH network mobile payment solution ............................................................41
moved more than 5 billion payments per quarter last year.
Company Profile Inspiration
Persist, but pay attention ............................................................43
Platinum Choice Bancard LLC :
Top-notch service = phenomenal growth ..........................27 Departments

Letter From the Editors ....................................................................5
Readers Speak ......................................................................................8
Spotlight Innovators ......................................................................21
Resource Guide .................................................................................44
Advertiser Index ...............................................................................54

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