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InsideGS

Cover Story Company Profile

Tapping into payments' training goldmine ...........................1 PayCertify:
By Ann Train Built to boost the ISO, MLS channel .......................................27
Payments industry trade associations and stakeholders continu- Education
ally develop best practices, resources and certification programs to
guide the careers of payment professionals. Street Smarts SM
News Briefs Finding profitability in a competitive market ...................38
By Aaron Nasseh, Finical Inc.
InTouchPOS data stolen, ex-employee suspected...........10 The merchant services industry has become more competitive with
Exponential Finance celebrates each passing year. Our actions contributed to this, but we can take
human, fintech evolution ............................................................10 steps to succeed under current conditions.
EMVCo tracks 6.1 billion EMV cards globally .....................10 Know your role, not every last detail .....................................40
By Jeff Fortney, Clearent LLC
Apple to expand NFC uses, make P2P play .........................10
Sometimes MLSs focus on questions they would ask, not questions
In store at MWAA: Payfacs, innovation, cross-selling ....12 merchants would ask. They are sabotaging sales before they even
New malware involved in second Kmart breach ..............12 start. A few simple steps can prevent this.
Sold to GTCR, SPS retains ties to Sage Group ....................12 Chargeback insurance explained ............................................41

Sharper tools needed in cybercrime's shed .......................12 By Kevin Mendizabal, Frates Insurance and Risk Management
Misinformation abounds when it comes to acquirer-level charge-
Industry Update ...............................................................................14 back insurance policies, which are for ISOs that contractually as-
Views sume chargeback liability. It's' time to clear up misconceptions.
New Product
The very point of sale:
The payments family album .......................................................20 Cloud-based platform optimizes
By Dale S. Laszig, DSL Direct LLC route planning, navigation .........................................................42
Some sons and daughters follow their parents' professional path; Inspiration
others try it and decide against it. But even a brief foray into a family
business can have enduring beneficial repercussions. Right your presentation ship .....................................................43
Finding the right high-risk referral partner........................23 Departments
By Brett Husak, Deft Payment Systems Letter From the Editors ....................................................................5
It seems common now to hear agents claim they can set up any Readers Speak ......................................................................................8
high-risk business type. Some even guarantee 100 percent approv- Spotlight Innovators ......................................................................32
als. Warning: be informed when seeking a high-risk partner.
Resource Guide .................................................................................44
Advertiser Index ...............................................................................54

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