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The interesting thing is that most of the deals are smoke and mirrors anyway. With the influx of online shopping,
We see the same (if not very close) discounts online, and that is where savvy I would not be surprised if we see a
shoppers that have done their research go. As consumers, we do not rely as higher rate of fraud. EMV (as badly as
heavily on the person at the store being an expert on a certain product set it was rolled out) has helped at large
anymore. I remember growing up and my Dad taking me to Best Buy (or a retailers, but it does little to mitigate
similar electronics location) if he had questions about an electronics purchase fraud from online purchases. This
before he made it. Today, we can do all of our research online and come to a is not a holiday shopping thing for
decision from the comfort of our homes or offices. Online purchasing will go us – it is an everyday thing. We
up again this year and will continue to rise year over year. continually try to find ways to better
equip our merchants with the newest
technology or fraud mitigation tool.
If you are waiting until the holiday
season to help your merchants for
the busy time, it is too late.

We, at Fuzse, now deal mostly with
card-not-present transactions, but
when we did a good deal of work
with retailers, our biggest concerns
were outages or a lapse in processing.
The worst thing for any merchant at
any time of year is the inability to
accept cards.
Allen P. Kopelman
Nationwide Payment
Systems Inc.
1. Shopping online is getting more
and more popular every day – es-
pecially from Amazon. People who
need last-minute gifts will go to the
stores. And stores that sell specialty
items are still showing strong sales.
In fact, I think we will see a trend
where retailers try to sell items not
being sold online – and making
agreements with manufacturers in
order to get specific items that are
only sold "In Store."

I have seen this a few times: "Web
Special" you can only order online
to get the price, or "In Store Special
only".

2. Fraud at smaller merchants’ web-
sites. They see big sales and their
eyes light up. Even though they
think a sale might be fraud, some
merchants push it thru and roll the
dice to make money.

3. Merchants with locations need to
start adapting to using social media
and using apps - or they will become
irrelevant in a few years. We try to
make sure merchants understand
the need to: watch for telltale signs
they are going to get ripped off either
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