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CoverStory

Paull recommended ISOs and MLSs focus on semi-integrated in-store systems changes. As a global service pro-
to deliver high-level security across all channels. "Semi-integrated systems keep vider, Infinicept constantly evalu-
payment card data out of PCI scope, because the technology and POS are not ates its technology stack according
talking to each other in the store," he said. "It's also critical to use validated P2PE to government regulations and Pay-
[point-to-point encryption] and tokenization." He added that the bottom line is ment Card Industry security stan-
control: the fewer controls there are in place, the greater the risk, and the less dards. "We don't just design for au-
clear a migration path there is for growth. dit," Ablowitz said. "We design our
framework for compliance."
Real-time capabilities
Considering how rapidly regulatory requirements can change by country and The requirements of real-time up-
region, payfacs and acquirers, alike, must stay abreast of and respond to these dates and reporting are constantly
changing, hence the need for on-
going adjustments, Paull said. He
added that Cayan does so with rou-
tine feature enhancements. "All the
heavy lifting is done in the cloud,
making more nimble solutions avail-
able to everyone using the platform,"
he said.

Nadav Naaman, Vice President
Product at payment technology
Zooz Inc., said systems that leverage
artificial intelligence and machine
learning react faster than humans
to opportunities and threats at the
transactional level, and smart rout-
ing solutions route transactions in
real time to least-cost payment net-
works. "Merchants need the freedom
and accessibility to choose the right
payment rails," he added. "Smart
routing is another example of how
merchants work with different plat-
forms and data points on an ongoing
basis, adding layers of integration
from a centralized place."

Acquirers and ISOs must also dem-
onstrate to merchants that their re-
lationships are not restrictive, Paull
stated. "Large merchants that have
banking relationships frequently
work with multiple acquirers," he
noted. "We can route their transac-
tions to different processors and net-
works."
Connectivity, interoperability

Henry Helgeson, CEO of Cayan said
most merchants are looking for re-
dundant processing systems that
enable them to deliver a consistent
customer experience, in-store, on-
line and on mobile devices. Cayan,
he noted, has designed its Unified
Commerce Solution Suite to unite
customer touchpoints across all
channels in a secure, cloud-based

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