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Legal pot sales: a multibillion-dollar market in limbo .....1 Street Smarts SM
By Patti Murphy Cash discounts: Are they right for your merchants? ......32
The cannabis products market is huge, but it takes a lot of time By Steven Feldshuh, Merchants' Choice Payment Solutions East
and money to deal with myriad federal, state and local laws and Through cash discount programs, most or all of the expenses as-
regulations that control how cannabis businesses operate. sociated with card processing are transferred to customers. For a

News Briefs large number of businesses, this makes economic sense.
Cordray resigns from CFPB .........................................................10 MATCH list update:
Are your merchants sitting ducks? .........................................36
Real-time payments launch, American style ......................10 By Anthony Ogden, BankCardLaw.com
ThreatMetrix study predicts If merchants are declined or terminated and listed on MATCH erro-
record holiday cyberattacks .......................................................10 neously, an important source of acquiring revenue is lost. Are your
Money20/20 sparks innovation, partnerships ..................10 merchants sitting ducks? Probably more than you realize.
Black Friday lifts all retailers, analysts say ..........................10 Equifax – the continued fallout ................................................38
Holiday spending on track for growth ..................................10 By Srii Srinivasan, Chargeback Gurus
There is no way to overstate how bad the Equifax breach was. Even
Visa game on at Winter Olympics, FIFA World Cup..........10
though it was announced during the same month as mega-breach-
Industry Update ...............................................................................12 es from the SEC and Deloitte, this one stands out.
Views Adapt to changes step by step in 2018 .................................40
By Jeff Fortney, Clearent LLC
Consumers win big: As the end of 2017 approaches, many MLSs are taking a hard look
Anti-arbitration rule overturned by Congress ..................16 at what went wrong this past year and are looking for strategies to
By Heather Petersen, National Merchants Association help them leverage changes in the industry.
The U.S. Senate overturned a previous rule enacted by the CFPB.
The rollback essentially means consumers can once again seek New Product
relief through individual arbitration cases. Modernizing AR with virtual credit card payments ........42
Insider's report on payments: Inspiration
Don't let card fraud spoil holiday cheer ...............................18 Five ways to put your best foot forward...............................43
By Patti Murphy, ProScribes Inc
Healthy holiday shopping could prove a double-edged sword for Departments
retailers, since what many law-abiding citizens see as the "season Letter From the Editors ....................................................................5
of giving" is the "season of taking" for fraudsters. Spotlight Innovators ......................................................................22

Company Profile Resource Guide .................................................................................44
Advertiser Index ...............................................................................54
Chosen Payments:
Tech-driven vertical market specialists ................................20

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