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        Cover Story                                            Company Profile

          Out with plastic, in with devices:                     Chetu Inc.:
          A new era in payments dawns ......................................................1  Leveraging the digital age ..........................................................27
           By Patti Murphy
                                                               Education
           The expression "paying with plastic" may not be an anachronism
           yet. But the phrase describing a routine practice for multitudes of   Street Smarts SM
           today's consumers may be lost on future generations.  What makes an MLS valuable? ..................................................36
                                                                 By Steven Feldshuh, Merchants' Choice Payment Solutions East
        News Briefs
                                                                   Does it make sense to give the same amount of time and support
          Shoppers, criminals converge on Super Saturday ..........10  to an individual who provides 12 deals a year as is given to a sales
          Class action against MCPS alleges                        office that provides 150 deals a year?
          misrepresented fees, contracts.................................................10  Time to change force-post rules ...............................................38
          SWIFT begins 2018 with tough security measures .........10  By Ken Musante, Eureka Payments LLC
          UK outpaces US in mobile wallet usage ...............................10  Today, the floor limit for nearly all merchants is zero; every transac-
                                                                   tion is electronically authorized. So it is appropriate that Visa is
          Electronic Payments recognized                           changing its force-post transaction rules.
          for entrepreneurship .....................................................................10
          MoneyGram, Ant Financial to cooperate, not merge .....12  Legal ease:
                                                                 Moving merchants:
          Forever 21 investigation finds                         Great support or biting the hand that feeds? ....................40
          malware, unencrypted data ............................................12  By Adam Atlas, Attorney at Law
          Court lifts surcharge ban for handful of merchants .......12  Sooner or later, every MLS will eye a merchant already being
          DOJ guidelines threaten legal cannabis trade ..................12  serviced by the MLS's processor. Some companies welcome this;
                                                                   others consider it to be a contractual breach.
          Industry Update ...............................................................................14
        Views                                                  New Product
                                                                 Seamless integrations, actionable insights ........................42
          The very point of sale:
          Rehearse, review your emergency plan  ..............................20  Inspiration
           By Dale S. Laszig, DSL Direct LLC
                                                                 Why lie? ................................................................................................43
           2017 was a tough year for small business owners, many of whom
           suffered devastating losses during extreme weather events. No   Departments
           one is immune; it's best to have an updated emergency plan.  Letter From the Editors ....................................................................5
                                                                 Readers Speak:
          2018 crystal ball: Let's have a toast ........................................22
           By Brandes Elitch, CrossCheck Inc.                    Where can I get training? ................................................................8
                                                                 Spotlight Innovators ......................................................................31
           As 2018 begins, what ongoing developments in the payments   Resource Guide .................................................................................44
           system will professionals be reading and talking about? Amazon
           Go and in-car payments are among the contenders.      Advertiser Index ...............................................................................54
























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