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        Cover Story                                              Bells and whistles aside, essential POS
                                                                 purpose endures ..............................................................................34
          Payments' new tools: digital, diversified, dynamic............1
           By Dale S. Laszig                                       By Jeff Fortney, Clearent LLC
                                                                   Advanced POS functionality can help with sales, but the need for
           Payment technology is changing, and merchants are changing
           with it. Merchants still need MLSs, who themselves need new   basic payment acceptance is greater than ever, especially since
           tools to help merchants compete in the digital world.   many consumers rarely carry cash today.
                                                                 The biggest threats to merchants
        News Briefs                                              have moved online .........................................................................36
          FS-ISAC updates API for financial data sharing ................10  By Barry Davis, Womply

          Proposed REFER Act extends marijuana protections ....10  Many small business owners, view MLSs as trusted advisors. To
                                                                   make this consultative dynamic work, however, agents need to
          Top four faster-payments contenders                      know how a shifting business landscape affects small businesses.
          emerge, Mercator says ..................................................................10
                                                                 Foiling fraud in online gaming .................................................38
          Google Pay replacing Android Pay, Google Wallet .........10
                                                                   By Don Bush, Kount Inc.
          DOJ steps up cybersecurity vigilance ....................................10
                                                                   Online gaming revenue was estimated at $108.9 billion in 2017.
          Travel industry fraud spikes to $1 billion ............................10  With this growth, however, come criminals attempting to leverage
                                                                   the popular space for illegal gain.
          Industry Update ...............................................................................12
        Views                                                  Company Profile
                                                                 Wirecard North America:
          Insider's report on payments:                          Secure, omnichannel POS ecosystem ....................................41
          Prepaid debit going mainstream .............................................18  New Product
           By Patti Murphy, ProScribes Inc.
                                                                 Secure, PCI-compliant solution for call centers  ...............42
           Three out of five adult Americans use general-purpose, reloadable
           prepaid debit cards. Reasons for carrying them vary, but three   Inspiration
           stand out: budgeting, convenience and security.
                                                                 Always love closing .........................................................................43
        Education                                              Departments

          Street Smarts SM                                       Letter From the Editors ....................................................................5
          Merchant services in an app-driven world ..........................32  Readers Speak:
          By Steven Feldshuh, Merchants' Choice Payment Solutions East  Whatever happened to QR code payments? .........................8
           Processing costs are less important than ease of use and function-  Spotlight Innovators ......................................................................22
           ality mobile devices provide to merchants. This is good news for   Resource Guide .................................................................................44
           MLSs, who have newer, better, easier-to-use systems to sell.  Advertiser Index ...............................................................................54





























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