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        Miles cited Bluefin's partnerships with Transaction     customer behavior, said Matthew Katz, CEO at Verifi, a
        Network  Services,  Ingenico  Group,  Verifone  and  NCR   risk mitigation company.
        Corp. "We appreciate the connectivity, telecom services
        and global reach that TNS provides to our partners," he   Verifi works with reseller partners that provide
        said. "And partnering with large, prolific organizations   chargeback and fraud management services, Katz said.
        like Ingenico, Verifone and NCR enables Bluefin to bring   These companies offer predictive intelligence and services
        point-to-point encryption to a wide range of merchants.   designed to help merchants accept more good transactions
        This primary security technology helps them fight the   and boost transaction volumes.
        biggest threats while making compliance easy."
                                                                "In the competitive payments space, chargeback and fraud
        Find committed, compatible partners                     prevention are a natural complement to any chargeback

        MLSs, who may have previously closed a sale and moved   mitigation company looking to help their clients provide
        on, are finding their jobs begin when a merchant account   a  safer experience," he  stated.  "Our  partners  bring  two
        goes live. Some industry veterans can recall when the   things to the table when promoting Verifi solutions –
        prevailing wisdom  was having multiple  "hooks" in a    our  experience  and  name  recognition  in  the  space  and
        merchant to increase customer stickiness. Agents used "tie   technologies that are successfully used every day on a
        downs" when closing a sale. This jargon seems outdated   global scale."
        now. In the new paradigm, merchants recognize they have
        a choice in processors and look for partners with industry   Todd Linden, CEO, payment processing, North America at
        knowledge and service excellence, according to Marc     Paysafe, emphasized the need to maintain a business-first
        Gardner, founder, president and CEO of North American   perspective. New technology is cool, but necessity is what
        Bancard Holdings LLC.                                   brings these solutions to life, he said, adding that there
                                                                is a high inventory of ideas and choices in the payments
        Gardner likened being a good partner to baking a cake.   industry; leaders must choose wisely and focus on the
        "We need to add ingredients at the right time to create   business case for products and services.
        a beautiful, finished product that everyone is interested
        in trying," he said. "There is a multilevel approach that   "At Paysafe, we study new technology and whether or not
        includes us working with the community, strategic       to buy or partner and what we see as becoming a more
        organizations and our own people to create value for our   commoditized product or service," Linden said. "We think
        merchants."                                             years ahead about where things are going and where Visa,
                                                                Mastercard, Discover and American Express will want to
        Gardner recommends vetting prospective partners         push things. We work hard to understand all the pieces
        thoroughly. Use the wrong ingredients and the cake will   and touchpoints."
        be lacking in flavor; scrutinize potential relationships to   Be relatable
        ensure there is a proper fit, he noted.
                                                                Payments industry leaders and MLSs alike need concise
        Partners need to have an equal stake in a relationship,   definitions for the solutions they sell. Having access to
        added Chris Baird, president at OptConnect, a managed   an array of technologies and expertise is only good if
        wireless solutions provider. "A partnership is much more   you can effectively harness that power to address specific
        than just a business arrangement across two organizations   requirements, executives stated. Focus on customers'
        to support the advancement of products, services or     needs, pain points and problems technology can solve,
        technologies aimed at resolving customer's needs," he said.   they advised.
        "True partnership is exemplified when we care more about
        what we build together that what we want as individuals."  "As a global technology company, it's difficult to be
                                                                everything to everyone, so by working with our partners,
        Lisa Shipley, general manager, fintech solutions at TNS,   we're able to provide merchants with more industry and
        said companies that value each other equally make the   use case specific solutions that leverage our technology,
        best partners. "You have to feel you're getting as much as   especially  for  small  and  medium  size  businesses,"  said
        you're giving," she added. "Each partner must value the   Jennifer Miles, executive vice president of North America
        relationship equally while providing the right pricing and   at Ingenico Group. "Additionally, since every business is
        services."                                              unique, even when in the same vertical, it's important for
                                                                us to work with our partners to ensure that they're able to
        Look ahead, anticipate trends                           cater to these needs, which in turn allows us to provide a

        Industry leaders emphasized the need to anticipate      variety of solutions for different use cases."
        industry  trends. Most agreed  that staying  ahead  of  the
        curve is just as critical for MLSs as it is for companies   Miles said Ingenico works with a variety of partners,
        that design products and services. Merchants need timely   including acquirers, gateways, independent software
        solutions that help them improve efficiencies, stay ahead   vendors (ISVs), ISOs and MLSs, among others, and is
        of ever-changing threats and gain actionable insights into   not restricted to a single partnership formula. By closely
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