Page 3 - GS181201

InsideGS

Cover Story Education
PCI Council: making payment Street Smarts SM
security accessible, relevant .........................................................1 The next to last word on surcharging – maybe .................40
By Dale S. Laszig
By Steve Norell, US Merchant Services Inc.
The PCI Security Standards Council was founded by five fierce If you offer a cash discount program to your merchants, your re-
competitors in 2006 to help build a safer payments industry. To- siduals might be healthy, but you could be in violation of the card
day, it is a global enterprise working relentlessly toward that goal. brand rules, not to mention the Durbin Amendment.
News When innovation comes to Main Street merchants ........42
By Peter Spee, AEVI
News Briefs:
In retail segments, the key to survival is innovation. Merchant pay-
Electronic payments growth ment solution providers must play a crucial role in helping small
continues at healthy clip ..............................................................10 to midsize merchants claim a place in the winners' category.
Bluefin, Destiny Solutions bring The need to act with urgency and purpose ........................44
P2PE to higher education ............................................................10 By Jeff Fortney, TouchSuite LLC
Study IDs card fraud as top retailer concern ......................10 As 2018 draws to a close, we all need to plan for 2019. And this
Mobile apps vulnerable to breaches, experts warn .......10 starts by examining what those who handled change well did to
succeed this year.
Brace for an uptick in fraud
attempts this holiday season .....................................................12 Preparing for a portfolio sale starts on day one ...............46

Retailers kick off holiday season with a bang ...................12 By Christopher Hernandez, Portfolio Buyer
Mergers and acquisitions activity in payments is unique. The sell-
Industry Update ...............................................................................14 ing price is affected by your processor, contract terms for selling to
Views other ISOs, current merchant pricing and other factors.

Insider's report on payments: New Products
Cash discounting will give way to surcharging .................20 Payments platform for accepting
By Patti Murphy, ProScribes Inc. payments anywhere ......................................................................48
Visa took aim at the way most ISOs and MLSs sell cash discount- Mobile cybersecurity, digital identity
ing today, suggesting the trend runs counter to its rules. Will the protection for businesses, consumers ..................................49
surcharging option be palatable to consumers?
Inspiration
Arizona's 'sandbox' program for fintech innovators ......23 Turn mishaps into learning experiences ..............................51
By Josh Herndon. Global Legal Law Firm
Arizona was the first U.S. state to implement a "sandbox" program. Departments
Illinois has taken steps to establish its own such program. Others Letter From the Editors ....................................................................5
will likely follow, which is a boon for fintech innovation. Readers Speak:
Ready for biometric smartcards? ................................................8
Company Profile
Featured now on Merchant Sales Podcast ...........................14
Network Merchants LLC: Spotlight Innovators ......................................................................26
Payments enablement specialists ...........................................31 2019 Events Calendar ....................................................................50
Resource Guide .................................................................................52
Advertiser Index ...............................................................................62

3