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Education

professionally. I am looking forward to our different and we'll share tools to use for the back office, ways to analyze
similar takes on hot topics. This also means I only have to residual reports and how to understand agent agreements.
write half as much. I look forward to engaging with you
all. Together, we sign off as Dee did more than a decade ago,
safari njem – safe journey, friends. We are looking forward
A note from Emily to the next 12 months.

Over the last 25 years in the payments industry, I have
witnessed firsthand the evolution of electronic payment Dee Karawadra is president and CEO of Impacy PaySystem, and Emily
acceptance. When I first started in chargebacks at Concord Karawadra is the company's chief financial officer. Since 2001, Impact
EFS, I had to sort through the carbon copies of merchant PaySystem has been a leading provider of payment processing technolo-
receipts. Today, receipts are in electronic format. The gies and services to merchants throughout the United States. Through
knuckle buster days are over, and we have pioneered alliances with payments industry leaders such as Chase Paymentech,
into this space we call the payments industry. Everything First Data, Buypass, Sage and more, Impact PaySystem offers tailored
changes on a daily basis in the industry. The only constant solutions to meet the unique needs of each merchant. Dee and Emily will
we can count on is that every April and October the card welcome your questions and comments at dee@impactpays.com and
brands (formerly associations) change up interchange emily@impactpays.com, respectively.
once again. Honestly, one of the things I love most about
the industry is that it is ever changing: new
technology, new compliance rules, new markets
and new opportunities.
SnapShot of Up Coming Events
Dee mentioned our stumbles along the way,
and many we did have, but learning from those
is what makes it worth getting up and taking
initiative again. We have spent this past year
reinventing our business model. We had to get
out there on the street with our front-line agents.
We hit markets that had gone underserviced for
years; we saw merchants who hadn't seen a rep
in years but were still our faithful customers. We
sat in front of prospective merchants with MLSs
selling merchant services. We took the time to
analyze competitors' merchant statements and April 30 - May 2, 2019
helped agents close deals. Mandalay Bay

We started telling our story again over and over. Las Vegas, NV
Soon the adrenalin began to pump for us both, https://www.electran.org/events/etatransact/
and we couldn't get enough. Taking the time to
reengage in the field has brought us tremendous
growth. We learned that we had to be engaged at
every level of our business. We had lost the drive
to tell our story where it counts: in front of our
customers. By reengaging we revived it.

I hope that we can take our experiences of being
in the field on the front line selling merchant
services to those building their own portfolios,
whether as ISOs or MLSs. What we saw in our
agents was a need to be educated and to have
a support system. We hope to write articles that
will do just that.
May 21 - 23, 2019
We will highlight some of the obstacles that ISOs Marriott Marquis
and MLSs encounter while trying to sell and
support products today. We'll share stories from San Francisco, CA
the field – of both success and failure. We'll share https://www.cnpexpo.com/Register/
insights from the front line on prospecting, 2019-Pre-Registration/
building relationships, analyzing statements
and closing deals. For those building their ISOs,
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