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        Cover Story                                            Education
          Understanding the fine print ........................................................1  2019: A year of opportunity
           By  Patti Murphy                                      for U.S. petroleum retailers ........................................................36
           Most MLSs are not attorneys, which can cause problems, as their   By O.B. Rawls, Paysafe Group
           fortunes are tied to contracts they sign with upstream partners.   Things are looking up for U.S. gas stations, but independent gas sta-
           And those contracts are anything but simple to understand.  tions will need help to take advantages of opportunities in 2019 and
        News                                                     beyond. ISOs are ideally positioned to step in.
                                                                 Non-sports-related gambling reversal .................................38
          News Briefs:                                             By Josh Herndon, Global Legal
          TSYS, T-Mobile launch all-in-one SMB solution ................10  Beginning in 2011, businesses involved in ongoing non-sports-
          Government calls for AI research, deployments ..............10  related interstate gambling had good reason to believe their busi-
                                                                   nesses were operating within the law. This is no longer the case.
          Fed finds debit growth slows as fraud losses rise ............10
                                                                 In sales, words can kill ...................................................................40
          Bigger, broader Broker Fair returns to NYC ........................10  By Jeff Fortney, TouchSuite LLC
          Ingenico expands access to Russian marketplace ...........10  Words can kill a sale, kill an existing merchant partnership and kill
                                                                   long-term revenue. But if properly managed, they can lead to suc-
          Industry Update ...............................................................................12
                                                                   cess instead of failure.
        Views
                                                               New Products
          The very point of sale:                                Cashless payments solution for
          The MLS hero's journey ................................................................18  cannabis merchants, consumers ..............................................42
           By  Dale S. Laszig, DSL Direct LLC
                                                                 Digital payments, business
           Three phases – departure, initiation and return – are present in   management suite for SMBs ......................................................43
           every hero's journey. Some payment pros are on such journeys,
           defending their visions while breaking new ground.  Inspiration
        Company Profile                                          Micro actions, macro results ......................................................44
                                                               Departments
          Sound Payments:
          Delivering convenience and flexibility .................................27  Letter From the Editors ....................................................................5
        Education                                                Readers Speak:
                                                                 We choose credit .................................................................................8
          Street Smarts SM                                       Listen and learn from Merchant Sales Podcast .................12
          Operations and sales depend on each other .....................32  Spotlight Innovators ......................................................................21
           By Dee and Emily Karawadra, Impact PaySystem          Resource Guide .................................................................................45
           Discord between operations and sales teams can harm an orga-  Advertiser Index ...............................................................................54
           nization. But these interdependent arms of an ISO can work to-
           gether for greater efficiency, happier merchants and more profits.























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