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Letter from the editors



                  fter years of discussions and planning, it
                  looks like the faster payments landscape
                  is starting to emerge, and the necessary
        A components to make real-time payments a
        reality are coming together at last. How and why this is
        happening is the topic of this issue's lead article. While
        much of the banking industry has been focused on two
        faster payments initiatives, RTP and Zelle, these are
        not the only schemes at play. Even the card brands are
        eyeing a piece of the pie.                              Howdy

        Being able to offer faster payment options to merchants
        will be a feather in the cap of the industry's feet on the   Y’all!
        street. Another promising offering detailed herein by
        an industry expert is business intelligence software,
        which can increase merchant stickiness by enabling
        merchants to easily extract and use information that
        goes beyond basic transaction data. Merchants can learn
        exactly how they stack up against their competitors;
        what their revenue trends look like; when their best
        sales periods are, which areas need more support and
        more.

        Business intelligence software is a value-added service,
        and other contributing writers shared further insights   I’m working hard to help you increase
        on that and other topics, including why it's important to
        provide a variety of products and services to merchants;         your bottom line today!
        how another value-added service, fully automated
        merchant financing, can help ISOs and smaller
        processors complete with the Goliaths of financial                        No Bull
        services; what to look for (and avoid) when choosing
        an ISO partner, one of the most critical career decisions
        a payment professional makes; as well as the benefits      Customized advertising campaigns
        of attending industry tradeshows that go beyond the        to fit any size company and budget.
        presentations, exhibits and meetings.
                                                                    • Spotlight Innovators’ Pages
        Excerpts from news stories posted under Breaking
        Industry News at  www.greensheet.com include former             (frequently updated content)
        Heartland CEO Robert O. Carr's approximate $250,000         • Print (various size options)
        settlement with the SEC for alleged insider trading; the
        recent Broker Fair's emphasis on innovation and aligned     • Resource Guide listing
        interests; details revealed about the phishing behind a
        2018 Amazon hack; the ETA's emphasis on education;              (print/online/front page (option))
        and First Data and its Clover platform division's launch    • Email Blasts (to GS readership)
        of CloverAchievers, a program designed to reward
        qualifying small and midsize merchants.                     • Online (website/twice month newsletter)
        Also inside are company and profile profiles, along         • Video
        with briefs on milestones, including new partnerships,      • Bundle advertisng campaign discounts*
        awards, acquisitions, research and appointments. We
        love hearing from you, our readers, and enjoy helping
        to strengthen your connections and further your                          Danielle Thorpe
        professional development. If you have news to share,
        please send a press release to press@greensheet.com. And                       AVP Media Partnerships
        send us your suggestions, questions and other helpful
        feedback to greensheet@greensheet.com.                            707-284-1686



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