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Letter from the editors

                                                                Empowering  & Connecting
                     hen it comes to higher education, much
                     of the discussion in mainstream media
                     centers on the high cost of obtaining a                                 today’s
        W college degree and the  outsize,  burden-
        some debt many graduating students carry going for-                               payments
        ward, often for decades. In this issue, we do not jump
        into that discussion. We do, however, put the spotlight
        on a different sort of higher education, one designed to                       professionals
        enhance your earning power without putting you into
        debt: professional education, specifically certification
        programs offered by organizations within the pay-
        ments industry.

        In our lead article, you'll get an insider's view of
        several certification programs, including the Payment
        Card Industry Professional, Certified Lease & Finance
        Professional, and Electronic Transactions Association
        Young Payments Professional. You'll hear from
        individuals  who  have  gone  through  those  programs
        and shared both what they learned and what benefits
        they continue to derive from them.

        When education is combined with industry experience,
        the benefits multiply. Industry experts contributing to
        this issue speak from their experience on such topics as
        what it really takes to succeed as an entrepreneur; the      • Spotlight Innovator
        importance of conversing with merchants in their own
        business language; merchants' need for reliable, cost-         Web Pages: Capture prospects with
        effective technologies that deliver multiple benefits;         branded, customized web pages for
        declining check usage and increasing ACH and card
        payments; concerning payment topics that need more             innovators and leaders.
        attention; a dozen payment predictions for 2020.
                                                                     • Video Content Marketing: Educate
        Recent news stories published include Visa's acquisition       and impress with animation and
        of Plaid, a Blackhawk study on digital wallet growth,
        Travelex's progress in recovering from a cyberattack,          white-board explainer videos.
        how the major card brands are likely to benefit from         • Resource Guide: Grab attention with
        the latest U.S.-China trade agreement, direct to
        consumer models threatening traditional retailers,             advanced mini ads in print and
        and the latest phishing techniques proving to be               online.
        effective for scammers. Product and company profiles
        are, of course, also included, along with notes on new       • Targeted Email Campaigns: Reach
        Merchant Sales podcast episodes concerning the card-
        not-present  realm  in  2020,  Mastercard rules on free         responsive professionals who know
        trials, how to get past gatekeepers on the phone, the          and trust The Green Sheet.
        overturning of Oklahoma's no-surcharging law, and
        more. Also inside you'll find updates on individual and
        company  achievements, industry research, strategic                       Danielle Thorpe
        partnerships, acquisitions of note, and executive
        appointments.                                                                   AVP Media Partnerships

        There are always more developments in payments than     https://www.linkedin.com/in/daniellethorpe/
        we can address in one issue. Do you want to share and
        opinion on a hot industry topic? Just email a note of
        300  words  or  fewer  to  greensheet@greensheet.com,  and          707-284-1686
        we might feature you in Readers Speak. Don't want
        to go public? That's OK, email us your questions and
        comments, and we'll keep them confidential.
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