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        pay the fees or consider an alternative   liability shift to-date, it is an inevitability that this will happen.
        future separate from the brand.
                                              And while it is true that there remain delays in the supply chain for gas stations
        Partnering with a knowledgeable       that are trying to replace their existing terminals so they can become EMV
        payment provider                      compliant, that isn't a reason to not take immediate action. Payments specialists
                                              within the petroleum industry can provide options to gas stations that are
        Gas stations that are de-branding may   looking for temporary or less costly solutions than full replacement of all their
        be thinking about how they accept     at-pump payment terminals.
        payments for the first time, as brands
        often manage the partnerships with    Next steps
        payment providers directly. This,
        coupled with the ongoing dilemma      While  de-branding  is  sure  to  be  a  stressful  time  for  some  gas  stations,  it  is
        of navigating the at-pump EMV         important to know that there are experts to help them navigate through these
        requirements, means that partnering   uncharted waters. But engaging with the right payment partner is a critical
        with the right payments provider      element of running a profitable unbranded gas station.
        is going  to  be key to running a
        successful business once the de-      For gas stations that are in the process of de-branding, or strongly considering
        branding has been completed.          de-branding in the near future, there are plenty of options on how to move
                                              forward and success stories to emulate. Reaching out to industry leaders in the
        Payments  companies  that  specialize   sector is the start of that journey.
        in the petroleum industry can
        provide support and advice to gas     Lori Griboski, Vice President of Sales for Paysafe's Petroleum Card Services, Paysafe, began her
        station owners to navigate through    career with PCS in 2004 and was quickly promoted to an implementations specialist, allowing
        a complex landscape. And there are    her to gain a vast understanding of both the petroleum and merchant services industries. She
        other questions gas stations will need   has spent her career creating an exceptional customer experience for PCS merchants, agents and
        to answer once they have de-branded,   partners. In 2005, PCS was acquired by iPayment, which was in turn acquired by Paysafe in 2018.
        most notably (but not limited to)     To contact her, please email kandice.satterfield@paysafe.com.
        where they will now buy their gas
        in the future. But again, payments
        providers with deep experience in
        the sector can also offer support
        through their extensive partnerships
        throughout the industry.

        There are payment companies that
        are experts in merchant services for
        gas stations that can take a significant
        amount of stress from the shoulders
        of owners. They have ongoing
        partnerships with other services such
        as technicians that should reduce
        much of the worry associated with
        de-branding.

        De-branding and EMV compliance
        Although the reason gas stations may
        be considering de-branding is to avoid
        the heavy fees brands are charging
        for not being EMV compliant, this
        shouldn't be viewed as an alternative
        solution to the issue of at-pump fraud
        liability.

        As I've already mentioned, fraudsters
        are increasingly targeting gas stations
        without   EMV-enabled     payment
        terminals at their pumps. So even
        where gas stations haven't seen a
        recent spike in fraud costs after the

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