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Letter from the editor



                 he tremendous speed, functionality and
                 flexibility that ISOs, merchant level sales-
                 people and other merchant services pro-
        T viders in a variety of partnership formats
        can now offer to merchants were merely aspirational
        not  that  long  ago. Today, in  addition  to  improved
        outcomes for acquirers and businesses that accept
        payments, technical innovations have created a great-
        er need for agility. This issue's lead article delves into
                                                                Howdy
        a number of key ways in which agility is integral to    Howdy
        all corners of the payments and fintech ecosystem,
        from  the  payment rails  themselves  to  software  and
                                                                Y’all!
        hardware design, fraud prevention, disaster recovery,   Y’all!
        business continuity and much more.
        Partnerships, as well as competition between tradi-
        tional payments providers and value-added services
        providers and independent software vendors contrib-
        utes to the innovation and agility we are seeing today,
        but along with these partnerships comes the need to
        be aware of the opportunities and challenges they
        present. And one contributor to this issue illuminates
        them from a legal perspective to help those exploring
        new relationships.
        Other contributors explore why businesses can boost
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                                                                            in
        the likelihood they'll attain long-term success by ac-  I’m working hard to help you increase
        cepting mobile payments; why it's important to cre-              y o ur b o t t o m line t o d a y!
                                                                         your bottom line today!
        ate an environment where your sales team feels val-
        ued and trusted, and how you can do that; why the
                                                                                     o B
                                                                                           ull
                                                                                  N
        payments community opposes and retailers love the                         No Bull
        Credit Card Competition Act, which would require
        that  every  merchant get  to  choose  which  network
        processes its credit card payments; and why expres-        Customized advertising campaigns
        sions of gratitude among family, friends, colleagues
        and clients are appropriate throughout the year, not       to fit any size company and budget.
        just on Thanksgiving.                                       • Spotlight Innovators’ Pages
        News highlighted herein includes coverage of re-
        cent meetings separately hosted by Amadis and nexo             (frequently updated content)
        standards to address efforts to  standardize global         • Print (various size options)
        payment acceptance; the FTC's investigation of Visa
        and Mastercard's security tokens for potentially re-        • Resource Guide listing
        stricting debit card routing competition in online             (print/online/front page options)
        payments; the CFPB's lawsuit against Active Network
        LLC, alleging the firm tricked people registering for       • Email Blasts (to GS readership)
        fundraising events into enrolling in its subscription
        discount  club;  record  attendance  at  a  recent  meet-   • Online (website/twice monthly magazine)
        ing of the FIDO Alliance; LexisNexis Risk Solutions'
        probe of the escalating cost of fraud; and the National     • Video
        ATM Council's plans for the future as it enters its sec-    • Bundle advertisng campaign discounts*
        ond decade.
        Also included are company and product profiles, up-
        dates on a number of individual and company mile-           Rick Aston
        stones in our sphere, Resource Guide listings spot-
        lighting potential partners and service providers, and             Senior Media Partnership Specialist
                                                                          707-284-1693
        more. If you have questions or feedback, please email             707-284-1693
        greensheet@greensheet.com; to share your news, please
        send a press release to press@greensheet.com.
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