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Letter from the editor



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                 remendous variation exists in the payments
                 sphere—from startup disruptors to leading     New Year’s Goals!
                 processors, vendors and service providers,
        T and all the permutation in between. Some
        find success offering one product or service or a suite
        of products geared for a single market vertical; others
        thrive  by  providing  a  technology  stack  that  can  be
        tailored to individual merchants in an array of indus-
        tries. In the ISO sector, companies can be sole propri-
        etorships or huge Super ISOs; they can be processor
        agnostic or dedicated to one processing partner. The
        variations reflect the innovative nature of our sphere.

        Just like the industry overall, The Green Sheet
        Advisory Board members are multifaceted and
        extraordinarily motivated. Their perspectives convey
        a range of  industry experiences; their individual
        voices vary, too, from loquacious to highly succinct.
        And in this issue, you'll have the opportunity to hear
        from a few on them in the second and final installment
        in our series on the scope of payments at the start of
        2023—a series designed to inspire you in your career.
                                                                I’m working hard to help you increase
        One of our contributors also writes through the lens
        of  a  new  year,  identifying  the  most  common  fraud          your bottom line today!
        trends of 2022 that are continuing this year. Many
        such trends have been around for years, but as
        technology has evolved, so have the means of attack.       Customized advertising campaigns
        Other experts featured in this issue discuss how
        valuable a mentor can be for veterans and newbies           to fit any size company and budget
        alike for support, direction, advice and assistance,
        and why, if you don't have a mentor yet, now is the         • Spotlight Innovators’ pages
        time to find one; relief for merchants who bear the            (frequently updated content)
        brunt of friendly fraud, which is coming via additions
        to the Visa dispute program, including checks and           • Print  options (various size options)
        balances to draw a direct relationship between              • Online options (website/twice month email)
        the merchant  and the  cardholder with  the use  of
        greater data exchange to more accurately identify           • Resource Guide listing
        transactions authorized by the cardholder; and why             (print/online/front page (option))
        today's merchants are increasingly assessing their use
        of digital commerce and what might be holding them          • Email Blasts (to GS readership)
        back from upgrading.
                                                                    • Video (website)
        We post full breaking news stories on our homepage
        (www.greensheet.com) regularly and include highlights       • Bundle advertisng campaign discounts
        from recent stories in this issue. You'll also find product   Rick Aston
        and company profiles, along with updates on recent
        awards, appointments, acquisitions, partnerships,                  Senior Media Partnership Specialist
        research and more. To have your company's latest
        news included, please send a press release to press@              707-284-1693
        greensheet.com, and to offer feedback or ask questions,
        please email us at greensheet@greensheet.com.
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