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Letter from the editor

hrough the years, we've
always done a year-end
roundup for the final
T article of the year. We've
Happy
found more ways to approach this than the 40 years Happy
we've been in business. We've looked at it through the
lenses of advancements in technology, new business
opportunities, challenges surmounted, milestones in
the industry as a whole, results for the top acquirers,
perspectives of industry leaders, new types of part-
nerships, new approaches to security, cutting-edge
research, and more.

In this year's lead article, we've delved into highlights
New Years!
from 2023 from an array of areas in the industry, in-
cluding key advancements in real-time payments, in- New Years!
cluding the launch of FedNow, and their likely impact;
interchange, as well as transaction routing under attack
again, and the likely repercussions on merchants, con-
sumers and service providers; the popularity of dual
pricing models, which are unpopular with the card
, a
t
r
e
W
t The G
e
r
e
e
he
, a
n S
e
brands; the long arm of government agencies like the We, at The Green Sheet, are
Consumer Financial Protection Bureau; and the ever-
r
k
a
tha
n
t
ne
rs.
o
l f
ur p
fu
r o
present need to be vigilant about security. thankful for our partners.
All the advancements and information at our finger-
tips would be useless, however, if there were no skilled
We are here to help you
merchant level salespeople in our midst. And one W e a r e he r e t o he l p y o u
contributor to this issue aims to help MLSs up their
o
rge
game by providing guidance on how to overcome target your right audience.
t a
nc
e
h
t y
ta
di
ur rig
.
u
e
sales objections. Other industry experts share knowl-
edge herein on how advancements in tokenization can
age
lif
p
y y
m
o
A
ur mess
help merchants navigate challenges in an expanding • • Amplify your message
ecommerce landscape; bloopers for merchants and
their sales associates to avoid, particularly during peak • • Expand your reach
o
ur r
e
nd y
ach
a
E
xp
shopping times; and why you should think twice about
companies that brag about how trustworthy they are.
E
age acr
oss cha
nne
n
• • Engage across channels
g
ls
The fast-paced payments industry always gives us
plenty of news to cover. In this issue we've highlighted
stories on Verizon and Mastercard's expansion of their
f-a-k
ur o
ind
o
ne-o
e
e y
A
nd s
SMB offerings; results indicating the year-end shop- And see your one-of-a-kind
ping season's kickoff weekend exceeded expectations;
u
a c
a
l
p
ig
n
m
a
m
ime
di
t
the ending of the Apple-Goldman Sachs partnership; multimedia campaign
and the fintech sphere's ramp up of lending to low-in-
c
o
e
me t
o lif
come consumers. come to life. .
Also included are company and product profiles, up-
d
a
o
C
t t
o
c
y
nne
dates on individual and company milestones, per- Connect today: :
spectives from readers, words of inspiration, and our
Rick Aston
Resource Guide to help you connect with the people R i ck A s t o n
and companies that can enhance your career. We, at
pec
i
ts
t
i
a
l
i
o
r M
h
rs
e
a
i
a P
tn
ed
r
e
S
p S
n
i
The Green Sheet, hope you find much in this and all our Senior Media Partnership Specialitst
issues to inform and empower you. Please send your
707-284-1693 / rick@greensheet.com
questions and suggestions to greensheet@greensheet.com, 707-284-1693 / r i c k@g r ee n s h ee t.c o m
and submit your press releases to press@greensheet.com.
We hope you thoroughly enjoy the holidays. See you in
January 2024.
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