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Letter from the editor

n this issue's lead article, we explore a develop-
ment that could reshape the payments land-
scape: pay by bank, or account-to-account (A2A)
I payments. As consumers and merchants seek
faster, more secure, cost-effective ways to transact, the
direct movement of funds between bank accounts is
gaining momentum, driven by real-time payments and
Howdy
the growing adoption of open banking. Howdy

While A2A payments have seen impressive growth
Y’all!
in developing markets, particularly where card pay- Y’all!
ments are less established, their adoption in the United
States has been slower. However, with advancements
in fraud detection, dispute resolution and integration
into everyday payment systems, pay by bank is poised
to make waves in global commerce. Service providers
are tackling key barriers to adoption, while major re-
tailers and card networks are taking steps to embrace
this new payment method.
Will pay by bank be the future of everyday transactions
in the United States? What will it mean for consum-
ers, merchants and financial institutions? Our article I’m working hard to help you increase
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explores these questions and offers a glimpse into how
your bottom line today!
this emerging trend could redefine the way we pay. y o ur b o t t o m line t o d a y!
Another factor affecting payments is the competition
ull
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o B
ISOs and merchant level salespeople face from fin- No Bull
techs making onboarding via the internet a snap for
merchants. This phenomenon and what to do about it
is addressed by one of the expert contributors to this Customized advertising campaigns
magazine. Other experts featured herein discuss proj- to fit any size company and budget.
ects underway to address challenges remaining as the
2027 deadline for the G20's ambitious cross-border • Spotlight Innovators’ Pages
goals loom; an expected increase in card usage at the
POS due to the rise in self-serve kiosks at the POS (frequently updated content)
spurred by increased labor costs and advanced tech-
nologies; and innovative ecommerce solutions offering • Print (various size options)
small stores tools they need to thrive in the online mar- • Resource Guide listing
ketplace.
(print/online/front page options)
In addition to new profiles and updates on recent mile- • Email Blasts (to GS readership)
stones in payments, we've included briefs on full sto-
ries posted online, including research showing U.S. • Online (website/twice monthly magazine)
merchants face the highest card payment acceptance
costs among industrialized nations; new resources re- • Video
leased by the U.S. Faster Payments Council to help fi- • Bundle advertisng campaign discounts*
nancial institutions integrate faster payments; The Fed-
eral Trade Commission's distribution of $2.6 million in
refunds via PayPal to victims of a mobile cash advance Rick Aston
scam; and a U.S. Department of Justice's lawsuit ac-
cusing Visa of illegally maintaining a monopoly over Senior Media Partnership Specialist
debit card network markets.To share news of your com-
707-284-1693
pany's latest developments, please send a press release 707-284-1693
to press@grensheet.com; for comments and questions,
please email greensheet@greensheet.com.
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