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Letter from the editor







                     hen  Walmart  takes  notice,  you  know
                     a trend has traction. The retail giant is
                     exploring how consumers are beginning
        W to use agentic  AI—autonomous digital
        agents that pursue goals without constant prompts—to
        shop smarter and faster. And, as you'll read in this issue's
        lead article, they're not alone. From Visa and Mastercard                  Let us help you
        to PayPal and Stax Payments, industry leaders are lay-
        ing the groundwork for AI agents to not only assist in                  reach your target
        search and decision-making but also handle payments
        and  detect fraud. As  agentic AI shifts from concept to
        commerce, the payments world is entering a pivotal new                    audience today!
        chapter—one defined by speed, personalization and a
        reimagined consumer experience.

        This issue’s contributors also delve into areas that are
        shaping payments today. Topics addressed include how
        legacy  infrastructure,  technical  complexity  and  frag-    Some of the options available to
        mented certification processes continue to hinder full
        U.S. EMV adoption; how the rise of SaaS and HaaS busi-      customize to target your audience
        ness models is transforming ISO and MLS relationships
        with POS dealers and software partners, heightening the
        need for payment professionals to choose tech alliances
        wisely; the case for processor redundancy, emphasizing
        the risks of single-processor dependencies and the im-
        portance of building resilient platforms to avoid outages;
        and a deep dive into payment orchestration revealing
        how this once-niche infrastructure solution is becoming
        essential for businesses seeking agility, scalability and
        cross-market optimization. In the EV space, one con-
        tributor explores how inconsistent, frustrating payment
        experiences are holding back wider adoption, and calls                              Custom Video
        for standardization and intuitive, card-based solutions.   Targeted Email Campaigns
        Another expert unpacks a change in Europe’s payments     Sent to Green Sheet’s exclusive-  Mini commercials that focus
        landscape: opening of NFC access to A2A wallets, which   mailing list of readers working   your services directly to our
                                                                    Small advertising budget? No problem.
        could disrupt card dominance in-store.                   in our industry.           industry audience.
                                                                  Consider the versatility of our resource guide listings.
        In the news, we've highlighted a nationwide Zelle out-     “Your success  Have you called for  Let us help you   In Print
                                                                                             Online
                                                                    is our success!”
                                                                    - Danielle Thorpe
                                                                    VP Media Partnerships
        age that exposed vulnerabilities in digital payments,       The Green Sheet, Inc.  your personalized  piece together your perfect   Front Page Option
                                                                       virtual tour yet?
                                                                            advertising campaign to
                                                                             grow you buisness.
        sparking calls for better vendor diversification; a report   The Green Sheet     •  Ability to purchase on a
                                                                                               (to a mini ad):
        on mixed economic signals, with small businesses strug-     www.greensheet.com    quarterly basis.
                                                                     707-284-1684
        gling for funds and consumers wary despite modest job       customized adverting   Customized advertising   •  4 equal quarterly
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                                                                                            Spotlight Innovators
                                                                     more about our
                                                                     Call Danielle directly
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                                                                              SPOTLIGHT
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                                                                             company and budget.
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        growth; New York's licensing of BNPL lenders, stepping      C C C C C C C C C C C C Call me today!   y! y! y! y! y! y! y! !  Danielle Thorpe, Asst. VP Media Partnerships PARTNERSHIPS  payments as an option.
                                                                     or drop her a note
                                                                     company today!
                                                                    danielle@greensheet.com
                                                                          “Your success is our success!”
                                                                     707.284.1686
                                                                                 Your
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                                                                                            Individualized web pages
                                                                                Company
        in where federal oversight receded; Mastercard and          Let me help    personalized company web space  •  discounts for longer
                                                                                Logo
                                                                    you with your
                                                                                          term listings!
                                                                                You now can have your own
                                                                    advertising
                                                                                            focusing on innovators in our
                                                                    success.
        MoonPay's partnership to bring stablecoin payments to       Y Y Your success is  D D D D a aniellle Thoor epe r pe  tn nersh ne n ne rs sh rship p p s  Articles from or about your company  Assistant Vice President of Advertising Sales  800-757-4441
                                                                               www.greensheet.com/yourcompanyname
                                                                             Personalized News from the Wire
                                                                    our success!
                                                                                            industry.
                                                                                  707-284-1686
                                                                            Your executive online ads & videos
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                                                                             Call me for the details today!
                                                                                  danielle@greensheet.com
                                                                       Asst. VVP Meedia Partn rships
        over 150 million locations and boost crypto-fiat integra-
        tion;  and  BEC  scams,  which  drained  $8.5 billion from   Resource Guides
        U.S. firms over three years, prompting renewed focus on   Mini ads that can be seen with
        ACH fraud prevention.                                    online/front page options
                                                                 available.
        Please also check out our product and innovator pro-
        files, as well as updates on recent industry milestones.
        For questions or comments, email greensheet@greensheet.  MORE OPTIONS AVAILABLE EMAIL US TODAY!
        com. And remember, send your press releases to press@
        greensheet.com—we want to spread the word about your                  RICK@ GREENSHEET.COM
        latest achievements.
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