The Green Sheet Online Edition
April 4, 2025 • 25:04:01
Letter from the editor
Just when it seems the payments industry has seen it all, something new tests our resolve—be it economic upheaval, regulatory disruption or technological reinvention. Yet time and again, we rise to the challenge, not only surviving but thriving. In this issue, we continue our two-part series exploring how our industry meets curve balls with creativity, resilience and grit. Advisory Board members share their thoughts on why we’re so good at bouncing back—and what to prepare for next.
From embracing AI to enhance security and streamline operations to preparing for the rise of stablecoin settlements and evolving merchant expectations, their insights reflect both experience and foresight. They also stress the importance of fundamentals—resilient infrastructure, strong communication and a nimble mindset—as essential tools for navigating whatever lies ahead.
One aspect of preparing for what’s next is learning to take full advantage of AI, which one of our expert contributors addresses with practical examples and tips to help ISOs and MLSs work smarter and stay ahead of fraud. Other industry veterans explore legal, cultural and operational issues to consider when expanding a domestic business into new countries, as well as inside information on the importance of local payment methods when doing business in emerging markets. Experts additionally share insights on the central role of Visa's TC40 fraud reports in the card brand's new VAMP program; the multifaceted nature of merchant acquirer selection today; and how unified platforms can streamline operations and future-proof back-office infrastructure.
In our news briefs section, we cover key developments shaping the regulatory and competitive landscape in payments and fintech. Highlights include Senator Richard Blumenthal’s sharp critique of Visa’s partnership with Elon Musk’s X Money; a bipartisan push to cap credit card APRs at 10 percent; and Walmart’s new buy now, pay later alliance with Klarna and its OnePay platform. We also report on a steep rise in consumer fraud losses, which reached $12.5 billion in 2024, and the CFPB’s plan to rescind its rule requiring BNPL providers to follow Regulation Z, raising fresh concerns about consumer credit protections.
You'll also find updates on payments industry milestones, the Resource Guide, the latest from our Spotlight Innovators and media partners, new product profiles, words of inspiration and more. Be sure to send a press release to press@greensheet.com whenever you have payments news to share. And please send your questions and suggestions to greensheet@greensheet.com. 
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