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        Cover Story                                            Education
          Serving cannabis businesses:                           Street Smarts SM
          an $11 billion conundrum ..............................................................1  Beware the Square effect .............................................................40
           By Patti Murphy
                                                                   By Steve Norell, US Merchant Services Inc.
           Voters in three states approved ballot measures on Nov. 6 that re-  Before Square, most merchants were in a one-to-one relationship
           lax restrictions on cannabis sales. And there is talk in Washington   with a processor and most likely boarded by an MLS who visited
           about loosening federal restrictions on cannabis sales.  the merchant in person. Square is changing that.
        News                                                     Networking group do's and don'ts .........................................42
                                                                   By Bill Pirtle, Clearent LLC
          News Briefs:
                                                                   Networking groups use reciprocal prospecting methods whereby
          U.S. Payments Forum provides                             members will send you business if you are willing to send business
          resources for new EMV use cases .............................................10  to them. There are specific guidelines to follow.
          R.W. Bowker, sole keeper of ISBNs, hacked .........................10  Three ways to add value to your sales process .................45
          Money20/20: a discussion with many threads ..................10  ByJeh Holsomback, Secure Payment Solutions Inc.

          Faster payments: shoo-in for                             Merchants are continually turning to technology to create a
          banks, long game for Fed ............................................................10  competitive edge for their businesses. To capitalize on this trend,
                                                                   channel resellers are evolving their sales processes.
          Industry Update ...............................................................................12
                                                                 What Visa's bulletin on cash
        Views                                                    discount means to you ..................................................................46
          The very point of sale:                                  By Evan Weese, CardX
          Are you a good storyteller? ........................................................20  Visa clarified that the most common cash discount model is not
           By Dale S. Laszig, DSL Direct LLC                       compliant with its rules and "may subject the acquirer to non-
                                                                   compliance action." Surcharging is a viable alternative.
           In writing, a good story can pull people in and get their full atten-
           tion. Set a strong opening scene and people will tune in to see   New Products
           what happens next. Compelling stories rule in selling, too.
                                                                 End-to-end POS, store management for retailers  ..........48
          Money 20/20  — You say you want a revolution? .............23  Cloud-based app prints
           By Brandes Elitch, CrossCheck Inc.                    receipts from mobile devices .....................................................49
           Money 20/20 bills itself as the world's largest marketplace for   Inspiration
           ideas, connections and deals in payments, fintech and financial
           services. And this year's show didn't disappoint.     Listen well to bridge what divides ..........................................51

        Company Profile                                        Departments
          Paysafe Group:                                         Letter From the Editors ....................................................................5
          Serving consumers and businesses alike ............................31  Readers Speak:
                                                                 Sandbox, really? ..................................................................................8
                                                                 Featured now on Merchant Sales Podcast ...........................12
                                                                 Spotlight Innovators ......................................................................26
                                                                 2019 Events Calendar ....................................................................50
                                                                 Resource Guide .................................................................................52
                                                                 Advertiser Index ...............................................................................62














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