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Letter from the editor

or years, the industry equated success in
merchant services with selling the right stack
at the right price. Providers differentiated
F themselves by bundling payments, software
and support into a single solution, emphasizing value,
features and convenience over price. But that approach
is losing traction.

As this issue’s lead article explores, merchants are op-
erating in an increasingly complex environment, where
multiple providers, evolving compliance demands, and
rising expectations around data access and flexibility
are the norm. Thus, today's merchants are not looking
to add another solution to the mix. They are looking for
partners who can help them make sense of what they al-
ready have, identify what is working and uncover where
opportunities are being missed. That shift is changing
not just technology decisions, but also the way payments Let me make it easy for you
professionals sell and build long-term relationships.
to reach your target audience
That need for clarity and control carries through the rest with a personalized custom
of this issue. One contributor examines how politics and
regulation are reshaping global payments, arguing that advertising campaign to meet your
resilient fiat infrastructure is what keeps cross-border
flows reliable and compliant. Others explore how grow- company’s individual needs today.
ing complexity is surfacing in new ways, from digital
health commerce to AI deployments. Operational chal-
lenges are also in focus, with insights on managing Customized advertising campaigns
channel conflict among multiple providers and on how to fit any size company and budget.
modern POS systems are helping retailers maintain re-
silience during severe weather events. And one expert • Spotlight Innovators’ Pages
looks at how ISOs and MLSs can use this moment to re-
fine marketing strategies, strengthen merchant relation- (frequently updated content)
ships and align with the right technologies. • Resource Guide listing

Our news briefs reflect an industry balancing momen- (print/online/front page options)
tum with uncertainty. Credit cards continue to dominate
U.S. spending even as digital wallets gain traction, sig- • Email Blasts (to GS readership)
naling a gradual but meaningful shift in how people pay. • Advertising
At the same time, transaction volumes and the fees tied
to them are climbing, with U.S. financial institutions col- (website/twice month various size options)
lecting $66 billion in interchange last year. Meanwhile,
businesses are reporting escalating AI-driven attacks, • Video
but adoption of AI-driven defenses lags. Providers are • Bundled advertising campaign discounts
stepping up innovation, from Visa’s AI-powered dispute
resolution tools to American Express initiatives designed
to build trust in agentic commerce. Together, these de- Rick Aston
velopments highlight a payments landscape where leg-
acy behaviors persist, but new technologies are steadily Senior Media Partnership Specialist
reshaping expectations and strategies.
707-284-1693
Also, check out our company spotlights, product profiles,
updates on milestones and other resources selected to Your bottom line will thank you.
help inform and empower you. For questions and com-
ments, please email greensheet@greensheet.com. To share
news, send a press release to press@greensheet.com.
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