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September 2009 Issue
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See You In Times Square: ETA's Strategic Leadership Forum |
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Next month, ETA’s annual Strategic Leadership Forum moves to the financial center of the world, New York City, with an all new, completely redesigned format. “The Strategic Leadership Forum has always been a one-of-a-kind experience looking into the future of payments, and quite simply, you can’t maintain such an experience if you aren’t evolving yourself,” says ETA CEO Carla Balakgie.
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Push Comes to Shove: Level 4 PCI Compliance |
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Where PCI compliance is concerned, principle is colliding with practicality. Nearly everyone agrees that data security is important and that PCI standards are both helpful and come with mandates that can hardly be ignored. However, questions remain about the practical realities of how far small merchant operations will be forced to conform to the principles of PCI compliance—and how much those principles will have to bend to business realities.
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Managing Risk: Personal Guarantees From Merchants |
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For years, banks and ISOs have relied on the additional security of a personal guarantee when establishing merchant accounts for most small and medium-sized businesses. The idea is simple: The guarantor (usually the business owner) legally agrees to be personally responsible for all debts the business fails to pay. This lets the bank or ISO sidestep this liability protection and permits the bank or ISO to collect on the debts of the business directly from the owner who has guaranteed those debts. More typically, businesses are set up as corporations, limited partnerships, or limited liability companies, and those business structures legally protect the owners from the creditors of the business.
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Data Security: Fighting the Fallout |
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A few short months after what is being called the largest-ever data breach of its kind, Princeton, New Jersey-based Heartland Payment Systems appears to be well on the way to addressing the fallout from the incident and implementing measures aimed at preventing history from repeating itself.
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ISO Corner: Countering Attrition |
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Now, more than ever, ISOs, acquirers, and processors need to understand why merchants leave them. In this economy, with little new business formation and old businesses failing left and right, the battle for healthy merchants’ business is on, and those without a strategy may lose the fight.
Historically, attrition rates have ranged from negligible to around 6 or 7 percent annually, notes consultant Paul Martaus, president of Martaus & Associates in Mountain Home, Arkansas. But now 18 to 25 percent is not unusual, he says. Respondents to a recent Martaus survey indicated that close to half of the attrition they experienced is due to business failures, he reports.
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ETA Members Only |
| member information
membership status
member-only content | |
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Upcoming Events |
| April 17-19, 2012
Mandalay Bay
Las Vegas, NV | | | |
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