Merchants have only recently begun to realize the criticality of payments to their businesses and have now become actively engaged in efforts to pursue merchant interests in the payments ecosystem. MAG members represent  the country’s most knowledgeable and well informed merchant payments experts who actively discuss, debate and advocate these interests with other payment ecosystem stakeholders.

The MAG vigorously pursues merchant objectives regarding payment issues of importance. Foremost among these issues are the high cost of payment acceptance,  payment fraud, fairness, the need for open standards and adequate and meaningful representation in decision-making payments forums. The MAG will seek out opportunities to represent its members at payment industry events and in the trade press. We will also actively collaborate with more traditional merchant trade associations by acting as a resource for subject matter expertise on payments matters.

Involvement with other organizations:

MAG recently joined the Accredited X9 Standards Committee, which is the leading US organization charged with creating technical standards for financial services. MAG participates in X9  because it is an open and accredited standards process whereby all stakeholders can provide feedback to technical standards, and most importantly, all members have equal and direct voting rights. MAG is most actively monitoring the work of the X9AB Payments Subcommittee, which covers retail and corporate payments, and the X9F Data Security and Information Subcommittee, which recently completed an end-to-end encryption standard, and is actively working on tokenization standards. MAG strongly encourages direct member participation in these technical workgroups. Please contact Mark Horwedel if you would like to volunteer.

MAG joined the World Wide Web Consortium (W3C) in 2015. W3C is an international community committed to open standards for the web, including website and e-commerce payments. Similar to the ANSI X.9 group, W3C is committed to the principles of open standards creation and adoption, including cooperation, due process, broad consensus, transparency, balance, openness, collective empowerment, availability, and voluntary adoption. MAG represents some of the largest e-commerce merchants in the United States, as well as an increasing number of traditional card-present merchant businesses who are beginning to conduct more business in online and mobile channels. W3C has a work group dedicated to web payments.

Secure Remote Payments Council (SRPC) - MAG CEO, Mark Horwedel, serves on the Board of Directors of the SRPC. The SRPC Board consists primarily of representatives from the major U.S. Debit networks, as well as the acquiring community. The SRPC is focused on ensuring competitive debit solutions in the United States, including the development and market adoption of secure debit-based e-commerce and mobile payments. The SRPC goal of an open, interoperable, and competitive debit landscape for the future of debit payments in the United States is in line with MAG’s values of competition and transparency.