The MAG 2015 Mid-Year Conference Draws Record Numbers
The 2015 MAG Mid-Year Conference was held February 17-19 at the Intercontinental Dallas hotel. It was the largest MAG Mid-Year Conference to date with over 270 attendees and 120 merchant attendees. This year’s theme was “ADVANCING THE PAYMENTS SYSTEM – EVOLUTION OR REVOLUTION.” All conference education presentations are available in the Members Only area of the website. Once logged in, click on “Use Our Resources,” “Member Resources,” “2015 Mid-Year Conference Presentations.”

Additional Conference Highlights Include:
  • Update from Apple Pay
  • Update from MCX
  • 6 merchants discussed “To NFC or not to NFC”
  • 6 merchants discussed “What they want from their Processors”
  • The Fed discussed its recent findings and recommendations about payments
  • NACHA discussed its recommendation for same day payments
  • Networks and processors discussed tokenization
Mark Your Calendars!
Endangered Species?
By Mark Horwedel, Merchant Advisory Group

Nearly everyone except the banks acknowledges the U.S. is rapidly falling behind much of the world with respect to financial services. America’s bankers continue to lose market share to credit unions, finance companies, payday lenders and, most recently, merchants. Does anyone expect this trend to change any time soon? Read the Full Article
What’s Up in Washington: The Future of Debit Card Costs
By Liz Garner, Merchant Advisory Group

The Supreme Court recently decided not to hear a merchant community appeal challenging the Federal Reserve’s debit card fee rule-making. What does that mean for the future of debit card costs and the debit fee and routing reforms? Read the Full Article
Tokenization – In Need of a Step in the Right Direction
By Alok Mathur, Hughes Network Systems, LLC

We are now at a crossroads between closed and proprietary tokenization regimes and open and transparent tokenization strategies. There is no question about the need to keep credit card data secure. Tokenization is a step in the right direction and key stakeholders in the payment system understand the urgency. But is tokenization headed in the right direction? Read the Full Article
The Value of a MAG Membership: A New Member’s Perspective
By Krystyn Mansfield, Bose Corporation
In a relatively short span of time, my MAG membership has emerged as an essential tool in my work at Bose Corporation in the Consumer Payments Group. Read the Full Article

Events and Education
MAG Educational Webinars
The next webinar “Cyber Risk: Threats, Loss Control, Liability & Claims” is scheduled for March 30 and will feature Moderator: Chris Priebe, Director, Payments and Risk, Southwest Airlines and speakers Mark Greisiger, President, NetDiligenceĀ® and John Mullen, Managing Partner, Philadelphia Region/Chair, US Data Privacy & Network Security, Lewis Brisbois Bisgaard & Smith LLP. Register Today!

View the 2015 MAG webinar schedule

MAG Insights
The MAG publishes many whitepapers and press releases in the MAG Insights section of the website homepage. Make sure to visit the website often to view these important announcements.


MAG Accomplishments
The MAG has made great strides in the payments world over the past 7 years. View the MAG Accomplishments document to see how the MAG is:
  • Actively collaborating with the key stakeholders in the payments system
  • Educating merchants’ payment professionals on current and major issues
  • Driving positive change in payments by publically addressing a wide range of issues impacting merchants
  • Advocating merchant interests though speaking engagements, press releases, white papers and participation in regulatory forums.
Consumer Expectations Demand Faster Fraud Dispositioning
By Rama Katz, Emailage Corp.

Merchants are pushing the envelope to provide faster than ever purchase to delivery time in order to gain consumer attention. Overnight shipping, in-store pickup, and digital downloads put the product in shopper hands faster than ever before, but are your fraud prevention tools slowing down the quick turn around required in today's shopping experience? Read the Full Article

Beyond Certification: How Merchants can Minimize the Total Cost of EMV
By Fergal Molloy, Acquirer Systems

Every party in the payment chain is changing systems, updating networks, or reissuing cards. The entire industry is beginning its journey towards life in a smart card landscape. Are you prepared for the game of your life? Read the Full Article
Defend versus Devalue: Two Approaches to Card Data Security
By Ruston Miles, Bluefin Payment Systems

2014 closed out with a record number of data breaches – more than two breaches each day. The fact is that a card data breach can happen to any business regardless of size. There are two security paths for merchants: Defend the Fort or Devalue the Data. Read the Full Article
Shazam’s Faster Payments Move
Strengthens Debit’s Ties to P2P

By Dan Kramer, Shazam

As other entities push toward developing a faster payments system in the U.S., it has become increasingly apparent that a good place to start is through debit networks. Read the Full Article

Also in this Issue
Best Prectices: MAG Introduces New Benchmarking and Best Practices Initiative to Benefit the Membership
By Dean Sheaffer, Boscov’s Inc.
Core missions for the MAG are to provide education and advocacy for our member merchants with regard to the US payment ecosystem. The MAG board of directors has determined that one way to move toward fulfilling these objectives is to create a repository of benchmarks and best practices. The first benchmarking survey will focus on interchange optimization. Are you prepared to volunteer to help? Read the Full Article
Australia: A World Leader in Efficient Credit Card Systems
By Liz Garner, Merchant Advisory Group
Featuring: Dhun Karai, Woolworths Money

Australia has been a long-time leader in efficient, low-cost payments. Join us for an interview with Dhun Karai to discuss the recent Australia PINwise initiative, as well as the latest Financial Systems Inquiry Report. Read the Full Article
Tokenization Will Improve Payments, but at What Cost?
By Gray Taylor, CONEXXUS
What is 2015’s game changer? In my opinion its tokenization. No other technology has the ability to reduce security risk in the future payments landscape, but there are significant risks. Read the Full Article
The MAG is On The Road
MAG CEO, Mark Horwedel and MAG Vice President, Liz Garner, will be representing the MAG in many industry events over the next several months:

Welcome MAG New Members and Sponsors!
(Since 12/5/14)
MAG Members
Red Lobster
Kum & Go
Canadian Tire
Sonic Corp.
Bi-Lo Holdings
Dick’s Sporting Goods, Inc.
Delhaize America
McAfee, Inc. - An Intel Company

View a complete listing of MAG MembersĀ 
SILVER Sponsor
Acquirer Systems

View a complete listing
of MAG Sponsors

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