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MAG Insider
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Abigale Arseneau Driving Payments Forward: MAG’s Latest Insights and Upcoming Events
May 29, 2025The Merchant Advisory Group (MAG) remains at the forefront of the fast-paced transformation occurring in the payments ecosystem—advocating for merchants, advancing industry standards, and providing valuable forums for dialogue and innovation. With the release of our first-ever Payments Technology Industry Engagement Report, along with several exciting events on the horizon, we’re proud to offer new opportunities to learn, connect, and lead in 2025.
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Advancing Payments
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Kelly Andrus MAG’s Fraud Focus Expands Across Forums
May 16, 2025Over the past year, there has been a lot of buzz around the new compelling evidence programs introduced by multiple card brands which allow merchants to adjudicate first-party fraud chargebacks for eCommerce or card-not-present disputes. These programs allow merchants to use data elements within the transaction—matched with the same data elements from previous, undisputed transactions—to prove cardholder involvement. But did you know most card brands also have rules for handling disputes, which allow for compelling evidence outside of these programs?
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Leadership Lens
Joe Vasterling and Monica Gullickson Everything You Need to Know: Brand Release Updates
Apr 15, 2025Spring has arrived, bringing with it longer days, warmer weather, and—like clockwork—updates from the payment card networks. Hopefully your acquirer has reviewed the changes with you since many of them were scheduled to take effect on April 11, 2025. Keep in mind that implementation dates can vary depending on the card brand and your specific payments processor.
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Payments Technology
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Steve Cole Network Tokens, What Are They Good For?
Mar 20, 2025Last year, Visa announced that it had issued its 10 billionth token and that tokenized payments had prevented $650 million of fraud in 2023. Visa and Mastercard have also stated that approximately 30% of all their payment transactions are processed utilizing network tokens. Given that network tokens have only been around for about a decade, those are impressive numbers. But what is it about network tokens that give them their superpower to stop fraud? After all, in the case of network tokens, the token is just another number representing a customer’s credit or debit account. What makes these numbers so much more secure than the numbers that make up the primary account number (PAN) of the payment card? In the typical context, tokens are often referred to as a non-sensitive representation of something of value, such as the PAN in the case of network tokens. But wait, you may be thinking, “if I can make a payment transaction with a network token, that sounds pretty sensitive to me.” Before drawing any conclusions about network tokens, maybe we should first consider what a network token is not. It is not a security token.
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Policy Perspective
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Leslie Crisp New Administration, New Priorities: What’s on the Horizon for Payments Policy?
Feb 28, 2025As the new administration takes shape, regulatory and legislative activity in Washington is evolving, with important implications for payments. Here’s a look at recent developments in Congress, at the Federal Reserve, and the Consumer Financial Protection Bureau (CFPB).
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International Perspective
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Paul Tunstall, Vice President, International and Leslie Crisp Navigating 2025: Key Regulatory Insights for Merchants in a Shifting Payments Landscape
Feb 20, 2025As we step into 2025, the payments industry continues to evolve rapidly, with new regulations reshaping the landscape in the U.K., the EU, and beyond. To help merchants stay ahead, MAG's Director of Public Affairs, Leslie Crisp, joined the MAG’s International Leader, Paul Tunstall, to discuss what merchants need to know and how to prepare.
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MEET OUR NEW MEMBERS
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PetSmart LLC
PetSmart is the leading pet retailer offering products, services and solutions for the lifetime needs of pets. At PetSmart, we love pets and we believe pets make us better people. Every day with every connection, PetSmart’s passionate associates help bring pet parents closer to their pets so together they can live more fulfilled lives. This vision impacts everything we do for our customers, the way we support our associates and how we give back to our communities.
PetSmart operates nearly 1,700 pet stores in the United States, Canada and Puerto Rico, as well as more than 200 in-store PetSmart PetsHotel® dog and cat boarding facilities. We provide a broad range of competitively priced pet food and products as well as services such as dog training, pet grooming, pet boarding, PetSmart Doggie Day Camp™ and pet adoption.
PetSmart, PetSmart Charities® and PetSmart Charities® of Canada work with nearly 4,000 animal welfare organizations to bring adoptable pets into stores so they have the best chance possible of finding a forever home. Through this in-store adoption program and other signature events, PetSmart has facilitated over 10 million adoptions, more than any other brick-and-mortar organization. -
.png?sfvrsn=2cac5d9_1 "Patreon")
Patreon is a media and community platform where creators give their biggest fans access to exclusive works and experiences.
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Clark Brands, LLC licenses the Clark and Crown gasoline and convenience store brands to independent petroleum marketers and their dealers.
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Catalyst Brands brings together Aéropostale, Brooks Brothers, Eddie Bauer, Lucky Brand, Nautica and JCPenney, creating an unmatched portfolio of iconic retail banners that celebrate the essence of American style.
- Marriott Vacations Worldwide
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TAG
The Aspen Group (TAG) is a leading healthcare organization that operates an extensive portfolio of businesses across diverse medical and wellness sectors. With a mission to provide innovative, accessible, and high-quality care, TAG is dedicated to enhancing the well-being of patients and clients across the United States.
MEET OUR NEW SPONSORS
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BR-DGE, is an independent, vendor-agnostic payment orchestration platform. We're committed to pushing the boundaries of payment technology and redefining the payments ecosystem. Through a single integration, BR-DGE gives merchants, financial institutions, acquirers and payment partners the tools to innovate and succeed
We’re focused on building technology, connections and relationships that enable our customers to scale, break into new markets, introduce innovative features, optimise costs and easily adapt to changing consumer expectations. Working with BR-DGE means our customers have simple, secure access to a global, diverse range of best-in-market payment technologies and providers that can power business success. -
Tender Retail has been the independent payment expert of choice for mid to large-sized retailers since 1985. Our customers seek our expertise to customize their technology stack and customer experience (POS, Payment Device, Acquirers and more) with leading-edge architecture, preventing cyber attacks and outages. Our fixed pricing model helps merchants get predictable OPEX, optimize their revenue margins and helps them remain more independent.
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Sheeva.AI is the future of v-commerce, enabling payments for transactions using your vehicle.
Sheeva.AI's patented geolocation technology powers a seamless customer experience through a simple API integration and an embedded digital wallet, allowing secure in-vehicle payments for fuel, charging, parking, tolls, and retail services. -
Financial flexibility for consumers. Seamless payment integration for retailers.
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Velocity Logic is a loyalty and payment software & services solutions provider focused on providing technology to help their businesses grow. Our focus is fuel, retail, restaurant, grocer, and FI loyalty.