Issue Archive
Click on the cover icon below to go to the current issue of Digital Transactions magazine, posted as a digital edition shortly after the magazine mails. Digital Transactions is published monthly. Once you have accessed the digital edition, you may read it online or save it to your computer. For earlier issues of the magazine, please visit the Archive. A reminder: The digital edition remains copyrighted material, and as such may not be posted to any Web site, or distributed in print or electronically, without the permission of the publisher.
April 2012
In this Issue
Trends & Tactics
The Gimlet Eye: Zero Stars for the Disintermediation Saga
Endpoint: Why the Future of the Point of Sale Lies in the Cloud
Security Notes Cautionary Notes on the Smart-Phone Age
Getting with the Program
Acquiring: How Acquirers Are Turning to Internet Search
Networks: Under Construction
E-Commerce: A Blurry Picture for clearXchange
Cover Story: Innovative ISOs
Components: Mobile Payments in Code
Components A Partly Cloudy Future for ATMs?
In this Issue
Trends & Tactics
The Gimlet Eye: Zero Stars for the Disintermediation Saga
Endpoint: Why the Future of the Point of Sale Lies in the Cloud
Security Notes Cautionary Notes on the Smart-Phone Age
Getting with the Program
Acquiring: How Acquirers Are Turning to Internet Search
Networks: Under Construction
E-Commerce: A Blurry Picture for clearXchange
Cover Story: Innovative ISOs
Components: Mobile Payments in Code
Components A Partly Cloudy Future for ATMs?
March 2012
In this Issue
The Gimlet Eye: Who Controls Consumer Payments?
Trends & Tactics
Security Notes: The Stubborn Challenge of Online Identity
Acquiring: Want to Work with a VAR? Get in Line
Acquiring: Who’s Paying for All Those Rewards?
E-Commerce: Where Cash Isn’t King—But Could Be a Prince
Cover Story: Don’t Fence Me in
Security: Small Fry, Meet PCI
M-Commerce: Stop Pushing Payments. Start Building Commerce
Endpoint: Catering to the Whipsawed Consumer
In this Issue
The Gimlet Eye: Who Controls Consumer Payments?
Trends & Tactics
Security Notes: The Stubborn Challenge of Online Identity
Acquiring: Want to Work with a VAR? Get in Line
Acquiring: Who’s Paying for All Those Rewards?
E-Commerce: Where Cash Isn’t King—But Could Be a Prince
Cover Story: Don’t Fence Me in
Security: Small Fry, Meet PCI
M-Commerce: Stop Pushing Payments. Start Building Commerce
Endpoint: Catering to the Whipsawed Consumer
February 2012
In this Issue
The Gimlet Eye: NFC May Have Some Catching up To Do
Trends & Tactics
Security Notes: Putting Hackers on the Defensive
Acquiring: The Feds’ Underwriting Crackdown
Opinion & Analysis: We Want EMV 2.0
M-Commerce: Mobile Commerce’s Next Step
Opinion & Analysis: How the Merchants Could (Unintentionally) Help out the Banks
Cover Story: Will Credit Cards Be Next?
M-Commerce: Take One of These for Durbin Headaches
Endpoint: Doing Wallets Right
In this Issue
The Gimlet Eye: NFC May Have Some Catching up To Do
Trends & Tactics
Security Notes: Putting Hackers on the Defensive
Acquiring: The Feds’ Underwriting Crackdown
Opinion & Analysis: We Want EMV 2.0
M-Commerce: Mobile Commerce’s Next Step
Opinion & Analysis: How the Merchants Could (Unintentionally) Help out the Banks
Cover Story: Will Credit Cards Be Next?
M-Commerce: Take One of These for Durbin Headaches
Endpoint: Doing Wallets Right
January 2012
In this Issue
Gimlet Eye: 225 Million Users Are Hard to Ignore
Trends & Tactics
Security Notes: Security As a Science
Acquiring: The Chip Card's Acceptance Quandary
E-Commerce: NFC Isn't Just a Brick-and-Mortar Thing
Strategies: A Rumor a Day
A Wealth of Wallets
Components:Padding the Transaction Count
Endpoint: Where PCI Went Wrong
In this Issue
Gimlet Eye: 225 Million Users Are Hard to Ignore
Trends & Tactics
Security Notes: Security As a Science
Acquiring: The Chip Card's Acceptance Quandary
E-Commerce: NFC Isn't Just a Brick-and-Mortar Thing
Strategies: A Rumor a Day
A Wealth of Wallets
Components:Padding the Transaction Count
Endpoint: Where PCI Went Wrong
December 2011
In this Issue
The Gimlet Eye: Too Soon for a Requiem for PIN Debit Online
Trends & Tactics
Security Notes: Bitcoin’s Risk—And Its Promise
Acquiring: Debit’s Cloudy Future
Networks: Image Archiving’s New Look
Opinion&Analysis: What’s Wrong with the Mobile Wallet?
Discover at 25
Components: Card Programs, with Benefits
M-Commerce: Why Banks Should Promote Mobile for Small Business
Components: Gift Cards’ Virtual Reality
Endpoint: Time to Toe the Line on PCI
In this Issue
The Gimlet Eye: Too Soon for a Requiem for PIN Debit Online
Trends & Tactics
Security Notes: Bitcoin’s Risk—And Its Promise
Acquiring: Debit’s Cloudy Future
Networks: Image Archiving’s New Look
Opinion&Analysis: What’s Wrong with the Mobile Wallet?
Discover at 25
Components: Card Programs, with Benefits
M-Commerce: Why Banks Should Promote Mobile for Small Business
Components: Gift Cards’ Virtual Reality
Endpoint: Time to Toe the Line on PCI
November 2011
In this Issue
The Gimlet Eye: PayPal’s Not-So-Standard Mag-Stripe Card
Trends & Tactics
Security Notes: A New Definition of Information Security
Acquiring: The New Pricing Puzzle
Security: Malware Becomes More Malicious
Components: ATMs for Modern Consumers
The 10 Most Pressing Issues in E-Payments
Transactors: Are Cards Ready for Their Closeup?
M-Commerce: What To Do Until NFC Arrives
Endpoint: Nice Work if You Can Keep It
In this Issue
The Gimlet Eye: PayPal’s Not-So-Standard Mag-Stripe Card
Trends & Tactics
Security Notes: A New Definition of Information Security
Acquiring: The New Pricing Puzzle
Security: Malware Becomes More Malicious
Components: ATMs for Modern Consumers
The 10 Most Pressing Issues in E-Payments
Transactors: Are Cards Ready for Their Closeup?
M-Commerce: What To Do Until NFC Arrives
Endpoint: Nice Work if You Can Keep It
October 2011
In this Issue
The Gimlet Eye: Another Casualty of Durbin
Trends & Tactics
Security Notes: What To Do About Malware
Acquiring: That Problematic New Tax Law
Acquiring: The Complicated Algebra of Negative Substitution
Strategies: Getting Beyond Square
Merchants Zero in on Payments
Security: Spam’s Merchant-Acquirer Chokepoint
E-Commerce: The Less Obvious Impacts of Durbin on Bill Payments
Endpoint: Two Mistakes in the Mobile-Merchant Market
In this Issue
The Gimlet Eye: Another Casualty of Durbin
Trends & Tactics
Security Notes: What To Do About Malware
Acquiring: That Problematic New Tax Law
Acquiring: The Complicated Algebra of Negative Substitution
Strategies: Getting Beyond Square
Merchants Zero in on Payments
Security: Spam’s Merchant-Acquirer Chokepoint
E-Commerce: The Less Obvious Impacts of Durbin on Bill Payments
Endpoint: Two Mistakes in the Mobile-Merchant Market
September 2011
In this Issue
The Gimlet Eye: Speeding up the ACH
Trends & Tactics
Security Notes: Confessions of a Security Consultant
Acquiring: Turf Wars?
Networks: The Great Game Changer
E-Commerce: Beyond Fun And Games
The Age of Offers
Security: Why PINs Need Performance-Enhancing Technology
Networks: From Tomorrow to Today
Endpoint: The Vexing Question of Cross-Border Commerce
In this Issue
The Gimlet Eye: Speeding up the ACH
Trends & Tactics
Security Notes: Confessions of a Security Consultant
Acquiring: Turf Wars?
Networks: The Great Game Changer
E-Commerce: Beyond Fun And Games
The Age of Offers
Security: Why PINs Need Performance-Enhancing Technology
Networks: From Tomorrow to Today
Endpoint: The Vexing Question of Cross-Border Commerce
July 2011
In this Issue
The Gimlet Eye: The Age of Fees
Trends & Tactics
Security Notes Strategic Security: It’s Worth the Effort!
Acquiring: A Partly Cloudy Forecast
Strategies: Small Banks, Big Imperative
Opinion & Analysis: What Visa Is up to
The Rise of the Quasi-Merchant
E-Commerce: How Online Merchants Can Make Durbin Pay off
Networks AmEx Serves up Serve
Endpoint: Mobile Payments: EMV’s Best Friend in the U.S.
In this Issue
The Gimlet Eye: The Age of Fees
Trends & Tactics
Security Notes Strategic Security: It’s Worth the Effort!
Acquiring: A Partly Cloudy Forecast
Strategies: Small Banks, Big Imperative
Opinion & Analysis: What Visa Is up to
The Rise of the Quasi-Merchant
E-Commerce: How Online Merchants Can Make Durbin Pay off
Networks AmEx Serves up Serve
Endpoint: Mobile Payments: EMV’s Best Friend in the U.S.
June 2011
In this Issue
The Gimlet Eye: Chip And Signature?
Trends & Tactics
Security Notes: Some Thoughts About Authentication
The Banks Wake up
The Not-So-Friendly Form of Fraud
Canada Puts Down Chip Card Roots
Online Poker: A Good Bet?
What You Need To Know Before Choosing an Alternative Network
Endpoint: Is Your Checkout Designed To Sell?
In this Issue
The Gimlet Eye: Chip And Signature?
Trends & Tactics
Security Notes: Some Thoughts About Authentication
The Banks Wake up
The Not-So-Friendly Form of Fraud
Canada Puts Down Chip Card Roots
Online Poker: A Good Bet?
What You Need To Know Before Choosing an Alternative Network
Endpoint: Is Your Checkout Designed To Sell?
May 2011
In this Issue
The Gimlet Eye: Many Are Called, Few Are Chosen
Trends & Tactics
Security Notes: The Urgency of Bounce-Back Planning
More Anti-Chargeback Firepower
Don’t Give up on Teen Cards
Getting on the Out-of-Band Bandwagon
The Renaissance of the ATM
Annual Field Guide to Alternative Payments
MasterCard, Five Years After the IPO
What To Do Until the Council Weighs in
Why EMV Chip And PIN Is Still Homeless in the United States
In this Issue
The Gimlet Eye: Many Are Called, Few Are Chosen
Trends & Tactics
Security Notes: The Urgency of Bounce-Back Planning
More Anti-Chargeback Firepower
Don’t Give up on Teen Cards
Getting on the Out-of-Band Bandwagon
The Renaissance of the ATM
Annual Field Guide to Alternative Payments
MasterCard, Five Years After the IPO
What To Do Until the Council Weighs in
Why EMV Chip And PIN Is Still Homeless in the United States
April 2011
In this Issue
The Gimlet Eye: The Resilience of Debit
Trends & Tactics
Beyond Patches: Time for Strategy
Seeding the Vending Market
Where Are the ISOs?
Ordering Priorities
Get Ready for Gateway 3.0
Chicken Little’s Loopy Logic
Why Payments Roles Are Blurring— And Why It Matters
In this Issue
The Gimlet Eye: The Resilience of Debit
Trends & Tactics
Beyond Patches: Time for Strategy
Seeding the Vending Market
Where Are the ISOs?
Ordering Priorities
Get Ready for Gateway 3.0
Chicken Little’s Loopy Logic
Why Payments Roles Are Blurring— And Why It Matters
March 2011
In this Issue
The Gimlet Eye
Security Notes
Trends & Tactics
A Complex Operation
Open Season
The Little Guy’s High-Tech Advantage
Prepaid Cards’ Big Bullseye
What the Banks Have to Say About Mobile Banking
A Response to the NRF
In this Issue
The Gimlet Eye
Security Notes
Trends & Tactics
A Complex Operation
Open Season
The Little Guy’s High-Tech Advantage
Prepaid Cards’ Big Bullseye
What the Banks Have to Say About Mobile Banking
A Response to the NRF
February 2011
In this Issue
Trends & Tactics
Security Notes
Washington’s Assault on Payments
What NFC Should Look Like
The Gimlet Eye
Scoping out Durbin’s Impact
The Bill-Pay Horse Race
Going for a Checkmate
The War on Attrition
In this Issue
Trends & Tactics
Security Notes
Washington’s Assault on Payments
What NFC Should Look Like
The Gimlet Eye
Scoping out Durbin’s Impact
The Bill-Pay Horse Race
Going for a Checkmate
The War on Attrition
January 2011
In this Issue
Next in Merchants’ Cross-Hairs
Rewriting the Transaction Routing Rules
What’s Holding up the Mobile Point of Sale?
The Forgotten Ones
Free of IRDs, Check 21 Challenges the ACH
An End to the Great Data-Storage Debate
Detecting the Enemy Within
‘We’re Betting on the Gesture of Tapping’
Trends & Tactics
In this Issue
Next in Merchants’ Cross-Hairs
Rewriting the Transaction Routing Rules
What’s Holding up the Mobile Point of Sale?
The Forgotten Ones
Free of IRDs, Check 21 Challenges the ACH
An End to the Great Data-Storage Debate
Detecting the Enemy Within
‘We’re Betting on the Gesture of Tapping’
Trends & Tactics
September 2010
In this Issue
Why Smart Cards Are Coming to America
The September 2010 issue of Digital Transactions.
In this Issue
Why Smart Cards Are Coming to America
May 2010
In this Issue
'Double Dippers' Put a Drag on Banks' Bill-Pay Efforts
The May 2010 issue of Digital Transactions
In this Issue
'Double Dippers' Put a Drag on Banks' Bill-Pay Efforts
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