CONFERENCE PROGRAM...B2 Payment Solutions Balance Innovations BlueFin Payment Systems Buy it...

2 0 1 5 M I D - Y E A R C O N F E R E N C E

CONFERENCE PROGRAM

F E B R U A R Y 1 7 - 1 9 | D A L L A S , T E X A S

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Thank You Sponsors .................................................. Inside Front Cover

Table of Contents/General Info ........................................................... 3

MAG Anti-Trust Statement ................................................................. 4

Program Agenda ............................................................................ 5-8

Directory of Sponsors ................................................................. 10-21

Stay Connected .............................................................................. 22

MAG Leadership ............................................................................. 23

Schedule-at-a-Glance ................................................................. 24-25

Save the Date for the 2015 Annual Conference ................................. 26

Sponsor Exhibit Area Map ............................................................... 27

General InformationThe MAG 2015 Mid-Year Conference focuses on how present payments system participants intend to evolve their products as well as how new payments providers intend to change the payments landscape. The agenda is packed with education and networking events designed to help you get ahead. We hope you enjoy the keynote presentation by Andrew Tarver, Founder, BOLDROCKET and the various other sessions presented by payments experts focusing on “Advancing The Payments System- Evolution or Revolution.”

Merchant Only Round Table Discussions (SIG)The MAG Special Interest Group (SIG) Round Tables will be taking place on Thursday morning. These merchant only round tables are designed to connect with merchants with similar interests and challenges. Please check the full conference schedule for additional details.

Special Interest Group breakouts will include: • Mass Merchant• eCommerce • Petroleum/Convenience• Small Ticket/Restaurant

Wi-Fi Access Code – MAG2015Conference attendees can enjoy internet access in the meeting space throughout the duration of the MAG Conference.

• Select InterContinental Dallas Meetings from the list of available wireless connections

• Launch Web Browser• When redirected follow instructions and input MAG2015

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Table of ContentsE L I T E A C Q U I R E R S P O N S O R S

E L I T E B R A N D S P O N S O R S

P R E M I E R S P O N S O R S

G O L D S P O N S O R S

S I LV E R S P O N S O R S

THANK YOU SPONSORS!

Accel Acculynk

ACI WorldwideAcquirer Systems

AJB SoftwareAURFY

B2 Payment SolutionsBalance Innovations

BlueFin Payment Systems

Buy it Mobility Networks (BIM)

CU24Emailage

FEXCO Merchant Services

FIS / NYCE Payments Network

ICC SolutionsJeanie

LoopPay, Inc.MagTek, Inc.

Mobile Authentication Corporation

MShift

NYCEPaydiant

Planet PaymentPULSE

SEQR PaymentsSTAR Network

TellermateW. Capra Consulting

Group

4 | MAG 2015 Mid Year Conference | Conference Program www.merchantadvisorygroup.org | 5

MAG Anti-Trust Statement

TUESDAY, FEBRUARY 1710:00 a.m. Registration OpensBel-Air Foyer

12:00–1:00 p.m. Networking Lunch – All attendees are invited Garden Court Ballroom III

1:00–2:30 p.m. Optional Education Session – Digital E-Commerce: Malachite Ballroom Leveraging Digital Technologies for Better Customer Engagement and Lower Payment Costs Presenter: Rene Pelegero (President & Managing Director, Retail Payments Global Consulting Group)

This education session will discuss the evolution of digital technologies being used in commerce, from the introduction of catalog sales in the past, to the explosion of the Internet as a sales channel, to today’s geo-position tools, wearable forms of payment, and “beacons” that tell you exactly where your customer is so she can be served better. The session will cover how these technologies have or have not changed the consumer payment interaction and the economics of payments. The session will also review recent mobile payment trends and new product introductions such as Apple Pay, MCX’s CurrentCTM , and how these new tools may change the payments landscape.

2:30–3:00 p.m. Networking Break Garden Court Foyer Sponsored by

3:00–5:00 p.m. Optional Education Session- Data Security (Cyber): Malachite Ballroom Companywide Business Impact Presenter: John Mullen (Managing Partner, Philadelphia Region/Chair, US Data Privacy & Network Security, Lewis Brisbois Bisgaard & Smith LLP), James Prendergast (Partner, US Data Privacy & Network Security, Lewis Brisbois Bisgaard & Smith LLP ), and Bill Hardin (Managing Director, Navigant)

John Mullen, Jim Prendergast and Bill Hardin will discuss the emerging data privacy risks, prevention and crisis management.

5:30–6:30 p.m. Networking Social Garden Court Foyer

6:30–8:00 p.m. Networking Dinner Garden Court Ballroom III

WEDNESDAY, FEBRUARY 18–GENERAL SESSION–

7:00 a.m. Registration Bel-Air Foyer

7:00–8:00 a.m. Networking Breakfast Garden Court Ballroom III

For the benefit of all members, it is appropriate to state the conditions under which meetings are held.

In no event shall the group participate in or give consideration to any activity, plan, understanding, or arrangement of any type or character which would restrict or interfere in any manner with the exercise of free and independent judgment by the members in the management and operation of their respective businesses. Nothing contained in the bylaws shall authorize or empower the group to perform or engage in any acts or practices prohibited by law, in particular, the applicable federal and state antitrust laws.

It should be noted that this provision applies to all discussions, both those within our formal meeting sessions and any private discussions among members outside these meeting discussions.

Our meeting discussions are for the benefit of members and are intended for the education of members. We hope that the tradition of free and open discussion will always be maintained by the members. It should, however, be remembered that certain areas must be avoided in our discussions.

• Obviously, we may not discuss prices – past, present, or future. Also we may not discuss credit, commercial terms or conditions of sale.

• We must not discuss past transactions. In addition, future plans, policies, or terms which may be under consideration should not be discussed.

• Our discussion of policies, practices and business conditions must be general in nature. Discussions of a particular company should be avoided.

• No agreements or understanding of any type may be made or discussed as to specific terms and policies for specific customers, merchants, a company or group of companies, or to the industry as a whole.

In attendance during the Conference will be a third party, non-member to monitor for any violation of the applicable federal and state antitrust laws.

Program Agenda


8:00–8:10 a.m. Welcome Malachite Ballroom Mark Horwedel (CEO, Merchant Advisory Group)

8:10–8:50 a.m. Keynote Address: Impact of Disruptive Technology and the Malachite Ballroom People Revolution on Payments Presenter: Andrew Tarver (Founder, BOLDROCKET)

Andrew Tarver, Founder of BOLDROCKET, will address the new consumer needs, driven by the people revolution, disruptive technologies driving change, and exponential thinking - gaining the 10x experience, not 10%.

8:50–9:50 a.m. The Future of Payments-Evolution or RevolutionMalachite Ballroom Moderator: John MacAllister (Principal, Dorado Industries) Panelists: Tony Galippi (Co-Founder and Executive Chairman, BitPay, Inc.), Will Graylin (CEO, LoopPay Inc.), Trey Franklin (Strategic Business Development, Chase Paymentech), and Jim Hanisch (Executive Vice President Network Operations & Corporate Development, CO-OP Financial Services)

Panelists will discuss the future of payments and whether the coming years will be evolutionary or revolutionary.

9:50–10:20 a.m. ACH: Supporting Versatile Payments and Information Malachite Ballroom Presenter: Jan Estep (CEO, NACHA)

Today, providing choice and convenience is key to success in any industry. The ACH Network is the most versatile payment system in the US, a platform for innovation used by organizations of all sizes and types to support a wide variety of payments. ACH continues to change in many ways as technology and user needs evolve. NACHA has recently issued an industry Request for Comment to move payments and information faster on the ACH Network, offering an option to efficiently speed up payments. This session will help you understand why Same Day ACH is an essential part of moving payments faster and a building block for innovation.

10:20–11:00 a.m. Networking Break Garden Court Foyer Sponsored by:

11:00 a.m.–12:00 p.m. What Merchants Want From Their Processors Malachite Ballroom Moderator: Liz Garner (Vice President, MAG) Panelists: Kelly Andrus (Manager, Merchant Acquiring, Tesoro), Tim Patterson (General Manager of Payment Card and Retail Services, Alon Brands, Inc.), Kristy Cook (Group Manager, Bankcard Strategic Projects, Target), Robert Goldberg (Finance Manager, The Walt Disney Company), Katie Scholl (Sr Manager, Payment Strategy, Giant Eagle), and Randy Gibbons ( Manager Payment Strategy, Southwest Airlines)

A panel of merchants will discuss their current priorities when choosing a processor.

12:00–1:00 p.m. Networking Lunch Garden Court Ballroom III

1:00–1:50 p.m. To NFC or Not NFCMalachite Ballroom Moderator: Dee O’Malley (Sr. Director, Financial Services, Best Buy) Panelists: Barry Hanen (Payment and Card Services, Walgreens), Kathy Hanna (Director, Enterprise Payments & Store Support, The Kroger Company), Malcolm Nunes (Senior Manager, The Home Depot), Wade Williams (Sr. Business Analyst Retail Payments Team, Whole Foods Market Services), and Lee Jurgens (Director, Sales and Tender Audit, Ralph Lauren)

Merchants will discuss if the time for NFC is now or if they still remain unconvinced.

1:50–2:30 p.m. 2015 is the Year of Mobile Payments Malachite Ballroom Presenter: Dekkers Davidson (CEO, MCX)

Dekkers will provide insight into the current state of mobile payments, with an emphasis on how this affects merchants across industries and throughout the country. Because MCX has partnerships with several of the country’s most ubiquitous and well-known merchants, Dekkers can offer a unique perspective on how today’s growing consumer demand impacts merchants – and how they can benefit from embracing mobile payments options.

2:30–3:00 p.m. Networking Break Garden Court Foyer

3:00–4:00 p.m. Tokenization-The Newest Payment Buzzword Malachite Ballroom Moderator: Rene Pelegero (President & Managing Director, Retail Payments Global Consulting Group) Panelists: Patty Walters (Senior Vice President Corporate EMV Strategy, Vantiv), Terry Dooley (Senior Vice President and Chief Information Officer, Shazam), Ruston Miles (Chief of Product Innovation, Bluefin Payment Systems), James Anderson (Senior Vice President, Emerging Payments, MasterCard), and Paul Kleinschnitz (SVP, GM Global Cyber Security Solutions, First Data)

Panelists will survey the tokenization landscape, highlighting the various forms as well as the controversy surrounding tokenization.

Program Agenda


4:00–4:30 p.m. Strategies for Improving the U.S. Payment SystemMalachite Ballroom Presenter: Sean Rodriguez (Senior Vice President, Industry Relations, Federal Reserve System)

Payment systems around the world are evolving at a rapid pace due to innovations in information technology, changes in end user expectations, complex payments security challenges and increasing complexity in the payments ecosystem with participation of banks, service providers, network operators and nonbank innovators. Recognizing these shifts in the payments landscape, the Federal Reserve has conducted extensive stakeholder input gathering and research on the need for a ubiquitous, faster payments capability, enhancements to payment system security, improvements to international payments clearing and greater efficiency in business and consumer payments. Join Sean Rodriguez, Senior Vice President of Industry Relations for the Federal Reserve System, to discuss strategies for addressing these needs and next steps for working together to create the U.S. payment system of the future.

4:30–5:00 p.m. Apple Pay BriefingMalachite Ballroom Presenter: Jennifer Bailey (Vice President, Apple Pay) 5:30–6:30 p.m. Networking Social Hour Garden Court Foyer Sponsored by:

6:30–8:00 p.m. Networking DinnerGarden Court Ballroom

7:00–10:00 p.m. Networking Social & Entertainment: Garden Court Ballroom Hale Baskin Orchestra Sponsored by

Program AgendaTHURSDAY, FEBRUARY 197:00–8:00 a.m. Networking BreakfastGarden Court Ballroom III

—MERCHANT ONLY SESSIONS—

8:00–8:05 a.m. Welcome Malachite Ballroom Mark Horwedel (CEO, Merchant Advisory Group)

8:05–8:30 a.m. The Battle Over Customer Data Malachite Ballroom Merchants will discuss their concerns as well as the card networks’ efforts to gain access to data and how they might use it.

8:30–9:30 a.m. What’s Happening on the Hill?Malachite Ballroom Presenters: Mallory Duncan (Senior Vice President & General Council, National Retail Federation ) and Doug Kantor (Partner, Steptoe & Johnson LLP)

Merchant Payment Coalition spokesperson Mallory Duncan and legal counsel Doug Kantor will provide updates on events in DC.

9:30–10:00 a.m. Networking BreakGarden Court Foyer

10:00–11:30 a.m. Merchant Only Round Table Discussions (SIG)

Mayfair Mass MerchantBel-Air Ballroom 4 & 5 eCommerceBel-Air Ballroom 1-3 Petroleum/ConvenienceBel-Air Ballroom 6 Small Ticket/Restaurant

11:40 a.m.–12:25 p.m. Open Discussion Malachite Ballroom

12:25–12:30 p.m. Closing RemarksMalachite Ballroom Mark Horwedel (CEO, Merchant Advisory Group)

12:30 p.m. AdjournMalachite Ballroom

12:30 p.m. Optional Box LunchGarden Court Ballroom III


Acquirer SystemsAcquirer Systems is a leading independent software provider of test and certification solutions to the payment card industry. Our solutions enable the testing and certification of high-end issuing and acquiring hosts, back-office systems, payment terminals and EMV chip cards. Customers use our ASTREX software to bring their payment products to market fully functional, on time and within budget. ASTREX is a software based transaction simulation platform which can simulate each and every component in an “end to end” payment card transaction chain. ASTREX fully supports end-to-end EMV processing and the needs of merchant solution development. The ASTREX Desktop application is a specific merchant configuration of the ASTREX Platform, designed to facilitate the development of EMV solutions. ASTREX is also available as a Cloud based solution.

Acquirer Systems is a confirmed Test Tool provider and participant in the U.S. EMV Value Added Reseller (VAR) Qualification Program.

AJBAJB is a leading provider of payment integration software solutions. Twenty percent of North America’s Top 100 retailers and 10 percent of the top global retailers by sales volume, rely on AJB products and services. Founded in 1994, AJB has over 140 global clients, and its software makes it easy to connect the components required for real-time payment processing. AJB enables retailers to quickly comply with new standards and payment types, including mobile, EMV and other emerging forms of payment. In addition, it allows banks and POS vendors to easily integrate their products with retailers, petroleum and convenience stores. AJB simplifies integration with existing systems; solutions are scalable, multi-channel and platform independent. For more information, visit www.ajbsoftware.com

American Express American Express is a global services company, providing customers with access to products, insights and experiences that enrich lives and build business success. Learn more at americanexpress.com and connect with us on facebook.com/americanexpress, foursquare.com/americanexpress, and youtube.com/americanexpress.

B2 Payment SolutionsB2 is considered one of the leading companies providing EMV and contactless solutions and services in the North American market. Our extensive suite of solutions and services enables us to lead our customers into the next generation of smart and secure solutions. By applying our services together with world-class technologies from our strategic partners, B2 delivers innovative and award-winning solutions to our customers. Through our offices in Canada and the USA, B2 serves payment networks, card issuers, acquirers, processors, merchants, vendors and personalization bureaus.

B2 is the exclusive reseller for the Collis suite of payment EMV and contactless test tools for the North America region.

Descriptions have been provided by the sponsoring companies and do not necessarily reflect the views of or endorsement by the Merchant Advisory Group.

Accel® Consumers expect the convenience of making payments and accessing funds wherever, whenever and however they choose. Fiserv enables you to meet that demand with innovative payment solutions, while improving your bottom line. Specifically, the Accel® debit payments network delivers services that help you accelerate payments through real-time enablement, and include traditional ATM and PIN debit point-of-sale, PINless and signature debit, cardless funds access, healthcare card support, e-commerce solutions, EMV and tokenization support, and an infrastructure that supports money transfer transactions. Benefit from access to millions of consumers from thousands of financial institutions throughout the U.S. and Canada.

Acculynk Acculynk secures online transactions with a suite of software-only services backed by a patented authentication and encryption framework that provides greater security for issuers, EFT networks, merchants and payment processors. Acculynk’s PaySecure® utilizes a graphical PIN-pad for the secure entry of a consumer’s PIN online and is available to merchants through existing acquirer relationships, enabling speedy implementation. PaySecure is currently enabled on over 6,000 merchant websites. Acculynk has partnerships with 12 EFT networks to process PaySecure transactions and with six leading payment processors, and is certified with PULSE, First Data and Master Card, among other key industry leaders. Additionally, Acculynk solutions include PayLeap, a gateway and acquiring and card processing services, and Payzur, a debit-based P2P solution. Visit http://www.acculynk.com.

ACI WorldwideACI Worldwide is the leading provider of secure, omni-payment systems to retailers globally. Our Universal Payment (UP) Retailer Payments solution support a variety of in-store, eCommerce and digital channels providing the framework for retailers to create and manage a customer-centric experience that spans from earning new sales through dynamic rewards programs to ensuring optimum customer service with refunds management. ACI’s advanced fraud prevention and payment data security tools reduce risk while protecting the bottom line. ACI powers electronic payments and banking for nearly 5,000 financial institutions, retailers and processors globally. Through our integrated suite of software products and hosted services, we deliver solutions for electronic payments; transaction banking; mobile, branch and voice banking; fraud detection and trade finance. Visit www.aciworldwide.com.

Sponsors


Buy It Mobility Networks (BIM)BIM ties a better consumer experience to a white-label guaranteed ACH tender, increasing loyalty and dramatically reducing transaction costs while keeping the merchant brand front and center at all times. The BIM Payments Platform provides merchants with a low cost, white-labeled ACH payment tender that is guaranteed with next-day settlement. BIM-Powered ACH tenders can be used for e-commerce, mobile and gift card transactions, and is easily integrated into merchant apps, websites, and POS BIM also offers ‘Consumer Connect’ — a merchant-controlled marketing platform that helps merchants and consumers better engage through promotions, loyalty, messaging, and other customized communications. By tying better shopping experiences and incentives to a lower-cost branded payment tender, BIM helps merchants to build customer loyalty and happiness. Learn more at www.bimnetworks.com

Bluefin Payment SystemsBluefin Payment Systems is a leading financial technology provider specializing in secure payment solutions for retailers and ISVs. Bluefin’s proprietary PayConexTM platform powers feature-rich, integrated payments through QuickSwipe mobile POS, PayConex Virtual Terminal, and PayConex P2PE — the first, and to date the only, PCI-validated Solution for point-to-point encryption (P2PE) in North America. PayConex P2PE secures card transactions by encrypting all data within a PCI-approved point of entry device, preventing clear-text cardholder data from being available in the device or the merchant’s system where it could be exposed to malware. Bluefin is a Participating Organization of the PCI SSC. Learn more at www.bluefin.com.

CardinalCommerce Corporation CardinalCommerce is the pioneer and global leader in enabling authenticated payment transactions in the card-not-present industry since 1999. With One Connection to their proprietary cloud-based payment platform, Cardinal enables Consumer Authentication and alternative payment services (including digital wallets and mobile commerce). This SafeCloudTM enables friction-free, technology-neutral authentication across a wide range of applications, and allows expansion into new technologies as they develop, so that merchants can securely accept payments from the entire financial transaction ecosystem, without development on their end.

Visit CardinalCommerce at www.cardinalcommerce.com or email us at [email protected]

Balance Innovations Balance Innovations is the leading provider of reconciliation and cash office management solutions for the retail industry. Our leading-edge, customizable solutions integrate seamlessly with existing POS technologies to simplify and improve retailers’ cash management operations including revenue balancing, check processing, electronic-safe management, self-checkout management and corporate reporting. Balance Innovations’ premier product, VeriBalance, is an innovative, easy-to-use software solution that is helping retailers across the country increase profitability and improve operations by reducing labor, bank fees and shrink. Current customers include companies from independent grocers to Fortune 50 retailers.

Bank of America Merchant Services (BAMS)Bank of America Merchant Services, a joint venture between First Data and Bank of America, provides payment solutions by combining the technology and innovative products of First Data with the relationship strength and prominent global brand of Bank of America. Bank of America Merchant Services delivers payments, commerce, security and advice through more than 100 products and services to merchants of all sizes. In fact, Bank of America Merchant Services is the number one-rated electronic payments processor in the industry with more than 300,000 active merchants processing more than 13.5 billion transactions annually1.

For more information visit: http://www.bankofamerica.com/merchant1 Based on bankcard, other credit and PIN debit sales volume and transactions. Per The Nilson Report, March 2013, Issue1013

BitPayBitPay is the world’s leading payment processor for bitcoin, the digital currency that can be bought on the Internet and traded peer-to-peer. BitPay was founded in 2011 to enable businesses to accept bitcoin with no risk. Bitcoin adoption introduces businesses to a new payment paradigm, one that eliminates processing fees entirely, serves a rapidly growing international network of consumers, and poses no risk of fraud or chargebacks. BitPay has over 35,000 merchants worldwide. Accept bitcoin today. www.bitpay.com

Sponsors


Elavon Elavon is a leading global provider of payment and gateway services to more than 1.3 million customers around the world. Every year, Elavon processes over three billion transactions globally, worth more than $300 billion. Backed by the strength and stability of U.S. Bank, Elavon delivers flexible, secure and innovative solutions while providing value at every point in their customer and partner relationships. Elavon highly regards security and protection. Their solutions lower fraud and improve revenue by utilizing state-of-the art technologies. Their advanced security solutions protect data and mitigate the cost of PCI compliance.

Elavon’s global reach and award-winning international processing platform, best-in-class solutions and knowledgeable teams of local experts, combine to result in the delivery of solutions and services that help companies lower the total cost of accepting payments. Their Strategic Customer Solutions team is uniquely qualified to consult with companies and uncover cost-savings and efficiency opportunities.

EmailageEmailage provides a real time email risk assessment solution that helps merchants, payment processors and financial institutions reduce fraud. By analyzing the email address from their transactions, our clients can identify incremental fraud what drive revenues and protect their business. Our risk assessment solution also provides important positive data from emails what helps speed up manual review processes. Emailage uses advanced machine learning technology with a proprietary patent pending algorithm what has been helping several Fortune 500 companies improve their risk processes. More information can be found at www.emailage.com

FEXCO FEXCO is the leading global independent provider of Dynamic Currency Conversion (DCC) and Multi Currency Pricing (MCP). This innovative treasury and cash management service enables international cardholders the choice to pay for goods and services in their own currency, with full visibility of the actual exchange rate they receive on the day of the transaction. With over 85,000 merchants and 35 acquiring banks using FEXCO DCC, FEXCO is proactively partnered with leading retailers, hotels, duty free and airlines across the world to offer DCC services to their customers. FEXCO is Ireland’s most successful multinational financial and business solutions provider, with operations in 28 countries worldwide. Founded and headquartered in Ireland in 1981, FEXCO employs more than 2,100 people across Europe, the Middle East, Asia, North America, Latin America and Australasia. Visit www.fexcoms.com

Chase PaymentechChase Merchant Services is the global payment processing, merchant acquiring and marketing solutions business of JPMorgan Chase & Co (NYSE: JPM) dedicated to providing compelling integrated solutions that solve challenges and unlock opportunities unique to merchants. Our merchant solutions include ChaseNet, an industry-first, closed-loop payments network for processing Chase-branded Visa cards; ChasePay, a digital wallet that simplifies the checkout experience, comprehensive fraud prevention and data security tools; and data-enabled marketing and loyalty programs. Additionally, our proprietary platforms enable integrated solutions for a wide range of payment types, in 130 currencies, accessible across omni channels including mobile, digital and retail. In 2013 the unit’s payment processing entity, Chase Paymentech, processed 35.6 billion transactions globally valued at $750.1 billion. More information can be found at www.chasepaymentech.com.

AURFYAURFY is an authorized 3rd party payment service provider of UnionPay International. By helping global merchants take payments from UnionPay branded credit cards, AURFY’s payment solution enhances merchants’ reach to the Chinese consumer market both inside of China and at merchants’ home country.

CU24CU24 operates the country’s largest credit union owned ATM and POS network serving more than 500 credit unions and millions of credit union members. CU24 provides access to merchants nationwide, with connectivity to virtually all merchant acquirer processors. As a debit payment network, CU24 operates on the philosophy that both merchants and credit unions serve a common customer – the working class consumer. CU24 offers merchants a highly competitive, clear and transparent interchange rate structure, along with low switch fees to provide a preferred routing option to reach credit union cardholders. For more information visit www.CU24.com.

Discover NetworkDiscover Network, a business unit of Discover, is a comprehensive and secure payments network. Discover Network markets and supports a full range of credit, debit and prepaid cards, including the Discover card. Discover also provides customer-centric tools and programs designed to help issuers, acquirers and merchants drive loyalty, increase transaction volume, and run their business more effectively, with streamlined efficiencies.

Sponsors


ICC SolutionsICC Solutions Limited is a global leader in the provision of EMV test tools and services and offers the complete set of qualified test suites for card brand accreditation of contact and contactless EMV terminals. Our tools are used worldwide enabling development, quality assurance and regression testing in addition to formal merchant certifications. Working with Vantiv, ICC Solutions developed VIABLE – an innovative and highly efficient solution designed to simplify the EMV enablement, testing and validation process. VIABLE places merchants in full control of their EMV certification activities. For more information visit www.iccsolutions.com or email [email protected]

JeanieJeanie was the first online-shared ATM network in the United States, hosting its first live customer transaction in 1977. Jeanie has consistently been recognized as a network innovator and is one of the only networks that remains under its original ownership.

LoopPay, Inc.Loop™ simplifies commerce, it is the only Mobile App that lets you securely store and organize all your plastic cards (payment, gift, loyalty, etc.), for use at 90% of retailers, with the devices you want (smartphones, smart watches, cases, fobs, chargers, etc.). The Loop App provides timely data (card balance, available credit, reward points, etc.) and compelling deals from your favorite merchants and card issuers similar to the Starbucks app, without the merchant having to invest millions in infrastructure. Loop simplifies your life by allowing you to securely organize and use the cards in your wallet and on your keychain.

MagTekSince 1972, MagTek® has been a leading manufacturer of electronic devices and systems for the reliable issuance, reading, transmission and security of cards, checks, PINs and other identification documents. Leading with innovation and engineering excellence, MagTek is known for quality and dependability. Its products include secure card reader authenticators, check scanners, PIN pads and distributed credential issuing systems. These products are used worldwide by financial institutions, retailers, hotels, law enforcement agencies and other organizations to provide secure and efficient electronic payment and identification transactions.

MasterCardMasterCard (NYSE: MA), www.mastercard.com, is a technology company in the global payments industry. We operate the world’s fastest payments processing network, connecting consumers, financial institutions, merchants, governments and businesses in more than 210 countries and territories. MasterCard’s products and solutions make everyday commerce activities — such as shopping, traveling, running a business and managing finances — easier, more secure and more efficient for everyone. Follow us on Twitter @MasterCardNews, join the discussion on the Cashless Pioneers Blog and subscribe for the latest news on the Engagement Bureau.

First Data First Data is a global technology leader in the financial services industry. With 24,000 employee-owners and operations in 35 countries, the company provides secure and innovative payment technology and services to more than six million merchants and financial institutions around the world, from small businesses to the world’s largest corporations. Today, businesses in nearly 70 countries trust First Data to secure and process more than 2,000 financial transactions per second, totaling $1.8 trillion a year. First Data’s unparalleled infrastructure and partnerships go “beyond the transaction” with next-generation point-of-sale technology fueled by powerful analytics to detect fraud, gain insights into consumer spending, and strengthen customer loyalty. All day, every day, First Data helps its clients thrive in the evolving world of commerce.

FIS / NYCE Payments NetworkAs the world’s number one technology provider to the financial industry, FIS offers local sensibility on a global scale. Every FIS solution – core banking, payments processing, merchant services, consultative services and more – supports strategic partnerships with more than 14,000 financial institutions and 100,000 merchants in over 130 countries. NYCE Payments Network, an FIS subsidiary, is one of America’s leading electronic payments companies. Beginning as a shared ATM network in 1985, NYCE now covers all 50 states, connects more than 95 million cards, 400,000 ATMs, two million POS locations and 1,500 direct billers in the U.S., and over 500,000 ATMs worldwide.

Heartland Payment SystemsHeartland Payment Systems, Inc. (NYSE: HPY), the fifth largest payments processor in the United States, brings secure payment processing, hospitality, payroll, loyalty and mobile solutions to more than 300,000 business and educational locations nationwide—including 55,000 restaurants. A FORTUNE 1000 company and endorsed by the National Restaurant Association, Heartland is the founding supporter of The Merchant Bill of Rights, a public advocacy initiative that educates merchants about fair credit and debit card processing practices. Heartland also established The Sales Professional Bill of Rights to advocate for the rights of sales professionals everywhere. Discover at HeartlandPaymentSystems.com how fair and transparent pricing, our commitment to one-call customer service resolution, our leading advocacy on behalf of customers and trusted customer relationships can define your Heartland experience. Follow the company on Twitter @HeartlandHPY and Facebook at facebook.com/HeartlandHPY

Sponsors


Planet PaymentPlanet Payment is a leading provider of international payment and transaction processing and multi-currency processing services. Providing services in more than 20 countries and territories across the Asia Pacific region, North America, South America, the Middle East, Africa and Europe, Planet Payment’s point-of-sale and e-commerce services help merchants sell more goods and services to consumers. Integrated within the payment card transaction flow, Planet Payment’s ATM and payment services enable acquiring customers, their merchants and consumers to shop, pay, transact and reconcile payment transactions in multiple currencies, geographies and channels. Visit www.planetpayment.com for more information.

PULSE PULSE, a Discover Financial Services company, is a leading debit/ATM network. For more than 30 years, our growth has been driven by the superior value we deliver to our network participants. We offer a complete range of debit products and focus on providing unsurpassed customer support, serving more than 6,100 financial institutions across the U.S. This includes 4,100 issuers with which we have direct relationships and more than 2,000 additional issuers through agreements with other debit networks. PULSE links cardholders with POS terminals and ATMs nationwide. We also are a source of electronic payments research and provide education on emerging products, services and trends in the payments industry.

SEQR PaymentsNow launching in the US, SEQR powered by Seamless’ proven payment technology. SEQR (se•cure) is Europe’s most-used mobile payment solution allowing consumers with a quick scan of a SEQR QR code, to use their mobile phones to handle their everyday purchases in stores or online. The SEQR app enables anybody with a smartphone to pay in stores, at restaurants, parking lots, online and in-app. SEQR also enables merchants to significantly lower the interchange fees charged by traditional card companies. In 2013, SEQR received the award for Best Mobile Money Deployment in Europe. For more information visit www.seqr.com

SHAZAM The SHAZAM Network was founded in 1976 and is one of the last remaining member-owned and -controlled electronic funds transfer (EFT) networks and processors in the industry. SHAZAM provides innovative EFT services to community financial institutions throughout the United States. SHAZAM is a single-source provider of the following services: core, risk management, card, ATM, marketing, merchant, mobile, and automated clearing house (ACH). To learn more, visit shazam.net.

MCX Merchant Customer Exchange (MCX) was founded in 2012 by many of the nation’s leading merchants to ensure that the coming shift to mobile commerce improves the shopping and buying experience for customers and merchants alike. Backed by more than 20% of the National Retail Federation’s Top 100 merchants by revenue, MCX’s members include leaders in the big-box, convenience, drug, fuel, grocery, quick- and full-service dining, specialty-retail, and travel categories. These companies, which collectively operate more than 100,000 locations and process $1 trillion in payments annually, are committed to offering consumers a customer-focused, versatile and seamlessly integrated mobile-commerce platform.

Mobile Authentication CorporationMobile Authentication Corp. is the Owner of the Exclusive Patent Rights for the US Financial Services Industry to US Patent #6,993,658 “The Use of Personal Communication Devices for User Authentication” used for SMS Out-of-Band, One-Time Password (OTP) generation to secure Retail Payments and Online Banking on the Internet, on Mobile Wallets, and at the Physical Point-of-Contact. Product offering includes:

• DynaPass™ – Supporting User Authentication for online access.

• DynaPay™ – Supporting credit, debit and prepaid card Payment Transaction Verification.

• OTP Registration Authority – Supporting End User Enrollment for ubiquitous availability of OTPs.

• AdPass™ – Call-to-action, targeted Electronic Advertisement delivered with OTPs.

MShift MShift has been empowering financial institutions with mobile banking and payment solutions for 12 years. Our latest product, AnyWhereMobile (AWM), is a mobile payment and wallet solution that is issued to consumers through community banks and credit unions. Through innovation, the patented AWM can reduce debit and credit interchange fees charged to merchants by 50% while maintaining net interchange income for issuers.

AWM provides a feature rich API that can be seamlessly integrated into a merchant’s mobile app and point-of-sale to provide mobile payments, coupons, loyalty, and rewards.

PaydiantPaydiant provides a white label mobile wallet platform that includes mobile payments, loyalty, offers, ATM cash access and related commerce services. The patented, cloud-based platform enables merchants, banks and partners to quickly integrate a secure mobile wallet solution under their own brands, in their own apps — while controlling the customer experience and valuable transaction data. The software-only approach supports existing smartphones and point-of-sale (POS) hardware, and utilizes a highly secure and scalable solution that easily adapts to evolving technological standards.

Sponsors


UPI (UnionPay International)UnionPay International (UPI) is a subsidiary of China UnionPay focused on the growth and support of UnionPay’s global business. In partnership with more than 300 institutions worldwide, UnionPay International has enabled card acceptance in 148 countries and regions outside the Chinese mainland with issuance in more than 30 countries and regions. UnionPay International provides high quality, cost effective and secure cross-border payment services to the world’s largest cardholder base and ensures convenient local services to a growing number of global UnionPay cardholders and merchants.

VantivVantiv, Inc. (NYSE: VNTV) offers a comprehensive suite of traditional and innovative payment processing and technology solutions to merchants and financial institutions of all sizes in the U.S., enabling them to address their payment processing needs through a single provider. We build strong relationships with our customers, helping them become more efficient, more secure and more successful.

VisaVisa provides convenient, reliable, secure and innovative payment options that help merchants build their businesses. By accepting Visa, merchants benefit from guaranteed payment, fast transactions, fraud protection, simplified accounting and the potential for increased customer satisfaction and sales. Visa works constantly to understand merchants’ evolving needs and to deliver solutions that help them better serve their customers and grow.

W. Capra Consulting GroupThe W. Capra Consulting Group is a professional services organization focused on identifying and implementing strategic solutions for retail businesses. We have broad and deep knowledge of retail technology, all things payments, and retail head office systems and processes. As the definition and delivery of commerce evolves, W. Capra’s team of retail and e-commerce consultants are providing industry-leading retailers the knowledge and skills to define and implement consumer engagement strategies. Areas of focus include: POS, Mobile Wallet, Back Office, PCI, EMV, DLP, Payment Infrastructures, and Loyalty.

WorldPayWorldPay is a leading, single-source provider of electronic payment processing services. WorldPay brings expertise and resources to securely process millions of transactions every day. Processing payments for more than 500,000 businesses, we manage the entire processing experience in-house – transaction authorization, settlement of funds and customer service. A single-source provider, with direct connections to all major card networks, WorldPay provides value pricing, and delivers reliable service to the counter, the pump…to the point of sale. Certified on most POS systems, WorldPay delivers a range of payment options - including credit, PIN-secured debit, checks, gift cards and more.

STAR® Network The STAR® Network enables consumers to use their ATM / debit cards to obtain cash and make purchases quickly and securely throughout the United States. With a singular focus on real-time debit payment processing for more than 25 years, STAR is committed to driving increased reliability, security, cardholder convenience, and choice wherever and whenever consumers demand access to their money. STAR puts its debit expertise and industry knowledge to use for its clients — which include financial institutions, retailers, processors and billers — delivering innovative services as well as market insights that help them increase the value they derive from their debit programs. For more information, visit www.star.com. The STAR Network is an integral part of the payment services offered by global electronic commerce leader First Data Corporation.

TD Merchant ServicesHeadquartered in Toronto, Canada, with more than 85,000 employees in offices around the world, The Toronto-Dominion Bank and its subsidiaries are collectively known as TD Bank Group. TD Merchant Services (TDMS), part of the TD Bank Group (TD), is a payment solutions provider in both Canada and the United States. TDMS has been established and trusted in the payment solutions industry for over 40 years offering a variety of point-of-sale solutions and value added services to businesses across North America. TDMS is regarded as an industry leader through working with merchants to introduce new and innovative technology to the payments landscape; most recently EMV capabilities. We continue to strive to develop and build a high performing North American team to service merchants on both sides of the border.

Tellermate Businesses around the world rely on Tellermate. They trust us to help them count cash accurately and quickly, cut losses from their tills and give them precise cash reporting.

Recognizing every business will face different problems and demand different solutions, Tellermate is equipped to provide complete cash management solutions to meet all your needs with our newly extended range of innovative products. We combine products, tools and support in a way that makes your cash management faster, more reliable and more informative. Find out more about Tellermate and our range of cash counting products at www.tellermate.com

Underwriters Laboratories (UL)UL is one of the most recognized and trusted resources for advancing safety. Its Transaction Security division guides companies within the mobile, payments and transit domains through the complex world of electronic transactions. UL is the global leader in ensuring security, compliance and global interoperability. Offering advice, test and certification services, security evaluations and test tools, during the implementation of new technologies, such as EMV, HCE, biometrics and more. UL’s people pro-actively collaborate with industry players to define robust standards and policies. Bringing global expertise to your local needs. UL has accreditations from leading industry bodies globally.

Sponsors


How to Reach the Merchant Advisory Group

For general information including membership, events, exhibits and sponsorship opportunities, contact:

MAG Headquarters 4248 Park Glen RoadMinneapolis, Minnesota 55416-4758p: (952) 928-4648e: [email protected] [email protected] Michelle.Herr@ merchantadvisorygroup.org [email protected]

For questions about MAG leadership and media partnerships, contact:

Mark HorwedelCEO, Merchant Advisory Group22 Wandsworth Drive, Bella Vista, AK 72715p: (479) 696-9347e: [email protected]

or

Liz Garner Vice President, Merchant Advisory Groupp: (202) 286-6841e: [email protected]

To keep in touch with the MAG for the latest news on the payments industry, visit:

www.merchantadvisorygroup.org

stay connected

2015 Board of Directors Chair Lee Jurgens (Ralph Lauren)

Vice Chair John Drechny (Walmart)

SecretaryAlok Mathur (Hughes Network Systems, LLC)

Treasurer Chris Priebe (Southwest Airlines)

Past Chair Dee O’Malley (Best Buy)

Member Director Maureen Elworthy (Ahold)

Member Director Tim Patterson (Alon Brands)

Member Director Dean Sheaffer (Boscov’s Department Store LLC)

Member Director Kristy Cook (Target Stores)

Member Director Gavin Waugh (The Wendy’s Company)

Member Director Troy Carrothers (Kohl’s Department Stores, Inc.)

StaffCEO Mark Horwedel

Vice President Liz Garner

Executive Director Amy Sellheim

Manager of Member Services Kari Hartley

Administrative Assistant Karen Kielmeyer

Staff Michelle Herr

merchant advisory group


TUESDAY, FEBRUARY 1710:00 a.m. Registration Open Bel-Air Foyer

12:00–1:00 p.m. Networking Lunch – All attendees are invited Garden Court Ballroom III

1:00–2:30 p.m. Optional Education SessionDigital E-Commerce: Leveraging Digital Technologies for Better Customer Engagement and Lower Payment Costs Malachite Ballroom

2:30–3:00 p.m. Networking Break Garden Court FoyerSponsored by Vantiv

3:00–5:00 p.m. Optional Education SessionData Security (Cyber): Companywide Business Impact Malachite Ballroom

5:30–6:30 p.m. Networking Social Garden Court Foyer

6:30–8:00 p.m. Networking Dinner Garden Court Ballroom III

WEDNESDAY, FEBRUARY 18—GENERAL SESSION—

7:00 a.m. Registration Bel-Air Foyer

7:00–8:00 a.m. Networking BreakfastGarden Court Ballroom III

8:00–8:10 a.m. Welcome: Mark Horwedel(CEO, Merchant Advisory Group)Malachite Ballroom

8:10–8:50 a.m. Keynote Address: Impact of Disruptive Technology and the People Revolution on PaymentsMalachite Ballroom

8:50–9:50 a.m.The Future of Payments – Evolution or RevolutionMalachite Ballroom

9:50–10:20 a.m.ACH: Supporting Versatile Payments and Information Malachite Ballroom

10:20–11:00 a.m.Networking BreakGarden Court FoyerSponsored by Discover

11:00 a.m.–12:00 p.m.What Merchants Want From Their ProcessorsMalachite Ballroom

12:00–1:00p.m.Networking Lunch Garden Court Ballroom III

1:00–1:50 p.m.To NFC or Not NFCMalachite Ballroom

1:50–2:30 p.m.2015 is the Year of Mobile PaymentsMalachite Ballroom

2:30–3:00 p.m.Networking Break Garden Court Foyer

3:00–4:00 p.m. Tokenization – the Newest Payment Buzzword Malachite Ballroom

4:00–4:30 p.m. Strategies for Improving the U.S. Payment SystemMalachite Ballroom

4:30–5:00 p.m. Apple Pay BriefingMalachite Ballroom

5:30–6:30 p.m. Networking Social HourGarden Court FoyerSponsored by Chase Paymentech

6:30–8:00 p.m. Networking DinnerGarden Court Ballroom

7:00–10:00 p.m. Networking Social & EntertainmentHale Baskin OrchestraGarden Court BallroomSponsored by Bank of America Merchant Services

THURSDAY, FEBRUARY 197:00–8:00 a.m.Networking BreakfastGarden Court Ballroom III

—MERCHANT ONLY SESSION—

8:00–8:05 a.m.Welcome Malachite Ballroom

8:05–8:30 a.m.The Battle Over Customer Data Malachite Ballroom

8:30–9:30 a.m.What’s Happening on the Hill? Malachite Ballroom

9:30–10:00 a.m.Networking Break Garden Court Foyer

10:00–11:30 a.m.Merchant Only Round Table Discussions (SIG)Mass Merchant MayfaireCommerce Bel-Air 4 & 5Petroleum/Convenience Bel-Air 1-3Small Ticket/Restaurant Bel-Air 6

11:40 a.m.–12:25 p.m.Open Discussion Malachite Ballroom

12:25–12:30 p.m. Closing RemarksMalachite Ballroom

12:30 p.m. AdjournMalachite Ballroom

12:30 p.m. Optional Box LunchGarden Court Ballroom III

Schedule-at-a-glance

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CONFERENCE PROGRAM...B2 Payment Solutions Balance Innovations BlueFin Payment Systems Buy it...

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