On Twitter:

Proud to be working with Google --> "Google closes Checkout, pushing thousands of merchants to Braintree" pandodaily.com/2013/05/20/goo…

— William Ready (@williamready) May 20, 2013

On the web:

• Square will challenge PayPal with its own peer-to-peer cash service - GigaOm - "We reached out to Square to get more details on the mysterious service, but the company isn’t revealing any more details for now."
• Google closes Checkout, pushing thousands of merchants into Braintree’s arms - PandoDaily - "For customers without their own way to process payments in-house, Google has partnered with Braintree, Shopify, and Freshbooks to offer discounted migration programs."
• Email Money to Friends With Square Cash (But Only if You Work For Twitter, Pinterest or Box) - AllThingsD - "Ultimately, this could be a faster way of getting more people to link up their checking accounts to Square’s service…"
• Bitcoin 2013 in review - CoinDesk - "The more than 1,000 Bitcoin enthusiasts who converged on San Jose were an impassioned bunch — some fired with the excitement of getting in on something big the ground floor…"
• ATM Cash-Outs: A Major Escalation - Portals and Rails - "This highly sophisticated and coordinated attack is a game changer for the security controls of all types of card management applications." Google I/O payment announcements: is a revolution with no insurgency possible? - TekFin (Yann Ranchere) - "The more interesting announcement was in my view Google Instant Buy…"
• How Amazon's Rising Headwaters Could Threaten Google - ReadWrite - "I’m convinced the day will come — sooner rather than later — when Amazon unleashes its data and announces itself as an advertising powerhouse."
• Google takes lessons from PayPal, Apple’s Passbook to drive mobile wallet adoption - Mobile Commerce Daily - "Google Wallet Objects is similar to Apple’s Passbook in that it enables developers to integrate their loyalty programs and offers into Google Wallet…"
• Apple retail revenues per visitor reach new record - Asymco - "In the US, on a sales per square foot basis, Apple retail continues to perform twice as well as Tiffany & Co…"
• NFC mobile payments – fixing the big issues - Mobile News - "The widespread introduction of NFC-based mobile payments could be delayed for years as retailers, operators and finance firms continue to disagree on how best to implement the system and the logistics of making payments."
• Mobile Payment Startup Payvia Buys Mogreet To Add Messaging-Based Marketing To Its Payment Platform - TechCrunch - "Payvia says that it has the largest direct carrier connected messaging and mobile payments platform in the U.S..."
• GrubHub to Merge With Seamless as Food Orders Go Mobile - Bloomberg - "Food-delivery sites and mobile applications are gaining in popularity as more people order their meals online..."
• Harnessing the Remittance Boom - "Adding up the cost of the transfer, travel, and time, remittances are far too expensive for people living in poverty."

On the wires:

• Intuit Realigns Organization to Accelerate Growth - "The new structure comes as the company increases its focus on two strategic outcomes: being the world’s small business operating system, and providing winning solutions to do the nations’ taxes in the U.S. and Canada."
• Tabbedout Now Offers Google Wallet as a Payment Option - "For a limited time, when a user pays with Google Wallet in the Tabbedout app, they'll get $7 off their next tab."
• Huntington Bank Introduces Commercial Card Featuring Payables Automation and Monthly Rebates
• NCR and LevelUp to Take Mobile Payments to More Restaurants - "NCR understands what it takes to help restaurants keep pace with technology, and by integrating LevelUp, we are helping them get the great tools they need to run their businesses better."
• PayAnywhere Launches Phase Two of Aggressive Retail Channel Rollout - "The partnership takes the PayAnywhere mobile point of sale (mPOS) solution beyond the big box retailers the company announced partnerships with in 2012…"
• CorFire™ and OLO Partner on Integrated Mobile Commerce Solution for Restaurants - "Instead of requiring separate mobile apps for mobile payment and mobile ordering, this integration will provide brands with a one-stop shop for all forms of mobile customer engagement through the industry’s proven, best-of-breed providers."

Over on PaymentsViews.com, Glenbrook's George Peabody examines the recent attacks on two prepaid card processors which led to $45 million of cash being withdrawn from ATMs around the world over a very short period of time.

On the web:

• Possible Fed Successor Has Admirers and Foes - NY Times - A look at Janet L. Yellen, Vice Chair of the Federal Reserve, by Binyamin Appelbaum.
• Federal Judge Threatens to Hold Merchant Trade Groups in Contempt Over Swipe-Fee Websites - WSJ - Judge John Gleeson is irritated about the website: http://merchantsobject.com/
• The Future of Mobile Payments: How to Make Sure You’re Ready
• PW Interview: Amber Feng, Stripe API, The Payment Web - Programmable Web - "Before Stripe, online payments mainly consisted of decades-old banking infrastructure grafted onto the web, resulting in an exceedingly complex process for businesses and a cumbersome experience for their customers..."
• Tesco: NFC payments are too complex and offer too few benefits - NFC World - "NFC was revolutionary 10 years ago but I think it just might have passed its sell-by date…"
• The Redesigned US$100 Note - coming October 8, 2013
• NACHA Positions the ACH Network To Be a P2P Payments Player - Digital Transactions - "...NACHA last August submitted an ACH P2P payments proposal for for comment last August and gave it final approval March 7."
• NACHA PAYMENTS 2013: Highlights from Day One and NACHA PAYMENTS 2013: Day Two Highlights - GXS' All About B2B Blog - Patty Hines
• 2013 Advanced Payments Report - Edgar Dunn - "The Advanced Payments Report 2013 … is based on a review of the global payments landscape, surveys of payments industry stakeholder opinion…"
• Total System Services Management Discusses Q1 2013 Results - Earnings Call Transcript - "…on the issuing side of our business, we kicked off what I would describe as our most significant business and technology initiative since, really, the launch of TS2."
• American Express streamlines expense tracking via mobile app - Mobile Commerce Daily - "The ReceiptMatch program is being rolled out for American Express Open business card users…"
• Prepaid Popularity on the Rise - The Members Group Blog - "The American Bankers Association study also found that more than 50 percent of U.S. FIs currently offer, or plan to offer, prepaid or reloadable debit cards."
• Visa Survey: Prom Spending Surges 33% Nationwide - "Prom season spending is spiraling out of control as teens continuously try to one-up each other…"

On the wires:

• Tabbedout Launches Powerful Merchant Marketing Tool 'Periscope' - "Periscope gives merchants the ability to monitor customer use of Tabbedout, review their customer's purchase history, collect and respond to guest reviews and create mobile marketing campaigns…"
• CPI Card Group Expands EMV Card Manufacturing Capabilities to Support EMV Migration in the U.S. - "The migration to EMV in the U.S. is unprecedented in terms of size and scale."
• Consult Hyperion joins Open Identity Exchange - "OIX is a non-profit trade organization driving the adoption of new and existing online identity products and services through the development of trust frameworks and listing services."
• FactorTrust Launches Underbanked Index - "Every three months, the Underbanked Index will provide a range of data points including demographic, loan behavior, seasonal effects and others, to help shed light on underbanked consumers."
• Too Busy to Save Money: Research at Stanford Graduate School of Business Examines Why Consumers Pass Up Store Discounts - "Seiler's look at individuals' purchases over time likewise suggests they're trying to minimize search costs."
• PULSE and fisoc Announce Agreement to Provide Buzz Points Rewards Program to Financial Institutions - “In this digital age, our solution enables PULSE to offer its financial institution participants a fully turn-key rewards program. This will provide a distinct advantage to PULSE in the highly competitive debit industry.” (See: Buzz Points)
• NCR Introduces Anti-Skimming Technology to Help Banks Increase Consumer Trust and Reduce Costs - “There were approximately 20,000 skimming incidents in the United States last year. The average cost per incident approached $50,000 and skimming costs across a U.S. bank’s entire ATM network is equivalent to about $2,500 per ATM each year."

The US Government Accountability Office has released a new report on ATM fees in the US titled "Some Consumer Fees Have Increased."

GAO estimates that the prevalence and amount of ATM surcharge fees charged by financial institutions have increased since 2007, and that the estimated average surcharge fee for financial institutions that charged a fee increased from $1.75 in 2007 to $2.10 in 2012, in 2012 dollars.

On the web:

• BillPin Acquires Obopay’s BillMonk Bill-Splitting Service - TechCrunch
• Silicon Valley Start-ups Criticize State Money Transmission Law - latimes.com
• Flipkart.com Teams With CyberSource on International Card Transactions (India) - Livemint
• Italian Square Clone 'Jusp' Secures $6M To Go Europe-Wide - TechCrunch
• Ukash to Enable eCommerce Returns Through Cash Withdrawal Service - Internet Retailing
• Another Bitcoin Wallet Service, Instawallet, Suffers Attack, Shuts Down Until Further Notice - TechCrunch

On the wires:

• Bank of America Adds Human Touch to New ATMs
• Calpian’s Emerging Market Mobile Payments Solution Usage Metrics
• MokiMobility Teams-up with Revel Systems to Provide iPad POS Solution to Meet PCI Guidelines

On the web:

• Payments Startup 'Balanced' Closes $3.4 Million Seed Round - TechCrunch

On the wires:

• BitPay Eclipses Silk Road in Bitcoin Sales with Explosive $5.2M March
• TSYS Signs Long-Term Renewal Agreement with Columbia State Bank
• Prime Factors Introduces New EMV Data Preparation Software
• NCR Brings Contactless ATMs to Poland with ING

On the web:

• Payments Company Stripe Makes First Acquisition, Buys Kickoff - TechCrunch
• PayPal Launches Next Generation Developer Tools Mobile Payments - PayPal Blog
• Payments Startups Take The Data, Design And Development Route To Reengineer The Credit-Card Business - TechCrunch
• Retailer Sues Visa Over $13 Million 'Fine' for Being Hacked - Wired.com
• The ATM: Disappearing Soon from a Location near You? - Portals and Rails

On the wires:

• Elavon Launches Mobile Innovation Center
• Western Union Continues Mobile App Expansion
• Early Warning Advances Mobile Banking by Reducing the Threat of Duplicate Deposit Fraud
• Discover Announces International Alliance with Nigeria’s Interswitch Limited
• Fiserv Multiplies Consumer Mobile Payment Options by Combining P2P Payments and Mobile Banking
• FirsTech Accelerates Electronic Payments Growth With the Fusion Bill Pay Platform
• Earthport Signs American Express for its Cross-Border Payments Service
• Net Element International to Acquire Unified Payments

Visa announced its support for a common U.S. debit solution and an expansion of Visa's previously announced roadmap for EMV chip card adoption in the United States to include a migration path for ATM transactions.

"To help facilitate chip adoption and issuer compliance with U.S. debit regulations, Visa plans to provide some of its proprietary EMV chip technology to the industry. This approach will simplify EMV chip implementation for debit, reduce migration costs and increase flexibility for card issuers, acquirer processors and merchants."

On the web:

• Forget the $20 minimum: ATMs dispense $1 and $5 bills - Today.com
• PayLane Supports German Online Businesses In Going Global - TechCrunch
• Telefónica Deutschland to Offer P2P, Digital Wallet in February - MobilePaymentsToday.com
• Visa Blesses RIM's Mobile Payment Platform - AllThingsD

On the wires:

• Commerce Bank Introduces Chip-Enabled Visa Signature Credit Cards
• eLayaway Releases Payment Plugin for Popular eCommerce Platform
• Visa Annual Cardholder Expenditure Exceeds €1trillion on Debit Cards for the First Time in Europe
• Datacard Group, DeviceFidelity and U.S. Bank Announce Smart Card and Mobile Payment Program

On the web:

• Capital One Charges Into Developer Territory With Beta APIs - Programmable Web
• BillGuard Integrates With Passbook To Track All Your Credit Cards In One Place - TechCrunch
• European Square Clone Payleven Introduces 'Chip & PIN' solution - TheNextWeb
• Square Launches A Merchant Directory To Help Customers Discover New Places - TechCrunch
• Google Launches Micropayments Service For Web Content - Digital Trends
• Wal-Mart to Let Customers Reload Other Brands Prepaid Cards - American Banker

On the wires:

• New Celent Report on State of Remote Deposit Capture 2012
• Elavon's Chip and PIN MobileMerchant Enables Irish Businesses on the Move
• NCR and Vantiv to Grow Multivendor ATM Software Availability in U.S.
• TransCard Partners with Netchex to Offer 100% Paperless Payroll

MasterCard has announced the expansion of its U.S. electronic payments roadmap to include the ATM channel. Beginning in October 2016, a liability shift hierarchy will be introduced for ATM transactions in the U.S., as part of an effort to globally align the use of EMV technology to prevent and manage fraud in the payments ecosystem.

“This continues our commitment to look holistically at the next generation of U.S. payments,” said Mike Weitzman, Group Executive, U.S. Markets, MasterCard. “As other markets have migrated to EMV, we have seen fraud shift to the least secure channel. By establishing this liability shift, we’re advancing efforts to prevent and reduce fraud. At the same time, by making the announcement today, we’re providing our issuers, acquirers and ISOs flexibility and sufficient time to manage their ATM technology decisions.”

NCR has announced that it will provide new software that will allow consumers to initiate cash withdrawals from their bank accounts on mobile devices and then complete those transactions at an ATM by scanning a 2D barcode.

NCR Mobile Cash Withdrawal will make ATM transactions faster and more secure by removing cards and PINs from the process at the ATM. The entire transaction, while the consumer is in front of the ATM, can take less than 10 seconds.

This video at the NCR website pretty much explains how it would work. NCR is looking for beta partners.

On the web:

• Apple to Remodel App Store this Summer - Rethink Wireless
• Mobile P2P Payments Startup Beamit Raises $2.4M From Jeff Bezos, Eric Schmidt & Others - TechCrunch
• Mobile Payments Platform to be Delayed Again by European Regulators - The Telegraph (UK)
• 41st Parameter Raises $13M From Kleiner Perkins And Others - TechCrunch
• Japanese Biometric ATM Reads Your Palm, Tells Fortune - Engadget
• The Rise of Mobile Payments (info graphic) - TruAxis

On the wires:

• TSYS Extends Payments Agreement With First Hawaiian Bank
• Cardtronics and 7-Eleven ATM Relationship Finds New Frontier in Canada
• MoneyGram Expands Online Money Transfers to Customers in the U.K.
• Elavon Leverages NewNet Payment Processing Solutions in South America
• Government of Canada Increasing the Use of Direct Deposit

Fiserv announced that its ACCEL/Exchange payments network had "another record-setting year, processing more than 1.5 billion transactions in 2011, an increase of nearly 29% over 2010. ACCEL/Exchange payments network from Fiserv is one of the fastest-growing payments networks in the industry, supplying the infrastructure for financial institutions to give cardholders around-the-clock access to their demand deposit account funds at ATMs and the point of sale."

On the web:

• A Guide to PayPal Alternatives in Asia - SGEntrepreneurs
• Contactless ATMs: The New Wave of Banking? - Think Money
• Obama Campaign Is Using Square For Fundraising - TechCrunch
• Google Wallet Struggles to Gain Acceptance - Mobile Commerce Daily
• Is the U.S. Payments Industry Following in the Footsteps of the Netherlands? - Portals and Rails
• Green Dot to Launch Bank Account This Year - American Banker

On the wires:

• PayLane Becomes a Certified American Express Partner
• GE Capital Extends Consumer Financing Program with Art Van Furniture
• MusicSkins Partners With Virtual Piggy Offering Innovative Youth Purchasing System
• South Carolina Selects Heartland as Preferred Provider for Electronic Financial Aid Disbursement
• GE Capital Retail Bank and ShopNBC Announce Renewal of Consumer Credit Card Program
• Canada's Payfirma Updates Its Mobile Payment App

Visa and Better ATM Services have announced the ability to dispense Visa Gift cards in addition to cash at existing ATMs.

With this introduction, ATM menu screens now include a “Purchase Visa Gift Card” option and prompt to designate the value to load on each card. Cards are available with no activation fee in $25 denominations during the pilot. The new ATM-dispensed Visa Gift card is made of a durable yet thinner material, which allows cards to easily pass through the cash mechanisms of ATMs.

An in-market pilot program is currently underway offering Visa Gift cards at walk-up and drive-through ATMs in select locations throughout Arizona.

Clear2Pay announced that it has signed an agreement to acquire Level Four Software Holdings Ltd., a UK headquartered company providing development and test automation solutions for all types of ATM networks, enabling banks and processors.

On the web:

• Your Next Credit Card Is Your Last - Fast Company
• Wal-Mart, McDonald's Execs Sour on New Debit Rules - chicagotribune.com
• Starbucks Finds Success in Mobile Payments - TMCnet.com
• International Fraud Awareness Week is Here - Portals and Rails
• PayMate To Launch NFC Based Mobile Payments Product in India - MediaNama

On the wires:

• USA Technologies Maintains Branded Credit and Debit Rate Structure for Small-Ticket Markets
• Digital River Offers Enterprise Software Publishers New Revenue Channel
• Euronet Expands its Polish Network with ATM Acquisition from Diebold’s cash4you Network
• Wright Express Announces International Capabilities for Single-Use Virtual Payments
• Cubic Integrates Video Interface in Next-Gen Ticketing Machines
• 3 Point Alliance chooses Transactis as EBPP Partner
• New Celent Report on State of Remote Deposit Capture

On the web:

• Debit-Fee Retreat Complete - WSJ.com
• PayPal's Coolest Mobile Wallet Feature: The Oops Button - Forbes
• Square to Allow Card-free Payments - San Jose Mercury News
• Russian ATM Can Detect When Users are Lying - Springwise
• Womply’s New Deals Startup Loads Local Offers Onto Your Credit Cards - TechCrunch
• Google Wallet Roadshow Schedule - Google Commerce Blog
• PayPal Opens Shopping Showcase in New York - PayPal Blog

On the wires:

• SafetyPay and PlaySpan Partner to Offer International e-Shoppers Secure Payment Option
• Vindicia Adds New Campaign Management Features to CashBox
• Cardlytics Brings the Power of Transaction-Marketing to Leading Local Retailers
• CashStar Unveils Mobile Web Gift Card Purchasing
• Gemalto Launches Ezio Plug & Sign for Unmatched Online Transaction Security
• Fiserv Integrates ACCEL/Exchange and Prepaid Solutions to Deliver Next-Generation Prepaid Services

On the web:

• BofA, Wells Fargo, JPMorgan Sued by ATM User Over Fees - Bloomberg
• USPS Eyes Prepaid Card Market - MyBankTracker.com
• Whole Foods Stores Stop Accepting Checks - Raleigh Durham News & Observer

On the wires:

• Durbin to Wells Fargo: Your Numbers Don't Add Up
• Bethpage Federal Credit Union Announces “No Fee” Free Checking Guarantee
• Western Union and Societe Generale International Retail Banking extend Global Money Transfer Agreement
• Chase Strengthens Partnership with United’s MileagePlus to Offer Ultimate Rewards Cardmembers Expanded Travel Flexibility
• New Report from Mercator on Online Bill Management

NCR has announced they will be working with PayPal and S1 Corporation to enable real-time P2P payments from their bank’s ATMs to almost anyone with a mobile phone or e-mail address. This service will initially be available in the U.S. with the ability to send money to people in more than 60 countries around the world.

NYCE has announced that it has signed an agreement with UnionPay (China’s bankcard association) to allow cardholders reciprocal access to ATMs in both networks.

“UnionPay attaches high value to giving UnionPay cards as many access points to their funds as possible. By enhancing the cooperation with its partners, UnionPay is focusing on building broader acceptance in the U.S.,” said Jianbo Cai, First EVP of China UnionPay. “Now more and more ATMs in the U.S. will accept UnionPay cards at key locations that are enabled via the NYCE Payments Network. This new cooperation between UnionPay and NYCE can serve both UnionPay and NYCE cardholders more effectively. We also believe that UnionPay and NYCE will have greater win-win opportunities in the future.”

On the web:

• An "Open" Perspective on Near Field Communications - ReadWriteWeb
• Card.io Enables Card Data Capture with Phone Camera - PCMag.com
• Eric Schmidt: Mobile Payments at Retail to Explode - CNET News
• Survey: Discounts and Coupons Will Drive Adoption of Mobile Payments - NFC World
• Apple Is Now Pimping Square’s iPad App In A 'How-To' Video - TechCrunch
• Itautec Unveils 3-D ATM in Brazil - ATM Marketplace

On the wires:

• Chase Upgrades Amazon.com Rewards Visa Card by Adding Amazon Shop with Points
• Optum EFT Solution Makes Health Care Payments Faster and Cheaper
• SponsorPay Introduces Offer-Based Monetization Suite For Publishers

On the web:

• Isis Plans Mobile Payments Launch in Austin - Reuters
• Merchants Shred Costs of Payments by Plastic - Wall Street Journal

On the wires:

• U.S. Bank Launches Payment Plus to Automate Business Payments in Canada
• New Corporate Insight Report on Mobile Finance Landscape
• Cardtronics to Acquire EDC ATM Business

On the web:

• More Hurdles Crumble for Same-Day ACH Payments - American Banker
• Is a National Data Breach Notification Law on the Horizon? - Portals and Rails
• FinovateSpring 2011 Demo Videos are Now Online - Finovate
• Durbin 'Ripple' for Community Banks - BAI Banking Strategies
• Little Interest Among U.S. Consumers for Mobile Wallets - Computerworld
• Mobile Payments Startup Calls it Quits, Hires Auctioneer to Sell Off Assets - dBusinessNews

On the wires:

• Turkish Bank Kuveyt Turk’s ATMs to Dispense Gold
• MICROS Simphony Certified to Elavon’s Fusebox Payment Gateway
• TapBase Introduces the Tap Mobile Payments, Loyalty and Rewards Platform
• Coolidge Corner Merchants Association to Offer PXT Money App as Member Benefit
• PAY.ON Continues to Cover Latin America: New Cooperation with DineroMail

Payment Alliance International (PAI) and MagTek have jointly announced the deployment of MagTek’s Qwick Codes across PAI’s nationwide network of over 50,000 ATM machines.

“Qwick Codes illustrates our goal of expanding and improving the consumers’ ability to use their smartphones to conduct everyday financial transactions,” said Andy Deignan, MagTek vice president of global marketing and strategy. Deignan adds, “In line with offering the high level of security MagTek is known for, static card data converted into a one-time use Qwick Code can be used to retrieve cash at any supported ATM, effectively eliminating the risk associated with compromised ATMs rigged with card skimmers.”

On the wires:

• Fiserv Provides Remote Deposit Capture Solutions to More than 160,000 Users
• Wells Fargo’s Latest Mobile Innovation: Commercial Card Expense Reporting
• Quepasa Partners With Tutudo to Offer Innovative Game Payment Solution
• PhoneFactor Launches Replacement Program for RSA SecurID Tokens
• Over One Fifth of Online Shoppers in UK Have Been A Victim of Online Fraud
• Wright Express Acquires rapid! PayCard, a Domestic Prepaid Payroll Card Provider

On the web:

• Springwise: In South Africa, Cardless ATM Withdrawals via Mobile Phone

On the wires:

• New In-Stat Report on Mobile Payments
• PaymentOne Expands Global Coverage and is Now Available in 67 Markets
• txtNation launches Mobile Network Lookup services
• Maas Global Solutions Turns to ThreatMetrix for Fraud Prevention on Its Payments Gateway
• Zoovy Adds Buy.com and Sears.com to Marketplace Line Up
• eProcessingNetwork Introduces ePNBillPay (PDF)
• Virgin Atlantic adopts OB10’s global e-Invoicing solution

On the web:

• Fast Company: Why PayPal Doesn't Care About NFC
• Credit Slips: Small Banks and Debit Interchange Reform: Winners or Losers?
• Bank Systems & Technology: ATMs Resume Working in Japan
• Wall Street Journal: ATM Fees in US are Heading Higher

Headline News is compiled by Glenbrook Partners:

• SOFTBANK MOBILE in Japan Selects Gemalto for Mobile Contactless Payment Trial
• ThreatMetrix Achieves Record Revenue, Billings, Transactions, and Customer Growth in 2010
• Main Street Softworks Inc. Adds Credit Card Enhanced Data (Level III) Reporting Features
• ValidSoft Technology Targets Belgian Bank Card Fraud Crisis
• ProPay Partners with 3DCart to Provide Merchants a Complete Set of eCommerce Tools
• Mitek Seeing Strong Deployment of its Mobile Remote Deposit Capture Application
• BPC Banking Technologies and Banca Transilvania Introduce Western Union Transfers through ATM´S

• New York Times: Now at Starbucks: Buy a Latte By Waving Your Phone
• Portals and Rails: Retail Payments Risk Forum Hosts 4th Annual "Emerging Risks in Emerging Payments" Conference
• eMarketer: In-App Purchases Become Major Mobile Revenue Stream
• Cult of Mac: iPad Cash Register Arrives at Grand Central Coffee Shop

Headline News is compiled by Glenbrook Partners:

• New Mercator Report on Top 50 Debit Card Issuers Loyalty and Rewards Programs
• Ukash, the Global e-Money Network, Chooses iovation Fraud Protection

• Bloomberg: Senate's Durbin Plans to Seek Limits on `Abusive' Prepaid Debit-Card Fees
• Sacramento Business Journal: Wells Fargo ATMs speak Russian
• Reuters: Plastic Posse: Credit Card Winners and Cards They Love
• Collections & Credit Risk: Building Credit By Paying Bills: An Alternative To Secured Cards?