the
VOICE of
+
Commerce
2016 MediaKit
Payments
2016 MEDIA KIT
ABOUT
Paybefore is the leading media brand for the
payments and retail industries. With in-depth
news and analysis, Paybefore offers an
industry-insider perspective into the world of
prepaid, payments technology, commerce
and loyalty.
We deliver Paybefore e-newsletters to your
in-box, so you can catch late-breaking
news on the CFPB, the latest M&A deal and
in-depth analysis from payments experts.
All of our e-newsletter articles as well as
Pay Magazine—our digital flipbook—are
available on Paybefore.com. If you need
detailed information or background history,
our Website is your research library, open
24/7. In the new Pay Studio channel, you’ll
find spotlights on companies and people,
research and analysis, videos, Webinars,
bespoke surveys, white papers and more.
New in
2
You’ll also find Events, a place to post Jobs,
and even partners on Pay Connect.
016!
Paybefore also recognizes the best in
prepaid, payments technology, and retail
& loyalty with its yearly Pay Awards and
Pay Awards Europe.
Paybefore is a part of the Knowledge &
Networking division of Informa plc (INF:LSE),
one of the world’s leading business
intelligence, academic publishing, knowledge
and events businesses, creating unique
content and connectivity for customers
worldwide.
For more information, contact Sales Director Matt Middleton at +1 646.616.7604 or mmiddleton@iirusa.com
© 2016 Paybefore. All rights reserved.
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36% - Executive
22% - Client-Foc
2016 MEDIA KIT
14,700
Rate Base
Readership Breakdown:
Industry Function: (create graph)
28% - Program Manager
18% - Acquirer / Processor
11% - Retailers, Brands, Consumer Service Companies
30% - Financial Institutions
13% - Service Providers
41,500
11,600
by Industry
Implementation
7% - Finance
4% - Other
Avg. Monthly Page Views
Avg. Monthly Unique Visitors
Readership
Sales, Marketing
17% - Product
AUDIENCE
14% - Operation
28% - Program Managers
In 2016, Paybefore became
Job Function: (create graph)
available without a subscription,
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allowing free and unlimited
13%
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Providers
22%
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access to all Paybefore content
on our Website, including our
Sales, Marketing, Client Relations)
digital Pay Magazine—without
dership Breakdown:
17% - Product
an annual
fee orgraph)
a log-in. In
ustry Function:
(create
14% - Operations (Legal, Risk, Compliance,
addition,
readers can sign up
- Program
Manager
- Acquirer
/ Processor
to receive
all of our free digital
Implementation,
- Retailers,
Brands, by
Consumer
newsletters
email. Service Companies
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- Financial Institutions
- ServiceOpen
Providers
access means deeper
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giving our sponsors and
advertisers bigger impact and
greater visibility.
To increase our readership, we
will be distributing print copies
of Pay Magazine at paymentsrelated events such as All
Payments Expo, Money2020,
NBPCA’s Power of Prepaid and
Shoptalk.
7% - Finance
4% - Other
30% - Financial Institutions
Consumer Service Companies
by Job Function
4% - Other
36% - Executive
(C-Level, EVP, SVP, President)
7% - Finance
14% - Operations
(Legal, Risk,
Compliance,
Implementation)
22% - Client-Focused (Business
17% - Product
Development, Sales, Marketing,
Client Relations)
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2016 MEDIA KIT
MEDIA PROPERTIES
Pay Magazine: Features in-depth articles, industry views, executive and company profiles, analysis and
expert commentary. Sections include Companies & People, Pay World, Digital Money, Finance & Strategy,
Government Watch and Vertical Opportunities. Available as a digital flipbook online. Printed twice a year for
distribution at payments-related events.
Pay Connect: B2B Web directory of companies participating in prepaid, payments technology and
commerce, as well as the businesses that support them. Database available online.
Pay Awards Magazine: Features our Pay Awards and Pay Awards Europe Best-in-Category and Industry
Achievement winners. Available as a digital flipbook online.
Paybefore.com: Updated almost daily, our searchable Website includes the most recent Paybefore news and
features plus all Paybefore coverage since our launch in 2007. It’s an invaluable research resource for industry
professionals. Departments include Headline News, Top Stories, Mobile & Emerging Payments, Pay Studio,
Retail, Op-Ed, Government Watch, On the Move, Jobs, Events, videos and polls.
Pay News: Provides in-depth news and analysis beyond the headlines, from an industry-insider perspective.
Includes profiles of innovative companies and people transforming payments; product launches and partnerships; rules, regulations, litigation and security issues affecting payments and retail perspectives; and the latest
research data to guide your strategy. E-newsletter emailed 3 times a week.
Pay Gov: Coverage of the legal, legislative and regulatory landscape with analysis and insights specific to the
industry. Departments include Washington Watch, Viewpoint, State Update, In the Courthouse, International
News and Dates & Deadlines. E-newsletter emailed 20 times a year.
Pay Op-Ed: Industry thought leaders share what they see shaping the world of payments. E-newsletter
emailed 20 times a year.
Pay Week: Weekly summary of the top headlines and leading news stories in the U.S. and around the world,
including government issues, deals & launches and an industry calendar. E-newsletter emailed every Friday.
volume 8 • fall 2015
volume 8 • fall 2015
companies & people
Industry Views: Let’s Get Physical
paybefor e awards
europe
Why do plastic cards matter in a mobile world?
The fact is there’s nothing inconvenient about plastic
and until there is ubiquitous acceptance for other form
factors, it will remain quite relevant. Just like cash and
checks, the ratio of plastic transactions relative to other
forms may diminish over time but won’t go away for
many years to come.
Acceptance. While the latest mobile and contactless technologies are exciting for some Gen Xers
and those of us in the industry, cardholders
continue to rely on the
ability to make a purchase
at their local hardware store
or to withdraw cash at their
local bank’s ATM. Our customers enjoy prepaid because
of their confidence in the
product and the simplicity
of its use. Part of that confidence factor is dependent
on reliable acceptance, regardless of the type of merchant. Ironically, cardholder adoption of mobile and
contactless payments may well be dependent on the
continued peace of mind associated with the plastic
in their wallet.
Plastic cards defined mobility
before cellular phones were
invented. They allowed consumers to carry around their
“lender” or “bank” in their
pockets, no longer being
limited to shopping only at
merchants where they could
open a tab or withdrawing cash
from the bank during normal
banking hours in advance of making a purchase.
In the 60 years since plastic cards were introduced,
consumers around the world have enjoyed the
—Trent Sorbe,
president, central payments division, Central Bank of Kansas City
However, merchants across
the country are adding mobile
payments at the POS but
until acceptance is ubiquitous, plastic will continue
to be necessary.
—Joan M. Herman,
senior vice president, Sunrise Banks
—Daniel Spier,
managing director, IDT Financial Services Ltd.
—Kevin Phalen,
head of global card and comprehensive payables,
Bank of America Merrill Lynch
rele“Plastic cards will remain as some
manueven
t may seem as if card
vant for many years
the push
facturers would view
new payment and transas a threat to of the
compete
for mobile payments
action technologies
It’s true that
strucposition in this highly
their business models.
was up only for a
Vrancart,
growth
Al
unit
says
card
global
tured market,”
to the
and founder
1 percent in 2014, according nal
ICMA industry adviser
Internatio
applicatlatest data from the
emeritus. “Most mobile card
Association
n
Card Manufacturers
ions require a companio
you look at
backup,” he
(ICMA). However, when
as an alternative or
period,
es
same
the
preferenc
for
dollar growth
says. “Demographic
largely
lists and
sales were up 5.6 percent, chip
suggest that traditiona support
to
because of more expensive
boomers will continue
to drive
millennials will
cards, which continue
plastic cards while
32 percent
accept the various new
global growth. Nearly
readily
which
r
chip,
a
remembe
of all cards now have
technologies. Also,
of the
not have
represents 84.9 percent cards.
that everyone does
ured
value of all manufact
a smartphone.”
I
and beyond
The outlook for 2015
global dolis for continued robust
card unit
lar growth and modest
n predicts.
growth, the associatio
20
with sophIdentification cards
such
paybefore.com
isticated security features,
y, are
as biometrics technolog
Plastic and the
secure
preferred to access
with mobile
systems compared
potential
applications that have consecurity issues, Vrancart
card martinues. And, in the gift
cards—with
ket, physical plastic
are not
myriad design options—
cards
losing ground to e-gift grow.
cards
even as virtual gift
impact
that
want
ers
“Consum
a
or ‘wow factor’ of having card
e gift
packaged decorativ
occasion,”
in hand for that special
Vrancart maintains.
you’ll find
In this special section,
became the
out about how cards
sidebar at
go-to form factor (see
several card
right) and hear from
how they’re
manufacturers about
an increasingly
staying relevant in
21
mobile world.
Future: the evolutio
n oF Payments’
cards first appear,
Proprietary charge
by
issued in the 1920s
including paper cards
bill customers
oil companies that
each month or quarter.
in full for purchases
Form Factors
Innovation Meets
early
1900s
usage to other major
Diners Club expands
abroad.
cities in the U.S. and
1950
credit cards appear
The first general purpose
ca
establishes BankAmeri
when Bank of America
card
franchises the BankAmeri
Service Corp. and
time,
Visa). At the same
brand (later named
the InterBank Card
several banks establish
a
MasterCard, creating
Association, later named
credit nationally.
rival brand providing
debit system emerges,
The nationwide U.S.
re.
and ATM infrastructu
built on credit card
1955
1966
1978
1984
gift
develops a prepaid
Blockbuster Video
, which goes
card in lieu of gift certificates and 1996.
in 1995
on display nationally
Other retailers follow.
payment app developSmartphone mobile
form
network operators
ment begins. Mobile
Softcard).
Isis (which later becomes
the development
Apple Pay launches;
with payment
of wearable technology
accelerate.
features begins to
1994
2010
2014
Old WOrld
O
enthe first travel and
Diners Club issues
City.
cards in New York
tertainment charge
1958
ss Association
Association
Security continues to be the main reason for resistance
to mobile payments. This is primarily because many
consumers fail to see the multiple benefits that mobile
payments bring, such as ease,
access and convenience.
This resistance to change
has resulted in continued heavy
use of credit and debit cards.
There’s no doubt that mobile payments are experiencing exponential growth; however, I do
not believe mobile payments and plastic cards
are mutually exclusive. I see
the mobile wallet and the
plastic card working harmoniously, with consumers
utilizing both for different
transactions. It’s also worth
considering that as with any
new technology, it will take
time to educate consumers
on the use and applications
of mobile payments. I don’t envisage there being
a complete eradication of plastic cards anytime
in the near future.
While there’s no doubt that mobile applications are
taking off as a future channel for payments, they are
a way off from universal acceptance. Plastic will still
rule as long as it remains the easiest and only form
of electronic payment that can be used anywhere,
anytime, by anyone.
aside
g all the attention—
Mobile may be gettin
is firm.
c’s place in payments
from EMV—but plasti
—Brad Hanson,
president of MetaBank and Meta Payment Systems
simplicity of cards, and ubiquity with which they’re
accepted. Plastic cards also are available to unbanked consumers, who receive cards funded with
benefits payments.
Card Manufacturer
SOURCE: International
International Card Manufacturer
g
Excellence. SOURCE:
g Excellence.
For the same reason cash
still matters: People use it, it’s
accepted anywhere and it’s
often more convenient, especially for small transactions.
Plastic is definitely still more
ubiquitous and convenient than
mobile apps. Besides, there’s
not really anything mobile about
the wallets and payment apps
on your phone. They use NFC
technology, not mobile technology to transact a payment. Therefore, why does mobile
even matter when you could just use your Fitbit, watch
or other wearable instead of pulling out your phone?
1988
n May 19, in Marbella,
Spain, Paybefore celebrated
2015 Paybefore Awards
its
Europe winners, revealing
in-category honorees and
bestresults of People’s Choice
voting. The presentatio
n closed
Expo Europe, where industry the second day of All Payments
stakeholders gathered
the future of payments.
to discuss
)
issues the first (cardboard
American Express
later,
purchases. A year
charge card for T&E
T&E
issues the first plastic
American Express
“Green Card.”
“We’re proud to celebrate
the companies and programs
forefront of payments and
at the
innovation, who continue
ways to solve problems
to
and create value for consumersfind new
businesses,” said Loraine
and
DeBonis, Paybefore editor-in-ch
and chair of the judging
ief,
panel. “Our best-in-cate
gory winners
represent veteran providers
as well as newer market
from Italy, Germany, U.K.,
entrants
U.S. and the UAE.”
The 2015 Paybefore Awards
Europe judging panel included
DeBonis; Brian Dunne,
managing director, SVM
Europe,
president, IMA Europe;
Peter Howitt, founder, Ramparts, and
and secretary, Gibraltar
e-Money Association; David
director, Polymath Consulting;
Parker,
and former Paybefore CEO
Marilyn Bochicchio.
is issued to business
The first debit card
Bank of Seattle,
owners by First National
against a check.
providing a guarantee
providers are established
The first PIN-debit
signature debit launches.
;
paves the way to mobile
2000
2011
2015
photo: Loraine DeBonis
for Card Manufacturin
Awards for Card Manufacturin
the ICMA
Élan Awards
in the
ICMA Élan
winners in
and winners
finalists and
are finalists
images are
Card images
Card
y
finance & strateg
Paybefore also announced
results of People’s Choice
which ran from April 21-May
voting,
18. More than 3,000 votes
cast for People’s Choice.
were
Congratulations to Epipoli,
home this honor, and all
which took
our winners.
Smartphone adoption
payments via browsers.
Starbucks launches
Google Wallet launches;
app nationwide after
its mobile payments
piloting at Target stores.
The Apple Watch
Google absorbs Softcard.
capabilities; Samsung
launches with payment
MCX’s CurrentC mobile
Pay, Android Pay and
pilots.
roll out or launch via
payments services
Worldwide
Reserve, MasterCard
sources: Federal
paybefore.com
87
4
86
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2016 MEDIA KIT
PRINT & ONLINE RATES
Pay Magazine
Frequency: 2 Issues/Year
Covers
Gatefold (Front Cover)..................................... Price dependent upon insert/production charges
Inside Front..................................................... $30,000/issue
Outside Back................................................... $25,000/issue
Inside Back...................................................... $20,000/issue
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Paybefore offers the option to polybag various units within any given issue, pending publisher
approval, and when meeting printer specifications. Additional units available on request.
Pay Magazine is distributed at major payments conferences worldwide in addition to being
available as a digital flipbook online.
Pay Awards Magazine
Frequency: 1 Issue/Year
Covers
Inside Front..................................................... $30,000/issue
Outside Back................................................... $25,000/issue
Inside Back...................................................... $20,000/issue
Interior
Two-Page Spread............................................ $10,000/issue
Full-Page......................................................... $5,000/issue
Half-Page (Horizontal)...................................... $3,000/issue
Pay Awards Magazine is available as a digital flipbook online.
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2016 MEDIA KIT
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2016 MEDIA KIT
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Govern
ment
watch
October 2015 | Volume 9 | Issue XVI I | www.paybefore.com
In Viewpoints, prepaid and emerging payment professionals share their
perspectives on the industry. Paybefore endeavors to present many
points of view to offer readers new insights and information. The opinions
expressed in Viewpoints are not necessarily those of Paybefore.
Contrasting Payments Innovation in Europe and the U.S.
By Monica Monaco, TrustEUAffairs, and Eric Grover, Intrepid Ventures
A
merica has led Europe in payments
innovation. Europe has led in
payments regulation.
There are significant differences in
payments innovation in Europe and the
U.S., influenced by policymakers’ views
of their roles and the regulatory, tax and
competitive climates. These differences
affect the cost, quality and choice of
payment products Europeans and
Americans enjoy and, therefore, ought to
be of profound interest to retailers and
consumers. Payment providers, too,
should be keenly interested in an environment conducive to competition and
creating and enhancing services across
the value chain.
Innovation at a Glance
Payments competition in the U.S. is
greater than in Europe. Specifically, retail
payment network competition in the U.S.
is fierce and increasing. American
Express, Discover, FIS’s NYCE, Fiserv’s
Accel, First Data’s STAR, JCB, MasterCard, PayPal, Visa and increasingly
China UnionPay compete. In stark
contrast, until 2009, Europe’s third-largest card network, France’s CartesBancaires, enjoyed a domestic monopoly.
Until 2011, the Netherlands had a
monopoly debit payment scheme.
Why the disparity? If you look at the
Monica Monaco
snapshot on the next page, you can see
details about payments innovations
during the last 65 years. More often than
not, these innovations were made in
America. And that trend largely continues as new mobile wallet providers
compete to shift consumer behavior. At
the same time, bitcoin investments in the
U.S. dwarf those in Europe, suggesting
that emerging payments are more likely
to thrive in the U.S. market. While there
are many factors at play, the regulatory
environment is a major force in shaping
the two market realities.
the same regulatory principles apply
regardless of the technology used.
As Nobel Laureate James Buchanan
says in his Public Choice Theory, regulators seek to maximize their power and
utility. Technology neutrality is a banner
under which European regulators
inevitably will extend their authority to
new markets and technologies, before or
absent evidence of market failures
meriting intervention. When has an EC
regulator ever argued his enlightened
direction wouldn’t improve the market or
produce more “European” results? In this
sense, technology neutrality can encourage over-regulation of emerging markets.
Consequent regulatory uncertainty and
risk can cause businesses to defer or
reduce investment, as the 2011 “OECD
Council Recommendation on Principles
for Internet Policy Making” explains.
Although there is investment activity in
payments in Europe, it would be much
he
greater if the regulatory burden weren’tregulatory waters
been choppy
have
so great.
for
Social Media:
Reach our online community
through Paybefore’s
private LinkedIn
Group (nearly
2,000 members) and
more than
4,100 Twitter
followers.
Navigatin
g
Regula the
toRy Wa
Technology Neutrality
Leads to Broader Regs
To understand the European regulatory
environment and how it has and will
continue to affect the payments industry,
it’s helpful to look at how European
regulators view themselves. Often, it
seems they believe that regulation should
precede market solutions. For example,
technology neutrality is one of the key
principles of the European regulatory
framework for electronic communications. The concept appears in the proposed EU Data Protection Regulation
and the proposed EU Directive on
Network and Information Security (the
NIS Directive), both of which likely will
be adopted in 2015 or 2016. In a nutshell,
The five
regulator biggest
y
that could issues
the preindustry
make severalpaid
and,
for roug
Regulators
‘Know Best’the air, major issues still with
her seas.
up in
European regulators’
interest in newit may be
Based in Brussels for the past 13 years,
Monica Monaco created TrustEUAffairs in
September 2013 to advise clients on relevant EU
legislative initiatives. Monica focuses on payment systems and new payments solutions, such
as mobile payments and contactless. She was
senior manager for EU relations and regulatory
affairs in the legal department of Visa Europe for
more than 10 years. Monica can be reached at 104
monacom@trusteuaffairs.com.
T
before
several
we see
months
payment solutions remainsHelping
keen. The
calmer waters.
to keep
European Central Bank’s NBPCA,
Euro Retail
an even
keel is the
and the
Payments Board, for example,
looking
captain
able iscrew
of
at person-to-person and proximity
presiden is Brad Fauss, a very
NBPCA
t
mobile payments. But private
took sector and CEO. He
time
recently
what the with Paybefore
teRs
35,000
commen
ts
deadline
and the by the March
expected
final rule
in early
is
2016.
The CFPB
is proposin
other mandate
g, among
s, that
compan
ies provide prepaid
long-for
shortm
sumers’ disclosures, limitand
losses when
constolen
to discuss
cards
or
Eric Grover is principal at Intrepidtop
Ventures, aassociation
five issues
sees
resolve lost, investigate are
errors
corporate development and strategy
consultancy
and
facing the as the
and
their
10 business generally
industry
within
advising issuers, networks and processors, andpotentia
firms l ramificat
days
provisio
ions.
nal credit or provide
investing in and serving businesses across the payamount
until the for the disputed
ments value chain. He was the first to make the case
complet
investiga
CFPB
e,
for demutualizing MasterCard and Visa. Eric
may be
tion is
free accessprovide convenie
Rulema
reached at Eric.Grover@IntrepidVentures.com.
nt and
king
to account
The
Eric Grover
CFPB
prepaid announced its
NPRM on
accounts
The bureau
on Nov.
13, 2014.
received
more than
©2015 Paybefore. All rights reserved. Forwarding or reproduction of any kind is strictly forbidden without the prior consent of Paybefore. This publication is intended for
general information purposes only and should not be construed as legal advice. Readers are urged not to act upon the information without first consulting an attorney.
3
and adhere
to credit information,
tections
if any type card prooffered
of credit
in
prepaid connection with is
account,
draft. The
including a
NPRM applies overto almost
Custom
Publishing:
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