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Electronic Payments Law

The electronic payments business is complex and changes rapidly. In today’s click-of-a-button society, technology drives commerce. New delivery systems and evolving regulation place a premium on access to the expertise needed to mitigate risks, solve problems, and take maximum advantage of opportunities.

Jaffe’s Electronic Payments Practice Group has decades of experience with legal issues surrounding card processing, fintech, money transmitter, mobile payments, ACH, and stored-value systems, both domestically and internationally.

We keep up on statutory, regulatory, and payment network developments. Steeped in the business, our lawyers frequently write for industry publications, serve on national panels, and provide leadership as committee members and officers of industry trade associations. We counsel both large and small clients on legal issues, as well as on strategic alliances, mergers and acquisitions, and corporate direction.

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  • Fintech and money transmitter compliance
  • Merchant acquirer, payment facilitator, ISO, processor and sales agent contracts
  • Mergers and acquisitions
  • Due diligence of industry portfolios and companies
  • State and federal regulatory compliance
  • Card brand compliance
  • ACH processing
  • Mobile payments
  • Litigation
  • Copyrights, trademarks, and licenses
  • Entity formation
  • Cutting edge technology compliance issues

Electronic Payments Law

Electronic Payments Law

News & Representative Matters

August 15, 2019

26 Jaffe Attorneys Named as 2020 Best Lawyers in America

SOUTHFIELD, MICH. – Jaffe Raitt Heuer & Weiss, P.C. CEO Jeffrey M. Weiss announced that 26 attorneys were recognized as 2020 Best Lawyers in America©, by the oldest and most respected peer-review publication in the legal profession. According to Best Lawyers©, the lists are compiled by conducting exhaustive peer-review surveys in which ten of thousands ...

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May 6, 2019

Legislative Watch: New Merchant Agreement Requirements

The Maryland legislature has passed legislation that, if signed by the Governor, will require merchant acquirers to revise their merchant applications and agreements. Under the proposed law, merchant services providers, financial institutions, independent sales organization (ISO’s), or any subsidiary or affiliate of those entities (“Credit Card Processors”) will be required to provide merchants with specific ...

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August 13, 2018

Holli Targan Earns 2018 Midwest Acquirers Association Industry Achievement Award

SOUTHFIELD, Mich. – Recognizing her significant contributions to the merchant bankcard and electronic payments industry, Holli Targan, partner at Jaffe Raitt Heuer & Weiss, P.C., recently earned the 2018 Midwest Acquirers Association (MWAA) Industry Achievement Award. According to MWAA, the Industry Achievement Award is a unique tribute given only to individuals worthy of “Hall of Fame’ ...

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Representative Matters

  • Advised a financial technology company on state money transmitter licensing laws
  • Represented an acquiring sponsor bank on BIN sponsor and compliance matters
  • Represented a VC-backed merchant acquirer in multiple acquisitions of ISO companies
  • Negotiated payment facilitator sponsor arrangement for ISV in the medical merchant vertical
  • Counseled a financial technology company on obtaining payment facilitator registration
  • Served as outside general counsel to an ATM network and merchant acquiring companies
  • Represented a payment gateway on state and federal compliance matters