Aside from those that love and live in the numbers, talking about merchant services and all that it entails is enough to make anyone cross-eyed. With the increase in credit card security breaches, however, it’s time to shake our heads and pay attention to the fine print. Starting October 1st of 2015, total responsibility will be solely and completely on the merchant (ahem, you). Strawhecker Group recently did a study of merchants and how compliant they were with the new regulation and found that only 34% of merchants will likely be ready by October 1st. Let’s try and make ISBN members part of that responsible one-third.