Merchant service providers need to be aware that payment gateway technology is likely to provide answers to most of the questions merchants may ask when navigating the dizzying array of new payment rules and technologies.

"As all of these different trends converge, it all points to the payments gateway as the common denominator in being able to provide all of the different services merchants will need," says Richard Oglesby, senior analyst and mobile pay expert with Boston-based Aite Group.

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