payment is an example of invisible payments. Amazon's 1-Click Block chain Google pay PayPal Question 38 ( 2 points) Companies that provide hardware and/ or software related to payments are considered merchants. True False Question 39 ( 2 points) Merchants prefer ACH to card networks because the fees associated with ACH payments are less even though risks are greater. True False For security purposes, merchants must comply with The risk of noncompliance are significant financial penalties. FDIC NACHA PCl-DSS CFPB Question 42 ( 2 points) have held bank or credit union accounts, but rely on alternative payments and financial services. Unbanked Underbanked Virtual banked Undebited One touch banking Question 43 (2 points) The evolution of card technology from magnetic stripe to EMV chip cards is considered an change. futuristic evolutionary revolving revolutionary