The Mobile Payments Industry Workgroup (MPIW) met with representatives from the merchant community and several mobile start-up companies at the Federal Reserve Bank of Boston on September 25, 2012. The objective of the meeting was for MPIW members to better understand the merchant perspectives on mobile payment opportunities and challenges at the point-of-sale (POS). The merchants were represented by a big box store, a pharmacy, a quick service restaurant (QSR), a convenience store, a specialty retailer, a gas station/convenience store, and a transit authority. The mobile start-ups represented providers of white label mobile wallets, cloud and QR code solutions, mobile payment card acceptance, and mobile marketing.