Credit cards are the primary form of the payment for most retailers.  In order to process credit cards a retailer must enter into an agreement with a bank and a payment processor.  Those agreements can be daunting and often have significant impacts on a retailer’s financial liability in the event of a data breach. Indeed, in many cases the contractual liabilities that flow from the credit card processing agreement surpass all other financial liabilities that arise from a breach including litigation . . . Negotiating Card Agreements_At A Glance_1