If you are an owner today of a merchant-based business, whether online or run from a brick-and-mortar establishment, it is difficult to make sense of the ongoing rage over mobile payments and how they will change the way that basic commerce, as we know it, is conducted in the future. Yes, smartphone technology will have a dramatic impact on merchant activities, but hold on, we have heard similar predictions before.The internet did change merchant commerce, as we knew it, but those changes did not happen overnight. Technology professionals are not bankers. They may be able to wire things together to make things work, but when it comes to money