Bill Zielke here, senior director on the merchant services team. For years, retailers have been talking about the importance of a multichannel strategy. But there's never been a better time to get this up and running than today â€" because consumers are shopping not only offline and online but now through their phones. Mobile payments are poised to reach $200 billion by 2012, according to Juniper Research. And with more than 172 million smartphone users around the world,