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The First Circuit denied American Express' request to compel arbitration, affirming that merchants can pursue their antitrust claims over non-discrimination provisions in federal court.
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On April 1, 2027, Mastercard replaces the Acquirer Chargeback Monitoring Program with the Global Merchant Audit Program, combining fraud and non-fraud disputes into one score and adding four new merchant and acquirer categories.
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Interchange and assessment fees are pass-through costs no processor can discount, and together they drive most of what a business pays to accept cards. Learn how to tell genuine pass-through cost from processor markup.
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What the Global Merchant Audit Program is, why Mastercard is introducing it, how it compares with Visa's VAMP, and practical steps merchants can take now to reduce chargebacks and fraud before the April 1, 2027 launch.
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The Second Circuit approved a second partial distribution from the $5.5 billion Payment Card Interchange Fee Class Action Settlement Fund. More than 83,000 merchants are due over $181 million in September 2026.
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Visa retired its Commercial and Small Business Level 2 interchange programs on April 17, 2026, leaving Product 3 under CEDP as the only route to discounted rates on commercial cards. The merchants most at risk are the ones who believe they finished this project in 2025.
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Your processing fee stacks interchange, assessments and processor markup, and interchange drives most of it. Learn what makes fees high, how to find your effective rate, and how to cut costs without switching processors.
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The House Financial Services Committee held a hearing on the future of payments, exploring the bipartisan PACE Act and whether nonbank payments companies should gain direct access to the Federal Reserve's payment rails, with testimony from Davis Polk, Stripe, the Bank Policy Institute, Anchorage Digital, and the NCRC.
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Several states have recently passed or proposed new surcharging laws. Louisiana now prohibits debit card surcharges, New Jersey advanced a bill banning debit and gift card surcharges, and Rhode Island proposed clearer surcharge disclosure requirements.
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