When merchants accept credit and debit, they sell more, reduce costs, and increase profits.

Merchants don’t want to pay their fair share for this service – and they want consumers to pick up their tab.

They are lobbying Congress for a sweetheart deal that will force consumers to foot the bill instead.

If merchants get their way...

Consumers will foot the bill.

If retailers succeed in their efforts, consumers like you will end up footing the bill.

Find out how consumers were harmed when similar regulation was passed in Australia »

Community banks and credit unions will be harmed.

If interchange was artificially lowered, these small financial institutions would have to make the difficult decision to either raise prices, or stop offering these card products – either option resulting in their customers going elsewhere.

Find out how this legislation will hurt community banks and credit unions »

Small businesses won’t be able to compete with large retailers.

Today’s global credit and debit system allows even the smallest kiosk on Main Street to compete on a level playing field with the world’s largest retailers.

Hear from small business owners about the benefits that they receive when they accept debit and credit cards »

Small businesses across the country will ultimately be harmed – not helped – by this legislation.

See how small businesses would be hurt by interchange legislation »

You pay your bills. Giant retailers should pay theirs, too.

Tell Congress you don’t want to pay retailers’ bills »