Electronic Payments Coalition

Interchange and Small Businesses

Some retail industry groups like to claim that interchange fees are one of the highest costs facing small businesses. This claim, however, is false. The report below analyzes the costs and benefits of credit and debit card acceptance, finding that the benefits of electronic payments clearly outweigh the costs.

[pdfviewer width="100%" height="750px" beta="true/false"]https://electronicpaymentscoalition.org/wp-content/uploads/2022/11/EPC.SmallBizCostStructure.WriteUp.V202.pdf[/pdfviewer]

Get the Latest Updates Delivered to Your Inbox

By submitting you agree to our Terms & Conditions

More Updates

© 2026 Electronic Payments Coalition. All rights reserved.
})