Electronic Payments Coalition

IT’S NOT YOUR CARD: Unpacking the Costs that Actually Crush Small Restaurants

Contrary to claims made by corporate mega-stores, the data demonstrates credit card interchange rates, which have remained stable for nearly a decade, are not a contributing factor to these hardships.

A new explainer document from the Electronic Payments Coalition (EPC) titled “IT’S NOT YOUR CARD: Unpacking the Costs that Actually Crush Small Restaurants” highlights the surging labor costs, skyrocketing prices of goods, and escalating rents squeezing small restaurant owners.

Updated last: 
December 16, 2025

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