Did You Pay More Than You Should Have?
How a $1.2 Billion Discover Card Settlement Could Put Money Back in Your Pocket — Even If You Never Knew You Overpaid
Sometimes the biggest injustices don’t shout — they whisper through everyday swipes and “Pay Now” clicks. For thousands of small business owners, boutique shopkeepers, freelancers, and mom-and-pop stores, that quiet swipe may have cost more than anyone realized… until now.
Between January 1, 2007 and December 31, 2023, some Discover credit card transactions were allegedly misclassified as commercial cards—a category with higher interchange fees. If you accepted Discover payments (even via PayPal, Stripe, Square, Shopify, Toast, and others), those extra pennies may have chipped away at your profit on every sale.
A $1.225 billion settlement seeks to make that right, with at least $540 million allocated to be distributed to the class.
File your claim at the official site: DiscoverMerchantSettlement.com
Submit Your ClaimWho’s Eligible?
You likely qualify if you accepted or processed Discover credit card payments anytime from 2007–2023 as an:
- End Merchant (in-store or online)
- Merchant Acquirer
- Payment Intermediary (including platforms like PayPal, Stripe, Square, Shopify, Toast, etc.)
No need to have spotted the misclassification yourself—this settlement is designed to account for it.
Key Dates (Don’t Miss These!)
Claim Form Available
Portal opens; supporting documentation may be requested.
Claim Deadline
Submit before the deadline to be considered for payment.
What Might You Receive?
The settlement total is $1.225 billion, with a minimum of $540 million to be distributed to class members. Your payout depends on factors like transaction volume/fees and the number of claims submitted.
Why This Matters (Beyond the Money)
Think of every latte poured, every handmade candle wrapped, every coaching session delivered with care. If a few cents were taken from you without your knowledge, you deserve them back—not just as a refund, but as recognition that your work and transparency matter.
How to File
- Go to the official settlement site: https://www.discovermerchantsettlement.com/
- When available (from Sept 11, 2025), complete the online claim form.
- Be ready to provide supporting documentation if requested after the portal opens.
- Submit your claim before May 18, 2026.
Ready? Reclaim what may be yours: File Your Claim
Note: This article is informational and not legal advice. For specifics about your eligibility or documentation, consult the official settlement website or your legal advisor.
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