The Small Business Payments Alliance is working to ensure the electronic payments system continues to deliver for American small businesses.

What's at stake

The Credit Card Competition Act is a direct threat to our electronic payments system and the locally owned, independent businesses, entrepreneurs, and tradespeople who use and accept credit cards.

The CCCA Would:

dramatically reduce credit card rewards.

compromise fraud protection & cybersecurity.

reduce access to capital and credit.

Take action

Congress needs to hear from you, not just the mega retailers who will solely benefit from this policy. Tell Congress how important credit cards and the electronic payments system are to American businesses and employees.

Submit a Video

Record a video telling the story of how credit cards and electronic payments are critical to your business.

send a Letter

Send a letter to share how our credit card system benefits you and your small business.

Small Business Voices

TJ Tillman, Outcast Doughnuts

Kayla Brooks and Theresa Bostic, Kayla’s Italian Ice

Tammeca Rochester, Harlem Cycling

Kenneth and Jeannette Flores Katz, Buenos Dias Cafe

Play Video

Marries Gomez, 24-7 Nursing Care

Play Video

Daniel Maloney, Sol Cacao

Play Video

Dawn Kelly, Nourish Spot

Play Video

Tiffini Gatlin, Latched and Hooked

Play Video

Grant Reynolds, Parcelle Wine

Play Video

Michelle Cadore, Da Spot NYC

Play Video

Bryan De Bruin, VanRock Holdings

In the news

SBPA SMALL BUSINESS REPORT: CREDIT CARD REWARDS 

Small businesses across the country are increasingly leveraging credit card rewards as a strategic tool to stretch budgets, manage cash flow, and reinvest in growth. From cashback on everyday purchases to travel points and discounts on essential services, credit card rewards programs have evolved beyond consumer perks into valuable business resources.

Proposed credit card mandates would harm Maine’s small businesses | Opinion

Running a coffeehouse may look simple from the outside, but anyone who has stood behindthe counter knows how complex it really is. At Coffee By Design, we’re not just making coffee. We’re managing a nonstop flow of customers on their way to work, parents juggling kids, students racing to class and visitors passing through Portland.

OPINION: Don’t let Congress disrupt the tools small businesses rely on

When I opened Burque Throwdown just south of Downtown Albuquerque, I didn’t simply want to build a business — I wanted to build community. That’s why at our pottery school and studio, we welcome people from all over to slow down, get their hands dirty and create something beautiful in clay. Located between Downtown and the historic Barelas neighborhood, the studio has become more than just a place to create and learn. It’s become a gathering space — a place to make friends, unwind and feel a sense of connection.

Protecting the modern, safe and secure electronic payments system

SBPA was formed in the wake of proposed changes to the electronic payments system that will jeopardize credit card access and benefits. Tradespeople, entrepreneurs, and locally-owned, independent businesses alike use credit cards to support their workers, manage their cash flow, cover operating costs, and collect rewards to re-invest in their businesses. Credit cards also ensure that their customers can make safe, secure, and convenient payments. The current competitive, free market credit card ecosystem provides major benefits to both small businesses and American consumers, and we’re making sure it stays that way.