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

Marries Gomez, 24-7 Nursing Care

Daniel Maloney, Sol Cacao

Dawn Kelly, Nourish Spot

Tiffini Gatlin, Latched and Hooked

Grant Reynolds, Parcelle Wine

Michelle Cadore, Da Spot NYC

Bryan De Bruin, VanRock Holdings

In the news

SBPA Statement on Small Business Credit Card Agreement

The Small Business Payments Alliance welcomes the preliminary approval of the Visa and Mastercard Small Business Credit Card Agreement and the certainty it provides for millions of small businesses that depend on credit cards every day.

Small Business Owners Applaud Governor Polis’ Veto

Colorado members of the Small Business Payments Alliance (SBPA) applauded Governor Jared Polis’ decision to veto legislation that would have caused chaos for small businesses across Colorado. Small business owners across the state have mobilized against the bill, SB 26-134, based on concerns about its impact on local businesses that depend on credit cards and credit card rewards.

SBPA NATIONAL SMALL BUSINESS WEEK REPORT 2026

National Small Business Week Report: Credit Cards Deliver 121% ROI, $26,000 in Annual Benefits for Small Businesses Washington, DC — The Small Business Payments Alliance

The Benefits of Accepting Credit Cards

Accepting credit cards provides merchants unique benefits that generate significant
net value above and beyond the cost of acceptance.

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.