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.
Record a video telling the story of how credit cards and electronic payments are critical to your business.
Send a letter to share how our credit card system benefits you and your small business.
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
When new proposals that could affect how businesses manage operations and serve our customers come out of Washington, I pay close attention. One such proposal is the Durbin-Marshall Credit Card Mandates, also known as the Credit Card Competition Act.
As the proud owner of Appalachian Oddities, a small shop in the heart of Weston, I’ve built my business the way many small-town entrepreneurs have—through long hours, honest work, and, yes, access to credit. That’s why I’m deeply concerned about the Credit Card Competition Act (CCCA), a bill being promoted under the guise of “lowering fees” but one that, in reality, threatens the financial foundation of small businesses and working families like mine.
New data from the Small Business Payments Alliance once again reaffirms the value of credit cards for small businesses. According to consumer surveys and research gathered over the first quarter of 2025, small businesses rely on credit cards to drive sales and expand growth. Small businesses also rely on electronic payments to protect against fraud and unlock e-commerce opportunities.
When I founded Assured Flooring & Countertops in Louisiana two decades ago, I never imagined how vital credit card rewards would become to our operations. Today, they’re a critical tool for managing our expenses and staying competitive.
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.
