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

The Credit Card Competition Act would harm Missouri’s small businesses

The Missouri Independent
By Ashley Nordman
Owner of AN Skin & Beauty

SMALL BUSINESS ELECTRONIC PAYMENTS STATUS REPORT

Small businesses are the backbone of the American economy.

Protect small business from unintended consequences of bad legislation

Brooklyn Paper
By Michelle Cadore
Owner of DA SPOT

The proposed Credit Card Competition Act (CCCA) is not good for small business

MidlandsBiz
By Chris Merritt
Owner of Merritt Roofing

Protecting the electronic payments system for small business

amNY
By Tammeca Rochester
Owner and founder of Harlem Cycle

Don't Kill Credit Card Rewards

The Detroit News
By David Collado
President and Co-Owner of Happy Howie's, a dog treat company based in Detroit.

Small Business Owners Join Forces to Protect Electronic Payments System, Oppose Bad Policy

Credit card issuers spend an estimated $100 billion on rewards and partner payments, funding the cash back and points programs small businesses need

Customers spend 5x more when using credit cards vs. cash

Previous slide

Next slide

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.

Small Business Voices

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

Small Business Owners Submit Testimony for Senate Judiciary Committee on Credit Card Mandates

SBPA members outline opposition to Durbin-Marshall Bill during Judiciary hearing.

Small Business Payments Alliance November 19, 2024

Small Business Owners Share Message to Congress Ahead of Upcoming Congressional Hearing

Small business owners outline benefits of secure payment networks and discuss harm of Durbin-Marshall mandates

Small Business Payments Alliance November 18, 2024

New Report Affirms Value of Credit Cards for Small Business

The Small Business Payments Alliance (SBPA) issued a report today containing new data that affirms the value of credit cards for small businesses. According to consumer surveys and new research conducted over the first quarter of 2024, credit cards remain a top funding source for small and medium-sized businesses.

sbpastg June 11, 2024

Small Businesses Oppose Durbin-Marshall Style Credit Card Mandates

The Small Business Payments Alliance (SBPA) issued a report today featuring new polling data on the importance of credit cards and electronic payments for small business.

Small Business Payments Alliance April 29, 2024

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.