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SBPA is fighting to ensure the payments system keeps working for all of us.

$100 Billion

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

5X

$80 Billion

In 2021, our electronic payment system stopped $80 billion in fraud attempts

Maintaining a modern, safe, and secure electronic payments ecosystem

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 amass rewards points 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.

TAKE ACTION

Washington needs to hear from you, not just the big box retailers who stand to benefit the most. Tell Congress how important credit cards and our electronic payments system are to your business operations.

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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.

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Opinion | Credit card proposal would hurt small businesses, consumers

A few years ago, I took the leap and started Asche Woodworking here in Wisconsin,
turning my passion for crafting custom furniture and cabinetry into a small business.
Like many entrepreneurs, I've learned that success depends on adapting to how
customers want to do business. In this day and age, that means accepting credit card
payments.

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Don’t let Congress pull the plug on credit: Credit Card Competition Act will hurt small businesses

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.

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NATIONAL SMALL BUSINESS WEEK ANNUAL REPORT

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.

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Electronic Payments Quarterly Data Dashboard

Consumers prefer using electronic payments when making purchases at small businesses. As consumer preferences continue to shift towards using cards and digital payment apps
over cash, small businesses that accept these payments offer a better customer experience and generate higher sales, allowing them to better compete with larger firms.

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