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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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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.

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SMALL BUSINESS CREDIT CARD 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 2024, credit cards continue to provide crucial benefits to small businesses.

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SMALL BUSINESS ELECTRONIC PAYMENTS STATUS REPORT

Small businesses are the backbone of the American economy. The nation’s 33.3 million small businesses employ 61.6 million Americans – almost 46 percent of the private sector workforce. Small businesses across the country rely on credit cards and rewards to lower operating costs, re-invest in their businesses and employees, manage cash flow, and give customers more choice, security, and convenience in how they pay.

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SMALL BUSINESS ELECTRONIC PAYMENTS STATUS REPORT – RHODE ISLAND

Small businesses are the backbone of Rhode Island’s economy. Rhode Island’s more than 105,000 small businesses employ approximately 228,000 Rhode Island residents – more than 51 percent of the state’s private sector workforce. Small businesses in Rhode Island rely on credit cards and rewards to lower operating costs, re-invest in their businesses and employees, manage cash flow, and give customers more choice, security, and convenience in how they pay.

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