The Small Business Payments Alliance (SBPA) is a coalition of independent businesses, entrepreneurs, and tradespeople who know the value of the electronic payments system for business and consumers. Our members 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. The modern, safe, and secure payments ecosystem is critical to our members’ success and contributions to local communities across the country.