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.
Tell Congress to protect your credit card and oppose the so-called Credit Card Competition Act with a personalized video.
Write an op-ed to share how our credit card system benefits you and your small business.
Marie Westbrook, 35
Owner of Le Petit Bakery
Jeremy Ranbull, 58
Director of InGenew Dance Studios
Leslie Ardiff, 63
CEO of Pinpoint Factories
Jasmine O’Deveaux, 47
Founder of Point Bit Bout Inc.
Small businesses across the country are increasingly leveraging credit card rewards as a strategic tool to stretch budgets, manage cash flow, and reinvest in growth. From cashback on everyday purchases to travel points and discounts on essential services, credit card rewards programs have evolved beyond consumer perks into valuable business resources.
Running a coffeehouse may look simple from the outside, but anyone who has stood behindthe counter knows how complex it really is. At Coffee By Design, we’re not just making coffee. We’re managing a nonstop flow of customers on their way to work, parents juggling kids, students racing to class and visitors passing through Portland.
For more than 40 years, Oak Ridge Builders has been serving customers in Iowa. Running a construction company means dealing with big jobs and big numbers. Whether it is ordering materials, paying subcontractors, or making sure payroll is covered on time, money has to move quickly and reliably.
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.
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.
The Durbin-Marshall credit card bill was introduced last year in Congress as the “Credit Card Competition Act” (CCCA), and the bill’s sponsors are pushing for a vote this fall. The proposed legislation is a direct threat to the electronic payments and rewards system and would have a major negative impact on small business owners who use credit cards and rewards to support their businesses. Despite its name, the legislation would circumvent the competitive market with a new government routing mandate that would dictate processing networks, without regard to security or quality.
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.
This research note finds the proposed Credit Card Competition Act (CCCA) will likely generate between $13 billion and $15 billion in transfers to merchants from financial institutions and consumers. However, this distributional analysis finds almost all of those savings will accrue to retailers with $500 million in sales or more—none of which constitute small businesses under the Small Business Administration’s (SBA) definition.
Small businesses across the country are increasingly leveraging credit card rewards as a strategic tool to stretch budgets, manage cash flow, and reinvest in growth. From cashback on everyday purchases to travel points and discounts on essential services, credit card rewards programs have evolved beyond consumer perks into valuable business resources.
Running a coffeehouse may look simple from the outside, but anyone who has stood behindthe counter knows how complex it really is. At Coffee By Design, we’re not just making coffee. We’re managing a nonstop flow of customers on their way to work, parents juggling kids, students racing to class and visitors passing through Portland.
For more than 40 years, Oak Ridge Builders has been serving customers in Iowa. Running a construction company means dealing with big jobs and big numbers. Whether it is ordering materials, paying subcontractors, or making sure payroll is covered on time, money has to move quickly and reliably.
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.
