The August 2025 court ruling vacating the Federal Reserve’s regulations on debit card interchange fees under the Durbin Amendment could reshape payment processing for U.S. merchants. Designed to keep “swipe fees” reasonable and encourage competition, the Durbin Amendment has long affected how businesses manage debit transactions. With the ruling creating uncertainty and the Fed expected to appeal, small businesses should review their current payment processing setup. Lower rates and greater control, especially when moving beyond one-size-fits-all providers like Square, may offer immediate advantages in reducing costs and protecting margins.

Chargebacks can cost small businesses more than just a sale. Learn what chargebacks are, how to prevent them, and how to handle disputes confidently. Includes actionable tips and FAQs.

Discover why Square is a top choice for small businesses and startups and how to know when it’s time to upgrade. Learn the pros, cons, and signs you’ve outgrown Square.