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.

Start accepting payments the smart way.

Whether you're launching a retail shop, managing a service-based business, or building an online brand, accepting credit and debit cards is a must. This beginner-friendly guide walks you through the essentials—from setting up a merchant account to choosing the right payment processor and understanding transaction fees. Learn how to protect customer data, reduce costs, and make informed decisions for your business.

Ideal for: new business owners, startups, and entrepreneurs looking for secure, scalable payment solutions.

Discover how Interchange Fees are impacting your businesses in 2025 and learn actionable strategies to reduce them. Learn what Interchange Fees are, how they work and how you can keep more of what you earn. Optimize your payment processing today with PayStream.

Discover how rising credit card processing fees are impacting businesses in 2025 and learn actionable strategies to reduce costs. Explore PayStream's expert insights on fee structures, cost-saving tips, and the latest payment trends to protect your bottom line. Optimize your payment processing today!