Discover Card Merchant $1.2B Class Action Settlement: Final Days to Claim

One week remains to file a claim in the Discover Card Merchant class action settlement, a $1.225 billion fund for businesses that accepted Discover cards between 2007 and 2023. The claim deadline is May 18, 2026.

Settlement Filing Deadline

The claim deadline for the Discover Card Merchant class action settlement is May 18, 2026. If you owned a business and it accepted, processed, or facilitated Discover card transactions at any point from 2007 through 2023, you may have a valid claim worth reviewing before that date passes.

If your business didn’t receive a notice from Epiq Global by mail or email, you can still register directly at www.DiscoverMerchantSettlement.com – you don’t need a pre-assigned Claimant ID to start a claim, but have records of your Discover card transaction history from the 2007 to 2023 period ready before you begin.

Full Settlement Details

The lawsuit centers on how Discover categorized certain consumer credit cards, including rewards cards, as “commercial” cards. This is one of several recent finance settlements.

That distinction mattered because interchange fees, the per-transaction fees paid when a customer swipes a card, can vary depending on the card type. Plaintiffs allege that Discover’s misclassification caused merchants and payment processors to pay higher fees than they should have for more than 15 years.

Discover denies any wrongdoing. The company agreed to the $1.225 billion settlement to avoid trial, not as an admission of liability. The court granted preliminary approval of the modified settlement agreement on July 30, 2025.

To understand exactly who qualifies and how individual payouts are calculated, see our earlier coverage: Discover’s $1.2 Billion Settlement: Why Merchants Are Suddenly Getting Paid for Old Swipe Fees.

The Discover Card Merchant settlement page also has further settlement details and settlement administrator contact information.

Three categories of businesses are covered by this settlement:

• End Merchants: Businesses that accepted Discover cards directly from customers as payment for goods or services between 2007 and 2023.
• Merchant Acquirers: Entities that had a formal agreement with Discover to facilitate Discover card transactions during that period.
• Payment Intermediaries: Businesses that processed Discover transactions on behalf of other merchants.

In all cases, your transactions must have included what the settlement calls “Misclassified Card Transactions,” meaning consumer cards that were incorrectly categorized as commercial cards.

The settlement fund of $1.225 billion will cover valid claims, attorney fees of up to $25 million, case expenses of up to $1 million, and service awards of up to $7,500 each for the class representatives who brought the case.

Payments to qualifying claimants will be at least $10, though individual amounts will depend on the volume and nature of a claimant’s Discover transactions. As a class action settlement, the final per-claimant distribution is determined after all valid claims are counted and approved by the court.

How to File

There are two ways to submit a claim before the May 18, 2026 deadline.

Claim Online

Visit www.DiscoverMerchantSettlement.com and use your Claimant ID and PIN to log in and file. If you didn’t receive a notice with those credentials, you can register directly on the site. Online submissions are timestamped automatically.

Claim by Mail

Download the claim form from the settlement website, complete it, and mail it to:

Discover Merchant Settlement
c/o Epiq Class Action
P.O. Box 2497
Portland, OR 97208-2497

The claim form is also accessible through the settlement site: submit your claim.

Who Is the Settlement Administrator?

The settlement administrator for this case (Case No. 1:23-cv-04676) is Epiq Global.

Questions about the process? The Discover Card Merchant settlement page has full details, and the settlement administrator can be contacted directly for case-specific questions.

Can You Still File? Discover Card Merchant Settlement FAQ