Discover Card Merchant Class Action Settlement
Merchants who accepted Discover cards between 2007 and 2023 and paid excessive fees due to card misclassification.
Settlement Closed
Who’s Eligible
You are eligible if you fall into one of these groups between Jan 1, 2007 and Dec 31, 2023:
- End Merchants: Businesses that accepted Discover cards directly.
- Merchant Acquirers: Entities with agreements to facilitate Discover transactions.
- Payment Intermediaries: Entities that processed Discover transactions for others.
- Your transactions must have included ‘Misclassified Card Transactions’ (consumer cards wrongly listed as commercial).
Eligible States
Claim Deadline
What You Need to Do to Get Paid
Online: Visit www.DiscoverMerchantSettlement.com and use your Claimant ID and PIN to file. If you don’t have one, you can register on the site.
Mail: Download the Claim Form from the website and mail it to: Discover Merchant Settlement, c/o Epiq Class Action, P.O. Box 2497, Portland, OR 97208-2497.
Most eligible merchants will receive a notice with a Claimant ID and PIN to file online. If you do not have a code, you can still register and file by providing your business details.
Settlement Payout
Payments depend on the amount of interchange fees you paid. All valid claims will receive at least $10. The fund will pay out between $540 million and $1.225 billion.
The $1.225 billion fund will be used to pay:
- Valid Claims: Payments to merchants who were overcharged.
- Lawyer Fees: Up to $25 million.
- Expenses: Up to $1 million.
- Service Awards: Up to $7,500 each for the Class Representatives.
Background of the Lawsuit
Plaintiffs allege that Discover misclassified certain consumer credit cards (like rewards cards) as ‘commercial’ cards. This misclassification allegedly caused merchants to pay higher interchange fees than they should have between 2007 and 2023. Discover denies any wrongdoing but agreed to settle to avoid trial.
Frequently Asked Questions
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Disclaimer
The information on this website is free to access and provided for general educational and informational purposes only. It is not legal advice. We summarise settlement information from official notices, court documents, settlement websites, administrators, and other primary sources where available.
Settlement details and deadlines may change. Always refer to the official settlement website or consult a licensed attorney for advice specific to your situation.
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