If you accepted or processed Discover credit cards between 2007-2023, you could be eligible to get a payment from a class action settlement.
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Current Status

The Court-approved deadline to file claims passed on May 18, 2026. You may file your claim late, but we cannot guarantee that late claims will be considered.

On May 20, 2026, the Court held a Final Approval Hearing and granted final approval of the Settlement. For copies of the Final Approval Order and Final Judgment, click here.

The Settlement Administrator is processing claims, and payment allocation determinations for eligible Settlement Class Members will be made pursuant to the Settlement Agreement. In the coming weeks, the Settlement Administrator will be sending out notices regarding claim deficiencies. Please make sure to address any claim deficiency notice directed to you, as you must take immediate corrective action to cure any deficiencies associated with your claim(s). You may also receive a request for a proof of authority. Failure to respond to these notices may result in the denial of your claim(s). It is currently expected that notices regarding payment allocation determinations will be sent in late 2026.

Please check back for updates.

A proposed class action settlement has been reached in three related lawsuits, CAPP, Inc. v. Discover Financial Services, Case No. 1:23-cv-04676; Lemmo's Pizzeria, LLC v. Discover Financial Services, Case No. 1:23-cv-14250; and Support Animal Holdings, LLC v. Discover Financial Services, Case No. 1:23-cv-15297, pending in the U.S. District Court for the Northern District of Illinois.

The lawsuits allege that, beginning in 2007, defendants Discover Financial Services, DFS Services LLC, and Discover Bank (together, "Discover") misclassified certain Discover-issued consumer credit cards as commercial credit cards, which in turn caused merchants and others to incur excessive interchange fees. Discover denies the claims in the lawsuits, and the Court has not decided who is right or wrong. The parties have agreed to the settlement to avoid the expense, uncertainty, and risks associated with litigation. The proposed settlement, if approved, would resolve these lawsuits and provide benefits to Settlement Class Members, including those who submit claims and do not exclude themselves.

The "Settlement Class" is defined as: All End Merchants, Merchant Acquirers, and Payment Intermediaries involved in processing or accepting a Misclassified Card Transaction during the period from January 1, 2007 through December 31, 2023. Excluded from the Settlement Class are certain people and entities listed on Exhibit A to the Settlement Agreement.

Several important terms are summarized below. Please refer to the Settlement Agreement for the complete definition of these and other defined terms.

  • An "End Merchant" is an individual or business entity that during 2007-2023 accepted a Discover Bank-issued credit card directly from a person as payment in return for the delivery of goods or services. For purposes of this settlement, there are four different types of End Merchants: Indirect End Merchant, Inactive Direct End Merchant, Managed Active Direct End Merchant, and Unmanaged Active Direct End Merchant.
  • A "Merchant Acquirer" is a business entity that during 2007-2023 had an agreement with Discover to facilitate Discover credit card transactions and was characterized by Discover's rules and regulations as an "Acquirer."
  • A "Payment Intermediary" is a business entity that during 2007-2023 processed Discover credit card transactions on behalf of other businesses, but that is neither an End Merchant nor a Merchant Acquirer.
  • A "Misclassified Card Transaction" means a Discover credit card transaction in which, at the time of processing and according to the records of Discover, the credit card account was classified by Discover Bank as a "commercial" credit card but should have been classified as a consumer credit card (i.e., a "rewards," "premium," or "premium plus" card).