Discover Card Merchant Class Action Settlement

The complete terms of the proposed settlement are set forth in the Settlement Agreement, which is available at the Documents tab. The long form notice, also available at the Documents tab, provides a summary of the terms of the Settlement Agreement.

The Settlement Administrator will issue payments to eligible Settlement Class Members who submitted valid claims and/or timely cure defects present in their claim(s).

Yes. If you submitted a timely and valid claim and provided additional information to the extent required, before settlement payments are issued, the Settlement Administrator will provide you with a determination notice with your settlement payment amount, and you will be given the option to challenge such amount by providing additional documentation for the Settlement Administrator’s consideration.

A MID Amount is an estimate of the interchange fee overcharge, as determined using the methodology detailed in the Long Form Notice and Settlement Agreement, for a Discover merchant identifier (called a “MID”). The MID Amount should not be confused with the settlement payment amount, which could vary greatly. The settlement payment amount will depend on a variety of factors, including the Merchant Acquirer (if any), Payment Intermediaries (if any), and End Merchant(s) associated with a particular MID and how interchange fee charges for each MID are allocated among claimants associated with the same MID. It is possible that Epiq will not know what MID or MIDs are associated with your business until after it receives additional information from Merchant Acquirers and Payment Intermediaries, which is a process that will span several months. Before settlement payment amounts are finalized, Epiq will send you a determination letter explaining how any interchange fee overcharges associated with your business were allocated and you will have the opportunity to dispute that allocation.

With limited exceptions, to receive a settlement payment, a claim must have been submitted. No new claims are being accepted at this time.

Settlement payments will be issued after all processing activities are complete and are expected to commence no earlier than February 2027. Actions like objections and appeals may extend the timeline. Continue to check this website for updates.

Settlement checks will be valid for 120 days after they are issued. For any settlement payment checks that are not timely cashed or cannot be successfully delivered following reasonable efforts by the Settlement Administrator, those residual amounts will be distributed to a non-profit educational or public benefit organization as a cy pres recipient to be proposed by Settlement Class Counsel with input from Discover, subject to Court approval.

The settlement covers Misclassified Card Transactions during the period from January 1, 2007 through December 31, 2023.

The deadline to file claims was May 18, 2026. No new claims are being accepted at this time.

No, it was free to file a claim. The deadline to file claims was May 18, 2026. No new claims are being accepted at this time.

If you submitted a claim online, you should have received a confirmation code on the submission page and a copy should have been sent to the email address you used for registration. Be sure to check Junk or SPAM inboxes if you do not see the confirmation email.

It is possible that you registered on the settlement website but did not submit a claim. Please note that registering is not the same as filing a claim. Please be aware, the Court-approved deadline to file claims passed on May 18, 2026. No new claims are being accepted at this time.

We are no longer able to resend the notices. The Court-approved deadline to file claims passed on May 18, 2026. No new claims are being accepted at this time.

If you or your businesses qualify as more than one Settlement Class Member type, or use multiple Taxpayer Identification Numbers, you may receive more than one notice about this settlement with instructions pertaining to more than one unique Claimant ID and PIN. To receive the full amount of any payment to which you are entitled, please follow the instructions for each unique Claimant ID and PIN you receive.

To administer the settlement effectively, we have grouped data on a TIN-by-TIN basis, where a TIN was available in the merchant records received by the Settlement Administrator. A unique record was created for each TIN or business name, and only the transactional data associated with that TIN is available on that record. Alternatively, you may have received multiple notices because your business qualified under more than one merchant type. Furthermore, there may be instances where later received data yields additional MID associations for your business. Please note we are not able to combine transactional data from multiple TINs under one claim.

Please be aware, the Court-approved deadline to file claims passed on May 18, 2026. No new claims are being accepted at this time.

A separate claim must have been submitted for each unique taxpayer ID before any additional Claimant ID and PIN combinations could be associated.

You can login to the claimant portal using the email address and password you entered when you filed your claim.

You can login to the claimant portal using the email address and password you entered when you filed your claim. Select the Claim ID you need to update the payment information on from the filed claims list on the My Claims page. Once on the Claim Detail page, there will be a section where payment information can be updated.

You cannot delete or withdraw a claim you already submitted.

The Court-approved deadline to file claims passed on May 18, 2026. No new claims are being accepted at this time.

If you go to www.DiscoverMerchantSettlement.com, in the Documents tab, you can download copies of the Long Form Notice that have been translated into Korean, Thai, Russian, Vietnamese, Chinese, Spanish, or Japanese.

The Claimant ID is a unique alphanumeric code created for your business by the Settlement Administrator. The Claimant ID is linked to a unique TIN in the data Epiq received from Discover or another source.

Most Settlement Class Members are Indirect End Merchants.

Most Settlement Class Members are Indirect End Merchants.

To receive a settlement payment as an Inactive Direct End Merchant, a claim must have been submitted. Please be aware, the Court-approved deadline to file claims passed on May 18, 2026. No new claims are being accepted at this time.

An Active Direct End Merchant is an End Merchant that (a) has a current written contractual relationship directly with Discover to accept Discover credit cards and that has processed a Discover credit card transaction at any time since May 1, 2025, or (b) had a written contractual relationship directly with Discover to accept Discover credit cards at one point between 2007 and 2023 and that the Settlement Administrator has determined to a reasonable degree of confidence was still in operation as of July 30, 2025.

To receive payment, you must have provided your payment information (where you want the payment sent) to the Settlement Administrator and confirmed the proper entity to receive payment. Please be aware, the Court-approved deadline to file claims passed on May 18, 2026. No new claims are being accepted at this time.

An Active Direct End Merchant is an End Merchant that (a) has a current written contractual relationship directly with Discover to accept Discover credit cards and that has processed a Discover credit card transaction at any time since May 1, 2025, or (b) had a written contractual relationship directly with Discover to accept Discover credit cards at one point between 2007 and 2023 and that the Settlement Administrator has determined to a reasonable degree of confidence was still in operation as of July 30, 2025. Written contractual relationships directly with Discover are relatively uncommon.

You have already been deemed payment eligible. Once payment determinations are made, a payment will be sent to you at the address on file with the Settlement Administrator.

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.”

To receive a settlement payment as a Merchant Acquirer, you must do both of the following:

1. You must submit additional information, called your “Merchant Acquirer Information,” to the Settlement Administrator.
   • The Settlement Administrator will provide all identified Merchant Acquirers a letter that includes a recommended data layout for the required Merchant Acquirer Information component fields and options for how this information may be securely submitted to the Settlement Administrator. You can also view this information athttps://www.DiscoverMerchantSettlement.com/DataInfo.
   • If you would like to receive another copy of this letter, please let us know.
2. You must have also submitted a claim. Please be aware, the Court-approved deadline to file claims passed on May 18, 2026. No new claims are being accepted at this time.

A Payment Intermediary is a business entity (or portion of that entity’s business) that during the Relevant Period processed a Discover Credit Card Transaction on behalf of a Downstream Entity but is neither a Merchant Acquirer nor an End Merchant. That means that your business (or a portion of your business) processed Discover credit card transactions on behalf of other businesses, but you were not classified in Discover’s records as an “Acquirer” and you processed the credit card transactions on behalf of other businesses or people that sold goods or services directly to consumers.

• Must be submitted online or by mail
• Must include “Subject: Payment Intermediary Status”
• Must include the legal name of your organization including any divisions or subsidiaries that are wholly owned or operated by you and any of your predecessors, including any firms that were acquired, that accepted, acquired, or processed Discover Credit Card Transactions between 2007-2023
• Must include an explanation of why you believe your organization is not a Payment Intermediary.

A Payment Intermediary is a business entity that during 2007-2023 processed Discover credit card transactions on behalf of another business, but that is neither an End Merchant nor a Merchant Acquirer. That means that your business (or a portion of your business) processed Discover credit card transactions on behalf of other businesses, but you were not classified in Discover’s records as an “Acquirer” and you processed the credit card transactions on behalf of other businesses or people that sold goods or services directly to consumers.

To receive a settlement payment as a Payment Intermediary, you must do both of the following:

1. You must submit additional information, called your “Payment Intermediary Information,” to the Settlement Administrator.
   • The Settlement Administrator will provide all identified Payment Intermediaries a letter that includes a recommended data layout for the required Payment Intermediary Information component fields and options for how this information may be securely submitted to the Settlement Administrator. You can also view this information at https://www.DiscoverMerchantSettlement.com/DataInfo.
   • If you would like to receive another copy of this letter, please let us know.
2. You must have also submitted a claim . Please be aware, the Court-approved deadline to file claims passed on May 18,2026. No new claims are being accepted at this time.

In certain limited circumstances, a single entity may be multiple Settlement Class Member types. For example, a single entity could be a Payment Intermediary for one time period or as to certain portions of its business and an End Merchant for another time period or other portions of its business. If your legal entity is multiple Settlement Class Member types, you were required to fulfill the claim requirements for each respective Settlement Class Member type when you submitted your claim to receive all payments you may be eligible for under the settlement.

The Court has appointed the following attorneys and law firms to represent the Settlement Class. Together, these lawyers are called “Settlement Class Counsel”. Their names and addresses are:

1. Roger N. Heller, Lieff Cabraser Heimann & Bernstein LLP, 275 Battery Street, 29th Floor San Francisco, CA 94111;
2. Catherine Pratsinakis, Dilworth Paxson LLP, 1650 Market Street, Ste. 1200, Philadelphia, PA 19103-7391; and,
3. Taras Kick, The Kick Law Firm, APC, 815 Moraga Drive, Los Angeles, CA 90049.

You do not have to pay Settlement Class Counsel out of your pocket for their time or expenses incurred in this case. Instead, Settlement Class Counsel will ask the Court for an award of their fees and expenses.

Under the terms of the settlement, any amounts awarded by the Court to Settlement Class Counsel and Settlement Class Representatives will be paid by Discover separate from (in other words, in addition to) settlement payments paid to Settlement Class Members. This means that payments approved by the Court to Settlement Class Counsel and Settlement Class Representatives will not affect the amount of any Settlement Class Member’s payment.

No. Any payments approved by the Court to Settlement Class Counsel and Settlement Class Representatives will not affect the amount of any Settlement Class Member’s payment.

You do not need to hire your own lawyer because the Court has appointed Settlement Class Counsel to represent you and the other members of the Settlement Class. However, you have the right to hire your own lawyer. If you want your own lawyer separate from Settlement Class Counsel, you will have to pay that lawyer.

If you did not request exclusion from the Settlement by March 25, 2026 or file a claim, you will be legally bound by all of the orders that the Court issues and judgments the Court makes in these lawsuits, give up any right you may have to sue Discover for claims raised in these lawsuits and related to the Misclassified Card Transactions against Discover and its affiliates, and you will not receive any settlement payment unless you are an Unmanaged Active Direct End Merchant.

If you did not exclude yourself, you gave up any right you may have to sue Discover about the claims in these lawsuits or related to the Misclassified Card Transactions.

The deadline to opt out or exclude yourself was March 25, 2026 and has now passed.

The deadline to object or comment was March 25, 2026 and has now passed.

Any Settlement Class Member who did not timely and validly submit an objection waived the right to object or be heard at the Final Approval Hearing.

If you are a member of the Settlement Class and did not exclude yourself in a timely and valid manner, you will have released the claims in the three lawsuits and claims related to the Misclassified Card Transactions against Discover and its affiliates, as detailed in the Settlement Agreement. The Settlement Agreement, available at www.DiscoverMerchantSettlement.com, describes the claims you are releasing (giving up) by staying in the Settlement Class (called “Released Claims”).

On May 20, 2026, the Court held a Final Approval Hearing and granted final approval of the Settlement. A copy of the Final Order may be found on the Documents tab.

More information can be found at www.DiscoverMerchantSettlement.com.

• Important case deadlines,
• links to case documents including the Settlement Agreement,
• the complaints in these lawsuits, and other information about the lawsuits and the settlement.

Please call our Call Center at 888-655-3176 so one of our agents can create an escalation for you.

As the Settlement Administrator, we are a neutral third party and cannot offer tax advice. You may want to check with your tax preparer or accountant for any requirements.

Both TIN (Tax Identification Number) and EIN (Employer Identification Number) refer to a nine-digit number issued by the IRS to identify an entity, either a business entity such as an LLC or Corporation, or entities like a Trust or an Estate of a Deceased Individual. Social Security Numbers are a different nine-digit number issued by the Social Security Administration. Some small business owners use their SSN as the TIN/EIN.

You are welcome to submit a Form W-9, as it may be necessary, depending on your settlement payment amount. As the Settlement Administrator, we are a neutral third party and cannot offer tax advice. You may want to check with your tax preparer or accountant for any requirements.

An EIN or FEIN is a Federal Employer Identification Number, which is the official name of the taxpayer ID number issued by the Internal Revenue Service to an entity doing business in the US.

If you filed a web claim form:

• Representative Name
• Representative Title
• Phone Number

1. Tax ID (EIN, TIN, or SSN)
2. Correspondent’s position in the company
3. Previous and/or incorrect mailing address
4. New Address
5. Correspondent’s signature.

If you are not the intended recipient, please securely destroy the mail you received or mark it “return to sender” and place it back in your mailbox.

Changes in business due to sale can be complicated and could affect eligibility to receive a settlement payment. The contract of sale of the business would dictate whether you retained your rights and privileges to participate in litigation concerning the time you owned the business. If you have questions about your specific eligibility, you will need to consult the contract of sale between you and the new owner. Consulting an attorney, including potentially the attorney who helped with the sale of your business, may also be helpful.

Changes in business due to bankruptcy can be complicated and could affect eligibility to receive a settlement payment. If there is a dispute over whether or not you are entitled to settlement proceeds, additional information may be requested by the Settlement Administrator.

Simply closing a business should not impact eligibility for Class Members. If there is a dispute over whether or not you are entitled to settlement proceeds, additional information, may be requested by the Settlement Administrator.

Changes in business due to a deceased owner can be complicated and could affect eligibility to receive a settlement payment.

• the Death Certificate; or
• any estate document showing that you have authority to act on behalf of the estate of the deceased.

Currently, the value of your claim is not known as the Settlement Administrator is still reviewing information from Merchant Acquirers and Payment Intermediaries necessary to complete allocations and make a determination of each eligible Settlement Class Member’s settlement payment.

The Settlement provides for a minimum payment of $10, subject to an aggregate Settlement Base Payment cap of $50 million. In other words, if an eligible Settlement Class Member’s settlement payment is less than $10, that payment will be increased to a minimum of $10, subject to the cap. Please refer to the Long Form Notice and Settlement Agreement for more information about Settlement Base Payments and the Settlement Base Payment Maximum.

The Court has appointed Epiq as the Settlement Administrator to assist you at no cost to you.