Regulatory & Legal Resources

Note: The Merchant Bill of Rights promotes fair credit and debit card processing practices on behalf of small and mid-sized business owners. However, we cannot provide specific advice or guidance on legal or contractual issues involving merchants, their customers, their processors or other parties. However, there are a number of useful web sites that provide helpful information about credit and debit card transaction regulations, chargeback disputes, Interchange litigation and law firms familiar with these issues.

Visa Resources

• Visa Merchant Operating Regulations
• Visa Interchange Rates
• Visa Chargebacks & Dispute Resolutions

MasterCard Resources

• MasterCard Merchant Rules - Includes information on chargebacks.
• MasterCard Interchange Rates

Interchange Resources

In addition to the Interchange rate tables published by Visa and MasterCard, there are several sources for information about this topic.

• General Information on Interchange & Related Topics

Legal Resources

Legal issues related to card processing frequently involve chargeback disputes between a merchant and a cardholder. Many of these cases are settled routinely, but others may require legal advice or representation. The Merchant Bill of Rights cannot provide specific advice or guidance on legal or contractual issues involving merchants, their customers, their processors or other parties. However, here is a list of several attorneys who specialize in payment industry issues published by The Green Sheet, a payments industry newsletter.

• The Green Sheet - Attorney suggestions.