The Discover Card Settlement is a $1.225 billion class action resolution addressing claims that Discover Financial Services misclassified certain merchant transactions by labeling consumer purchases as commercial. This misclassification is said to have resulted in higher interchange fees for businesses. Merchants that accepted Discover card payments between January 1, 2007, and December 31, 2023 may be eligible to receive compensation from the settlement fund.

Complete the form on our website, in a week or two, you should be able to check the status of your claim. Class members do not need to sign up for any third-party service to participate in the monetary relief. Free assistance is available from the Class Administrator and Class Counsel throughout the claims-filing process.

The official settlement website is available at: https://www.discovermerchantsettlement.com/Documents

The amount your business may receive will depend on various factors, including the volume of Discover Card transactions your business processed during the eligible period and the terms of the settlement. Generally, a higher transaction volume could result in a larger award.

Payments will be based on each merchant’s estimated interchange fee overcharges tied to their Discover Merchant IDs (MIDs), how those fees were shared among acquirers or intermediaries, and the total amount of valid claims. Full details are available in the Long Form Notice on the Documents page.

The deadline to submit a claim is May 18, 2026. File your claim today to determine your eligibility.

It's recommended to consult with a tax professional, as settlement payments might be considered taxable income.

You can submit claims for multiple eligible businesses, but we need an individual claim submission form for each.