Merchants that accept one kind of Visa credit card wouldn’t have to accept all Visa credit cards, for example. Under the current talks, credit-card acceptance would be divided into several categories including rewards credit cards, credit cards with no rewards programs, and commercial cards, the people familiar with the matter said.
Some stores might turn away rewards cards, which charge them higher fees and in recent years have become very popular with consumers. But stores that reject those cards would face the risk of declining sales.
Visa / Mastercard 与商家阵营接近达成新和解：核心思路是把平均刷卡手续费（interchange）在未来几年小幅下调约0.1个百分点（目前多在2%–2.5%区间），并放松商家对卡种的接入/拒收裁量，例如有权拒收高费率的高返现/高里程卡；部分**附带对附加费/差异定价（surcharge/steering）**的规则更新。该和解仍需法院批准。(The Wall Street Journal)
“奖励卡可被拒收”的变化，可能重塑结账现场：如果更多商家行使“少收或不收高手续费奖励卡”的权利，消费者在柜台被要求换卡/换支付方式的场景会增多，从而影响里程/点数累积与发卡行获客策略。(The Wall Street Journal)
背景脉络：这是2005年发端的反垄断大战的又一轮解决尝试。2024年的一次“降费+限期封顶”方案曾被法官否决；近期还有针对芯片迁移/拒付规则的1.995亿美元子案和解，显示诉讼线索并行。(The Wall Street Journal)
