Merchants have long shouldered these “swipe fees,” the catchall term for businesses’ payments to banks and card companies each time customers swipe. While a federal rule caps debit card swipe fees at 21 cents per transaction, those for credit cards can be much higher. The card network raised two of the credit card swipe fees it charges banks and processing companies on Jan. 1. The group is pushing for more transparency with credit card fees, more competition among networks and lower fees. Patz Deli in Manchester, New Hampshire, charges customers a 4% convenience fee for credit card transactions to cover the costs of processing fees and credit card equipment.

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Persons: Christian Baca, “, Cash, Nilson, ”, Matt Schulz, Doug Kantor, haven’t, it’s, Pat Burns, ” Burns, Dick Durbin, Roger Marshall, LendingTree’s Schulz Organizations: Merchants, Federal, American Express, Discover, Mastercard, NBC News, Visa, LendingTree, Merchants Payments Coalition, Merchants Payments, National Association of Convenience Stores, Electronic Payments Coalition, “, Consumer, The, Sens Locations: Marmaroneck, White Plains , New York, U.S, Manchester , New Hampshire