Discover overcharged your business.
You may be owed money.
A $1.225 Billion settlement fund has been created for merchants who accepted Discover credit cards between 2007 and 2023.
If your business was overcharged, RMS will file your claim at no upfront cost. We only get paid when you do.
Filing deadline: May 18, 2026 · Process takes less than 5 minutes
1,750+ Businesses Helped
We successfully represented over 1,750 merchants in the Visa/Mastercard settlement.
No Upfront Cost
Contingency fee paid only if we recover funds for you. If we don't recover, you pay nothing.
$1.225 Billion Fund
With a guaranteed minimum distribution of $540 million, eligible merchants stand to recover significant funds.
How It Works
Frequently Asked Questions
Who is eligible for this settlement?
Any business or individual that accepted Discover credit cards during the eligibility period (January 1, 2007 – December 31, 2023) may be eligible. This is particularly relevant for Indirect End Merchants — businesses that accept Discover cards through third-party processors.
What happened?
Discover Financial Services misclassified over 5 million consumer credit cards as commercial cards from 2007-2023, causing merchants to be overcharged approximately 1% on every affected transaction.
How much could I receive?
Payment amounts are calculated based on your total estimated interchange fee overcharge across all your Discover Merchant Identifiers (MIDs). The settlement fund is $1.225 Billion with a guaranteed minimum distribution of $540 million.
What does RMS charge?
RMS works on a contingency basis — we only get paid if we successfully recover funds for you. No upfront cost, no hourly fees, no risk. Start your claim to review your engagement agreement, confirm your contingency fee, and sign to proceed.
What is the deadline to file?
The claim filing deadline is May 18, 2026. We strongly recommend filing as early as possible to allow time for any follow-up documentation that may be required.
I have multiple businesses. Do I file once or multiple times?
You only need to fill out our intake form once. You can add all your businesses/TINs in a single submission. RMS will file separate claims for each entity as needed.
Have Questions?
Book a free consultation with our team — no commitment required.