Discover Card Merchant Class Action Settlement
This settlement is closed to new claims — the deadline was May 18, 2026. You can still see what it was about and follow the case in court below. Looking for money you can still claim? Browse open settlements →
What happened
Discover allegedly misclassified certain Discover-issued consumer credit cards as commercial credit cards starting in 2007, causing merchants to incur excessive interchange fees. Discover denies the claims, and the parties agreed to settle to avoid litigation costs and risks.
Do you qualify?
Merchants, merchant acquirers, and payment intermediaries who processed or accepted Discover-issued consumer credit cards that were misclassified as commercial cards between January 1, 2007 and December 31, 2023. Certain entities listed in Exhibit A to the Settlement Agreement are excluded.
How to file
The claim filing deadline passed on May 18, 2026, and no new claims are being accepted. The Settlement Administrator is currently processing submitted claims and will send notices regarding claim deficiencies and payment allocation determinations expected in late 2026.
Common questions
- What is the claim deadline for the Discover Card Merchant Class Action Settlement?
- This settlement is closed to new claims — the deadline was May 18, 2026. Once a claim deadline passes you generally forfeit your share, even if you qualified.
- Is the Discover Card Merchant Class Action Settlement notice real, or a scam?
- Settlement Administrator (not named on page) is the settlement administrator for this case. Claims are filed at discovermerchantsettlement.com. Filing a class action claim is always free — no legitimate settlement charges you to claim, and no administrator will ask for payment, a gift card, or your full Social Security number by email or text. If a notice asks for any of those, it is not from the administrator. When in doubt, ignore the link you were sent and go to the official settlement website directly.
- When will payments from the Discover Card Merchant Class Action Settlement be sent?
- Class action payouts typically take 12 to 24 months after the claim deadline, and longer if the settlement is appealed. The final approval hearing for this case is set for May 20, 2026; no payments can be issued before a settlement receives final approval.
In the news
- ‘They will sue the sh*t out of you’: Debt settlement worker says you should avoid Target and Discover credit cards. Here’s whyThe Daily Dot · July 23, 2023
- ‘Sorry we almost destroyed your credit and your time’: Sephora customer accidentally charged over $115,000 on Discover cardThe Daily Dot · November 9, 2022
- Discover It Miles Referral Bonus Increased To $100Boardingarea.com · July 16, 2020
- Chase Freedom card review: One of the best no-annual-fee cards for maximizing your cash backBusiness Insider · July 13, 2020
Headlines via NewsAPI. ClaimWatch isn't affiliated with these publications.
New to class actions?
This summary was generated from public settlement documents and may contain errors. Confirm eligibility, deadlines, and payment terms on the official settlement website before filing. ClaimWatch is not a law firm and this is not legal advice. Filing a claim is free.
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