The amount paid from the settlement fund will be based on your actual or estimated interchange fees attributable to Visa and Mastercard card transactions (between you and your customers) from January 1, 2004 through December 2019 [the Settlement Preliminary Approval Date].

The amount of money each Authorized Claimant will receive from the settlement fund depends on the money available to pay all claims, the total dollar value of all valid claims filed, the deduction for opt-outs described above not to exceed $700 million, the cost of class administration and notice, applicable taxes on the settlement fund and any other related tax expenses, attorneys’ fees and expenses, and money awards to the Rule 23(b)(3) Class Plaintiffs their representation of merchants in MDL 1720, which culminated in the Class Settlement Agreement, all as approved by the Court.


We take one-third.  For example , if we recover $9000 then our portion is $3000 and so on.

We operate on a contingency fee model which means we only get paid if you get paid.
Our percentage is 1/3 of the total recovery.


The Class Administrator will have data from Defendants and others which it expects will permit it to estimate the total value of interchange fees attributable to each Authorized Claimant on its Visa and Mastercard card transactions during the period from January 1, 2004 to [the Settlement Preliminary Approval Date] (“Interchange Fees Paid”).  It is the current intention to utilize this data to the extent possible, to estimate the interchange fees attributable to members of the Rule 23(b)(3) Settlement Class.

Where the necessary data is not reasonably available to estimate a class member’s Interchange Fees Paid or if the Interchange Fees Paid claim value established by the Class Administrator is disputed by the class member, the class member will be required to submit information in support of its claim. This information will include, to the extent known, Interchange Fees Paid attributable to the class member, merchant discount fees paid, the class member’s merchant category code and/or a description of the class member’s business, and total Visa and Mastercard transaction volume and/or total sales volume. Based on these data, the Interchange Fees Paid attributable to the class member will be estimated for each known member of the Rule 23(b)(3) Settlement Class.


The claim form also allows class members for whom no financial data is available or who were not identified as class members to file a claim. Those merchants will have to fill out and sign a claim form and return it by the deadline.


Yes, you can have a lawyer or a third-party  to file a claim for you.

• Talk to a lawyer, at your own expense, about the release and what it means to you.
• Read the complete Class Settlement Agreement and the complaints in the Barry’s, Nuts for Candy, and B&R Supermarket cases, which may be viewed on the website

Important! If you want to keep your right to be part of any other lawsuit based on similar claims, you must opt-out (exclude yourself) from the Rule 23(b)(3) Settlement Class.

Important! If you exclude yourself, do not file a claim form asking for payment. 13. If I do not exclude myself from the Rule 23(b)(3) Settlement Class.


Please be advised that claim forms are not available yet. You do not have to sign up for a third-party in order to get monetary relief. There is no cost assistance available from the class administrator and class council during the claims filing.

For further information please go to which is a court approved website for additional information.

Terms and Conditions

Terms and Condition of this website and its contents is subject to these terms and conditions.

Everything here is confidential. You agree to keep it that way. You understand that disclosure could hurt the legal interests of our clients, including you if you become one.

This website is not an offer to provide legal services. But, depending on your answers to our questions here, we may offer to be your lawyers. We are not your lawyers until you and we agree in writing. 

The attorneys identified here are licensed to practice law only in the state(s) specified on our website.

This site uses "cookies". 

You authorize us to communicate with you using all means and technologies in common use. If you do not want us to contact you, just email us. We will put you on a "do not contact" list. Of course, we cannot represent you if we cannot communicate with you. TCPA Consent & Privacy. Notwithstanding any current or prior election to opt in or opt out of receiving telemarketing calls or SMS messages (including text messages) from us, our agents, representatives, affiliates, or anyone calling on our behalf, you expressly consent to be contacted by us, our agents, representatives, affiliates, or anyone calling on our behalf for any and all purposes arising out of or relating to your loan and/or account, at any telephone number, or physical or electronic address you provide or at which you may be reached. You agree we may contact you in any way, including SMS messages (including text messages), calls using prerecorded messages or artificial voice, and calls and messages delivered using auto telephone dialing system or an automatic texting system. Automated messages may be played when the telephone is answered, whether by you or someone else. If an agent or representative calls, he or she may also leave a message on your answering machine, voice mail, or send one via text. You consent to receive SMS messages (including text messages), calls and messages (including prerecorded and artificial voice and autodialed) from us, our agents, representatives, affiliates or anyone calling on our behalf at the specific number(s) you have provided to us, or numbers we can reasonably associate with your account (through skip trace, caller ID capture or other means), with information or questions about your application, loan and/or account. You certify, warrant and represent that the telephone numbers that you have provided to us are your contact numbers. You represent that you are permitted to receive calls at each of the telephone numbers you have provided to us. You agree to promptly alert us whenever you stop using a particular telephone number. Your cellular or mobile telephone provider will charge you according to the type of plan you carry. You also agree that we may contact you by e-mail, using any email address you have provided to us or that you provide to us in the future. We may listen to and/or record phone calls between you and our representatives without notice to you as permitted by applicable law. For example, we listen to and record calls for quality monitoring purposes.

The public information on this site is not legal advice. You won't rely on it except in engaging us to represent you, as we are an intake center who works with a national network of advocacy groups that represent clients in personal injury cases. If you decide to retain a advocacy group through the use of this site or our service, that advocacy group will likely handle your cases on a contingency fee basis. That means there will be no costs or fees charged to you unless a recovery is made. The advocacy group representative with whom you speak can explain the process in more detail and work with you to receive your settlement.

This site and everything in it is protected by copyright laws that protect Business Refunds of America and Payment Card Help its affiliate partners, sites surveys and data.

Anybody that wants to be a partner of ours, we will pay at 20% commission for anybody that they sign up.

All disputes concerning this website and the information in or use of it shall be governed by Tennessee law (without regard to conflicts of law principles), and any proceeding that may arise in connection with this website shall be brought solely in a court in Knoxville, Tennessee.

Our advocacy group, take our clients privacy advocacy group, and all prospective clients' privacy, seriously. The data we collect about you includes all data you submit to us, and data reflecting your use of this secure site. We may use or share data or information regarding your claim with any necessary co-counsel or third parties deemed fit or to present other settlement or third-party benefit offers as see fit.  We will use your data now and, in the future, to evaluate your claims and whether to offer you other services or information that may be valuable to you. We will maintain your confidential records for at least a reasonable time, and perhaps indefinitely, unless you demand, and applicable law requires us to delete it. If you establish an account, you can edit the data you've input for us through this website at any time. 

Copyright © 2019. Payment Card Help All Rights Reserved.