Discover Merchant Settlement 爷爷店刷过Discover的PayPal类别必看
Discover Merchant Settlement 赔偿和解进展，涉及PayPal类别交易的商户索赔资格及个人收益预期
1. 关键信息
- (之前已归纳) Discover信用卡被指控将部分消费者信用卡错误归类为商业信用卡，导致商户支付过高的交换费。
- (之前已归纳) 涉及2007年1月1日至2023年12月31日期间处理“错分类交易”的商户、商户收单行和支付中介。
- (之前已归纳) Discover同意支付5.4亿至12.25亿美元的赔偿金，具体赔偿金额根据交易量和交换费超额情况计算。
- (之前已归纳) 索赔截止日期为2026年5月18日。
- (之前已归纳) 有用户收到和解通知信，并询问是否意味着自己符合领取资格。
- 新增：有用户已完成索赔填写，并对可能获得的收益表示不确定，预计可能只有三五十元的收益。
2. 羊毛/优惠信息
- (之前已归纳) 符合条件的商户可获得现金赔偿。
- 新增：用户填写的索赔可能带来小额现金收益。
3. 最新动态
- (之前已归纳) 正在进行一项和解，等待法院批准。
- (之前已归纳) 退出和解的截止日期为2026年3月25日。
- (之前已归纳) 有用户收到和解通知信。
- 新增：有用户已于2026年3月17日完成索赔填写。
4. 争议或不同意见
- (之前已归纳) Discover否认所有指控。
- (之前已归纳) 有用户收到和解通知信，并询问是否意味着自己符合领取资格。
- 新增：用户对实际获得的赔偿金额存在较低预期。
5. 行动建议
- (之前已归纳) 如果您在2007年至2023年间曾作为商户处理过Discover信用卡交易（尤其是在“爷爷店”通过PayPal类别刷卡），请访问 www.DiscoverMerchantSettlement.com 了解详情并提交索赔。
- (之前已归纳) 如果您希望保留起诉Discover的权利，请在2026年3月25日前选择退出和解。
- (之前已归纳) 收到和解通知信的用户，可根据信函指引判断是否符合领取资格。
- 新增：已完成索赔填写的用户，可关注最终收益情况。
今日收到信件，内容如下。
和泥潭有关的：
开过爷爷店，并且在爷爷店刷了Discover的PayPal类别
自己做过merchant并收过Discover的卡
如果你只是以消费者身份用了Discover卡就和你无关了。
DISCOVER CARD MERCHANT CLASS ACTION SETTLEMENT
If you accepted or processed Discover credit cards between 2007-2023, you could be eligible to get a cash payment from a class action settlement.
A federal court authorized this notice.
YOU MAY BE ENTITLED TO A SETTLEMENT PAYMENT*
To receive a payment, you must file a claim by May 18, 2026*
For more information, read this notice, visit www.DiscoverMerchantSettlement.com, or call 1-888-655-3176.
What is this notice about? A proposed class action settlement has been reached in three related lawsuits.
The lawsuits allege that, beginning in 2007, Discover misclassified certain Discover-issued consumer credit cards as commercial credit cards, which in turn caused merchants and others to incur excessive interchange fees. Discover denies the claims in the lawsuits, and the Court has not decided who is right or wrong. Instead, the proposed settlement, if approved, will resolve the lawsuits and provide benefits to Settlement Class Members.
Who is included? The Settlement Class includes all End Merchants, Merchant Acquirers, and Payment Intermediaries involved in processing or accepting a Misclassified Card Transaction during the period from January 1. 2007 through December 31, 2023. To view the full Settlement Class definition, including defined terms and excluded entities, go to www.DiscoverMerchantSettlement.com.
You are receiving this Standard Notice because records indicate that you are a Settlement Class Member.
What can I get? Under the proposed settlement, Discover will make payments to eligible Settlement Class Members who submit valid claims. Discover has agreed to pay between $540 million and $1.225 billion plus interest in connection with this settlement. Your settlement payment amount will be calculated based on a variety of factors, including the total estimated interchange fee overcharge for each Discover merchant identifier (or “MID”) associated with you, how interchange fee charges for each MID were allocated among entities associated with the same MID, and the total aggregate dollar amount of all settlement payments. For more information, including to view the detailed calculation methodology or to review the list of MIDs associated with you, go to www.DiscoverMerchantSeftlement.com.
How do I get a payment? To receive a settlement payment, you must submit a claim, postmarked or submitted online, by May 18, 2026. You can: (a) submit a claim form online at www.DiscoverMerchantSettlement.com, or (b) fill out the claim form enclosed with this notice and mail it to the Settlement Administrator at the address listed in the form.
The Settlement Administrator will validate claims and review all information submitted and will determine allocations and payment amounts pursuant to the terms of the settlement. Payments will be sent to eligible Settlement Class Members if and when the settlement is approved by the Court and becomes final.
What are my options? You can file a claim for a payment. Alternatively, you can exclude yourself from the settlement by opting out, in which case you will receive no payment under this settlement and retain any right you may have to sue Discover about the claims in these lawsuits or related to the Misclassified Card Transactions. To exclude yourself, mail a request for exclusion containing the information described at www.DiscoverMerchantSettlement.com, postmarked by March 25, 2026, to: Discover Card Merchant Settlement Exclusion Requests, c/o Epiq Class Action, PO Box 5370 Portland, OR 97228-5370. If you do not exclude yourself, and the Court approves the settlement, you will be bound by the Court’s orders and judgments and will release any claims against Discover in these lawsuits or related to the Misclassified Card Transactions. If you do not exclude yourself, you can object to or comment on the settlement or Settlement Class Counsel’s request for attorneys’ fees, expenses, and service awards for the Settlement Class Representatives who brought the lawsuits. To object, you must submit to the Court signed, written objection containing the information described at www.DiscoverMerchantSettlement.com by March 25, 2026. Visit www.DiscoverMerchantSettlement.com for more information.
【引用自 小芝士】:
$540 million and $1.225 billion
这下真是最大羊毛了
收到信了…是不是差不多自己就是合格可以領?
自己开的爷爷店就行
填寫完畢…可能還是個三五十元的收益吧^^