Reclaim Your Part of the up to $1.2 Billion Discover Settlement
Did you accept Discover cards?
If your U.S. business accepted Discover credit cards from January 1, 2007 through December 31, 2023, you may be eligible to file a claim and entitled to compensation.
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A proposed class action settlement has been reached in three related lawsuits, CAPP, Inc. v. Discover Financial Services, Case No. 1:23-cv-04676; Lemmo•s Pizzeria, LLC v. Discover Financial Services, Case No. 1:23-cv-14250; and Support Animal Holdings, LLC v. Discover Financial Services, Case No. 1:23-cv-15297, pending in the U.S. District Court for the Northern District of Illinois.
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The lawsuits allege that, beginning in 2007, defendants Discover Financial Services, DFS Services LLC, and Discover Bank (together, "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. The parties have agreed to the settlement to avoid the expense, uncertainty, and risks associated with litigation. The proposed settlement, if approved, would resolve these lawsuits and provide benefits to Settlement Class Members, including those who submit claims and do not exclude themselves.
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The "Settlement Class" is defined as: 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. Excluded from the Settlement Class are certain people and entities listed on Exhibit A to the Settlement Agreement.
Important Terms
End
Merchant
An "End Merchant" is an individual or business entity that during 2007-2023 accepted a Discover Bank-issued credit card directly from a person as payment in return for the delivery of goods or services. For purposes of this settlement, there are four different types of End Merchants: Indirect End Merchant, Inactive Direct End Merchant, Managed Active Direct End Merchant, and Unmanaged Active Direct End Merchant.
Merchant
Aquirer
A "Merchant Acquirer" is a business entity that during 2007-2023 had an agreement with Discover to facilitate Discover credit card transactions and was characterized by Discover's rules and regulations as an "Acquirer."
Payment
Intermediary
A "Payment Intermediary" is a business entity that during 2007-2023 processed Discover credit card transactions on behalf of other businesses, but that is neither an End Merchant nor a Merchant Acquirer.
Misclassified Card
Transaction
A "Misclassified Card Transaction" means a Discover credit card transaction in which, at the time of processing and according to the records of Discover, the credit card account was classified by Discover Bank as a "commercial" credit card but should have been classified as a consumer credit card (i.e., a "rewards," "premium," or "premium plus" card).
Your business may qualify for compensation if you processed Discover card transactions, operated as a Merchant Acquirer, or functioned as a Payment Intermediary during the period from 2007 through 2023.
Taking Action
Our experience with the recent Visa/MasterCard class action settlement gives us valuable insight into payment card litigation that benefits every client we represent.
Current Status
A modified settlement agreement has been submitted and is awaiting final court approval. Claims cannot be filed directly with the court just yet—but you can prepare now by signing up with Myers Longhofer LLC. We will monitor the settlement and file as soon as it opens up.
Why Partner With Us?
Myers Longhofer LLC focuses on maximizing settlement recoveries for our clients. We provide clear communication throughout the process and leverage our experience with similar cases to ensure your claim receives proper attention.
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What We Do For You
1
Filing Support
From start to finish, we prepare your paperwork and handle submission as soon as the claim window opens.
2
Stress Free Process
We track deadlines, communicate with administrators, and keep you informed—so you don’t have to.
3
Trusted Claims Partner
We’ve assisted thousands of businesses through similar processes like the Visa/Mastercard Interchange fee settlement.
No Upfront Fees
Our services are provided on a contingency basis, meaning there are NO UPFRONT FEES. You will only be charged a fee once the settlement is awarded. Our fee is 25% of the recovery amount.
Contact us
For more information or to begin the claims process, contact our team at discoverclassaction@myerslonghofer.com or complete the form below.