Rules can matter as much as rates
Acceptance requirements, premium-card economics and surcharging policies change merchant leverage at the point of sale.
Implementation will be operational
Merchants need POS, signage, checkout and staff procedures that match whatever final rules actually take effect.
Savings estimates are not savings guarantees
A systemwide estimate does not tell an individual merchant what its effective rate will become.
What to watch
Final approval, objections, implementation dates, network guidance and processor pass-through behavior.
Sources and further reading
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