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October 1 marks the one-year anniversary of the implementation of debit card swipe fee reform. It’s a reform that is working well and is a good start toward bringing transparency and competition to debit and credit card swipe fees.
As a strong advocate of the free market system, I’m confident that I know a free market when I see one. The credit and debit card swipe fee system is in no sense a free market.
http://www.politico.com/news/stories/0912/81843.html?hp=l22
I haven't noticed any reductions in prices from merchants after the debit card swipe fee reform bill passed. I disagree with the article that merchants didn't just pocket the difference. They definitely did. If a merchant is only making 1-3% profit on their goods, they clearly don't possess good business skills and I have a really hard time feeling sympathetic.