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title: US-FL — Scheme & Network Compliance (W4) | World Payments Monitor
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### W4 Scheme & Network Compliance Probable re-verified 2026-10-18 · changed 2026-07-05

Florida merchants are subject to the nationwide Visa/Mastercard interchange-fee antitrust settlement framework and to PCI DSS as the scheme-mandated technical standard; a Florida-based payments company (Chargebacks911) has been the subject of a joint FTC/Florida Attorney General enforcement action over scheme-facing chargeback-manipulation conduct.

Standing sub-brief · as of 5 July 2026 118 words · last cycle 2026-07-05

#### Scheme & Network Compliance

Florida card-accepting merchants sit within the nationwide Payment Card Interchange Fee Settlement, under which $5.54 billion was approved for merchants accepting Visa and Mastercard between January 2004 and January 2025, with the Second Circuit affirming the settlement in 2023. That settlement structure faces a live challenge: Walmart petitioned to decertify the plaintiff class so that large national merchants could pursue independent remedies against Visa and Mastercard, a petition pending before Judge Cogan as of late 2025.

#### Outlook

The Walmart decertification petition is the primary scheme-compliance dynamic to watch; a ruling permitting large merchants to exit the settlement class would reshape interchange-litigation exposure for card networks nationally, with direct relevance to Florida's card-accepting merchant base.

no periodic updates on record for this sub-brief

** Sources and findings (3 unique sources · R-3/R-4)**

1.

[W4-E1] T2 Derived: Confirmed [in_force https://en.wikipedia.org/wiki/Payment_card_interchange_fee_and_merchant_discount_antitrust_litigation](https://en.wikipedia.org/wiki/Payment_card_interchange_fee_and_merchant_discount_antitrust_litigation) re-verified 2026-07-05

<cite index="82-1,82-2">A $5.54 billion settlement covering merchants who accepted Visa/Mastercard from January 2004 to January 2025 was approved, with the Second Circuit affirming the approval in 2023</cite>, applicable to Florida-based card-accepting merchants as part of the nationwide class.

2.

[W4-E2] T3 Derived: Probable [in_force https://www.paymentsdive.com/news/walmart-wants-out-of-card-class/807972/](https://www.paymentsdive.com/news/walmart-wants-out-of-card-class/807972/) re-verified 2026-07-05

<cite index="85-2,85-3">Walmart petitioned to decertify the class of plaintiffs pursuing swipe-fee changes so large national merchants could pursue their own remedies against Visa/Mastercard</cite>, with the case before Judge Cogan as of late 2025.

3.

[W4-E3] T1 Derived: Confirmed [in_force https://www.ftc.gov/business-guidance/blog/2023/04/411-about-ftc-florida-ag-action-against-chargebacks911](https://www.ftc.gov/business-guidance/blog/2023/04/411-about-ftc-florida-ag-action-against-chargebacks911) re-verified 2026-07-05

<cite index="96-11">The FTC and the Florida Attorney General allege that Florida-based Global E-Trading (d/b/a Chargebacks911) used unfair tactics to defeat chargeback disputes on behalf of merchant clients</cite>, a case pending in federal court in Tampa touching scheme chargeback-monitoring integrity.