Many people are making more purchases with credit and debit cards.
Some financial experts are saying swipe fees associated with purchases are having an effect on businesses. A swipe fee is the amount of money a credit company charges a company when it makes a credit card sale.
Some big name credit card companies and banks have been in a legal battle for about eight years because of accusations regarding the fixing of swipe fee rates.
This has led to what is believed to be the largest antitrust settlement ever. Companies such as MasterCard and Visa have agreed to pay more than $6 billion as part of a settlement.
Some financial experts are saying it isn't enough because many small businesses that have been affected will miss out on their share.
Bill Hardekopf is a credit card expert and he said many companies are looking for ways to help cut down on the fees.
"There are a number of things that retailers are considering. One thing is having a minimum purchase amount such as $10 before you can make a transaction with your credit or debit card," said Hardekopf.
Local business owners said it's something they have to deal with because of the amount of people prefer to pay with their cards.
Monongalia County resident Joshua Russell said, "Almost everybody on their cards much more than cash. It's safer and you're not carrying as much cash around. I use my debit card exclusively."
Anna Carrier is a local small business owner. She said, "Of course no small business likes to pay swipe fees but it's part of accepting credit cards."
Many businesses owners said they don't like dealing with swipe fees, but they have to in order to keep customers coming through the door.