The Durbin Amendment was written with merchants in mind where card issuers charge less and merchants pay less.The Durbin Amendment caps the debit card interchange fee so that the cost of having a customer pay for the purchase with a debit card is lower than the cost before the amendment was passed. This theoretically allows the merchant a higher profit margin.The amendment protects merchants from higher interchange fees on debit card transactions by imposting a cap of 21 cents plus 0.05 percent of each transaction.The amendment is beneficial to merchants because it could lower the cost of doing business, now business may see higher profits.the average savings are almost half of what you’re currently spending on interchange. However it is important to stay up to date on the latest banking trends and keep an open mind about new service providers. The merchant should exactly know his numbers and determine what he should be saving. This way, the merchant can be sure of not being taken advantage of by the card processor.