The first official shots have been fired in the war between major banks and electronic payments companies and merchants over how much retailers should pay for customers to use their credit cards and if those fees trickle down to consumers.

Disagreements between the two factions aren’t new, but it’s now at a fever pitch after Senator Dick Durbin (D-IL) and Senator Roger Marshall (R-KS) introduced late last month the Credit Card Competition Act of 2022.