If you accept credit, debit and prepaid cards, you have rights. The Merchant Bill of Rights promotes fair credit, debit and prepaid card processing practices on behalf of owners of small and mid-sized businesses. Proposed as an industry standard, it calls for the clear and straightforward presentation of card processing costs. Its purpose: to enable merchants who don't have the resources of large purchasing organizations to effectively manage their costs, determine which processor best meets their needs and realize significant savings.