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Plaintiffs allege that defendants Visa, MasterCard and their member banks have engaged in anti-competitive practices, including collusion, that artificially inflated the interchange fee that all merchants paid (and continue to pay) to accept Visa and MasterCard branded credit and debit cards. It is further alleged that interchange fees, which are neither cost-based nor negotiated between merchants and the banks with whom they deal directly, raise merchant discount fees to supra-competitive levels and have generated enormous profits for the Bank Defendants with respect to interchange fees in violation of Section 1 of the Sherman Act.