I am so tired of merchants complaining about this or that. If you don't like it or feel a particular network is unfair, then don't accept it. Honestly, if anyone should control how a card is routed, it should be the cardholder. NOT THE MERCHANT. Now that PIN-less debit has reared it's head at Wal-Mart and other retailers, it's time for Durbin to be repealed. There is plenty of competition, and merchants should choose who they will work with based upon value - if they decide to drop Visa and keep STAR, then the merchant must accept the consequences. Visa, MasterCard, STAR, Pulse, Amex, Discover, Accel/Fiserv, NYCE and others have spent millions and millions building out their networks and promoting their brands. For the merchants to come to the table now and ask for special govt intervention regarding pricing is contradictory to our free market system.