Payment processing giants Visa and Mastercard face a proposed antitrust settlement that consumer advocates argue fails to address their monopoly power. The deal would marginally reduce swipe fees by 0.1 percentage points for five years while granting sweeping immunity from future lawsuits, leaving the oligopolistic market structure intact. Demand Progress and allied organizations are urging the court to reject the settlement, arguing it represents price-fixing rather than genuine antitrust relief.