Flyby Provision

As the owner of Flyby Provisions, a New Mexico-based gift shop and corporate gifting business, I rely every day on payment systems that are simple, secure, and consistent. Flyby serves customers locally and across the country through our storefront, online sales, custom gifting, and shipping. Because of that, I support the OCC’s decision to preempt the Illinois Interchange Fee Prohibition Act. While I understand the desire to reduce costs for merchants, the Illinois law creates a level of complexity that small businesses are not equipped to absorb. Businesses like mine depend on Shopify, payment processors, credit card networks, and shipping systems that work across state lines. Customers expect checkout to be fast and reliable whether they are buying in person, ordering online, or sending gifts to multiple recipients. If every state creates its own rules around payment processing, small businesses will be the ones caught in the middle. What may appear to be a narrow fee issue could quickly become a patchwork of conflicting requirements that increases costs, slows transactions, and makes national e-commerce harder to manage. Flyby Provisions is a small business, not a financial institution or a large retailer with a compliance department. We need payment systems that are predictable and functional. The OCC’s action helps preserve that consistency and protects the national payment infrastructure that small businesses depend on. For these reasons, I appreciate the OCC’s decision to provide regulatory clarity and prevent state-by-state rules from disrupting the payment systems that support small businesses like mine.