With billions of dollars at stake, the battle over both debit and credit card swipe fees is heating up. A 2016 ruling threw out the proposed $7 billion credit card “settlement” and the banking industry is seeking to overturn elements of the debit card reform that has saved consumers an estimated $6 billion a year. Along the way, the rhetoric has heated up, with some dubious “research studies” floated. We separate fact from fiction and tell retailers what they need to know —  and do — as the issue continues to heat up.