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Discover and Amex debit cards exist.





Not sure what relevance that might have. It's antitrust law, not "monopoly law", and there's no legal requirement that no competitors exist in order for the law to be involved. Antitrust law is about market power, not some imaginary narrow definition of "monopoly".

I was simply refuting the claim that 100% of debit purchases are Visa + MC.



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