When and why different cards are issued makes a huge difference for consumers

People carry credit and debit cards around with them for a variety of reasons, and may be receiving different types of rewards for their use. However, in situations in which consumers find themselves constricted by the limitations of a certain card, they may find themselves actually less inclined to use credit card payment processors. It may be in the best interest of independent merchants to support decisions that give consumers more freedom in the way they shop and make daily purchasing decisions. However, this is ultimately up to the merchant in question.

McDonalds has come under fire recently, and will be involved in a legal settlement, as a woman who used to work at one restaurant location in Pennsylvania will be suing after she and other workers at the same store were given debit accounts with Chase cards rather than a standard paycheck.

Although the state does reportedly allow for employees to be compensated in such a way at the discretion of business owners, the key issue surrounds the fees carried by this card, another aspect relevant to users of credit card processors to whom surcharges can have a major impact on business.

ABC News spoke to Michael Cefalo, the plaintiff's lawyer, on the cost employees had to bear.

"They're entitled to a choice to be paid in cash or check," he said. "Fees connected to this debit card which employees have to pay to get their wages which is unfair."

Regardless of this particular case, employee debit cards are another form of payment for which credit card payment processors may be used to increase revenue and customer base.

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