 I'm Nicole Murray with your Money Now. A federal judge says she's likely to reject the $30 billion settlement between Visa and MasterCard and the merchants who claim they have overpaid on swipe fees. The two payment giants reached a settlement with a group of small businesses that would lower and cap the fees for five years back in March. However, the National Retail Federation said it was likely to oppose the agreement, saying the relief was only temporary and the fees remain too high.