WICHITA, Kan. (KAKE) - It's busy days like Friday that make it all worth it for business owners like Jason Bench.

But things have been tough.

"Because the price, skyrocketing price of everything, our food, our labor, everything goes up," said Bench.

For his food truck Taters N' toppings, you might think some of the biggest expenses are things like food or supplies, but they're not.

It's credit card fees.

"They're crazy, what they charge us for these little machines to hold the $2 charges. It's crazy. I mean, it's a substantial amount every month," said Bench.

And he's not alone.

Anna Blom with the National Association of Convenience Stores says credit card fees are one of the most significant expenses for businesses, second only to labor.

"We have seen a seismic shift to card usage during the COVID-19 pandemic where people feel more comfortable using credit cards," said Blom.

On top of that, credit card fees rose to an all-time high this year.

That's what Senator Roger Marshall is hoping to change.

"It just amazes me, a convenience store like this one, is that they're paying more for swipe fees than they are for utilities," said Marshall.

That's where the Credit Card Competition Act comes in.

If passed, it would allow businesses and banks to choose which card processing network to use, forcing companies like Visa and Mastercard, who control more than 80 percent of the industry alone, to compete for the business. In theory, forcing them to lower the rates.

It's something Bench says he fully supports.

"That'd be awesome. I mean, put the pressure on them, you know, rather than on us," he said.

But not everyone is convinced. Friday, the Heartland Credit Union Association of Kansas and the Kansas Bankers Association reached out to KAKE News, saying they think this would both drive costs up and make your information less secure.

Stick with KAKE News for any new developments on this story.