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payday loans American Express charges merchants higher fees to use its payment platform, which it says helps the company deliver better cardholder benefits. But the higher fees have led some merchants to encourage consumers to pay using cheaper, non Amex cards. To thwart that practice, Amex has sought to use so called “anti steering provisions” in its merchant contracts legal language that the Justice Department and a number of states alleged is anticompetitive and harms merchants.The court’s ruling Monday found that the plaintiffs the Justice Department and several states, including Ohio needed to go further and prove that Amex’s practices were harmful to both merchants and consumers alike.”Their argument that Amex’s antisteering provisions increase merchant fees wrongly focuses on just one side of the market,” wrote Justice Clarence Thomas for the court.The ruling is a major victory for American Express, which said Monday that the decision “will help to promote competition and innovation in the payments industry.” The Justice Department declined to comment.The decision in Ohio v.payday loans

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