 A federal judge says she's not likely to approve the $30 billion settlement between the payment processing giants Visa and MasterCard and the merchants who say they've overpaid on swipe fees. Visa and MasterCard reached a deal with a group of small businesses and merchants back in March. It would lower and cap the fees charged by Visa and MasterCard and allow small businesses to collectively bargain for rates with the payment processors in a similar way that large merchants do on their own now.