 The decision from Judge Margo Brody of the District Court for the Eastern District of New York ends for now a proposal sharply criticized by many merchants, saying the settlement, despite its hefty dollar figure, didn't go far enough to impose systemic changes to the way Visa and MasterCard operate, especially with small businesses. While a trial could be on the horizon, Visa and MasterCard may also try to rework the deal with the knowledge that their $30 billion attempt fell short.