text:  A federal judge in New York says she's not likely to approve a $30 billion settlement between Visa, MasterCard, and the merchants who say they're overpaid on fees to accept the credit cards. The proposed deal would lower the cap in those payment processing fees, allowing small businesses to collectively bargain on the rates, kind of like large merchants do. But Judge Margo Brody says she's unlikely to grant the settlement, meaning that the case could go to trial.