...I still have to set up credit/debit card processing for the walk-ins and at the first place we were approved at, $24 up front whether there's any processing or not, seems like a bit much unless all electronic fund transfers were funneling through it. We've got them on standby while we check other options for processing... I've actually had walk-ins walk out since we couldn't accept debit yet...
Yeah, some "recent" legislation has given the card companies carte blanche to screw businesses over pretty hard - especially small businesses.
Write your congressman. Seriously. It's going to have a snow-ball effect (has already started) on the price of literally everything as fewer and fewer people use cash. The card companies and banks can royally screw merchants on transaction fees and get away with it, so the merchant is forced to pass that on to the consumer.
I don't use cash unless I absolutely have to because I found that if I need to buy something that's $12, I have to get $20 from the ATM... Now I've got that "extra" money in my pocket, I "must" spend it (probably on something stupid that I don't want/need anyway).
Which brings me to the debit card - I use it almost exclusively because if something costs $68, I spend $68 instead of getting $80 from the ATM and it really sucks when a merchant can't/won't process debit transactions.
I do not envy the small businessman in today's electronic money environment.
I'm seeing more and more local businesses listing their "regular" prices and then adding a sign etc stating "X% discount for cash!", all because of the new increases in card processing fees.
It is a violation of the merchant agreement with Visa and Mastercard (not sure about Discover and AMEX) to charge the customer a fee for using a card, and in my state it is also a violation of 3 separate statutes. However, it is perfectly legal and OK with Visa and MC for the merchant to require a minimum purchase for card transactions, which I'm also seeing more of lately.
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