Lot of businesses are adopting cashless payment during this pandemic.
Is it still legal for them to have surcharges on card payments (Not American Express).
I had to pay for a meal that costs $12. The cash was ready in my hand. The server told me they don’t accept cash payments anymore, and that I had to pay with card. Which will incur a 1% surcharge.
Why do I have to be forced to pay the surcharge if no other payment options are given to the customer?
Seriously, why couldn’t you PayID/Osko them?
Which business @OP?
Time to name+shame/blacklist again
Too many to list. Just today I bought lunch at Chat Thai Sydney CBD and they charged 1% card fee
Because the process isn't set up
I was in some Market research on this about a year ago, Osko were looking to branch out into business transactions, but haven't seen anything more on it
Cheers, makes sense then.
tap and go with savings account shouldnt attract the CC fee
Thats what I do using apple wallet. I have a Debit Mastercard, and in apple wallet(not sure of the Android equivalent sorry), you go to the card, tap the top right button that looks like 3 dots "…" an ellipsis, then go down and under Payment Option I choose, eftpos SAV, instead of Mastercard. No more 0.5% fee at Aldi.
do you say anything special to the cashier at aldi or is it automatic based on eftpos or debit payment?
@kaleidoscope: Nope no need to tell them. If the merchant/their machine doesn't accept contactless EFTPOS it will automatically route the transaction through Visa or MC Scheme for processing.
It just shows up like this - https://imgur.com/a/y24UKx0, if it doesn't give you the option you might need to delete and re-add your card, I found out that you have to use the actual card if you are re-registering rather than the in-app (your banks IB app) provisioning.
@kaleidoscope: I just push the card in pop my pin in Aldi kind of shit me but that life dam good eup food.
@nikey2k27: Yeah I kind of keep physical card as last resort and use watch or phone for paying. I thought apple pay by default attract the fee from aldi. It looks like I have to change card type on apple pay instead.
Android is Google pay, works the same.
@Skinnerr: I don't see the option to use EFTPOS as the payment method for my debit cards in Google Pay?
Actually cheque or savings attract 30c flat surcharge on businesses on ANZ Eftpos plan anyways. We much prefer debit/credit master/visa.
Tap & Go is a credit payment - processed by MasterCard/Visa.
You must use chip&pin of Eftpos
The is what I thought, and not convinced the poster isn't unknowingly tapping MasterCard debit.
Eftpos does have a contactless offer. However, I can't find much on their website except their Google, Apple, and Samsung Pay FAQ pages which help you to change the payment routing method. There's also a few other external resources that talk about it
@recycledrevenge: For the most part requires an eftpos only card in the real world If you want to choose to use it on contactless.
Merchants however thanks to least cost rooting on most Visa or Mastercard's in Australia can force contactless via the eftpos network on most dual-network cards.
And Apple and Samsung also support dual-network cards and they give the user the choice to route it through the eftpos network not the merchant.
I believe by law if there is no alternative payment method, card fees must be included in the price.
Service fees etc, I think they can charge on top (On that subject, noticed that the Perth Royal Show isn't doing gate sales of tickets this year, must purchase online adding more than 10% service/booking fee on top)
Yes. The language is a bit "watery" but this is what the ACCC has to say:
https://www.accc.gov.au/business/pricing-surcharging/payment…
"
Example: how to display a price where a surcharge is applied to all card payments and cash is not accepted
A business charges $5 for a coffee, does not accept cash, and all card payment methods are surcharged.
In this scenario, a consumer cannot actually purchase the coffee for $5. For example, if the lowest possible surcharge was a 15c debit card surcharge, the price displayed for the coffee should be $5.15.
If the business does choose to display the $5 price, the business must also show the full price of $5.15. It must be at least as prominent as the $5 price. The $5.15 price must be clear and stand out so a consumer can easily notice it.
The business also cannot display its price as ‘$5 (payment surcharges apply)’, because it is unclear to consumers what the price of the payment surcharge will be."
The display of two types of prices connects to component prices as discussed here:
https://www.accc.gov.au/business/pricing-surcharging/display…
So does this mean that if they don't have a fee on debit cards then they don't need to do this?
@Gaz1: Yes because it is correct - you can pay via debit and be charged the advertised amount. It'd be no different to right now where lots of places have surcharges and they also ask if you are ok with it.
You can pay by cheque or savings. Likely OP is reffering to a VISA/MasterCard Surcharge. EFTPOS likely wouldnt attract the surcharge.
I thought OzBargainers would be all over cash discounts?
instigated*
Not when your sources are the Insta posts of antivaxers.
#Instagrated
I thought it was the GST but that too old news for these Turkeys .
No, that was to get rid of the card economy.
You're either too early or too late for April Fools Day.
I have heard some BS from ant-vaxxers, etc., but this is a new one…..
Get vaxxed, save ants.
That makes so much sense 🙄….not
Did the thought ever cross your mind that it may be sarcasm?
Yep the thought did cross my mind….
@Platinumtelecom: I went to Myers one day last year and the guy at the counter was going on about how the government was using Covid as an excuse to get rid of the cash economy. Use our cards more so they could track our spending etc. He said it seriously. Amazing what ppl are believing.
The government caused a plague to blame the Chinese so they can order more subs from the Americans to protect against the Chinese but really it was all orchestrated by Dictator Dan who is actually the real leader of the CCP?
There’s an episode of Hollowmen on this.
We’re spending $400billion to protect trade routes from China? Yes
Who’s our biggest trading partner? China
So…
Getting rid of the cash economy is a good thing if it results in fewer tax dodgers. But lets be realistic, the cash economy is small bikkies compared to big business tax dodgers.
But targeting the cash economy are the easy targets compared to the business tax dodgers.
Yes. That’s what I said
I thought covid was caused by 5G?
No no no, that was yesterday’s argument. Get with the times. Now it’s the ATO.
wut? I thought it was an excuse to implant us with nanobots via the vaccine?
lol
The government does want to get rid of the cash economy but Covid has nothing to do with it - they were making their first attempts way before Covid hit
ATO approves
Local butcher (pre-Covid) opened up as eftpos only BUT they had a minimum charge. Didn’t last long
Didn’t last long
butcher or the min charge?
they probably got sick of putting the meat back every 5 mins from people pulling a craig david on them.
What’s a Craig David mean?
I just get an HSBC card and get 2% cashback for all tap payments. I haven't come across a place that charges more than 2% surcharge, so I'm always ahead.
what’s your annual fee though?
Its a debit card, so free?
$0 annual free on the debit card. 2% cash back only applies to paywave under $100, and cash back is limited to $25 per month.
It's actually $50 a month and you can easily just split payments for anything over $100.
@ssdexecutor82: Yeah you do. I just osko it in then straight back out at the start of the month. Shows up instantly.
Zero annual fee, $100 sign up bonus. 2% cashback is active for as long as you transfer $2k into the account every month. You can then just transfer $1.5k out if you're like me and only use about $500/month.
I get 2.625% on every tap of my visa with no payment size or monthly limits. I win 😁
which card ?
z0s0 card.
Bank of America Travel Rewards with "platinum honors" bonus. 0% FX fees naturally.
$12 x 1% = $0.12. Below threshold for me to consider this post.
I knew someone would made that comment. That’s why mentioned the cost in. Obviously it’s not about the 12cent. It’s the principle.
(profanity) is this like America all over again? (profanity) hated it. Shelf on item $11.50… check out its $13. Wait what? Thats right taxed AFTER.
What would you do with $31.20?
Not fussed either, however, $30 for some is still a reasonable amount to think about.
$0.12. Below threshold for me to consider this post.
Woah, we've got a big shot over here!!
I bet he eats not one but two packets of Ramen noodles in the one meal.
Quick mafs!
I skimmed read the original post and thought the surcharge was $12, i.e. $1,200 meal. lol
$438 over 10 years
Honestly.. I think that argument works against your point..
If all available card payment methods have a surcharge then the displayed price must include the surcharge. If only credit card payments have a surcharge then the surcharge can be in addition to the displayed price however it must be clear that surcharge apply to those payments.
thanks morpheus
That was almost like inception.
"You take the red pill, you get 6 times the boner torque"
Ypu welcome but why I been down voted for
Because I made a prediction or said this will be the future?
Don't down vote me
Down vote those elites lol
Woah
1) tap to pay
2) ?
3) new world order, humans trapped in the matrix
Yeah, the matrix.
Pretty sure that is every Ikea I have ever been in.
Lucky to make it out alive.
Rött eller blått piller?
Yes, but your reward is a $1 hot dog at the end.
And whats the goal of this nwo?
Probably hop off the internet for today, Morpheus.
Did the business have signs and/or menu stating surcharge?
https://www.service.nsw.gov.au/transaction/meet-requirements…
Do they surcharge differently based on card type. eg Visa, MC, debit, etc.
The alternative is they just increase the price of everything by $0.50-1.00 and drop the surcharge altogether.
Seems like the business made pricing based on cash transactions but in response to increased covid cases wanted to protect themselves from potential exposure by reducing contact with potential transmission avenues. So you're going to drag a small business over the coals for trying to be covid safe and keeping costs fair to themselves because they didn't want to blanket charge you even more and going through potential costly measures to update menus and signage twice. (Once when going covid safe and then once again when reverting back to normal operations).
That covid argument doesn’t have enough scientific proof tbh.
Why do you think Light Rail officers( Sydney) stopped checking Opal cards with their scanner during the second lockdown?
Because they're minimising contact points, just like reducing the use of cash.
What if moments before she grabbed the EFTPOS machine she touched her masks and adjust it, pulling it up to cover her nostrils. And my card’s contactless doesn’t work. I would then have to insert and enter my password. Do I then place the card back in my wallet? Do I sanitise my card at home or on the spot. What’s the difference between me using cash in that scenario? Me touching her machine is the same as me touching cash.
I don’t like it how people lecture others about covid safety and acting almighty. Even though their system isn’t even watertight.
@NoMoneyNoCry: It's not about the one specific fabricated example you came up with but the collective aggregate. Minimising physical contact is only one layer of the swiss cheese method of infection control. Yes the totality might fail in your specific example but in general and majority of situations it's enough to help slow/stop the spread of disease.
You asked why Light Rail officers stopped checking Opal cards. It's to minimise contact. Will it completely stop every single potential for spread? No. There will be outlayers (like your specific example). Minimising potential of spread will help increase the chance of being the one break in the link needed to slow/stop the spread of disease.
You're acting like the business is the victim and the OP is the perpetrator. The world is upside down to some.
Yeah cos you’re gotta get delta on your $50 note but not in the face of the cashier talking to them
Was it still 1% if using a debit card rather than credit?
Ooft im all for card only but im not for card only and charging a surcharge - surely that's false advertising because you are unable to actually obtain your meal for the amount they said it was going to be? Do they want you to whip out a bank transfer for your $12 meal?