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Can a shop set a fixed limit on credit/laser cards?

  • 25-10-2010 11:53pm
    #1
    drunknmunky_21
    Closed Accounts Posts: 21 ✭


    Just out of interest can a shop/pub etc. legally have a fixed limit on the the amount of money a person must be spending in order to use their credit/debit card. I completely understand the reasoning behind this as it saves time.


Comments

  • #2
    CantGetNoSleep
    Registered Users, Registered Users 2 Posts: 7,273 ✭✭✭CantGetNoSleep


    Yes they can


  • #3
    drunknmunky_21
    Closed Accounts Posts: 21 ✭drunknmunky_21


    thank you


  • #4
    source
    Registered Users, Registered Users 2 Posts: 5,288 ✭✭✭source


    It's not because it saves time, it's because the shop is charged an administration fee by the bank they have the machine through for each transaction, and it's not worth their while to put a transaction through if it's below a certain amount.


  • #5
    FreudianSlippers
    Registered Users, Registered Users 2 Posts: 20,397 ✭✭✭✭FreudianSlippers


    I have heard that in the US, Visa and Mastercard have told shopowners that they cannot enforce a "minimum purchase" rule as it goes against the POS Terms & Conditions.

    I'd imagine a similar rule exists here but is not enforced.

    It's a pain in the arse and I hate it when shops say 5quid minimum because I almost never carry cash anymore.


  • #6
    ScouseMouse
    Closed Accounts Posts: 5,070 ✭✭✭ScouseMouse


    OisinT wrote: »
    I have heard that in the US, Visa and Mastercard have told shopowners that they cannot enforce a "minimum purchase" rule as it goes against the POS Terms & Conditions.

    I'd imagine a similar rule exists here but is not enforced.

    It's a pain in the arse and I hate it when shops say 5quid minimum because I almost never carry cash anymore.

    It may be here in our terms and conditions already, I am unsure, but it is pretty much unenforcable.

    As I posted elsewhere last week, someone presented a laser card to pay for a €3 quickpick but as it would have put me into a loss, I refused it.

    I wont pay 20 odd cent to earn 18 cent !!!


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  • #7
    FreudianSlippers
    Registered Users, Registered Users 2 Posts: 20,397 ✭✭✭✭FreudianSlippers


    superscouse wrote: »
    It may be here in out terms and conditions already, I am unsure, but it is pretty much unenforcable.

    As I posted elsewhere last week, someone presented a laser card to pay for a €3 quickpick but as it would have put me into a loss, I refused it.

    I wont pay 20 odd cent to earn 18 cent !!!
    I disagree about it being unenforceable - I believe that in the US customers complained about the charges to the VISA or MasterCard offices and the services were revoked.


  • #8
    Jo King
    Banned (with Prison Access) Posts: 2,139 ✭✭✭Jo King


    I think the issue above refers to shops charging the customer a premium for handling the credit transaction. It is a different matter if the shop refuse to make the transaction at all. I have difficulty with the notion that a shop is obliged to carry out a transaction at a loss. Shops which carry out a large number of small transactions would be forced to stop taking cards at all even for larger transactions.
    I think it is perfectly reasonable for shops to have a minimum spend. The charges from the companies and the time taken to process the transaction are disproportionate to the value of the sale. Carrying around a small amount of cash should be no hardship for most people.


  • #9
    ScouseMouse
    Closed Accounts Posts: 5,070 ✭✭✭ScouseMouse


    OisinT wrote: »
    I have heard that in the US, Visa and Mastercard have told shopowners that they cannot enforce a "minimum purchase" rule as it goes against the POS Terms & Conditions.

    I'd imagine a similar rule exists here but is not enforced.

    It's a pain in the arse and I hate it when shops say 5quid minimum because I almost never carry cash anymore.

    Are you seriously expecting a shop to accept a card for a small purchase like a drink and bag of crisps?

    A shop is a business that sells things for a profit.

    Profit pays the bills and wages.

    What you are saying is purely unreasonable.


  • #10
    GerardKeating
    Registered Users, Registered Users 2 Posts: 7,719 ✭✭✭GerardKeating


    OisinT wrote: »
    I disagree about it being unenforceable - I believe that in the US customers complained about the charges to the VISA or MasterCard offices and the services were revoked.

    Not exactly correct,

    The card schemes (Visa, Mastercard etc.) have rules about charging an extra fee for cc transactions, but offering a "discount" for cash is permitted at present.

    There are no rules at present against a minimum transaction value.


  • #11
    Tigger
    Closed Accounts Posts: 16,705 ✭✭✭✭Tigger


    credit card is fine (its a %)
    laser is a fixed charge (15c) different for different peeps

    so if a shop hakes only 5% then you need to spend a tenner or feck off

    i haz a sine


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  • #12
    32minutes
    Registered Users Posts: 123 ✭✭32minutes


    superscouse wrote: »
    Are you seriously expecting a shop to accept a card for a small purchase like a drink and bag of crisps?

    A shop is a business that sells things for a profit.

    Profit pays the bills and wages.

    What you are saying is purely unreasonable.


    Depends on the Business, generally the more a company deals with cash/coin the more they stand to gain from taking laser cards as the charges for business deposits in banks can sometimes be exorbidant making laser trans much cheaper.

    The other thing is most business' dont realise that they have tons of options for accepting card payments they are NOT necessarily bound to stick with the terminal and therefore the charges their primary bank provides.

    Its also safer and can reduce insurance premiums. Not that it's all rosy in the garden for electronic payments but there's generally too much cash/cheques in our system


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