Not taking card payments

cms88

Just wondering if people think this is an issue? Would it be enough to stop you from going to a shop that didn't take card payments?

goz83

yes

Dubl07

It depends on the nature of the goods on sale. Vegetables, fruit, meat, I'm happy to pay cash. Electronics, white goods, long-term items I generally pay by Visa. Anything I can't take away with me gets paid for by Visa. So yes, I'd walk away.

colm_mcm

People vote with their feet. It's the shops loss if there are a significant number of people who don't do business.

Can't see that it's much of an issue though. It's usually easy enough to tell in advance if cards are taken or not.

NomadicGray

Probably, if theres no atm near, i rarely have a cash anymore. Only one that doesnt accept is the barber so I know to get cash before hand.

ytpe2r5bxkn0c1

It all depends on what the shop sells. I only use cash for newpapers, cigarettes etc. Even the weekly groceries are cash after a visit to the ATM.

It would need to be unexpected clothing or electrical goods or diesel before I'd use the debit card.

Dubl07

Alani Salty Luck wrote: »

It all depends on what the shop sells. I only use cash for newpapers, cigarettes etc. Even the weekly groceries are cash after a visit to the ATM.

It would need to be unexpected clothing or electrical goods or diesel before I'd use the debit card.

I get hit with bank charges every time I use an ATM for cash or pay by debit card. I now try to keep <=€20 for odds and ends and use the credit card as much as possible. It doesn't attract a transaction charge. If I pay it off every month there's just a €30 tax around April instead of what was approaching quarterly €30 debit charges. For using my own money from a bank that is owned by Irish citizens. It's bloody outrageous.

haveringchick

None of the chippers in our town,except for one ( Supermacs), have card machines and it's a real nuisance

MarkAnthony

cms88 wrote: »

Just wondering if people think this is an issue? Would it be enough to stop you from going to a shop that didn't take card payments?

My regular bike shop and barbers don't take cards.

Oddly there are a number of escorts in Dublin that do take them, you'd think that was a cash only business.

dr.fuzzenstein

Dubl07 wrote: »

I get hit with bank charges every time I use an ATM for cash or pay by debit card. I now try to keep <=€20 for odds and ends and use the credit card as much as possible. It doesn't attract a transaction charge. If I pay it off every month there's just a €30 tax around April instead of what was approaching quarterly €30 debit charges. For using my own money from a bank that is owned by Irish citizens. It's bloody outrageous.

What? What sh*tty bank is that?

VincePP

Dubl07 wrote: »

I get hit with bank charges every time I use an ATM for cash or pay by debit card. I now try to keep <=€20 for odds and ends and use the credit card as much as possible. It doesn't attract a transaction charge. If I pay it off every month there's just a €30 tax around April instead of what was approaching quarterly €30 debit charges. For using my own money from a bank that is owned by Irish citizens. It's bloody outrageous.

obviously you didn't read what was done in the budget.

The previous €5 duty has been replaced by a 12c per atm transaction charge up to a maximum of €5 in any one year. ZERO duty/tax on terminal transactions within a store when purchasing.

Your bank may then have its own charges, but plenty of packages about to minimise these or get it free.

ytpe2r5bxkn0c1

Dubl07 wrote: »

I get hit with bank charges every time I use an ATM for cash or pay by debit card. I now try to keep <=€20 for odds and ends and use the credit card as much as possible. It doesn't attract a transaction charge. If I pay it off every month there's just a €30 tax around April instead of what was approaching quarterly €30 debit charges. For using my own money from a bank that is owned by Irish citizens. It's bloody outrageous.

Nice rant. I don't pay to use ATM or Debit Card, so I don't pay to use my own money, as you put it. Do what suits you and I'll do what suits me.

L1011

Since BOI started charging so heftily for card transactions I now use my credit card for virtually everything and pay it off in large lumps throughout the month. Stops being charged 10c for every 6 quid delivery lunch transaction etc.

Have the credit card anyway for the things you basically need a proper credit card for - car hire, hotels - so its not like I'm paying the card stamp duty (€30, so fairly significant) just to avoid paying that much in transaction fees. Although even if it was a straight trade it's probably better the state get it than a private bank.

Speedwell

We quit BOI over this issue.

Yes, yes, a thousand times yes. If I happen to not be carrying enough cash (and I don't like to carry a lot of cash around), and a store wastes my time by making me have to leave my shopping at the checkout, if it's for things I can get elsewhere, you bet your bananas I WILL go elsewhere next time.

ssmith6287

I drive past 3 chinese takeaways to use the 1 that accepts card payments

Homer

MarkAnthony wrote: »

Oddly there are a number of escorts in Dublin that do take them, you'd think that was a cash only business.

Oh really?! Mate of a mate told you yeah

yes there

Got a taxi the other week who didnt take card. Lost my business from here on in unfortunately

dudara

I pretty much use cards exclusively, particularly credit card to avoid transactions fees. It's not uncommon for me to go 4 weeks or more without cash.

Businesses that don't take card are unlikely to get repeat business from me. Dublin Airport taxi drivers are the worst for this IMO. A shocking amount of them don't take card payments. A great welcome to Ireland for many.

Ursus Horribilis

I don't usually carry a lot of cash around with me so if I was going to go into a shop that didn't take cards, there'd be an upper limit to what I'd be spending. If I was in the same shop and knew it accepted cards, I'd be more likely to pick up more things. I might even pay for them

niallo32

I pay for nearly everything by Debit/Credit card and avoid shops that don't take them. Only use cash in them when I'm stuck.

mass_debater

I usually avoid places that don't take card. I want to use contactless so opt for these where I can but will refuse to revisit any place that insists on €10 minimum spend

ted1

L1011 wrote: »

Since BOI started charging so heftily for card transactions I now use my credit card for virtually everything and pay it off in large lumps throughout the month. Stops being charged 10c for every 6 quid delivery lunch transaction etc.

Have the credit card anyway for the things you basically need a proper credit card for - car hire, hotels - so its not like I'm paying the card stamp duty (€30, so fairly significant) just to avoid paying that much in transaction fees. Although even if it was a straight trade it's probably better the state get it than a private bank.

I just moved banks...

bigpink

Save cash people very important for small business and part time trader and hobby sellers

ted1

bigpink wrote: »

Save cash people very important for small business and part time trader and hobby sellers

It's very easy for those guys to take cards.

Something like this : https://sumup.ie

L1011

ted1 wrote: »

I just moved banks...

I don't trust the direct debit 'guarantees' for moving too much; and I've pay/expenses from three companies inbound that I'd lay money would go to the wrong account. Its on the list for this year after I finally did the paperwork nightmare of changing mortgage protection though.

anothernight

I only ever have a few coins on me for the odd time I need to pay for parking. Otherwise I simply never carry cash. Cashless system at work and in college, pay for groceries by card, etc. I can't think of any local shops that don't accept card payments, but if one of them did, I would avoid it.

cms88

Interesting replies to this. The ones i dont understand as to why they dont take cards are shops with big prices items tiles etc

One well known furniture shop in Tralee i know is losing huge amounts of business, yet the owner will never admit they are. Crazy stuff

anothernight

cms88 wrote: »

Interesting replies to this. The ones i dont understand as to why they dont take cards are shops with big prices items tiles etc

One well known furniture shop in Tralee i know is losing huge amounts of business, yet the owner will never admit they are. Crazy stuff

Wait, what? There's shops out there selling big purchase items and not accepting card payments?! Do they expect people to carry €1000+ cash on them? That's crazy.

rubberdiddies

many people, possibly the vast majority, get hit with a transaction charge (circa 15 to 20c) every time they use their debit card.

This to me is a disincentive to use those cards.
I personally try to pay with Credit Card and then just pay off the credit card once per month.

BOI for example charge 10c every time you use your debit card to pay for anything. This can quickly add up over the course of the year. Even only using it twice per day adds up to €73 per year. Doesn't make a lot of sense to me. AIB charge 20c per transaction.

I also always like to have cash on me and will generally paay by cash first because the credit card balance can add up without you realising.

I hope we don't become a cashless society because the banks would really control us then!

haveringchick

L1011 wrote: »

Since BOI started charging so heftily for card transactions I now use my credit card for virtually everything and pay it off in large lumps throughout the month. Stops being charged 10c for every 6 quid delivery lunch transaction etc.

Have the credit card anyway for the things you basically need a proper credit card for - car hire, hotels - so its not like I'm paying the card stamp duty (€30, so fairly significant) just to avoid paying that much in transaction fees. Although even if it was a straight trade it's probably better the state get it than a private bank.

A friend of mine pays for absolutely everything with her Tesco credit card. Every tiny little thing, pays it off before the end of the month and gets tons of Tesco vouchers back to boot

Ursus Horribilis

cms88 wrote: »

Interesting replies to this. The ones I don't understand as to why they don't take cards are shops with big prices items tiles etc

One well known furniture shop in Tralee I know is losing huge amounts of business, yet the owner will never admit they are. Crazy stuff

That's mad. Is it an old business? I ask because there was one in a town near me which didn't move with the times. They still shut religiously at lunchtime even though they had enough staff to cover for it. They never opened late and didn't open on Sundays. I was once in there heading towards lunchtime and they basically ran myself and several other prospective customers out of the shop so they could shut

On the flip side, I once fell into conversation with a woman who runs a discount bookshop. She said she'll accept cards for all transactions, no matter how small. It'd be detrimental to the business if she didn't, she reckoned.

cms88

anothernight wrote: »

Wait, what? There's shops out there selling big purchase items and not accepting card payments?! Do they expect people to carry €1000+ cash on them? That's crazy.

it would seem so

anothernight

rubberdiddies wrote: »

many people, possibly the vast majority, get hit with a transaction charge (circa 15 to 20c) every time they use their debit card.

This to me is a disincentive to use those cards.
I personally try to pay with Credit Card and then just pay off the credit card once per month.

BOI for example charge 10c every time you use your debit card to pay for anything. This can quickly add up over the course of the year. Even only using it twice per day adds up to €73 per year. Doesn't make a lot of sense to me. AIB charge 20c per transaction.

I also always like to have cash on me and will generally paay by cash first because the credit card balance can add up without you realising.

I hope we don't become a cashless society because the banks would really control us then!

Free debit card transactions here. I'm with TSB in the UK. When I was with Halifax they were also free.

Banks already control us if we're keeping most of our money in banks anyway. Being cashless makes my life easier, so cashless FTW. (Nah, the choice should always be there)

cms88

Odus fell down wrote: »

That's mad. Is it an old business? I ask because there was one in a town near me which didn't move with the times. They still shut religiously at lunchtime even though they had enough staff to cover for it. They never opened late and didn't open on Sundays. I was once in there heading towards lunchtime and they basically ran myself and several other prospective customers out of the shop so they could shut

On the flip side, I once fell into conversation with a woman who runs a discount bookshop. She said she'll accept cards for all transactions, no matter how small. It'd be detrimental to the business if she didn't, she reckoned.

yes it is. Crazy say it cost them too much. but ignore the fact its actually costing them more business

dr.fuzzenstein

anothernight wrote: »

Free debit card transactions here. I'm with TSB in the UK. When I was with Halifax they were also free.

Banks already control us if we're keeping most of our money in banks anyway. Being cashless makes my life easier, so cashless FTW. (Nah, the choice should always be there)

https://number26.eu/ie/

Soon all Irish banks can kiss my ass. I have been working on transferring my mortgage to Germany, where the current variable rate is about 2%, not the more than twice theft and <SNIP> robbery going on here. It has been proven difficult, because German banks don't like that your assets and income is in Ireland.

L1011

dr.fuzzenstein wrote: »

https://number26.eu/ie/

Soon all Irish banks can kiss my ass. I have been working on transferring my mortgage to Germany, where the current variable rate is about 2%, not the more than twice theft and <SNIP> robbery going on here. It has been proven difficult, because German banks don't like that your assets and income is in Ireland.

The effective impossibility of quickly recovering the house in case of default here is likely to ensure that if you do get an offer from Germany it'll be far higher than 4%.

ytpe2r5bxkn0c1

dr.fuzzenstein wrote: »

It has been proven difficult, because German banks don't like that your assets and income is in Ireland.

More to do with the known fact that German banks can't get over how hard repossession is in Ireland.

Ursus Horribilis

cms88 wrote: »

yes it is. Crazy say it cost them too much. but ignore the fact its actually costing them more business

I forgot to mention in my original post that the business is gone now. I think there were other factors at play but they certainly didn't help themselves by not being open when it suited their customers. To my mind it's like that furniture business that won't accept card payments.

Have you ever heard why? Is it too much hassle for the owners?

MarkAnthony

Odus fell down wrote: »

I forgot to mention in my original post that the business is gone now. I think there were other factors at play but they certainly didn't help themselves by not being open when it suited their customers. To my mind it's like that furniture business that won't accept card payments.

Have you ever heard why? Is it too much hassle for the owners?

I would have thought tax plays a part

Come to think of it my accountant doesn't take cards either!

cms88

Odus fell down wrote: »

I forgot to mention in my original post that the business is gone now. I think there were other factors at play but they certainly didn't help themselves by not being open when it suited their customers. To my mind it's like that furniture business that won't accept card payments.

Have you ever heard why? Is it too much hassle for the owners?

Quote from the owner ''sure that'll only cost us money''

dr.fuzzenstein

Alani Salty Luck wrote: »

More to do with the known fact that German banks can't get over how hard repossession is in Ireland.

German banks are well used to finance property abroad, but more from a situation where you live and work in Germany and are buying a second home abroad.
As soon as your primary residence is outside Germany, they don't want to know, unless you have assets/income there to cover your liability.

dr.fuzzenstein

cms88 wrote: »

Quote from the owner ''sure that'll only cost us money''

That's a classic, along with "Ah, nobody would be wantin' that now"

ytpe2r5bxkn0c1

dr.fuzzenstein wrote: »

German banks are well used to finance property abroad, but more from a situation where you live and work in Germany and are buying a second home abroad.
As soon as your primary residence is outside Germany, they don't want to know, unless you have assets/income there to cover your liability.

And I say again. German banks have commented only in the past year that they have no interest in Irish mortgages, as repossessions are almost impossible to secure compared to the rest of mainland Europe.

Anyway. Back on topic.

I think the expectation of a retailer accepting cards is widespread. Would I boycott those without card facilities? It depends on the product costs.

Charles Babbage

rubberdiddies wrote: »

BOI for example charge 10c every time you use your debit card to pay for anything. This can quickly add up over the course of the year. Even only using it twice per day adds up to €73 per year. Doesn't make a lot of sense to me. AIB charge 20c per transaction.

BOI don't charge if you keep €3000 in the account, as the interest on this after DIRT would only be €20. That said with cashback in supermarkets etc you should get by on less than 2 transactions per day.

rubberdiddies

Charles Babbage wrote: »

BOI don't charge if you keep €3000 in the account, as the interest on this after DIRT would only be €20. That said with cashback in supermarkets etc you should get by on less than 2 transactions per day.

That's true, but not everyone has €3000 in their account for 90 days straight.
I'd go as far as saying the vast majority of people dont

ThisRegard

rubberdiddies wrote: »

many people, possibly the vast majority, get hit with a transaction charge (circa 15 to 20c) every time they use their debit card.

This to me is a disincentive to use those cards.

anothernight wrote: »

Free debit card transactions here. I'm with TSB in the UK. When I was with Halifax they were also free.

Since I started banking around 1990, I have never paid bank charges. The only additional costs I occasionally get are foreign exchange fees, but for any sort of banking within Ireland, I have never paid any.

I don't understand people using their credit cards over cash when they can use their debit cards instead without being charged by their bank.

People complain about getting charged, but they need to go and do a bit of research with regards changing banks altogether, or look into other types of accounts that their own offer.

ytpe2r5bxkn0c1

Likewise. I haven't paid Bank Charges in decades. Shop around for the best deal. I can use my debit card or withdraw cash at any time for no fee.

ED E

I received €80 in a private sale about a month ago, still have €70 in my wallet. Visa (debit) contactless is the absolute dogs proverbials. I keep a "float" in my BOI current account topped off by my demand account and so never pay fees other than conversion charges for amazon UK.

Cash costs us money, time we move on.

L1011

dr.fuzzenstein wrote: »

German banks are well used to finance property abroad, but more from a situation where you live and work in Germany and are buying a second home abroad.
As soon as your primary residence is outside Germany, they don't want to know, unless you have assets/income there to cover your liability.

An Irish house is worthless security to a German bank. You'll have to borrow against other assets

dr.fuzzenstein

L1011 wrote: »

An Irish house is worthless security to a German bank. You'll have to borrow against other assets

Well, yes, that's what I said. :pac:
And even with such assets, so far no dice. One bank said they are willing to loan me money towards a German property, but only to go towards that German property, i.e. they wanted to see builder's invoices and pay them direct. So, not even getting as far as Irish properties being difficult to repossess, though I'm sure that's a part of it, but German banks do not want to loan money even to a German with an address, family and seizable assets in Germany, if the money goes abroad, or at least Ireland.
So my guess is protectionist racket between banks who are not willing to piss in each other's soup.
I have talked to a dozen banks in Germany and on one or two occasions was nearly as far as having the papers send to me for mortgages to replace my Irish mortgage with a German one around at the 3% mark, when at the very last second, just before it was finalised, some flimsy, sh*te excuse was found not to go ahead with the deal. So in theory nothing wrong with the idea, but as soon as this deal is brought higher up, alarm bells and flashing lights start to go off and someone presses the big, red button marked Stop. I guess it goes against the official "screw the bastard" rule in Ireland. Free and open market only as long as Irish businesses get to gut you like a kipper.

ytpe2r5bxkn0c1

dr.fuzzenstein wrote: »

Well, yes, that's what I said. :pac:
And even with such assets, so far no dice. One bank said they are willing to loan me money towards a German property, but only to go towards that German property, i.e. they wanted to see builder's invoices and pay them direct. So, not even getting as far as Irish properties being difficult to repossess, though I'm sure that's a part of it, but German banks do not want to loan money even to a German with an address, family and seizable assets in Germany, if the money goes abroad, or at least Ireland.
So my guess is protectionist racket between banks who are not willing to piss in each other's soup.
I have talked to a dozen banks in Germany and on one or two occasions was nearly as far as having the papers send to me for mortgages to replace my Irish mortgage with a German one around at the 3% mark, when at the very last second, just before it was finalised, some flimsy, sh*te excuse was found not to go ahead with the deal. So in theory nothing wrong with the idea, but as soon as this deal is brought higher up, alarm bells and flashing lights start to go off and someone presses the big, red button marked Stop. I guess it goes against the official "screw the bastard" rule in Ireland. Free and open market only as long as Irish businesses get to gut you like a kipper.

German banks won't risk it in Ireland yet you keep saying Irish businesses are screwing us? Really? At least they'll deal with you.