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Minimum spend of €10 in order to use debit card @ The Academy?

mrcheez

I was at The Academy venue in Dublin recently and when I went to pay €6.70 for my drink with my debit card I was told:

"Minimum order has to be €10 in order to use a debit card"

Is this a common practice, or even legal?

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L1011

If you're paying a set fee that high with an average purchase value that low youed to change provider - you may as well not have the terminal.

[Deleted User]

ED E wrote:

And you'd have to have more fingers than brain cells to pay that much.

Brain cells or not, so long as merchant services can change these fees (&they can) then you will have retailers setting minimum orders.

Why do you suppose any retailer would set minimum order if they were just paying a small percentage? Lots of retailers pay a set fee per transaction.

ED E

Sleeper12 wrote: »

So long as merchants can charge 75c per transaction you will always have some retailers setting a minimum spend. I just don't see how the retailers are getting blamed for the price structure set by the merchant

They are the merchant. You're confusing an MSP with a merchant(retailer).

And you'd have to have more fingers than brain cells to pay that much.

Johnny Red Cab

If someone is paying 75 cent per transaction they need to take lessons in negotiations.

[Deleted User]

swampy353 wrote:

If a pub doesn't offer a service that's fine but when the pub is selective about when they'll offer it, that's the issue.

So long as merchants can charge 75c per transaction you will always have some retailers setting a minimum spend. I just don't see how the retailers are getting blamed for the price structure set by the merchant

swampy353

Sleeper12 wrote: »

Just had a few pints in the Donaghmede Inn. One of the biggest pubs in the area. It's still cash and cheques there. No cards at all. Pass machine outside if you need

If a pub doesn't offer a service that's fine but when the pub is selective about when they'll offer it, that's the issue.

[Deleted User]

Just had a few pints in the Donaghmede Inn. One of the biggest pubs in the area. It's still cash and cheques there. No cards at all. Pass machine outside if you need

worded

BobMc wrote: »

My terminal rental and it includes all charges for any transactions (up to 6k per month) e58 per month including VAT

Whats their web site pls?

BobMc

My terminal rental and it includes all charges for any transactions (up to 6k per month) e58 per month including VAT

worded

Stumbled on this from an ad on boards ...

https://sumup.ie/welcome/home/?gclid=Cj0KCQiAhKviBRCNARIsAAGZ7CeS1ZugEX8RBgFokIFi_w-m5jrVZZd9dS6f-RPjwngpUiRdUCT2HEMaAlE9EALw_wcB

fritzelly

Its cheaper for a business to accept contactless than it is to lodge cash
There is legislation in place for debit card transactions, cannot remember the charge but google it, its tiny like less than 1%, and that is EU law. Credit cards are a different story
The only proviso is your merchant company charges on top

the heathen

Deleted User wrote:

Which centra, out of curiousity?

The one at Drogheda Leisure Park/Rathmullen. I don't think I've seen a 'minimum spend' sign up in the store but go up with your sandwich and you'll find out. :-)

Time

Sleeper12 wrote: »

I was with BOIPA up to last year. They were 50c and 75c per transaction. Inc the machine it cost 40 euros per month for 2k worth of transactions

Edit none of my transactions qualified for contactless as they were much higher than 30 euros

I'm putting over 20 times that through the machine a month so the rates are negotiated. Try Worldpay through IOC.

[Deleted User]

I was with BOIPA up to last year. They were 50c and 75c per transaction. Inc the machine it cost 40 euros per month for 2k worth of transactions

Edit none of my transactions qualified for contactless as they were much higher than 30 euros

[Deleted User]

worded wrote:

So who are the cheapest providers please and I will let them know. They inherited the CC system from the previous owners

I'd love to know too. Ecomn charge me .5 percent debit transaction & .75 percent credit. 1.4 percent for a business card. I also pay 20 euro per month for the machine rental.

Time

Sleeper12 wrote: »

Who is your provider? What fees for credit cards? I'm paying a hell of a lot more than that

I'm on a negotiated rate with BOIPA. Credit cards are 1.03% for Visa and 1.039% for MC with no set transaction charge.

worded

Time wrote: »

Well then they need to change provider because they're being ripped off. I get charged 0.12% and 7c for a Visa or MC debit transaction which means to pay 35c i'd be processing €23,334 in a single transaction.

So who are the cheapest providers please and I will let them know. They inherited the CC system from the previous owners

Thanks

[Deleted User]

Time wrote:

Well then they need to change provider because they're being ripped off. I get charged 0.12% and 7c for a Visa or MC debit transaction which means to pay 35c i'd be processing â‚¬23,334 in a single transaction.

Who is your provider? What fees for credit cards? I'm paying a hell of a lot more than that

eagle eye

I wouldn't accept that anywhere. If somebody tells me they don't accept an order under a certain amount I just won't buy there.
What would happen if you got 5 euro petrol at a shop which tells you they don't accept orders under 10 euro? Are they going to drain the petrol?

Time

worded wrote: »

I know a new coffee shop struggling to survive as they are getting charged 35 cent per transaction.
That’s a huge % of a coffee sale

You are giving a billion dollar corporate bank a huge % of profits from small businesses

Sure costa etc can afford it but your stance will help make it difficult for small businesses to survive

Do you just want franchises everywhere that can absorb the hit you are imposing on them ?

For me I want to help small business and I’m anti bank. They world wide shaft everyone (remember angle irish etc that nearly bank rupted the country) and you want to help them because it’s so convenient to have a card on you ?

Well then they need to change provider because they're being ripped off. I get charged 0.12% and 7c for a Visa or MC debit transaction which means to pay 35c i'd be processing €23,334 in a single transaction.

[Deleted User]

the heathen wrote: »

Like many, I'm almost entirely cashless these days - rarely carry cash. There's a Centra close to where I work in Drogheda that has a 5 euro minimum spend policy. They do have a cash machine in store but as often as not it's only stocked with 50 euro notes which is a pain in the backside when you're just buying a €3.50 sandwich.

It's the only place in Drogheda that I can think of with this policy. I'd be happy enough if they passed on whatever charge they incur to me but I presume that's not legal?

Which centra, out of curiousity?

I'd regularly be in Ballsgrove and the Rathmullan Road, and occassionally in Hardman's Gardens, and haven't seen it mentioned in those ones?

listermint

worded wrote: »

I know a new coffee shop struggling to survive as they are getting charged 35 cent per transaction.
That’s a huge % of a coffee sale

You are giving a billion dollar corporate bank a huge % of profits from small businesses

Sure costa etc can afford it but your stance will help make it difficult for small businesses to survive

Do you just want franchises everywhere that can absorb the hit you are imposing on them ?

For me I want to help small business and I’m anti bank. They world wide shaft everyone (remember angle irish etc that nearly bank rupted the country) and you want to help them because it’s so convenient to have a card on you ?

Yes these guys are not on the ball. They haven't a breeze how to shop around for payment providers if that's the case.

L1011

Laser was flat fee (originally at least), but it's long long gone

ED E

worded wrote: »

I know a new coffee shop struggling to survive as they are getting charged 35 cent per transaction.
That’s a huge % of a coffee sale

Then they're dopes.

Sumup would charge 8c on a €3 transaction.

[Deleted User]

Johnny Red Cab wrote:

25 cents per transaction would be the norm.

That's not true at all.

I changed providers last year and I can assure you that none were Anyway near 25c per transaction. I shopped around. I would snap up that deal in a heart beat. My average transaction is 350 euro. I'd love to only pay 25c per transaction

Johnny Red Cab

25 cents per transaction would be the norm.

[Deleted User]

mrcheez wrote:

From what I read the charge is 1% for a debit card. Pretty tiny.

Not entirely true. Bigger retailers pay lower commission than smaller retailers. Many plans charge a flat fee & not a percentage at all. Flat fee is great if the transaction is hundreds of euro but very expensive for small transactions. You can't really generalise as there are so many different plans for different retailers

[Deleted User]

oLoonatic wrote:

its the merchant (bank) you can make a complaint to. I had a couple of euro left in my account before pay day and dropped in with my son to a local centra to buy him a packet of sweets. total was 3 euro or there abouts. My child had already opened the sweets when the guy in the till wouldn't accept the card. I handed him back the half chewed sweets and walked out. Disgraceful that companies still do this / get away with it.

Some merchant card plans don't change the retailer a percentage. Some charges a fee per transaction. I was with BOI card services last year and was charged 75c per transaction on a credit card and 50c on a debit card transaction.

[Deleted User]

steo_magra wrote:

A particular pub in Blanchardstown has a 30 euro minimum spend. So obviously they donâ€™t like contactless but this has to be illegal! It boils my blood as itâ€™s expensive enough as it is. Paid less in a hotel for a bottle of wine at the weekend.

Why would it be illegal?

There is no legal obligation for them to accept a card at all.

Cash is still king

worded

bigpink wrote: »

Thought the American bar staff would be happier with cash cause of tips?

I’d imagine tips are way down with card use