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Old 09-21-2020, 12:36 PM
 
252 posts, read 113,397 times
Reputation: 206

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I know this started at some point last year and I'm curious about something. Based on people I've spoken to and much research online, it appears that these "surcharges" for when you now pay with a card only apply to CREDIT cards and it is simply not allowed with debit cards.

I went to a local pizzeria today and got two slices and before paying with my DEBIT card I informed the guy a surcharge was not legal. He claimed I was "wrong" and it's "just for all cards". Can anyone out there clarify? There are articles all over the internet noting how these fees/surcharges are only for credit.
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Old 09-21-2020, 01:44 PM
 
Location: Former LI'er Now Rehoboth Beach, DE
10,170 posts, read 12,855,564 times
Reputation: 10595
You are confused and should really do a better job of understanding how cards work. If a merchant accepts a credit card he is charged approximately 2.3% (or higher) to allow you to use your card. Debit cards can be processed via the same methods as a credit card now, and therefore they are permitted to pass that fee along. This is not the case, many times, but the option is there.

FWIW your research should have discovered the Covid surcharge which applies to ALL cards, if the merchant wants to charge you.
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Old 09-21-2020, 02:18 PM
 
13,365 posts, read 6,578,699 times
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It also may depend on how it’s processed. Usually debit cards are also able to be processed through a credit network - if it’s run through that way (you don’t put in a PIN at a terminal) it’s treated just like a credit card.
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Old 09-21-2020, 02:38 PM
 
252 posts, read 113,397 times
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Quote:
Originally Posted by nuts2uiam View Post
You are confused and should really do a better job of understanding how cards work. If a merchant accepts a credit card he is charged approximately 2.3% (or higher) to allow you to use your card. Debit cards can be processed via the same methods as a credit card now, and therefore they are permitted to pass that fee along. This is not the case, many times, but the option is there.

FWIW your research should have discovered the Covid surcharge which applies to ALL cards, if the merchant wants to charge you.
In no way shape or form did I mention anything about a Covid/dining surcharge.
This is a topic about the basic credit card surcharge that restaurants began implementing over the course of the last year.
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Old 09-21-2020, 02:59 PM
 
247 posts, read 689,371 times
Reputation: 129
Quote:
Originally Posted by LI7788 View Post
In no way shape or form did I mention anything about a Covid/dining surcharge.
This is a topic about the basic credit card surcharge that restaurants began implementing over the course of the last year.
Merchants are allowed to impose the surcharge provided they have a sign noting that the prices reflect a cash discount.
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Old 09-21-2020, 03:02 PM
 
252 posts, read 113,397 times
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Quote:
Originally Posted by atypicalLIer View Post
Merchants are allowed to impose the surcharge provided they have a sign noting that the prices reflect a cash discount.
Not at all what I asked or what I'm looking to find out. Please read original post.
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Old 09-21-2020, 03:17 PM
 
967 posts, read 274,858 times
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Quote:
Originally Posted by LI7788 View Post
Not at all what I asked or what I'm looking to find out. Please read original post.
Maybe the merchant assumed you were talking about the Covid surcharge when you questioned the legality of it. That's a reasonable assumption, given the current situation.
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Old 09-21-2020, 03:26 PM
 
Location: Former LI'er Now Rehoboth Beach, DE
10,170 posts, read 12,855,564 times
Reputation: 10595
Quote:
Originally Posted by nuts2uiam View Post
You are confused and should really do a better job of understanding how cards work. If a merchant accepts a credit card he is charged approximately 2.3% (or higher) to allow you to use your card. Debit cards can be processed via the same methods as a credit card now, and therefore they are permitted to pass that fee along. This is not the case, many times, but the option is there.

FWIW your research should have discovered the Covid surcharge which applies to ALL cards, if the merchant wants to charge you.
You inferred I was speaking about Covid. I explained the charge per your question in the first paragraph and added that NOW Covid charges can apply to all cards.
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Old 09-21-2020, 04:57 PM
 
373 posts, read 118,499 times
Reputation: 649
2 slices for 6 dollars 3 percent fee is 18 cents. Just saying

In post 4 you say your talking about credit card fees. Which is it now. Credit or debit ?
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Old 09-21-2020, 06:30 PM
 
2,270 posts, read 3,475,615 times
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Yet again, another “Fee”. Just like the 10% “COVID Surcharge” at NYC restaurants.
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