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  • FIRST POST
    • MSE Megan F
    • By MSE Megan F 9th Jan 18, 8:19 PM
    • 195Posts
    • 74Thanks
    MSE Megan F
    MSE News: Credit and debit card charges banned from Saturday - what you need to know
    • #1
    • 9th Jan 18, 8:19 PM
    MSE News: Credit and debit card charges banned from Saturday - what you need to know 9th Jan 18 at 8:19 PM
    From Saturday you should no longer be charged a fee for opting to pay via credit or debit card - but companies will still be able to add booking or admin fees as long as they also apply to other forms of payment...
    Read the full story:
    'Credit and debit card charges banned from Saturday - what you need to know'

    Click reply below to discuss. If you havenít already, join the forum to reply.
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Page 1
    • I luv cats
    • By I luv cats 9th Jan 18, 9:11 PM
    • 13,875 Posts
    • 66,627 Thanks
    I luv cats
    • #2
    • 9th Jan 18, 9:11 PM
    started already!
    • #2
    • 9th Jan 18, 9:11 PM
    Just Eat in the news for adding 50p Service charge to all orders


    Cheeky or sneaky you make up your own mind
    • zx81
    • By zx81 9th Jan 18, 9:40 PM
    • 14,813 Posts
    • 15,651 Thanks
    zx81
    • #3
    • 9th Jan 18, 9:40 PM
    • #3
    • 9th Jan 18, 9:40 PM
    I'd say 'inevitable'...
    • jonesMUFCforever
    • By jonesMUFCforever 9th Jan 18, 10:54 PM
    • 24,357 Posts
    • 11,642 Thanks
    jonesMUFCforever
    • #4
    • 9th Jan 18, 10:54 PM
    • #4
    • 9th Jan 18, 10:54 PM
    I have been watching flight prices for this year's holiday - coincidence or not they have increased in price by approx 3 % this week?
    What goes around - comes around
    give lots and you will always receive lots
    • Ectophile
    • By Ectophile 9th Jan 18, 10:55 PM
    • 2,874 Posts
    • 1,779 Thanks
    Ectophile
    • #5
    • 9th Jan 18, 10:55 PM
    • #5
    • 9th Jan 18, 10:55 PM
    Are shops allowed to offer a discount for not paying by credit card?
    If it sticks, force it.
    If it breaks, well it wasn't working right anyway.
    • VT82
    • By VT82 9th Jan 18, 11:56 PM
    • 924 Posts
    • 747 Thanks
    VT82
    • #6
    • 9th Jan 18, 11:56 PM
    • #6
    • 9th Jan 18, 11:56 PM
    I foresee a lot of places currently charging a % fee for credit card payments just ceasing to accept them. Itís not as if anyone who has a credit card doesnít also have a debit card.
    • Nick_C
    • By Nick_C 10th Jan 18, 12:06 AM
    • 3,348 Posts
    • 4,586 Thanks
    Nick_C
    • #7
    • 10th Jan 18, 12:06 AM
    • #7
    • 10th Jan 18, 12:06 AM
    I foresee a lot of places currently charging a % fee for credit card payments just ceasing to accept them. Itís not as if anyone who has a credit card doesnít also have a debit card.
    Originally posted by VT82
    I can't see that happening at all. A lot of people use CCs to buy things they can't afford. If businesses stop taking CCs, they will lose sales.

    Even Aldi and Lidl gave in a while ago and started accepting CCs. The cost of accepting CCs is just another cost of running a business.

    It was relatively recently that CC surcharges became legal. I'm glad to see them being made unlawful again.
    • REJP
    • By REJP 10th Jan 18, 12:30 AM
    • 26 Posts
    • 32 Thanks
    REJP
    • #8
    • 10th Jan 18, 12:30 AM
    • #8
    • 10th Jan 18, 12:30 AM
    My local Village Hall Social Club charges for payment for beer and crisps etc by Debit Card.
    It is a nonprofit organisation.
    Will they have to stop this practice?
    • Nick_C
    • By Nick_C 10th Jan 18, 12:34 AM
    • 3,348 Posts
    • 4,586 Thanks
    Nick_C
    • #9
    • 10th Jan 18, 12:34 AM
    • #9
    • 10th Jan 18, 12:34 AM
    My local Village Hall Social Club charges for payment for beer and crisps etc by Debit Card.
    It is a nonprofit organisation.
    Will they have to stop this practice?
    Originally posted by REJP
    Read the article!
    • T-G-C
    • By T-G-C 10th Jan 18, 2:01 AM
    • 76 Posts
    • 5 Thanks
    T-G-C
    Just Eat in the news for adding 50p Service charge to all orders


    Cheeky or sneaky you make up your own mind
    Originally posted by I luv cats
    I would say itís both. When a law like this comes into force, it demonstrates the true colours of most companies.

    All about the cash - not customers. Iím waiting for Hungry House to update their system and add a flat fee - at the moment cash has no surcharge and online payment does.

    This law was due 10 years ago in my opinion, payments via card have boomed since 2000.
    • ric3vic
    • By ric3vic 10th Jan 18, 9:29 AM
    • 116 Posts
    • 127 Thanks
    ric3vic
    The credit card fee was simply a gouge tactic. Businesses whine about the costs of accepting credit cards, but they rarely talk about how much cheaper it is to have a payment into their account rather than swallow the costs of accepting cash: counting, recording, banking. I look forward to contacting a holiday lets agency in the north east to pay the balance of my holiday and telling them not to add the fee.
    • aj23
    • By aj23 10th Jan 18, 9:37 AM
    • 82 Posts
    • 48 Thanks
    aj23
    What about credit card fee for paying Three Mobile/EE etc. phone bill, which can be £3.50 to £5?
    • Nick_C
    • By Nick_C 10th Jan 18, 9:46 AM
    • 3,348 Posts
    • 4,586 Thanks
    Nick_C
    What about credit card fee for paying Three Mobile/EE etc. phone bill, which can be £3.50 to £5?
    Originally posted by aj23
    From Saturday you should no longer be charged a fee for opting to pay via credit or debit card - but companies will still be able to add booking or admin fees as long as they also apply to other forms of payment...
    Originally posted by MSE Megan F
    !!!!!!!!!!
    Last edited by Nick_C; 10-01-2018 at 9:59 AM.
    • crispy duck
    • By crispy duck 10th Jan 18, 9:48 AM
    • 7 Posts
    • 7 Thanks
    crispy duck
    I would say itís both. When a law like this comes into force, it demonstrates the true colours of most companies.

    All about the cash - not customers. Iím waiting for Hungry House to update their system and add a flat fee - at the moment cash has no surcharge and online payment does.
    Originally posted by T-G-C
    I'll be interested to see what hungryhouse does, as they don't currently have a flat fee for card payments, it varies by restaurant/takeaway. Some don't charge anything for online payment, some charge 50p and some £1. I would have thought they'd have said something by now.
    • Nick_C
    • By Nick_C 10th Jan 18, 10:00 AM
    • 3,348 Posts
    • 4,586 Thanks
    Nick_C
    What about credit card fee for paying Three Mobile/EE etc. phone bill, which can be £3.50 to £5?
    Originally posted by aj23
    From Saturday you should no longer be charged a fee for opting to pay via credit or debit card - but companies will still be able to add booking or admin fees as long as they also apply to other forms of payment...
    Originally posted by MSE Megan F
    !!!!!!!!!!
    • jimbo49
    • By jimbo49 10th Jan 18, 10:39 AM
    • 60 Posts
    • 14 Thanks
    jimbo49
    Credit and debit card charges
    we should all already know that in the UK if there is a way to rip customers off, businesses will find it and exploit it! and usually, in cases such as this, the 'new charge' will be higher than the old charge that has just been banned! you cant beat living in a great country!!
    • aj23
    • By aj23 10th Jan 18, 11:12 AM
    • 82 Posts
    • 48 Thanks
    aj23
    !!!!!!!!!!
    Originally posted by Nick_C
    What exactly does that signify?

    Three call it a discount for paying by DD. Not the same as a surcharge, but their £5 non-DD fee is essentially a surcharge which can be 25%-100% of your phone bill.

    Not clear cut.
    • NoodleDoodleMan
    • By NoodleDoodleMan 10th Jan 18, 11:36 AM
    • 189 Posts
    • 52 Thanks
    NoodleDoodleMan
    I have a Thomsons credit card whose principal attraction was no CC % surcharge when booking a Thomsons or First Choice holiday, either on the deposit or final balance.

    TUI have just dropped the additional fee for any CC payments, so I'm minded to bin their card and use my Amex which pays cashback.
    • DonnySaver
    • By DonnySaver 10th Jan 18, 11:37 AM
    • 418 Posts
    • 171 Thanks
    DonnySaver
    My sandwich shop charges 50p for using a card if the price is below £5. Will they be able to continue doing this?
    • lupus
    • By lupus 10th Jan 18, 11:37 AM
    • 2 Posts
    • 5 Thanks
    lupus
    Going Dutch will not be an improvement...
    Having been on holiday to the Netherlands, I worry about which way this might go. In many (possibly most?) shops, they only accept Debit cards. However, they mean some Dutch only scheme of debit cards which require you to have an account with a Dutch bank. Debit cards using the Visa or Mastercard systems (which is now most cards from UK banks) aren't accepted. Nor are credit cards at all. The argument is around the costs of the transaction, but contactless transactions appear to be unheard of, which have massively reduced the transaction costs.

    As a foreigner on holiday there, I found this most irritating. Their argument is to go to an ATM and get cash out. But if you have been trying to minimise the amount of foreign currency you are left with at the end of the trip, this can be costly. If you are at an unstaffed station, with machines and you don't have the right cash, then buying a ticket can be problematic if the only card mechanism accepted is local debit card. What is worse, is that there doesn't seem to be any standard - some do accept, some don't.

    I would much rather be presented with the cost of the transaction, and make the choice myself. If using a Halifax clarity card, the savings in currency conversion costs might completely outweigh the extra costs for paying by credit card. I can make the decision based upon my personal circumstances.

    Hopefully, as contactless use grows, the retailers will find they are incentivised to at least have the facility to accept payments using this mechanism. Can they say that they accept payment via contactless but not chip and pin? I'm guessing not, as sometimes with contactless you are required to enter your pin as well.
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