Being Charged for using debit card???? is this legal

Jack_Gleeson

Recently in two local stores, I have been charged for using my debit card to make purchases, normally to the sum of 0.50p but just before I was charged £1 for getting cashback after paying for a few bits!!!! Why is this happening and if it is not legal who do i phone to report these theifs!!! It's bad enough being conned by the cash machines which charge you but now shops are getting in on the same scam!!!

I am sickened

williham

Of course it's legal. They should of course tell you first, but many little stores charge for cashback.
Cards are expensive for little stores to process so they sometimes add fees.

Jack_Gleeson

Also one of the reasons I'm suspicious of this is because on both occassions they have included the charge in the price of my purchase, for instance when I got cashback the sum of my goods was around £6, I then asked for £20 cashback so the cashier put through £27 onto my card.... this doesnt sound right to me.

Jack_Gleeson

I've never seen this before anywhere.

And I was charged the first time without getting cashback in an office licence.

williham

Obviously you should question whether they're doing it knowingly. I wouldn't just put my pin in if the amount wasn't what I thought it should be..

cifpower

Its just like using an independant ATM in small shops where you can get charged up to £2 a pop

Jack_Gleeson

The cashier on both occassions has told me there will be a charge but what my complaint is I have gone to these stores before and stores all over the country where there is no charge for using a DEBIT card, I understand the charge for credit cards but why debit?

cifpower

Jack_Gleeson wrote: »

The cashier on both occassions has told me there will be a charge but what my complaint is I have gone to these stores before and stores all over the country where there is no charge for using a DEBIT card, I understand the charge for credit cards but why debit?

The shop owner has to pay for both types of transactions.

Jack_Gleeson

well that sucks, it seems that cash is king

lesley1960

Jack_Gleeson wrote: »

Also one of the reasons I'm suspicious of this is because on both occassions they have included the charge in the price of my purchase, for instance when I got cashback the sum of my goods was around £6, I then asked for £20 cashback so the cashier put through £27 onto my card.... this doesnt sound right to me.

How else would they have got the £1 from you ? they could have just given you £19 I suppose ? , small shops will make a charge because they get charged for taking card payments , plus there is the rental of the machine . So if you arent buying much ,any profit they have made will be greatly reduced and probably cancelled out by the charges they incur . By offering you cashback they are providing a service .

gmang

IIRC, the retailer charge for debit cards is a flat rate regardless of how much you spend, whereas with a credit card they have to pay a percentage. This is why it's no skin off the shops nose to give you cashback on a debit card, they have already paid the same fee. In fact, you're sometimes doing them a favour by reducing the amount of cash they have to deposit in the bank.