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Charged extra for paying by debit card

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  • Darksun
    Darksun Posts: 1,931 Forumite
    I think the merchant fees for debit cards is around 50p per transaction, for small retailers at least (obviously the higher your volume of transactions, the lower the fee you will be able to negotiate with the provider). The merchant agreement may specify what minimum spend and charges the shop are allowed to levy, so the shop may have been breaching this agreement. They're not breaching consumer law though.
  • MamaMoo_2
    MamaMoo_2 Posts: 2,644 Forumite
    Luckily, it's not a shop I frequent. I usually nip in on the way to my Dad's to grab some chocolate for my brothers, and I almost always have cash on me. It's not a case of me being lazy. It just so happens that I hadn't gone to the cash machine earlier that day as I was running late, and figured I had enough cash on me to grab what I needed. I decided that as I was in the shop, I might as well grab some more nappies and baby milk to save me going to the shops today, and as I'd overspent by about £3-4 I decided to pay by card.
    I wish I'd just put the nappies etc back now, but I certainly won't bother going there again.
    As I say, there're shops a 2 minute walk away that're cheaper, open just as late, and don't charge for card transactions, and in future, it will be those shops that get my custom.
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