Aldi

FOREVER21

meer53 wrote: »

I shop regularly in Aldi. I use a debit card or cash. I would hazard a guess that 60% of shoppers there don't own a credit card, shoppers in Aldi tend to be people who have to budget very carefully and don't have access to credit facilities. I think Aldi are very in tune with their customers and their lifestyles.

This is at odds with my experience of our new Aldi, the car park is full with 4x4s and one or two Range Rovers not exactly fitting the profile that you suggest

meer53

FOREVER21 wrote: »

This is at odds with my experience of our new Aldi, the car park is full with 4x4s and one or two Range Rovers not exactly fitting the profile that you suggest

Not everyone who drives a Range Rover or 4 x 4 has lots of money !
I bet most of them are having to shop at Aldi in order to run their chelsea tractors.

earthstorm

Jonboy_1984 wrote: »

Out of genuine curiosity how do consumer rights compare in the USA (Thinking S75 and IVA's etc. here)?

not sure i just come across some merchant providers offering free merchant services but the only catch is you have to be a USA business

melanzana

meer53 wrote: »

I shop regularly in Aldi. I use a debit card or cash. I would hazard a guess that 60% of shoppers there don't own a credit card, shoppers in Aldi tend to be people who have to budget very carefully and don't have access to credit facilities. I think Aldi are very in tune with their customers and their lifestyles.

Aldi are making their own decisions based on the cost of processing CC payments. End of.

As for your comment that 60% of shoppers there are budgeting very carefully and dont have CCs...I would say that you need to be less judgmental. In fact I am a very annoyed at your comment , which IMV was a bit presumptious if you ask me!

I could ask how you know that precisely 60% of their customers are in the carefully budgeting cohort without CCs, but I think I know the answer to that one.

Aldi products are amazingly good, and terrific value, and no wonder the car parks are full.

Their customers come from all angles and all circles, And are rightly giving the big supermarkets a bloody good run for their money.

rageagainstessays

patchwork_cat wrote: »

How out of touch are you !


' A retail research company, has calculated that last year 12.9 per cent of Aldi’s regular customers were from the A B socioeconomic group – what most people would call “middle class”. That figure has leapt to 18.6 per cent this year.' http://www.telegraph.co.uk/foodanddrink/10412195/How-Aldi-won-the-class-war-and-became-the-fastest-growing-supermarket-in-Britain.html

Perhaps I am out of touch, but that still leaves 80% of the Waitrose brigade who have never stepped foot in the place.

I'm just saying, poor people don't have as many credit cards as the rich. How is one supposed to spilt there £100 a p/w dole between their centurion and mastercards

reclusive46

earthstorm wrote: »

Not really. If my business was in the USA, i could get a CC merchant account for FREE with a very low 0.01c per transaction, but in the UK like everything the charges are OTT

Really?!?! The USA has some of the highest interchange fees in the world. Visa and MasterCard's average interchange is about 2%, American Express around 2.25% to 2.5% and Discover (USA card network that owns Diners Club for those who don't know) somewhere between them.

I believe what you are referring to is the Swipe and PIN debit card transactions and the low transaction costs. Many US consumers press credit on their debit cards anyway, so it processes via the signature networks (Visa,MC,Amex,DC) and is charged at the same rate compared to credit cards, even more of a rip-off! They normally do this because they can sign (Don't have to remember a PIN) and in many locations like restaurants, there is no PIN pad. No debit rates for card not present transactions either!

skivenov

Personally, I shop there because anywhere else hasn't got the quality for anything like the price.

In the one by me though, most of the customers pay out of the big fold of cash they're walking about with. :eek:

Wealth's what you've got, not how you show it. I know a millionaire who rides about in a 15 year old diesel Audi estate, and is as scruffy in his appearance as me.

Gromitt

2e0arr wrote: »

You have made a very good point . Are Aldi Customers in England and Norther Ireland apart from Berwick Upon Tweed indirectly subsidising Aldi customers outside of England ?

More to the point, are the prices of the goods at the store in Berwick Upon Tweed (and the rest of Scotland) the same price as the stores in England?

earthstorm

dalpay.com/ 4.9% +0.40 USD per transaction.

https://www.bigcommerce.com/payments/accept-credit-cards/ $9.99 a month 2.65% Transaction rate $0.30 Per transaction

both these offer

• No setup fees
• No termination fees
• Gateway included
• Merchant account included

In the UK you are charged an average £15 a month and anywhere from £99 to £300 for the terminal, and then you will be charged extra for online gateway, then you bank will charge you a monthly fee for a merchant account.

Hominu

I'm just going to throw these links out there:

Berwick-upon-Tweed: English or Scottish?

Forget Scotland and England; Berwick-upon-Tweed is pondering going global

and according to Google, it's not currently trending as a search term.