MSE News: Some credit card users STILL being charged despite ban 15 January 2018 at 6:03PM edited 18 January 2018 at 2:16PM in Credit cards 40 replies 7.3K views

Former_MSE_Callum

A number of councils and businesses have continued to charge fees for credit card payments even after a new law outlawing the practice came into effect on Saturday, MoneySavingExpert.com can reveal – while other big brands have been wrongly warning customers they'll be charged...

Read the full story:
'Some credit card users STILL being charged despite ban'

Click reply below to discuss. If you haven’t already, join the forum to reply.

RedDwarf82

When asked to explain why it was still charging this fee despite the law changes, the manager told us it was a "service" fee not a "transaction" fee and added: "It's a slight grey area - customers are welcome to pay by cash if they don't want that service."

Somehow the "since this is clearly not what The Consumer Rights (Payment Surcharges) Regulations 2012, as amended by The Payment Services Regulations 2017, says we have reported it to Trading Standards" part has not been published.

chattychappy

This is the very type of regulation that we could be well rid of once out of the EU.

No doubt it's here to stay, though.

dresdendave

On the radio at work today I heard an advert for Ryanair which stated "2% fee for paying by credit card". Not sure if they are still broadcasting an old ad or whether they plan on ignoring the new rules.

glider3560

My parent's local Indian takeaway tried charging both myself and another customer £1.50 to pay by card. Both of us refused and left the food since they wouldn't budge on the charge (ordered from somewhere else whose food was actually cheaper, nicer and free delivery).

I see they've now updated the prices (every main meal is £1 more expensive and rice 50p extra) but offer 10% discount on cash payments. Basically still charging in all but words.

eskbanker

dresdendave wrote: »

On the radio at work today I heard an advert for Ryanair which stated "2% fee for paying by credit card". Not sure if they are still broadcasting an old ad or whether they plan on ignoring the new rules.

See http://forums.moneysavingexpert.com/showthread.php?p=73710079#post73710079 (although someone else posted about what sounds like the same radio ad shortly afterwards)

apcd2

Expedia are still adding a credit card fee to train tickets

Chrysalis

chattychappy wrote: »

This is the very type of regulation that we could be well rid of once out of the EU.

No doubt it's here to stay, though.

Unlikely given may tweeted about it as a tory policy.

eskbanker

apcd2 wrote: »

Expedia are still adding a credit card fee to train tickets

Tut tut, they're quite blatant and open about this too, as per https://www.expedia.co.uk/rails/payment:

Payment and ticket delivery fees
The booking service supplier, SilverRail, may charge additional fees depending on your method of payment or ticket delivery. The additional fees are not included in the total price displayed. The fees will be calculated directly by the supplier after you enter your payment details or select your ticket delivery method, and shown on the payments page prior to completing your booking. Please see the table below for details of the fees which will be charged by the supplier.

Payment method fees
Card type Fee (based on total price)
Visa debit No fee
Visa credit 1.5%
MasterCard credit 1.5%
American Express 2.5%

as well as this at checkout:

Our rail booking service supplier charges an additional non-refundable fee for paying with certain credit cards. You can avoid this fee by using a debit card.

Not sure if they're trying to claim that it's SilverRail's issue rather than their own, but since they bought a majority stake in SilverRail last year it's a bit of a moot point....

gripped

Very ill thought out this ban.

I'm an independent taxi driver.

Before the ban:
"Do you take card ?"
"Yes but it's 50p extra"
Either "No problem" or it turns out they did have cash after all.

After the ban:
"Do you take card ?"
"No but we can go via a cashpoint"
"OK". This will generally cost the customer more than 50p by the time we have diverted and waited.

My card machine is now purely for the scammers you wait until you've driven them home to the middle of nowhere and then say "You do take card don't you ?"

Yes I used to gain a little on a short fare paid by card and lose a little on a long fare. But a flat 50p charge just kept things simple and no-one was forced to pay it. No extra on cash.

On another note it's very rare to get a tip with a card payment so I'm better off without them

d123

glider3560 wrote: »

My parent's local Indian takeaway tried charging both myself and another customer £1.50 to pay by card. Both of us refused and left the food since they wouldn't budge on the charge (ordered from somewhere else whose food was actually cheaper, nicer and free delivery).

I see they've now updated the prices (every main meal is £1 more expensive and rice 50p extra) but offer 10% discount on cash payments. Basically still charging in all but words.

I’m sure I’ve seen it said that the legislation also bans “discounts” for cash.