Fees for payments

Cruisekitty

Travel agent refusing to take payments by credit card over £100 as they say they're being charged too much with processing fee. Can travel agent decide this or are there rules?

MallyGirl

they can refuse to accept a card - the rules prevent them from passing the charge on to you like they used to do.

penners324

If they're a small independent then it's fair enough. It'll cut into their small profit margin.

dr_adidas01

Cruisekitty said:

Travel agent refusing to take payments by credit card over £100 as they say they're being charged too much with processing fee. Can travel agent decide this or are there rules?

They can decide what payment method they want to use if they don't want to take payment via credit card then that's there choice.

Are you paying by Amex?  If so I know a few places won't take them as they are charged a higher processing fee.

Cruisekitty

Planet Cruise, big company and wanted to pay by Visa

Se1Lad

Don’t forget that the protection you get with your debit card won’t necessarily be as good as if you paid by credit card.
The travel agent I use for booking my cruises does not take Amex but does take visa/MasterCard.  Before the rules changed they also accepted Amex but charged a 3% fee.

eskbanker

gjpowen said:

Don’t forget that the protection you get with your debit card won’t necessarily be as good as if you paid by credit card.
The travel agent I use for booking my cruises does not take Amex but does take visa/MasterCard.  Before the rules changed they also accepted Amex but charged a 3% fee.

Don't forget that the additional credit card protection you refer to (section 75) doesn't apply to purchases via intermediaries such as travel agents, as these break the debtor-creditor-supplier chain needed to sustain a claim under that legislation....

Se1Lad

eskbanker said:

gjpowen said:

Don’t forget that the protection you get with your debit card won’t necessarily be as good as if you paid by credit card.
The travel agent I use for booking my cruises does not take Amex but does take visa/MasterCard.  Before the rules changed they also accepted Amex but charged a 3% fee.

Don't forget that the additional credit card protection you refer to (section 75) doesn't apply to purchases via intermediaries such as travel agents, as these break the debtor-creditor-supplier chain needed to sustain a claim under that legislation....

I wasn’t referring to section 75 but chargeback - however I agree it’s not guaranteed protection - which is why I’d said ‘not necessarily’
Though saying that does chargeback cover debit cards as well as credit cards?

eskbanker

gjpowen said:

eskbanker said:

gjpowen said:

Don’t forget that the protection you get with your debit card won’t necessarily be as good as if you paid by credit card.
The travel agent I use for booking my cruises does not take Amex but does take visa/MasterCard.  Before the rules changed they also accepted Amex but charged a 3% fee.

Don't forget that the additional credit card protection you refer to (section 75) doesn't apply to purchases via intermediaries such as travel agents, as these break the debtor-creditor-supplier chain needed to sustain a claim under that legislation....

I wasn’t referring to section 75 but chargeback - however I agree it’s not guaranteed protection - which is why I’d said ‘not necessarily’
Though saying that does chargeback cover debit cards as well as credit cards?

That was my point - chargeback does cover both credit and debit cards, so the differential protection between credit and debit cards is section 75, where applicable.

Se1Lad

eskbanker said:

gjpowen said:

eskbanker said:

gjpowen said:

Don’t forget that the protection you get with your debit card won’t necessarily be as good as if you paid by credit card.
The travel agent I use for booking my cruises does not take Amex but does take visa/MasterCard.  Before the rules changed they also accepted Amex but charged a 3% fee.

Don't forget that the additional credit card protection you refer to (section 75) doesn't apply to purchases via intermediaries such as travel agents, as these break the debtor-creditor-supplier chain needed to sustain a claim under that legislation....

I wasn’t referring to section 75 but chargeback - however I agree it’s not guaranteed protection - which is why I’d said ‘not necessarily’
Though saying that does chargeback cover debit cards as well as credit cards?

That was my point - chargeback does cover both credit and debit cards, so the differential protection between credit and debit cards is section 75, where applicable.

Useful to know - would chargeback also work on Visa Electron?

eskbanker

gjpowen said:

eskbanker said:

gjpowen said:

eskbanker said:

gjpowen said:

Don’t forget that the protection you get with your debit card won’t necessarily be as good as if you paid by credit card.
The travel agent I use for booking my cruises does not take Amex but does take visa/MasterCard.  Before the rules changed they also accepted Amex but charged a 3% fee.

Don't forget that the additional credit card protection you refer to (section 75) doesn't apply to purchases via intermediaries such as travel agents, as these break the debtor-creditor-supplier chain needed to sustain a claim under that legislation....

I wasn’t referring to section 75 but chargeback - however I agree it’s not guaranteed protection - which is why I’d said ‘not necessarily’
Though saying that does chargeback cover debit cards as well as credit cards?

That was my point - chargeback does cover both credit and debit cards, so the differential protection between credit and debit cards is section 75, where applicable.

Useful to know - would chargeback also work on Visa Electron?

I think so, but would suggest that this digression has probably taken the thread too far off topic now!