Santander bank charges

Nasqueron

Zanderman said:

Nasqueron said:

Zanderman said:

Nasqueron said:

Patchaddy57 said:

GeoffTF said:

Do not accept cash payments.

We have a retail business, many of our customers are elderly and don't have access to card payments. 

Or rather, choose not to use cards, mine are late 70s and early 80s, and pay cards fine

Sad that unwillingness to learn costs you more money for the cash use

Using cash doesn't mean you haven't 'learnt' to use cards.  The customers concerned may just prefer to use cash.

The post I quoted literally states:

We have a retail business, many of our customers are elderly and don't have access to card payments. 

It doesn't say they prefer to use cash

It doesn't say they haven't learnt how to do card payments either. 

It's says they don't have access to card payments, but they do, anyone can get a contactless card from their bank to pay by card, they are choosing not to do this. It's not like chip and pin needing a PIN which people forget, just tap and go as so many elderly do fine. 

MyRealNameToo

Nasqueron said:

Zanderman said:

Nasqueron said:

Zanderman said:

Nasqueron said:

Patchaddy57 said:

GeoffTF said:

Do not accept cash payments.

We have a retail business, many of our customers are elderly and don't have access to card payments. 

Or rather, choose not to use cards, mine are late 70s and early 80s, and pay cards fine

Sad that unwillingness to learn costs you more money for the cash use

Using cash doesn't mean you haven't 'learnt' to use cards.  The customers concerned may just prefer to use cash.

The post I quoted literally states:

We have a retail business, many of our customers are elderly and don't have access to card payments. 

It doesn't say they prefer to use cash

It doesn't say they haven't learnt how to do card payments either. 

It's says they don't have access to card payments, but they do, anyone can get a contactless card from their bank to pay by card, they are choosing not to do this. It's not like chip and pin needing a PIN which people forget, just tap and go as so many elderly do fine. 

Most cards will periodically ask for a pin entry even if it's contactless. 

The old boy in our local in theory remembers his pin but with shakes and poor eyesight he isnt good at entering it but its ok because most the barmaids know his pin anyway as he always asks them to do it for him. Dunno what he's doing but at least once a week when I see him there at least one payment requests chip and pin (since they stopped people having tabs when not eating). 



Ultimately cash handling is expensive on a number of levels, adds cost of cashing up, having to do banking, banking charges, potentially insurance increases, more risks of sticky fingers etc. The reasons for many companies going no cash isnt just a whim and there are real reasons why some laugh when a customer ask for a discount for cash when the customer thinks avoiding the card fee would save the business money. 

Ultimately shop around, you arent going to find anyone that will do cash for free but you may be able to reduce the bill with another bank. 

Section62

Nasqueron said:

Zanderman said:

Nasqueron said:

Zanderman said:

Nasqueron said:

Patchaddy57 said:

GeoffTF said:

Do not accept cash payments.

We have a retail business, many of our customers are elderly and don't have access to card payments. 

Or rather, choose not to use cards, mine are late 70s and early 80s, and pay cards fine

Sad that unwillingness to learn costs you more money for the cash use

Using cash doesn't mean you haven't 'learnt' to use cards.  The customers concerned may just prefer to use cash.

The post I quoted literally states:

We have a retail business, many of our customers are elderly and don't have access to card payments. 

It doesn't say they prefer to use cash

It doesn't say they haven't learnt how to do card payments either. 

It's says they don't have access to card payments, but they do, anyone can get a contactless card from their bank to pay by card, they are choosing not to do this. It's not like chip and pin needing a PIN which people forget, just tap and go as so many elderly do fine. 

Have they got rid of the requirement to enter a PIN occasionally rather than allowing endless contactless use?  I wasn't aware of that, or maybe I forgot.

Also, I'm not sure it is true to say "anyone" can get a bank card.

And rather than expecting everyone to conform to a particular way of thinking, it might be worth remembering that for people who find it difficult to budget, transacting with cash is one suggested way of helping them manage their spending within the available budget - and withdrawing that facility would be a retrograde step for many who struggle with money.

GeoffTF

MyRealNameToo said:

Most cards will periodically ask for a pin entry even if it's contactless. 

The old boy in our local in theory remembers his pin but with shakes and poor eyesight he isnt good at entering it but its ok because most the barmaids know his pin anyway as he always asks them to do it for him. Dunno what he's doing but at least once a week when I see him there at least one payment requests chip and pin (since they stopped people having tabs when not eating).

I have a Tesco Clubcard Pay+ account. I never have more than £100 in it. I am almost never asked for a PIN when making small contactless payments. I am in the process of switching over to a Nationwide FlexAccount for small in person payments and as a backup account. I expect that I will be asked for a PIN more frequently with that account.

subjecttocontract

I hate contactless payments because they invariable nearly always come without a paper receipt. I usually have to ask for one and sometimes I forget. Without a receipt I find it difficult to keep track of expenditure. It's not progress as far as I'm concerned, it's a pain in the backside. I have no problem with conventional credit or debit card payments which nearly always come with a paper receipt automatically.

molerat

Two local businesses I know went card only during the plague and haven't looked back, one a one man small shop and the other a largish indy garden centre.  Both say it has saved them a fortune in combined time and money.  Yes they have to pay card charges but the savings from counting and banking cash far outweigh that, the loss of custom has been negligible.  And the garden centre has a cafe that is usually heaving with "old folk" who are obviously happy to pay with card.  Personally, as a septuagenarian, I don't use those old fashioned pieces of plastic, they are so last decade.

GeoffTF

subjecttocontract said:

I hate contactless payments because they invariable nearly always come without a paper receipt. I usually have to ask for one and sometimes I forget. Without a receipt I find it difficult to keep track of expenditure. It's not progress as far as I'm concerned, it's a pain in the backside. I have no problem with conventional credit or debit card payments which nearly always come with a paper receipt automatically.

I cannot remember a time when I was not offered a receipt for a contactless payment. The printer sometimes does not work, but that is another matter. I do not worry about security for my small payments account, so I am happy to have an app for it on my mobile phone. I give the app my fingerprint when I get home and it tells me my balance. When the balance goes below £20, I top it up to £100.

Renfrewman

subjecttocontract said:

I hate contactless payments because they invariable nearly always come without a paper receipt. I usually have to ask for one and sometimes I forget. Without a receipt I find it difficult to keep track of expenditure. It's not progress as far as I'm concerned, it's a pain in the backside. I have no problem with conventional credit or debit card payments which nearly always come with a paper receipt automatically.

I think you'll find contactless is now conventional!

subjecttocontract

Renfrewman said:

subjecttocontract said:

I hate contactless payments because they invariable nearly always come without a paper receipt. I usually have to ask for one and sometimes I forget. Without a receipt I find it difficult to keep track of expenditure. It's not progress as far as I'm concerned, it's a pain in the backside. I have no problem with conventional credit or debit card payments which nearly always come with a paper receipt automatically.

I think you'll find contactless is now conventional!

I think you will find it most definitely isn't.

GeoffTF

subjecttocontract said:

Renfrewman said:

subjecttocontract said:

I hate contactless payments because they invariable nearly always come without a paper receipt. I usually have to ask for one and sometimes I forget. Without a receipt I find it difficult to keep track of expenditure. It's not progress as far as I'm concerned, it's a pain in the backside. I have no problem with conventional credit or debit card payments which nearly always come with a paper receipt automatically.

I think you'll find contactless is now conventional!

I think you will find it most definitely isn't.

Oh yes it is!

This means contactless payments accounted for 76 per cent of all debit card transactions and 63 per cent of all credit card transactions made during March 2024.

https://www.ukfinance.org.uk/news-and-insight/press-release/uk-reaches-150-million-contactless-cards-in-issue