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  • FIRST POST
    • RossHan
    • By RossHan 12th May 18, 2:18 PM
    • 7Posts
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    RossHan
    0 WOW
    Debit card 20 minimum spend, at a pub.
    • #1
    • 12th May 18, 2:18 PM
    0 WOW
    Debit card 20 minimum spend, at a pub. 12th May 18 at 2:18 PM
    Hello, Last week I went for a very long walk in the hot sun to enjoy a nice cold pint of Cider at very nice pub. When I finally got there and ordered my pint, the barman told me that I needed to spend at least 20 to use my debit card. Holding back my disgruntled shock, I said "right, okay...where is the nearest cash point?" the reply was that there isn't any locally, a 20 minute walk away at the Tesco supermarket. Last resort was to get the 20 as cashback, He couldn't do that either. So I had to leave and walk home!. To be fair to the barman, he was cringing a little when explaining about there 20 min spend house rule.

    Now, given that there is no cash point locally withing walking distance, or shop for that matter, I think this is blatant profiteering. Is there a trading body that I can complain too?

    Thanks,

    Ross.
    Last edited by RossHan; 12-05-2018 at 2:24 PM.
Page 1
    • greyteam1959
    • By greyteam1959 12th May 18, 3:48 PM
    • 2,261 Posts
    • 1,022 Thanks
    greyteam1959
    • #2
    • 12th May 18, 3:48 PM
    • #2
    • 12th May 18, 3:48 PM
    The only thing that you can really do is what you did......vote with your feet.
    I would have done the same & I bet loads of other people do the same thing.
    Even though merchant cards fees are much lower now than they were 10 years ago they are still a cost & the profit margin on a pint of cider might hardly cover the card fee.
    The silly thing is that if they had a 5 minimum spend you would probably have had a pint & a pie or something else.......but 20 no way.
    Fools to themselves.
    • z1a
    • By z1a 12th May 18, 6:05 PM
    • 1,261 Posts
    • 1,202 Thanks
    z1a
    • #3
    • 12th May 18, 6:05 PM
    • #3
    • 12th May 18, 6:05 PM
    You say a cashpoint is a 20 minute walk away, then you say there isn't one within walking distance, which is it?
    • Owain Moneysaver
    • By Owain Moneysaver 12th May 18, 8:28 PM
    • 8,060 Posts
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    Owain Moneysaver
    • #4
    • 12th May 18, 8:28 PM
    • #4
    • 12th May 18, 8:28 PM
    After a long walk in the hot sun, a further 20 minute walk may be unwalkable without refreshment.
    A kind word lasts a minute, a skelped erse is sair for a day.
    • greyteam1959
    • By greyteam1959 13th May 18, 8:15 AM
    • 2,261 Posts
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    greyteam1959
    • #5
    • 13th May 18, 8:15 AM
    • #5
    • 13th May 18, 8:15 AM
    Be a bit of a nuisance if the cash point was out of order.
    • Owain Moneysaver
    • By Owain Moneysaver 13th May 18, 1:14 PM
    • 8,060 Posts
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    Owain Moneysaver
    • #6
    • 13th May 18, 1:14 PM
    • #6
    • 13th May 18, 1:14 PM
    It's at a Tesco supermarket. Even if the cashpoint is out of order payment by card is possible at the till, and they sell soft and alcoholic drinks.
    A kind word lasts a minute, a skelped erse is sair for a day.
    • kinger101
    • By kinger101 13th May 18, 4:29 PM
    • 4,199 Posts
    • 5,691 Thanks
    kinger101
    • #7
    • 13th May 18, 4:29 PM
    • #7
    • 13th May 18, 4:29 PM
    It's sensible to carry a small amount of cash on you for this very reason. I feel naked if I don't have at least a tenner in my wallet.
    • gettingtheresometime
    • By gettingtheresometime 13th May 18, 4:55 PM
    • 3,611 Posts
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    gettingtheresometime
    • #8
    • 13th May 18, 4:55 PM
    • #8
    • 13th May 18, 4:55 PM
    Not sure how it is profiteering.

    Surely profiteering is where I sell you goods worth 3 but charge you 10 as an example.
    Lloyds OD / Natwest OD / PO CC / Wescott / Argos Card cleared thanks to the 1 debt v 100 day challenge


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    • DUTR
    • By DUTR 13th May 18, 5:03 PM
    • 11,288 Posts
    • 6,471 Thanks
    DUTR
    • #9
    • 13th May 18, 5:03 PM
    • #9
    • 13th May 18, 5:03 PM
    The only thing that you can really do is what you did......vote with your feet.
    I would have done the same & I bet loads of other people do the same thing.
    Even though merchant cards fees are much lower now than they were 10 years ago they are still a cost & the profit margin on a pint of cider might hardly cover the card fee.
    The silly thing is that if they had a 5 minimum spend you would probably have had a pint & a pie or something else.......but 20 no way.
    Fools to themselves.
    Originally posted by greyteam1959
    Whilst the vendor doesn't make a sale, then there is no profit to be had.
    • peachyprice
    • By peachyprice 13th May 18, 5:35 PM
    • 19,373 Posts
    • 44,917 Thanks
    peachyprice
    You say a cashpoint is a 20 minute walk away, then you say there isn't one within walking distance, which is it?
    Originally posted by z1a
    Would you walk a 40 min journey just for a pint of cider?
    Accept your past without regret, handle your present with confidence and face your future without fear
    • RossHan
    • By RossHan 13th May 18, 8:02 PM
    • 7 Posts
    • 2 Thanks
    RossHan
    Thanks for the replies. I forgot how pedantic some people are on forums I gave them a 1 star TripAdvisor along with loads of others for the same reason. A third of their reviews are terrible, probably the only thing to do.
    • zagfles
    • By zagfles 13th May 18, 8:12 PM
    • 13,029 Posts
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    zagfles
    Lots of pubs don't take cards, and some take them only if you order food. I don't think I've ever used a debit card to buy just a drink, or even a round, in a pub. Would never assume they'd take a card for a single drink!
    • peachyprice
    • By peachyprice 14th May 18, 9:11 AM
    • 19,373 Posts
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    peachyprice
    Lots of pubs don't take cards, and some take them only if you order food. I don't think I've ever used a debit card to buy just a drink, or even a round, in a pub. Would never assume they'd take a card for a single drink!
    Originally posted by zagfles
    I disagree, nowadays most pubs take cards.

    And while they may not take them for a single drink most will have a limit of 5, which means people are more likely to by a drink and some food or two drinks to go over the 5.

    By putting a 20 limit on transaction this pub is just cutting off it's nose to spite it's face. They must be turning away an awful lot of business from people who are not in groups of 3-4.
    Accept your past without regret, handle your present with confidence and face your future without fear
    • RossHan
    • By RossHan 14th May 18, 10:05 AM
    • 7 Posts
    • 2 Thanks
    RossHan
    I often use debit card to buy a coffee at around 2.20. Maybe its more common where I live.
    • prowla
    • By prowla 14th May 18, 10:35 AM
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    prowla
    I guess they didn't want your business.

    But then the pub will probably be blaming the internet, brexit, price of petrol, inclement weather, or whatever for their loss of trade.
    • zaax
    • By zaax 14th May 18, 10:45 AM
    • 1,823 Posts
    • 719 Thanks
    zaax
    Well done for what you did. In my local a debit card transation costs the club 50p which, like other building charges (water etc), is spread over all the sales.
    Do you want your money back, and a bit more, search for 'money claim online' - They don't like it up 'em Captain Mainwaring
    • silverwhistle
    • By silverwhistle 14th May 18, 8:38 PM
    • 1,825 Posts
    • 2,395 Thanks
    silverwhistle
    Would you walk a 40 min journey just for a pint of cider?
    Originally posted by peachyprice

    Well, it would have to be beer and then I have three pints. I actually do walk 40 minutes to town to meet friends. It's perhaps 45 minutes on the way back!



    I've used a card once, in a 'spoons, but felt really guilty about it. I imagine your pub's transaction costs will be higher than the ones a big chain can negotiate. The barman can tell his bosses how many people he's turned away, and then they can re-evaluate their policy, but it's not something that would upset me.
    • vikingaero
    • By vikingaero 14th May 18, 9:14 PM
    • 10,390 Posts
    • 13,085 Thanks
    vikingaero
    We're so used to the no minimum spend/free delivery culture that no-one looks at the true cost of card transactions to a small business. It's not 50p per transaction. It's far more than that. Some PDQ machines cost 20-30 to rent per month, then there are the transaction fees which will be higher than 50p or x% because the business doesn't have the footfall and spend to benefit from a greater discount. A small amount of electricity is used. A dozen pack of small thermal rolls is 8 maybe from Booker. And there is the monthly cost of a broadband line. When the merchant gets paid there will normally be a charge for the acquirer to deposit money into the merchants bank account. And that excludes the chance/cost of fraudulent transactions. Despite what many people think, the banks don't take it on the chin, they will force merchants to pay back money. If you're a bank that is holding 500 of debits for a merchant, you simply deduct the cost of fraud from the 500 that you owe them. They can complain...


    On the cash side, people harp on about tax/VAT evasion, but don't realise that that money is instant with no deductions (risk of theft and forgeries) and that many food delivery businesses offer terms such as full trade price if credit is required, or 5% discount for COD. To a lot of small businesses that 5% is the difference between profit and loss.
    The man without a signature.
    • boliston
    • By boliston 14th May 18, 9:54 PM
    • 2,615 Posts
    • 2,161 Thanks
    boliston
    I seem to remember ordering a couple of pints and assumed card was fine as I could see a card machine - when it came to pay they said 10 min card transaction and the drinks were about 7.50 but they said they could do it as 10 cashback - I think they agreed to this only as they had already poured the pints and would not have been able to easily re-sell them once poured, as they said they are not really supposed to do cashback.
    • zagfles
    • By zagfles 15th May 18, 5:48 PM
    • 13,029 Posts
    • 11,058 Thanks
    zagfles
    I often use debit card to buy a coffee at around 2.20. Maybe its more common where I live.
    Originally posted by RossHan
    Coffee is different - far larger profit margin (no excise duty, less transportation costs etc) so they can afford to pay 50p on a 2.20 transaction.
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