debit card minimums

On November 29 2012 12:44 endy wrote:
Yeah, actually if they page a percentage fee on card payments, it's better for them that you pay 4.50 by card and 5 in cash than 9.50 by card. I expect to see more and more cases like this one, I found the movie Idiocracy quite scary.

On November 29 2012 12:48 tec27 wrote:
Instead of assuming that everyone you do business with throughout your daily life is a retard, you might like to consider that the payment networks these people deal with often have very weird structures. Therefore, its entirely likely that they incur extra fees for charges less than $5, or that they simply have a contract that they won't make charges that low. Next time, you can solve this problem by paying all of it on your debit card and depositing your cash at a nearby ATM. Then you won't have to get in time-consuming arguments in a store and spend all this time writing up awful blogs.

On November 29 2012 13:02 Dukeinator wrote:
Grow up man. Five dollar minimums are a standard. If fifty cents is going to make that much of an impact on next weeks bills maybe you should get less stuff from the gas station.

Also if they want to promote Romney that is their choice. You do believe in freedom, right?

On November 29 2012 12:45 Franthier wrote:
Why don't you just put everything on debit or cash, end of discussion. It is really you who made a big deal out of 50 cents for fuck sakes...

On November 29 2012 13:17 Takkara wrote:
Slightly off-topic, but the comment about Romney was also off-topic in the OP. Check out this example of someone using anti-Obama rhetoric and then seeing their business surge. Depending on your typical clients or location in the country, it could be good business to support Romney or reject Obama (even more than just a freedom issue).

http://www.huffingtonpost.com/2012/11/27/cope-reynolds-arizona-gun-store-owner_n_2198131.html

On November 29 2012 13:00 heliusx wrote:


Instead of assuming things you could do 30 seconds of research and realize visa disallows any minimums on debit cards. You would also realize debit cards incur a flat fee to the merchant. Therefore there was literally zero reason to not let me make my purchase. My girlfriend and I spend hundreds a month there on gas and miscellaneous items because of the convenience of the store being across the street. If that doesn't make her a retard I don't know what does.

On November 29 2012 12:17 heliusx wrote:
She promptly tells me "sorry, that's the rule". So basically the owners failure to understand logic that most toddlers can follow has lost her a customer that stops in all the time to pick up beer and gas. What a retard, then again what do you expect from someone who thinks it's a good idea to decorate their business with romney signs during the election.

On November 29 2012 13:22 heliusx wrote:


Take is somewhere else I knew I should have just said "political signs" because a lot of republicans are still raw about the election. I thought tl was more mature than that but I guess not. I'm assuming more than one post in here was hostile only because the romney comment.

On November 29 2012 13:28 wongfeihung wrote:

She was doing her job by following the rules that have been set for her. It is you who fail to "understand logic that most toddlers can follow." You can't honestly expect everyone in the world to bend the rules to your will by means of poor reasoning and crappy persuasion skills. Rules are rules. They're set so they can be followed.

On November 29 2012 13:28 Takkara wrote:


Who said anything about being raw. You made a dumb comment implying that the shop owner is dumb for hanging up political signs, and it's demonstrably a false statement. The fact that the poster was up (pro-Obama or pro-Romney) could easily be a good business move depending on location in the country and the average client. You're simply wrong. That part of your rant was just wrong.

On November 29 2012 13:27 tec27 wrote:

Businesses don't deal directly with Visa, they deal with payment networks who deal with Visa. You weren't arguing that it was against Visa guidelines for them to do this, you were arguing that they can't do basic math. I work on a product that interfaces between payment networks and merchants, so I'm quite well informed on the subject, whereas you you spend hundreds of dollars at a convenience store a month and can't seem to budget your money such that $5 in your bank account isn't the difference between paying your bills and not. Who do you think knows more about how credit/debit cards work?

On November 29 2012 13:35 micronesia wrote:
Most likely whoever the shop owner deals with electronically for debit card purchases has their own contract such that small purchases are disallowed. In order for the shop owner to compensate for that, they would need send a cut of what they saved with the cash you gave them, and forward it to the third party. Of course, this is horribly inefficient so this third party just wouldn't allow it, regardless of the sub-toddleresque logic of the cashier, as you put it.

On November 29 2012 13:43 heliusx wrote:


I sincerely doubt that is the case since practically every card issuer has clauses in the contracts for merchants that the merchant cannot have a minimum on any debit card purchases.