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Old 11-03-2010, 09:36 PM   #21
steinsato
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My LHBS actually gives discounts to customers who pay in cash because it saves them the hastle of credit card fees. As far as I know, they do not have a "minimum charge" to use your credit card.
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Old 11-03-2010, 09:48 PM   #22
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Quote:
Originally Posted by Revvy View Post
No he didn't the OP said this...



That's really NOT the same imho, as finding out the credit minimum and paying it. That sounds more like, "fix it for me and here's a tip for you." And that sounds a little insulting to me.
No, he said charge me the 40 cents the cc company is charging you, I don't mind paying the fee. Not a "tip" and not insulting.

Maybe his credit card privileges with his bank were revoked or suspended or something and he couldn't take it and didn't want to say??

Or...maybe he just sucks at dealing with the public.

 
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Old 11-03-2010, 09:52 PM   #23
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Maybe he was having a bad day. Is he typically a pissy fellow?

 
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Old 11-03-2010, 09:55 PM   #24
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Maybe he was having a bad day. Is he typically a pissy fellow?
Nah he has not been pissy. But he has screwed up before, shipping me someone else's order and then not remembering it when I came in a few days later looking for my stuff.

 
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Old 11-03-2010, 10:01 PM   #25
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That's not good... Maybe he's been screwing up enough that now his balance sheet aint looking so good, and he's on the fringe of losing the business. That might explain the worry about $0.40 when you've spent a fair amount of money there already. OR maybe he just hasn't had enough sex lately...?

 
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Old 11-03-2010, 10:17 PM   #26
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SWMBO cut him off??
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Old 11-03-2010, 10:25 PM   #27
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Quote:
Originally Posted by nostalgia View Post
It looks like he tried:



What I don't understand is why it makes a difference to the vendor if he's being charged a percentage of sales.

I mean let's say a vendor pays 3% per transaction. He sets a $10 minimum to "make a profit here". A person charges $10, the vendor pays $0.30.

What if he hadn't set the minimum and had 10, $1 sales? He'd pay $0.03 per sale.

Quick math? That's the same $0.30. And he'd probably get more sales overall by allowing the charges in the first place. And not anger his customers.

Now if it's a flat per-transaction fee PLUS a percentage (like Paypal) that's something different. But I don't think CC companies do that.

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Yes, they do. It depends on your merchant account. Some are flat rate, some are percentage, some are a blend, it's actually pretty complicated.

 
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Old 11-03-2010, 10:30 PM   #28
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If he is only paying 40 cents for a transaction, he's doing well. I was paying $1.05 plus 2.9% before I closed my merchant account. I never use a credit or debit card for less than $10.

 
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Old 11-03-2010, 10:33 PM   #29
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Quote:
Originally Posted by david_42 View Post
If he is only paying 40 cents for a transaction, he's doing well. I was paying $1.05 plus 2.9% before I closed my merchant account. I never use a credit or debit card for less than $10.
I don't mind using debit for low amounts, my understanding is that the fee is considerably lower since the potential liability of fraud is lower.

 
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Old 11-03-2010, 10:39 PM   #30
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Maybe he was just leary of taking a card over the phone. There is a lot of fraud out there, so someone calling saying "I'll pay with a card and someone else will pick it up" may have just seemed fishy to him. Even if it was just a $4 bag of dme, he would have to eat it if it was fraud.

I have a small online side business and have had plenty of fraud attempts like this. People will sometimes email me not wanting to pay with paypal, or just wanting to pay directly to me over the phone. I've declined sales like this at times because it just seemed fishy.

I've also had items purchased and paid for with paypal, then a short time later had the funds held by paypal if fraud is suspected. Nearly every time paypal did this, it did in fact end up being fraud, and saved me a major headache.

Just a guess at what may have been going on with him.

Or he's just a dick.
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