Credit card fee

[Ral51Bjl]

My golf ladies went to Arnold Parker’s yesterday for lunch. We knew it was pricey but the food and service are usually good. When given our checks we put our credit cards to pay the bill. When the server returned with the copy to sign, we noticed the bill was higher. I called the server over and she stated that it was a 3.75% service charge for using a credit card and this was on the bottom of checks. We don’t usually look at the bottom of the check unless it has the gratuity suggestions on it. Beware of this on your checks.

[retiredguy123]

My golf ladies went to Arnold Parker’s yesterday for lunch. We knew it was pricey but the food and service are usually good. When given our checks we put our credit cards to pay the bill. When the server returned with the copy to sign, we noticed the bill was higher. I called the server over and she stated that it was a 3.75% service charge for using a credit card and this was on the bottom of checks. We don’t usually look at the bottom of the check unless it has the gratuity suggestions on it. Beware of this on your checks.
I always pay cash in a restaurant. I won't allow my credit card to be taken into the back room where it can easily be photographed.

If restaurants start charging a fee to use a credit card, I think they will lose money because customers who pay with a credit card typically spend more money. 3.75 percent is too high. The average fee that businesses pay is about 2 percent, depending on their average transaction amount and the type of card used.

[tophcfa]

Takes away the advantage of the cash back rewards feature of our credit cards, and some. I got no problem with the charge as long as it is obviously disclosed, I’ll just pay cash since it would be cheaper after the charge. If places charge this fee AND won’t accept cash as a payment, that’s a different story, they would loose our business.

[retiredguy123]

My golf ladies went to Arnold Parker’s yesterday for lunch. We knew it was pricey but the food and service are usually good. When given our checks we put our credit cards to pay the bill. When the server returned with the copy to sign, we noticed the bill was higher. I called the server over and she stated that it was a 3.75% service charge for using a credit card and this was on the bottom of checks. We don’t usually look at the bottom of the check unless it has the gratuity suggestions on it. Beware of this on your checks.
Interesting. The credit card fee seems to violate this Florida law.

Update: Although this Florida law is still current, a Federal court ruled that it is unconstitutional. So, it may be legal to charge the fee. Go figure.

Fla. Stat. §501.0117

(1) A seller or lessor in a sales or lease transaction may not impose a surcharge on the buyer or lessee for electing to use a credit card in lieu of payment by cash, check, or similar means, if the seller or lessor accepts payment by credit card. A surcharge is any additional amount imposed at the time of a sale or lease transaction by the seller or lessor that increases the charge to the buyer or lessee for the privilege of using a credit card to make payment. Charges imposed pursuant to approved state or federal tariffs are not considered to be a surcharge, and charges made under such tariffs are exempt from this section. A convenience fee imposed upon a student or family paying tuition, fees, or other student account charges by credit card to a William L. Boyd, IV, Florida resident access grant eligible institution, as defined in §1009.89, or to a private school, as defined in §1002.01, is not considered to be a surcharge and is exempt from this section if the amount of the convenience fee does not exceed the total cost charged by the credit card company to the institution. The term “credit card” includes those cards for which unpaid balances are payable on demand. This section does not apply to the offering of a discount for the purpose of inducing payment by cash, check, or other means not involving the use of a credit card, if the discount is offered to all prospective customers.

(2) A person who violates the provisions of subsection (1) is guilty of a misdemeanor of the second degree, punishable as provided in §775.082 or §775.083.

[blueash]

Interesting, so I looked it up. The best discussion of the issue is HERE (https://www.merchantmaverick.com/credit-card-surcharges/) which is updated to Aug 2021, so a year old.

It says that Florida is not enforcing the law against this practice, as above. It also gives the rules which define how a merchant must notify the customer. These rules come from the card issuer, eg VISA and M/C.

Importantly the store may NOT charge a fee if you use a debit card, only a credit card. They may not profit from this fee, they may only recover up to the amount they pay the bank. The consumer must be notified in advance of purchase that such a fee will be imposed. This may be a sign at the entrance or a notice on the menu. The first notification cannot be on the bill you received after the meal.

The merchant must notify in writing the credit card company of their intention to impose the fee.

It is an interesting article, I don't know how accurate the representation of the rules are in the story. I don't think as a customer we have any way of knowing what the actual fees the bank has charged the restaurant may be, although 3.5% is at the very high end of what a restaurant might be paying. I have no idea how one would know if the bank received the required prior notification. As a customer you should be able to know if you saw a posted notice of this fee. And if you have a debit card and want to use it in this situation you will save a few dollars.

[retiredguy123]

Interesting, so I looked it up. The best discussion of the issue is HERE (https://www.merchantmaverick.com/credit-card-surcharges/) which is updated to Aug 2021, so a year old.

It says that Florida is not enforcing the law against this practice, as above. It also gives the rules which define how a merchant must notify the customer. These rules come from the card issuer, eg VISA and M/C.

Importantly the store may NOT charge a fee if you use a debit card, only a credit card. They may not profit from this fee, they may only recover up to the amount they pay the bank. The consumer must be notified in advance of purchase that such a fee will be imposed. This may be a sign at the entrance or a notice on the menu. The first notification cannot be on the bill you received after the meal.

The merchant must notify in writing the credit card company of their intention to impose the fee.

It is an interesting article, I don't know how accurate the representation of the rules are in the story. I don't think as a customer we have any way of knowing what the actual fees the bank has charged the restaurant may be, although 3.5% is at the very high end of what a restaurant might be paying. I have no idea how one would know if the bank received the required prior notification. As a customer you should be able to know if you saw a posted notice of this fee. And if you have a debit card and want to use it in this situation you will save a few dollars.
The 3.75 percent fee would be about double what I paid when I owned a retail business. But, I don't know what the current bank fees are. It seems too high though. Their online menu doesn't seem to say anything about the fee. Also, I wonder if they are able to distinguish between a credit card and a debit card in all cases.

[Bill14564]

The surcharges seem to be popping up more and more these days. I don't like the practice at all though I'm also not going to start carrying cash. It seems like a convenient way for a business to increase their prices without taking responsibility for it - "we can't help it, accepting credit cards is just too expensive."

Back in 2015 the fees for our total monthly bill were 2.5% of the total. I have no idea what the fees are today though I'm skeptical that they have increased 50%.

[Stu from NYC]

And than when they calculate a suggested tip for us will include that percentage.

[coralway]

AMEX charges them a fee, don't know about Visa or MC.

[Babubhat]

Needs to be properly disclosed on the menu or upon arrival. Just adding it without notice will invite legal action

[blueash]

Needs to be properly disclosed on the menu or upon arrival. Just adding it without notice will invite legal action

No, it does not violate the law. It violates the agreement between the merchant and the credit card company as far as I can tell.

[dewilson58]

Same fee for debit cards???

[Michael G.]

Also I don't care when gas stations charge a different fee for cash over CC.
I sure it's posted some were, but if you miss it your SOL.

[jedalton]

I'm calling Dan Newlin

[banjobob]

All credit card companies charge the merchant fees for using their card, if the merchan.t passes these charges on it should be noted on your bill . The fee is based on the merchants volume of sales , higher sales lower fee .

[bowlingal]

AMEX charges them a fee, don't know about Visa or MC.

They ALL charge a fee including diners club. I worked in retail and the percentage rate the card companies charge depends on how much business the retail store does....the higher the sales, the less they are charged. American Express charged the most. MC and Visa were the least 1-2%. Sounds like these businesses are trying to re-coup extra income.

[joelfmi]

My golf ladies went to Arnold Parker’s yesterday for lunch. We knew it was pricey but the food and service are usually good. When given our checks we put our credit cards to pay the bill. When the server returned with the copy to sign, we noticed the bill was higher. I called the server over and she stated that it was a 3.75% service charge for using a credit card and this was on the bottom of checks. We don’t usually look at the bottom of the check unless it has the gratuity suggestions on it. Beware of this on your checks.
Don't eat their or pay by cash which a lot of customer do.

[Eg_cruz]

My golf ladies went to Arnold Parker’s yesterday for lunch. We knew it was pricey but the food and service are usually good. When given our checks we put our credit cards to pay the bill. When the server returned with the copy to sign, we noticed the bill was higher. I called the server over and she stated that it was a 3.75% service charge for using a credit card and this was on the bottom of checks. We don’t usually look at the bottom of the check unless it has the gratuity suggestions on it. Beware of this on your checks.
We went to the Mexican restaurant on 441 and they did the same thing. Yet an other reason to carry cash

[PJackpot]

My golf ladies went to Arnold Parker’s yesterday for lunch. We knew it was pricey but the food and service are usually good. When given our checks we put our credit cards to pay the bill. When the server returned with the copy to sign, we noticed the bill was higher. I called the server over and she stated that it was a 3.75% service charge for using a credit card and this was on the bottom of checks. We don’t usually look at the bottom of the check unless it has the gratuity suggestions on it. Beware of this on your checks.

I've never seen a credit card fee on any check from a restaurant I've eaten at, just the meal tax, and we go out quite a bit. As far as Palmer goes, we haven't eaten at that particular restaurant in quite a while.

[birdawg]

Cash helps the restaurant hide paying taxes.

[Sandy and Ed]

And than when they calculate a suggested tip for us will include that percentage.
Considering they now “for our convenience” suggest a minimum tip of 18%, have increased the meal cost and in some cases reduced the meal quality and selection, might as well do more cooking at home.

[TomPerry]

I went to a restaurant in Massachusetts that gave a 4% discount for paying with cash. Prices were the same as before they started offering the discount.

[retiredguy123]

All credit card companies charge the merchant fees for using their card, if the merchan.t passes these charges on it should be noted on your bill . The fee is based on the merchants volume of sales , higher sales lower fee .
Actually, the amount the merchant pays is based on a complicated formula that includes the type of business, the sales volume, the average transaction amount, and the type of credit card used for each transaction. If a high percentage of customers use a rewards card, then the merchant's fee will increase. Low transaction amounts can also increase the fee.

[Stu from NYC]

The times are sure interesting.

[retiredguy123]

Cash helps the restaurant hide paying taxes.
Yes, and since 2008, banks are required to report the credit card activity of businesses to the IRS.

Even the IRS has said that many restaurants significantly underreport their income, especially independent restaurants who don't need to report income to a franchiser.

[VickiF]

😂 😂 😂

[Robsillup]

Doesn’t it make more sense for a restaurant to up their prices for a credit card on the menu then off a “discount” to cash customers. That makes them look “better”!

[Sandy and Ed]

Well Darrell’s Diner also has a “non cash” fee. We had a $22 breakfast bill with a $1.54 (7%) tax and then a $0.94 “fee”. Not a big thing. Dropped a $3.50 tip and walked out for under $30. Problem for me is that our “cashless society” gonna start costing us real soon.

[Sandy and Ed]

Doesn’t it make more sense for a restaurant to up their prices for a credit card on the menu then off a “discount” to cash customers. That makes them look “better”!
I like it!! Discount sounds and feels a lot better than Surcharge!!

[Stu from NYC]

Well Darrell’s Diner also has a “non cash” fee. We had a $22 breakfast bill with a $1.54 (7%) tax and then a $0.94 “fee”. Not a big thing. Dropped a $3.50 tip and walked out for under $30. Problem for me is that our “cashless society” gonna start costing us real soon.

If they put it on the menu or post it prominently in restaurant guess it is ok but if the first time we see it is on the bill would bother me.

[themailman22]

Perhaps dispute the additional charge with the credit card company and see where that gets you. If it's legal, at least they will be able to tell you how/why given the Florida statute that is 'not being enforced'.

[retiredguy123]

I like it!! Discount sounds and feels a lot better than Surcharge!!
Like telling a fat person that they are not fat. Their clothes are just too small.

[billethkid]

The other related issue is the third party tip processors.

For example if you want to tip your hair dresser by credit card, the establishment runs your card through "tippy".....a third party processor. Tippy then charges 45 cents per transaction plus 2.5% of the total amount, against your card.

Hence the hair dresser does not pay the usual credit card transaction.....you do!!

Check the amount before you sign.

[MSGirl]

I don’t remember ever getting up charged there for using a cc

[vinnytalk]

I always pay cash in a restaurant. I won't allow my credit card to be taken into the back room where it can easily be photographed.

If restaurants start charging a fee to use a credit card, I think they will lose money because customers who pay with a credit card typically spend more money. 3.75 percent is too high. The average fee that businesses pay is about 2 percent, depending on their average transaction amount and the type of card used.

Another thing most places has Raised there food prices, and now pay for credit card fee,
Tips will go back to 15% ,

These tactics by any businessis poor business

[Lea N]

My golf ladies went to Arnold Parker’s yesterday for lunch. We knew it was pricey but the food and service are usually good. When given our checks we put our credit cards to pay the bill. When the server returned with the copy to sign, we noticed the bill was higher. I called the server over and she stated that it was a 3.75% service charge for using a credit card and this was on the bottom of checks. We don’t usually look at the bottom of the check unless it has the gratuity suggestions on it. Beware of this on your checks.

Since credit cards are encouraging everyone to use their card and get cash back this must be the way businesses are trying to fight this? Banks are now even giving points or cash back on purchases using a debit card.

[LG999]

I have to pay my hair dresser an extra $5 if I use a credit or debit card. She owns the business. Another way of saying “I prefer cash” ?

[billethkid]

I don’t remember ever getting up charged there for using a cc

Not for using a credit card.
Using a credit card to specifically pay the tip.

[Rich42]

I’m willing to bet most businesses, especially restaurants, have these credit card fees already built into their prices so now they are just charging us double.

[mad329]

We went to Mom & Dads restaurant several months back. I went to pay the bill after the meal with a CC to find out after they rang it up that they added a surcharge…wasn’t aware of that. I did pay the bill but it should’ve been noted before they ran the CC.

[OhioBuckeye]

Nothing surprises me!

[Stu from NYC]

The other related issue is the third party tip processors.

For example if you want to tip your hair dresser by credit card, the establishment runs your card through "tippy".....a third party processor. Tippy then charges 45 cents per transaction plus 2.5% of the total amount, against your card.

Hence the hair dresser does not pay the usual credit card transaction.....you do!!

Check the amount before you sign.

That would really get me annoyed and looking for new shop

[oneclickplus]

Also, most credit card companies contractually demand that merchants are not permitted to add an charge extra fee when accepting their card. This is largely ignored and difficult or impossible for a bank to enforce.

And, even if it is/was illegal to charge extra for accepting a credit card, all the merchant has to do is raise prices 3.75% and offer a "cash discount". Businesses have been doing that for many years to get around merchant contract restrictions. You've all seen cash / credit prices at gas stations, right?

I agree with those that only pay cash at restaurants. No restaurant has ever seen my credit card. Ditto at any business where the card leaves my possession.

Interesting. The credit card fee seems to violate this Florida law.

Update: Although this Florida law is still current, a Federal court ruled that it is unconstitutional. So, it may be legal to charge the fee. Go figure.

Fla. Stat. §501.0117

(1) A seller or lessor in a sales or lease transaction may not impose a surcharge on the buyer or lessee for electing to use a credit card in lieu of payment by cash, check, or similar means, if the seller or lessor accepts payment by credit card. A surcharge is any additional amount imposed at the time of a sale or lease transaction by the seller or lessor that increases the charge to the buyer or lessee for the privilege of using a credit card to make payment. Charges imposed pursuant to approved state or federal tariffs are not considered to be a surcharge, and charges made under such tariffs are exempt from this section. A convenience fee imposed upon a student or family paying tuition, fees, or other student account charges by credit card to a William L. Boyd, IV, Florida resident access grant eligible institution, as defined in §1009.89, or to a private school, as defined in §1002.01, is not considered to be a surcharge and is exempt from this section if the amount of the convenience fee does not exceed the total cost charged by the credit card company to the institution. The term “credit card” includes those cards for which unpaid balances are payable on demand. This section does not apply to the offering of a discount for the purpose of inducing payment by cash, check, or other means not involving the use of a credit card, if the discount is offered to all prospective customers.

(2) A person who violates the provisions of subsection (1) is guilty of a misdemeanor of the second degree, punishable as provided in §775.082 or §775.083.

[Bill14564]

The other related issue is the third party tip processors.

For example if you want to tip your hair dresser by credit card, the establishment runs your card through "tippy".....a third party processor. Tippy then charges 45 cents per transaction plus 2.5% of the total amount, against your card.

Hence the hair dresser does not pay the usual credit card transaction.....you do!!

Check the amount before you sign.

I haven't seen this on any of my charges yet and I know it didn't happen with the CC processor we used back in Md. Could be a new thing.

[davefin]

Where is Arnold Parker's anyway? LOL

[Michael G.]

I’m willing to bet most businesses, especially restaurants, have these credit card fees already built into their prices so now they are just charging us double.

Or reminding your divorced waitress with 4 kids that there will be no tip because your boss included her tip in credit card fees.

[tophcfa]

I’m willing to bet most businesses, especially restaurants, have these credit card fees already built into their prices so now they are just charging us double.

That would effectively penalize people for paying cash.

[Sandy and Ed]

I’m willing to bet most businesses, especially restaurants, have these credit card fees already built into their prices so now they are just charging us double.
I agree. It’s got to be recorded somewhere within the cost of goods sold which is a driver of the sale price to the consumer

[Bill14564]

That would effectively penalize people for paying cash.

Not really, you and I would walk out of there paying the same amount for the same meal. The restaurant would make more profit from your meal than from mine but you and I would have been treated the same.

[Sandy and Ed]

Another thing most places has Raised there food prices, and now pay for credit card fee,
Tips will go back to 15% ,

These tactics by any businessis poor business
To a degree, I agree. I wouldn’t want to tip based on a fee I am paying for using a credit card any more than I would want to tip based on the tax on my meal. I tip based on level of service.

[Haggar]

The 3.75 percent fee would be about double what I paid when I owned a retail business. But, I don't know what the current bank fees are. It seems too high though. Their online menu doesn't seem to say anything about the fee. Also, I wonder if they are able to distinguish between a credit card and a debit card in all cases.

One of my clients is a 7 store vitamin & minerals retailer - part of a national franchise.

His fees are about 1.44% for the total of visa, mastercard, discover and debits and about 2.75% for Amex.

The smaller the transaction the larger the fee. National franchises have tremendous negotiating power.

Arnold Palmer is making money on these service fees!

[fdpaq0580]

I tip based on level of service.

Sounds good, but:
Customer 1 orders spaghetti marinara at $10.
Customer 2 orders spaghetti/lobster sauce at $35.
In both cases server takes order, delivers 1plate to each customer. Same level of service, yet customer 1 tip (@ 20%) $2 while customer 2 tip (@ 20%) is $7. Customer 2's tip for same service is 350% more.

[greenrzilla]

My golf ladies went to Arnold Parker’s yesterday for lunch. We knew it was pricey but the food and service are usually good. When given our checks we put our credit cards to pay the bill. When the server returned with the copy to sign, we noticed the bill was higher. I called the server over and she stated that it was a 3.75% service charge for using a credit card and this was on the bottom of checks. We don’t usually look at the bottom of the check unless it has the gratuity suggestions on it. Beware of this on your checks.

This is all over. I was in Ocala and the same thing happened to us, I'm paying by cash now when ever I go out.

[tophcfa]

Not really, you and I would walk out of there paying the same amount for the same meal. The restaurant would make more profit from your meal than from mine but you and I would have been treated the same.

Not true, if the price is the same for cash or credit card, it’s cheaper using our rewards credit card that gives us 2% cash back. If the establishment adds a fee of over 2% for paying with a credit card, it’s cheaper for us to pay with cash. It’s not that paying a percent or two more would make any difference to us, I just like getting the best value for our hard earned money.

[Stu from NYC]

Not true, if the price is the same for cash or credit card, it’s cheaper using our rewards credit card that gives us 2% cash back. If the establishment adds a fee of over 2% for paying with a credit card, it’s cheaper for us to pay with cash. It’s not that paying a percent or two more would make any difference to us, I just like getting the best value for our hard earned money.

Our Sams card pays us 3% back for using the card but do agree like to get the best value for our money.

[fdpaq0580]

Not true, if the price is the same for cash or credit card, it’s cheaper using our rewards credit card that gives us 2% cash back. If the establishment adds a fee of over 2% for paying with a credit card, it’s cheaper for us to pay with cash. It’s not that paying a percent or two more would make any difference to us, I just like getting the best value for our hard earned money.

It isn't necessarily the 2 or 3%, it is the principle.

[Skip]

We've been watching this for over a year now. First it was 2.4% added to the net total in a few restaurants. It appeared at the bottom of the bill, no signs and no notices on the menu. A complete surprise! I complained to the manager and got: "Everyone is doing this now!" My reply was: "OK, I won't come back then."

Then I noticed the fee was 3%. In a few months it was 3.5%. One place added it for "any plastic payment" (CC or DC). Then suddenly it was 4% added for CC surcharge last month. We just went to a restaurant for the first time last night and the charge was 4.3% of the net. This is getting out of hand. No prior notice either.

So I now write on the merchant's copy of the charge slip: "Owner: This 4% CC surprise fee is an underhanded tactic and not customer friendly. You just lost my frequent business!"

If everyone did this, the practice would soon stop. Even the servers that we talk to, hate the practice, it eventually affects their tips.

If we have a "law" in Florida, it should be enforced.

Suggest we all let the merchants know that their low 1-2% fee to the CC companies should not be passed on as a 4.3% rip off to the unsuspecting consumer.

Skip

[Stu from NYC]

We've been watching this for over a year now. First it was 2.4% added to the net total in a few restaurants. It appeared at the bottom of the bill, no signs and no notices on the menu. A complete surprise! I complained to the manager and got: "Everyone is doing this now!" My reply was: "OK, I won't come back then."

Then I noticed the fee was 3%. In a few months it was 3.5%. One place added it for "any plastic payment" (CC or DC). Then suddenly it was 4% added for CC surcharge last month. We just went to a restaurant for the first time last night and the charge was 4.3% of the net. This is getting out of hand. No prior notice either.

So I now write on the merchant's copy of the charge slip: "Owner: This 4% CC surprise fee is an underhanded tactic and not customer friendly. You just lost my frequent business!"

If everyone did this, the practice would soon stop. Even the servers that we talk to, hate the practice, it eventually affects their tips.

If we have a "law" in Florida, it should be enforced.

Suggest we all let the merchants know that their low 1-2% fee to the CC companies should not be passed on as a 4.3% rip off to the unsuspecting consumer.

Skip

So now this is a way to increase profits at our expense. Great idea to pass the comment onto the owner

[amassary]

Just FYI, I own a retail store and the fees vary based on the card. All those rewards, the retailer pays them. So a bank card with no rewards may be 1% but a cash back rewards card may be as much as 3.5%. Even debit cards have a fee for the retailer.

[jparsoneau@aol.com]

I always try to pick cash. Never give anybody my credit card especially when they take it away from me. But 3.75% convenience fee or not seems awfully expensive used to be one and a half to 1.75% I believe although AMEX Is usually more expensive with their fees to the merchant and passed on to customers

[JoMar]

Just FYI, I own a retail store and the fees vary based on the card. All those rewards, the retailer pays them. So a bank card with no rewards may be 1% but a cash back rewards card may be as much as 3.5%. Even debit cards have a fee for the retailer.

Why complicate this thread with facts.......as you can tell by the posts those that know nothing believe their "opinion" is correct and the servers and owners should pay, or the guy down the street should pay, just not them :)

[Luggage]

It also goes against most credit card company policies by the Banks

[Ginnybugs]

AMEX charges them a fee, don't know about Visa or MC.When I had a merchant account, I accepted Visa and MasterCard, and both charged a fee. I did not accept Discover because their merchant fee was much, much higher than Visa and MasterCard.

[The Mountaineer]

My golf ladies went to Arnold Parker’s yesterday for lunch. We knew it was pricey but the food and service are usually good. When given our checks we put our credit cards to pay the bill. When the server returned with the copy to sign, we noticed the bill was higher. I called the server over and she stated that it was a 3.75% service charge for using a credit card and this was on the bottom of checks. We don’t usually look at the bottom of the check unless it has the gratuity suggestions on it. Beware of this on your checks.

Common practice for businesses all over America. Credit card company tacks on the 3.+% fee to transactions. Rather than absorb it, businesses tack on the transaction fee. Other businesses don't but simply charge you that much more for your food so that YOU and not them pay for YOUR credit card fee!

[retiredguy123]

Why complicate this thread with facts.......as you can tell by the posts those that know nothing believe their "opinion" is correct and the servers and owners should pay, or the guy down the street should pay, just not them :)
Should they also add a surcharge for the rent, the electric bill, washing the dishes, etc.?

I think it is good policy to not charge a credit card fee because it reduces crime by not requiring people to carry cash with them, and not requiring the employees to handle a lot of cash.

[retiredguy123]

Common practice for businesses all over America. Credit card company tacks on the 3.+% fee to transactions. Rather than absorb it, businesses tack on the transaction fee. Other businesses don't but simply charge you that much more for your food so that YOU and not them pay for YOUR credit card fee!
Common practice? I use a credit card for almost everything I buy, and I can't remember ever paying an extra fee.

[golfing eagles]

Common practice for businesses all over America. Credit card company tacks on the 3.+% fee to transactions. Rather than absorb it, businesses tack on the transaction fee. Other businesses don't but simply charge you that much more for your food so that YOU and not them pay for YOUR credit card fee!

It's not "your" credit card fee. It's the fee the credit card charges the merchant. The merchant can absorb it, pass it on, or build it into their price structure---all have their pros and cons. YOU can choose to use cash, or YOU can choose merchants who don't blatantly pass it on (but you won't know if it was already built into their price structure. Most fees are under 3%, some are higher. There are also laws governing these transactions as well as agreements between the merchant and the bank. Most of these appear to be poorly enforced, at best. Also, I'm not so sure how "common" it is---prior to the pandemic I rarely saw the fee added except at gas stations.

[Bill14564]

Not true, if the price is the same for cash or credit card, it’s cheaper using our rewards credit card that gives us 2% cash back. If the establishment adds a fee of over 2% for paying with a credit card, it’s cheaper for us to pay with cash. It’s not that paying a percent or two more would make any difference to us, I just like getting the best value for our hard earned money.

If we eat the same meal then we should both pay the same price. Anything else is a penalty on the one who is made to pay more. The cost of accepting credit cards is a cost of doing business and should be factored into their advertised price.

Now, if they want to give me a discount for being 65+ years old, great! If they want to give me a discount for having a AAA card great! If they want to give me a discount for paying in cash, great! But all these are presented as discounts off the advertised price, not surcharges added onto the bill.

I like my points cards too but any benefit I get from using the card is between me and the bank. I wouldn't accept a store owner telling me that since I get 2% cash back he is going to add a 2% surcharge so that my bank account drops by the same amount as the guy paying cash.

I can think of three businesses that have added a credit card surcharge. I don't avoid them entirely but I don't visit them as often as I might without the surcharge. Is it legal? Maybe. Is it fair? Arguably. Does it improve the customer experience? No, it has the opposite effect. Is it a good idea? Who knows; some restaurants will say they cannot survive without the 3.5%, some customers will say they did not even notice the 3.5%, and some customers will take their business that don't have a surcharge. Business decision - we'll see how it goes.

[Bill14564]

Common practice? I use a credit card for almost everything I buy, and I can't remember ever paying an extra fee.

But you also regularly explain that you will NOT use a credit card in a restaurant. Since all the businesses where I can remember seeing this surcharge are restaurants it could explain why you've not seen it.

But no, it is not a common practice to add a surcharge. It seems to be popping up more frequently but still only fewer than five percent of the restaurants we patronize.

[retiredguy123]

But you also regularly explain that you will NOT use a credit card in a restaurant. Since all the businesses where I can remember seeing this surcharge are restaurants it could explain why you've not seen it.

But no, it is not a common practice to add a surcharge. It seems to be popping up more frequently but still only fewer than five percent of the restaurants we patronize.
Correct. I would not know about restaurants. But, I use my credit card for everything else. Amazon, Publix, Walmart, Best Buy, Lowes, Home Depot, Walgreens, medical offices. No fee. I could go on and on. This is definitely not a common practice.

[Bonanza]

I always pay cash in a restaurant. I won't allow my credit card to be taken into the back room where it can easily be photographed.

If restaurants start charging a fee to use a credit card, I think they will lose money because customers who pay with a credit card typically spend more money. 3.75 percent is too high. The average fee that businesses pay is about 2 percent, depending on their average transaction amount and the type of card used.

If your credit card is indiscriminately used by someone, your credit card company stands behind you and you won't be charged. That is not a reason to not pay using your card.

If a restaurant begins charging a fee to use a card, I think it could be disastrous for them, particularly in a more expensive restaurant. They will quickly lose business.

[golfnut]

I think Arnold Parkers must be in Leesburg, it's not in The Villages.

Where is Arnold Parker's anyway? LOL

[LynneH]

I just renewed my car's Florida license tag.
The payment options were:
Check in the mail- full price + tax
In person- full price + tax - 70¢
Credit card payment full price + tax + 2.75% surcharge

[CoachKandSportsguy]

So lets say, Visa charges 2%, Amex charges 4 % and less popular cards charge 6%. If the restaurant accepts all these, then lets say the average charge is 4%. So the restaurant charges 4% to cover a blend of card charges. .

Disclose it or not disclose it? If the restaurant tacks 4% onto every item, they don't have to disclose anything, everybody pays the same, like yesteryear. However, their published meal prices are higher, so in a very competitive environment, against a published meal price which doesn't include the cc markup, people will pick the cheaper meal. So now to combat published meal prices without the fee, the all in restaurant has to publish a lower price structure, and tack on the fee.

That is why the restaurants are saying everyone is doing it, because remember the United States' economic competitiveness: the cheapest advertised rates get the eyeballs and the customers.

Are the meals and dining experience the same? If i owned the business, i would be watching my overall
1) repeat customers
2) my meal per size per person
3) the menu items sold
4) my nightly specials success

but I like data analytics for competitive edge

[Bogie Shooter]

But you also regularly explain that you will NOT use a credit card in a restaurant. Since all the businesses where I can remember seeing this surcharge are restaurants it could explain why you've not seen it.

But no, it is not a common practice to add a surcharge. It seems to be popping up more frequently but still only fewer than five percent of the restaurants we patronize.

Gotcha.............

[retiredguy123]

Gotcha.............
If you are referring to me, I use a credit card for more than 90 percent of my purchases, and I never use one in a restaurant. But, I cannot remember ever being charged a fee. So, I don't think it is a common practice, and hope it never is.

[Bonanza]

I just renewed my car's Florida license tag.
The payment options were:
Check in the mail- full price + tax
In person- full price + tax - 70¢
Credit card payment full price + tax + 2.75% surcharge

This is nothing new.
Florida's credit card charge has been in effect for a number of years.

[Stu from NYC]

This is nothing new.
Florida's credit card charge has been in effect for a number of years.

VA did the same thing for many years but at least they are up front about the charge

[RUCdaze]

It will be a moot point when digital currency comes in soon. You won't need a credit card, and the government will know how you spend every cent.

[ldj1938]

Could this possibly be the Arnold Palmer Country club? You might remember him? He played golf.

[Road Apple]

If you have a “no annual fee” card from your bank and are paying the 3.5% tacked onto your bill, you no longer have a free card from your bank. I’d say reduce your tip and jot a note on the merchant receipt as to why you did. The servers will push back on management. And right now, they have plenty of leverage.
Also, that charge from the CC companies to the restaurant is a tax deductible expense for the merchant. So that 3.5% you may be paying is likely inflated and in their favor.
But that’s none of my business lol ������

[Rwirish]

Where is Arnold Parker’s?

[Sandy and Ed]

Sounds good, but:
Customer 1 orders spaghetti marinara at $10.
Customer 2 orders spaghetti/lobster sauce at $35.
In both cases server takes order, delivers 1plate to each customer. Same level of service, yet customer 1 tip (@ 20%) $2 while customer 2 tip (@ 20%) is $7. Customer 2's tip for same service is 350% more.
Exactly!! Servers working at, for example, Chops make more in tips per customer than, let’s say Ruby Tuesday. Why?? Entire way tips are handled in this country is screwed up. If you serve one plate of food and one glass of something and otherwise service a patron at a table why would the venue make a difference??? Just saying…..

[BrianL99]

Same fee for debit cards???

Most "Debit Cards" are issued by VISA or MasterCharge. The internal process is essentially the same, whether it's credit or debit. The fee however, are different.

There are only 5-6 companies in the USA, that actually "process" these things. Then there's an intermediate processor that is the conduit between the business you're doing business with and the actual processor.

In general, one of the highest processing fees are charge for the hospitality business, I suspect, because of the high-risk in the transient business. While the direct and obvious charge will usually be a hair under 2%, that doesn't recognize the transaction fee that's assessed to every transaction (I *think* that fee is about 8¢) and an increase if you're using a "Rewards Card". Over the course of a year, the average credit card fees for a restaurant, is likely to average close to 3.0% - 3.5%. (I just checked one of our hospitality businesses and for the month of July, we were at 2.5%. We have an extremely low rate, based on our history and volume.)

All that said, it used to be considered the "cost of doing business". If a business didn't take CC's, they figured they would lose significant business, so they absorbed the fees.

Now it's just the norm and the convenience fee for that "cashless society" we've been promised for 10 years is now here and the consumer is paying for it.

[birdawg]

I have to pay my hair dresser an extra $5 if I use a credit or debit card. She owns the business. Another way of saying “I prefer cash” ?
And they get to keep the 7% tax you paid.

[Glowfromminnesota]

My hairdresser started charging 3.75 percent if you use a credit card several years ago. If you use a debit card—as a debit card with a code—there is no charge. Seems like smaller business are starting to charge the fees.

[Steve]

Where is Arnold Parker’s?

It's just down the street from the Jack Nickelby Country Club.

[Vermilion Villager]

There's a local bar up here in northern Minnesota. They started charging a 2.5% surcharge. The bartender was defending the owner saying "last year Archie had to pay $50,000 in credit card fees!" I responded "do you know if he paid $50,000 in fees that means he had $2 million in sales?… Let that sink in for a minute considering he's paying you minimum wage". The guy stood there with a dumbfounded look on his face and you could see the gears turning.

Then I pulled out my checkbook and wrote him a check. :pepper2:

[sborlove]

If the establishment does not post the signage for the charge fee than it is not a MUST pay fee. You can demand they remove it. The business must have posted any additional fee's in the business so that consumers are aware of the charge ahead of time. If they have that posted than it is up to you whether you stay and purchase or leave.

[mlmarr]

My golf ladies went to Arnold Parker’s yesterday for lunch. We knew it was pricey but the food and service are usually good. When given our checks we put our credit cards to pay the bill. When the server returned with the copy to sign, we noticed the bill was higher. I called the server over and she stated that it was a 3.75% service charge for using a credit card and this was on the bottom of checks. We don’t usually look at the bottom of the check unless it has the gratuity suggestions on it. Beware of this on your checks.

price of everything is going up.. including bank fees to process your credit card .. next trip take cash along.. pretty soon your cc/miles will be worth zero too..

[pauld315]

The 3.75 percent fee would be about double what I paid when I owned a retail business. But, I don't know what the current bank fees are. It seems too high though. Their online menu doesn't seem to say anything about the fee. Also, I wonder if they are able to distinguish between a credit card and a debit card in all cases.

Having owned several businesses, the fee the bank charges varies based on volume and other factors. I wouldn't doubt for a second the 3.75% charge.

[pauld315]

All credit card companies charge the merchant fees for using their card, if the merchan.t passes these charges on it should be noted on your bill . The fee is based on the merchants volume of sales , higher sales lower fee .

Or, they could just raise their prices by 4% to cover the cost. Of course, that means that even those that pay cash would pay more.

[capecoralbill]

Considering they now “for our convenience” suggest a minimum tip of 18%, have increased the meal cost and in some cases reduced the meal quality and selection, might as well do more cooking at home.

Yes, hidden/camouflaged fees everywhere, need a lawyer just to understand the bill. I also am not happy about many tips starting at 18 %.

I wonder if all this extra income is reported to the IRS?

[fdpaq0580]

Yes, hidden/camouflaged fees everywhere, need a lawyer just to understand the bill. I also am not happy about many tips starting at 18 %.

I wonder if all this extra income is reported to the IRS?

"For your convenience, we suggest xxx% tip". How dare they try to suggest, recommend or in any other way try to passively/aggressively try to bully me to spend my money the way they want me to.
And, "NO", I highly doubt that "all this extra income is reported to the IRS".

[Keefelane66]

Yes, hidden/camouflaged fees everywhere, need a lawyer just to understand the bill. I also am not happy about many tips starting at 18 %.

I wonder if all this extra income is reported to the IRS?
Tipping has got out of hand we consider it a plate delivery fee. Just because prices are inflated doesn't mean an automatic increase.
If the restaurant is imposing up to 3.75 cc fee along with meal tax7% we deduct the total and tip on meals not fees and taxes. We tip on service provided by waiter/waitress not necessarily an automatic 18%

[fdpaq0580]

Tipping has got out of hand we consider it a plate delivery fee. Just because prices are inflated doesn't mean an automatic increase.
If the restaurant is imposing up to 3.75 cc fee along with meal tax7% we deduct the total and tip on meals not fees and taxes. We tip on service provided by waiter/waitress not necessarily an automatic 18%

Last sentence does not match previous sentence, "tip on meals". Tip sould be calculated on pre-tax and fees total, if you tip on meals.
My point about tipping relation to the cost of the meal is that it makes no sense. Whether the server delivers a $10 burger or a $30 steak, the effort for the server is the same, therefore the tips should be the same.

[MrFlorida]

One of my friends was complaining that while paying cash, the waiter came back and said they don't have change....go figure.

[Michael G.]

Whether the server delivers a $10 burger or a $30 steak, the effort for the server is the same, therefore the tips should be the same.

Agree, that's why I go to McDonalds, order my 2 sausages McMuffin, a senior coffee,
sit outside and watch people.

No tipping, I can pick up my own meal, takes a couple minutes, and get a pleasant
smile with "Thank You Sir, have a great day".

Now life doesn't get any better than that. :thumbup:

[Mrs.Guy]

Last sentence does not match previous sentence, "tip on meals". Tip sould be calculated on pre-tax and fees total, if you tip on meals.
My point about tipping relation to the cost of the meal is that it makes no sense. Whether the server delivers a $10 burger or a $30 steak, the effort for the server is the same, therefore the tips should be the same.

:undecided: Soooo.....is it safe to say that when you get a $10 burger you tip like it's a $30 steak? Or is it the other way around? :laugh:

:icon_hungry: THERE ARE A LOT OF PEOPLE WHO THINK TIPPING IS A CITY IN CHINA! ;)

[Mrs.Guy]

Agree, that's why I go to McDonalds, order my 2 sausages McMuffin, a senior coffee,
sit outside and watch people.

No tipping, I can pick up my own meal, takes a couple minutes, and get a pleasant
smile with "Thank You Sir, have a great day".

Now life doesn't get any better than that. :thumbup:

:mmmm: Surf and Turf every night...... filet-o-fish and a big mac???? :$:

[Skip]

One of my friends was complaining that while paying cash, the waiter came back and said they don't have change....go figure.

We had that happen too. They rounded UP the total paying cash. When I complained and they said "we don't do coins", I made them round DOWN to the lower dollar.

Some restaurants (one in particular nearby) even with a reservation, will say "Go to the bar and we'll get you when your table is ready." Yet the restaurant is empty and the servers are standing around waiting for patrons. Obviously we left and don't go there any more.

This behavior is getting out of hand.

Skip

[Skip]

TIPPING IS A CITY IN CHINA! ;)

No, it's an old tower in Pisa, Italy.

Skip

[Tom52]

Or, they could just raise their prices by 4% to cover the cost. Of course, that means that even those that pay cash would pay more.

The majority of people have been paying with credit cards at restaurants for years. I would bet that the restaurants have had credit card fees built in their prices for many years as well. This is just a new excuse to increase prices even further.

[DDToto41]

Interesting. The credit card fee seems to violate this Florida law.

Update: Although this Florida law is still current, a Federal court ruled that it is unconstitutional. So, it may be legal to charge the fee. Go figure.

Fla. Stat. §501.0117

(1) A seller or lessor in a sales or lease transaction may not impose a surcharge on the buyer or lessee for electing to use a credit card in lieu of payment by cash, check, or similar means, if the seller or lessor accepts payment by credit card. A surcharge is any additional amount imposed at the time of a sale or lease transaction by the seller or lessor that increases the charge to the buyer or lessee for the privilege of using a credit card to make payment. Charges imposed pursuant to approved state or federal tariffs are not considered to be a surcharge, and charges made under such tariffs are exempt from this section. A convenience fee imposed upon a student or family paying tuition, fees, or other student account charges by credit card to a William L. Boyd, IV, Florida resident access grant eligible institution, as defined in §1009.89, or to a private school, as defined in §1002.01, is not considered to be a surcharge and is exempt from this section if the amount of the convenience fee does not exceed the total cost charged by the credit card company to the institution. The term “credit card” includes those cards for which unpaid balances are payable on demand. This section does not apply to the offering of a discount for the purpose of inducing payment by cash, check, or other means not involving the use of a credit card, if the discount is offered to all prospective customers.

(2) A person who violates the provisions of subsection (1) is guilty of a misdemeanor of the second degree, punishable as provided in §775.082 or §775.083.

The state will charge you 3% if you wanted to use a credit card or a debit card. And they have been doing it since I came in 2005.

[retiredguy123]

The state will charge you 3% if you wanted to use a credit card or a debit card. And they have been doing it since I came in 2005.
It does seem hypocritical that they would not comply with their own law.

[Stu from NYC]

We had that happen too. They rounded UP the total paying cash. When I complained and they said "we don't do coins", I made them round DOWN to the lower dollar.

Some restaurants (one in particular nearby) even with a reservation, will say "Go to the bar and we'll get you when your table is ready." Yet the restaurant is empty and the servers are standing around waiting for patrons. Obviously we left and don't go there any more.

This behavior is getting out of hand.

Skip

Wow I would wave goodbye to manager as we left.

[fdpaq0580]

:undecided: Soooo.....is it safe to say that when you get a $10 burger you tip like it's a $30 steak? Or is it the other way around? :laugh:

:icon_hungry: THERE ARE A LOT OF PEOPLE WHO THINK TIPPING IS A CITY IN CHINA! ;)

In an earlier post I said that I typically tip $20% of the pre-tax/fees total. But, that doesn't mean that I like or agree with the practice. A practice, by the way, which puts pressure on the server to upsell from the burger to the steak and drink other than water. Suggest appetizers and dessert. Oh, and for $x dollars more you can have the salad bar. Your $10 dollar burger and water has become $63. You may have had an average waiter/waitress, but you got a great sales person.
Best of all, even though you didn't get what you wanted, you let everyone know you can afford it and you won't have to suffer those who want to show that you are a cheapskate.

[JMintzer]

There's a local bar up here in northern Minnesota. They started charging a 2.5% surcharge. The bartender was defending the owner saying "last year Archie had to pay $50,000 in credit card fees!" I responded "do you know if he paid $50,000 in fees that means he had $2 million in sales?… Let that sink in for a minute considering he's paying you minimum wage". The guy stood there with a dumbfounded look on his face and you could see the gears turning.

Then I pulled out my checkbook and wrote him a check. :pepper2:

Any clue to what the bar's profit margin was?

I doubt it was as high as you think it is...

[Whitley]

Considering they now “for our convenience” suggest a minimum tip of 18%, have increased the meal cost and in some cases reduced the meal quality and selection, might as well do more cooking at home.

What, if anything do you tip on take out. I work from 6 am, usually leaving around 4 or 5. Too tired to cook. When I pick up take out (BBQ, Chinese etc) they have suggested tips on the bottom. I have been tipping on takeout for a few years now. I tip 20% when I eat at the restaurant (I'm so old I remember 12%, then 15, then 18 and now 20). This is for the service performed by the waiter. Who gets the tip on take out?

[Stu from NYC]

What, if anything do you tip on take out. I work from 6 am, usually leaving around 4 or 5. Too tired to cook. When I pick up take out (BBQ, Chinese etc) they have suggested tips on the bottom. I have been tipping on takeout for a few years now. I tip 20% when I eat at the restaurant (I'm so old I remember 12%, then 15, then 18 and now 20). This is for the service performed by the waiter. Who gets the tip on take out?

We tip for being served at a restaurant or having empty plates removed and water glasses refilled at a buffet.

Do not tip the cashier who hands us the food to go and takes our money. As far as I am concerned the restaurant should be paying him/her his wages.

[rsimpson]

Interesting. The credit card fee seems to violate this Florida law.

Update: Although this Florida law is still current, a Federal court ruled that it is unconstitutional. So, it may be legal to charge the fee. Go figure.

Fla. Stat. §501.0117

(1) A seller or lessor in a sales or lease transaction may not impose a surcharge on the buyer or lessee for electing to use a credit card in lieu of payment by cash, check, or similar means, if the seller or lessor accepts payment by credit card. A surcharge is any additional amount imposed at the time of a sale or lease transaction by the seller or lessor that increases the charge to the buyer or lessee for the privilege of using a credit card to make payment. Charges imposed pursuant to approved state or federal tariffs are not considered to be a surcharge, and charges made under such tariffs are exempt from this section. A convenience fee imposed upon a student or family paying tuition, fees, or other student account charges by credit card to a William L. Boyd, IV, Florida resident access grant eligible institution, as defined in §1009.89, or to a private school, as defined in §1002.01, is not considered to be a surcharge and is exempt from this section if the amount of the convenience fee does not exceed the total cost charged by the credit card company to the institution. The term “credit card” includes those cards for which unpaid balances are payable on demand. This section does not apply to the offering of a discount for the purpose of inducing payment by cash, check, or other means not involving the use of a credit card, if the discount is offered to all prospective customers.

(2) A person who violates the provisions of subsection (1) is guilty of a misdemeanor of the second degree, punishable as provided in §775.082 or §775.083.

In addition - Merchant Agreements between businesses and Card Processors PROHIBIT (or use to when I was on Commercial Banking) this fee practice. Many are now charging this fee, which is bogus.

[Stu from NYC]

In addition - Merchant Agreements between businesses and Card Processors PROHIBIT (or use to when I was on Commercial Banking) this fee practice. Many are now charging this fee, which is bogus.

But the processors seem to be turning a blind eye to this so other than get into an argument with owner or manager what is one to do other than take business elsewhere?

[Two Bills]

Debit Cards are basically a cash payment direct from your bank a/c and should have no charge.
I will not eat in an establishment that adds any surcharge for a CC. which should be an inbuilt cost, or if service charge is added that presumes I wish to leave a tip.
I am a good tipper, but also have the balls to say "You get nothing" if service is bad.
I never blame a good server if food is indifferent either, as they are not the cook.
I just don't go back!

[JMintzer]

Debit Cards are basically a cash payment direct from your bank a/c and should have no charge.
I will not eat in an establishment that adds any surcharge for a CC. which should be an inbuilt cost, or if service charge is added that presumes I wish to leave a tip.
I am a good tipper, but also have the balls to say "You get nothing" if service is bad.
I never blame a good server if food is indifferent either, as they are not the cook.
I just don't go back!

There is a big difference of what you think "should" happen and what actually happens...

I get dinged for every single payment, with both a percentage AND a "swipe fee"...

I find is astounding that there are so many commenting on this thread who have never run a business or taken CC payments... Most haven't a clue as to what they're talking about...

[fdpaq0580]

There is a big difference of what you think "should" happen and what actually happens.

Many, if not most, things don't go the way you think they "should".

[fdpaq0580]

Most haven't a clue as to what they're talking about...

Presumptuous. But probably fairly accurate.

[fdpaq0580]

We had that happen too. They rounded UP the total paying cash. When I complained and they said "we don't do coins", I made them round DOWN to the lower dollar.

Some restaurants (one in particular nearby) even with a reservation, will say "Go to the bar and we'll get you when your table is ready." Yet the restaurant is empty and the servers are standing around waiting for patrons. Obviously we left and don't go there any more.

This behavior is getting out of hand.

Skip

For the establishment to "round up" is simple theft. If they can't make change I am guessing they didn't try very hard to find change. Telling the customer that they rounded up says a lot about the ethics of the business and management.

[Two Bills]

There is a big difference of what you think "should" happen and what actually happens...

I get dinged for every single payment, with both a percentage AND a "swipe fee"...

I find is astounding that there are so many commenting on this thread who have never run a business or taken CC payments... Most haven't a clue as to what they're talking about...

I have never been charged for a debit card payment buy a business or my bank..
I said I won't pay CC surcharge in a restaurant. I use cash mostly anyway.
I was not commenting on collecting CC, or DC payments, and I do have a clue, that's why my money goes further!

[JMintzer]

I have never been charged for a debit card payment buy a business or my bank..
I said I won't pay CC surcharge in a restaurant. I use cash mostly anyway.
I was not commenting on collecting CC, or DC payments, and I do have a clue, that's why my money goes further!

YOU don't get charged by your bank when you use your credit card either... No one has been talking about that.

The business DOES get charged for BOTH Debit AND Credit Cards...

[BrianL99]

YOU don't get charged by your bank when you use your credit card either... No one has been talking about that.

The business DOES get charged for BOTH Debit AND Credit Cards...

The business gets charged a nominal fee for a Debit Card, unless they're doing busing with some tiny bank, that's exempt.

It's a violation of Federal Law (Durbin Amendment) to charge a surcharge on Debit Card or a Pre-Paid Card transaction.

What CC processors can charge for Debit Card transactions is also regulated by the Durbin Amendment and it's significant less than the transaction fee for a Credit Card.

If I'm not mistaken, all VISA & MC Merchant Agreements also prohibit charges for Debit Card use and will deny the charge.

[CoachKandSportsguy]

There is a big difference of what you think "should" happen and what actually happens...

I get dinged for every single payment, with both a percentage AND a "swipe fee"...

I find is astounding that there are so many commenting on this thread who have never run a business or taken CC payments... Most haven't a clue as to what they're talking about...

Fact check: TRUE

[Dusty_Star]

Could this possibly be the Arnold Palmer Country club? You might remember him? He played golf.
& remarkable corkscrew swing

[Dusty_Star]

Wow I would wave goodbye to manager as we left.
Correct! & no amount of pleading will get us to come back in.

[wfgross58]

I think the businesses should support Apple Pay (or other similar systems). Apple Pays costs consumers and businesses $0 to use/accept. Apple makes there money by charging cc companies 0.15% for the transaction, with a guarantee of a valid transaction.

[retiredguy123]

I think the businesses should support Apple Pay (or other similar systems). Apple Pays costs consumers and businesses $0 to use/accept. Apple makes there money by charging cc companies 0.15% for the transaction, with a guarantee of a valid transaction.
Not exactly.

"Millions of store locations already accept Apple Pay, and although Apple doesn't charge merchants fees to accept the payment method, you will still pay transaction fees as you would typically on any other credit and debit sale. Credit card swipe fees in the U.S. range from 2 percent to 4 percent."

As I understand it, the merchant doesn't pay for using the Apple Pay method, but they still pay the bank for the usual credit card fee. So, what's the big deal?

[Bonanza]

Well Darrell’s Diner also has a “non cash” fee. We had a $22 breakfast bill with a $1.54 (7%) tax and then a $0.94 “fee”. Not a big thing. Dropped a $3.50 tip and walked out for under $30. Problem for me is that our “cashless society” gonna start costing us real soon.

Darrell's fee is over 4%!!! :22yikes:
You know darn well that using a credit card doesn't cost the restaurant that much.
They are making money by charging that kind of fee and you aren't aware of the fee until you get the bill.

[Stu from NYC]

Darrell's fee is over 4%!!! :22yikes:
You know darn well that using a credit card doesn't cost the restaurant that much.
They are making money by charging that kind of fee and you aren't aware of the fee until you get the bill.

That would be upsetting and might cause us to say bye to restaurant that we enjoy from time to time

[Ecuadog]

Lake Harris Hideaway is tacking on 4% if you use a credit card and you aren't aware of the fee until you ask for the bill. Maybe we should start a list of establishments that are doing this.

[justjim]

They could get me once and that is on me but they won’t get me twice. Sounds like a desperate move to me.

[keithwand]

Guessing Fees will go away when and if the servers get stiffed for the 3 percent fee and quit that particular restaurant.
No servers, no customers….

[coralway]

I don’t understand your issue. The cc service changes are, in my experience, always noted usually on the bottom of the check. Your failure to take note of it is your fault, nobody else’s.

[retiredguy123]

I don’t understand your issue. The cc service changes are, in my experience, always noted usually on the bottom of the check. Your failure to take note of it is your fault, nobody else’s.
I don't agree. If the intent is to notify the customer of the fee, it should be noted on the menu, so the customer is notified before he/she decides to order. After the customer has ordered and eaten, the notification of a credit card charge on the check is too late. If the customer doesn't have enough cash to pay the bill, he/she cannot avoid the credit card charge.

[JSR22]

Guessing Fees will go away when and if the servers get stiffed for the 3 percent fee and quit that particular restaurant.
No servers, no customers….

Stiffing the servers in unacceptable. They do not decide on the restaurant's policies. 3 percent on a 50.00 bill is a 1.00. Why would anyone make a big deal over a trivial amt of money?

[golfing eagles]

Stiffing the servers in unacceptable. They do not decide on the restaurant's policies. 3 percent on a 0.00 bill is a 1.0. Why would anyone make a big deal over a trivial amt of money?

Because for some Villagers, this is the land of the "C word" and the "F word"----cheap and free:1rotfl::1rotfl::1rotfl:

[Stu from NYC]

Stiffing the servers in unacceptable. They do not decide on the restaurant's policies. 3 percent on a 0.00 bill is a 1.0. Why would anyone make a big deal over a trivial amt of money?

A principal? Besides in Europe many places charge for pitcher of tap water. Would that charge be OK with you?

[golfing eagles]

Darrell's fee is over 4%!!! :22yikes:
You know darn well that using a credit card doesn't cost the restaurant that much.
They are making money by charging that kind of fee and you aren't aware of the fee until you get the bill.

Not necessarily. Credit card fees can range up to 4.5% for businesses and maybe higher in some cases; we got charged 2.9% 10 years ago. My Mastercard gives 5% cash back at restaurants, so I'm still 1% ahead at Darrell's.

[JSR22]

Because for some Villagers, this is the land of the "C word" and the "F word"----cheap and free:1rotfl::1rotfl::1rotfl:

You are totally correct. I have never seen so many cheap people in one place. Driving the server nuts with more water and more lemons. They should leave a couple of dollars for the water service. Same amount of work as soft drinks and iced tea.

[JSR22]

A principal? Besides in Europe many places charge for pitcher of tap water. Would that charge be OK with you?

If the policy is they charge for water I would pay for the water. No principle involved.

[MrFlorida]

Simple solution , go someplace else...

[JSR22]

Simple solution , go someplace else...

Exactly! They need to go someplace else and stop whining. If a couple of dollars makes that much of a difference, they should eat at home.

[golfing eagles]

You are totally correct. I have never seen so many cheap people in one place. Driving the server nuts with more water and more lemons. They should leave a couple of dollars for the water service. Same amount of work as soft drinks and iced tea.

Agree totally---it was that water with lemon culture that drove Katie Belle's out of business

[wisbad1]

My golf ladies went to Arnold Parker’s yesterday for lunch. We knew it was pricey but the food and service are usually good. When given our checks we put our credit cards to pay the bill. When the server returned with the copy to sign, we noticed the bill was higher. I called the server over and she stated that it was a 3.75% service charge for using a credit card and this was on the bottom of checks. We don’t usually look at the bottom of the check unless it has the gratuity suggestions on it. Beware of this on your checks.
I would deduct it from tip, let owners deal with angry staff. Plus it’s illegal.

[golfing eagles]

I would deduct it from tip, let owners deal with angry staff. Plus it’s illegal.

It's not "illegal". It MAY constitute a violation of the contractual agreement between the merchant and the credit card company, but even that is gray zone.

The bigger question: What did the server do to you that you would punish them for the owner's policy???? Complain to the owner or manager, don't stiff the server.

Plus, your strategy won't work unless you explicitly explain to the server WHY you reduced their tip, and i doubt many would want that confrontation.

[JSR22]

I would deduct it from tip, let owners deal with angry staff. Plus it’s illegal.

Absolutely absurd! Do not punish the servers. On a 20.00 tip it is 67 cents. If you cannot afford that stay home.

[mjr0773]

I would deduct it from tip, let owners deal with angry staff. Plus it’s illegal.

Please cite the statute or Florida case law that supports your statement.

[Bill14564]

Please cite the statute or Florida case law that supports your statement.

I believe it is 501.0117

[retiredguy123]

I believe it is 501.0117
Correct. But the law and a follow-up court challenge to it are both very confusing. What's worse is that even the State of Florida charges a fee to use a credit when paying taxes and other fees. But, even if a credit card surcharge is legal, the court said that the surcharge needs to be disclosed and the merchant cannot engage in deceptive practices. In my opinion, adding the surcharge on the check after the customer has already eaten the meal, is deceptive. The restaurant should notify the customers of the surcharge before they order the food. Otherwise, it is illegal.

[OrangeBlossomBaby]

You are totally correct. I have never seen so many cheap people in one place. Driving the server nuts with more water and more lemons. They should leave a couple of dollars for the water service. Same amount of work as soft drinks and iced tea.

I get water with lemon almost always. Here's why:

I don't drink soda and I rarely drink alcohol with meals.

Tap water in Florida tastes horrible, so I need to add lemon to make it drinkable for me.

I WOULD pay for bottled water but no one ever offers it to me.

I always ask for half a glass of water or a juice-sized glass of water with 1 piece of lemon to kill the taste. If they bring me a full glass, then I ask them for more lemon. I really only need a few sips with my meal but most wait staff don't actually LISTEN when I tell them I only want a little bit of water.

But again - if they offered to sell me a bottle of spring water I would gladly pay for it. They never do.

[keithwand]

If the restaurant wants to add a CC fee just raise the menu prices.
Since I tip 20 percent always then they now get 16.5 percent which is probably more than they are getting now from the village people.

[JSR22]

If the restaurant wants to add a CC fee just raise the menu prices.
Since I tip 20 percent always then they now get 16.5 percent which is probably more than they are getting now from the village people.

Are you deducting the CC fee from your server's tip? That's not very nice. I cannot imagine leaving a tip under 20 per cent. We always leave 25 per cent and do not deduct the credit card fee.

[jpvillager]

Becoming more frequent. Business use to absorb or include it in their pricing. Looks like way to charge more without raising prices. I prefer not using a debit card. I have one credit card for day to day use and not any reoccurring payments. That way if it gets hacked it is a simple process to switch to a new one. Hats off to Bellview Pizza. They don't or at least didn't take credit. Cash only.

[retiredguy123]

Becoming more frequent. Business use to absorb or include it in their pricing. Looks like way to charge more without raising prices. I prefer not using a debit card. I have one credit card for day to day use and not any reoccurring payments. That way if it gets hacked it is a simple process to switch to a new one. Hats off to Bellview Pizza. They don't or at least didn't take credit. Cash only.
The Belleview Pizza website says that they do accept credit cards.

[mtdjed]

Absolutely absurd! Do not punish the servers. On a 20.00 tip it is 67 cents. If you cannot afford that stay home.

Not debating the issue but have a hard time with the relevance of $.67 math. If you typically tip 20%, then for a $20 tip you must have spent $100 plus taxes $7. Not sure when the establishment calculates their 3.75% credit card fee, but perhaps it might be on the entire bill $127 or about $4.76.

[Bonanza]

]I don’t understand your issue.[/B] The cc service changes are, in my experience, always noted usually on the bottom of the check. Your failure to take note of it is your fault, nobody else’s.

Sorry, but you are wrong!

Yes, it may be noted on the bottom of the check but you won't know what it's for.

The issue is: If an additional fee of any sort is added to a bill, it is incumbent on the store/business/restaurant to advise you of the fee before you get the check or pay the bill.

[JSR22]

Not debating the issue but have a hard time with the relevance of $.67 math. If you typically tip 20%, then for a $20 tip you must have spent $100 plus taxes $7. Not sure when the establishment calculates their 3.75% credit card fee, but perhaps it might be on the entire bill $127 or about $4.76.
We tip a minimum of 25 per cent.

[mtdjed]

We tip a minimum of 25 per cent.

That was not the issue. I cited an example of 20% for purpose of illustration. However, I commend you for your generosity.

[wisbad1]

Just FYI, I own a retail store and the fees vary based on the card. All those rewards, the retailer pays them. So a bank card with no rewards may be 1% but a cash back rewards card may be as much as 3.5%. Even debit cards have a fee for the retailer.
So you charge the 1% guy the same as 3.5% guy? Crooked

[JMintzer]

So you charge the 1% guy the same as 3.5% guy? Crooked

The fees they pay to the CC companies differ, not the fees they charge to the customers...

[golfing eagles]

Not debating the issue but have a hard time with the relevance of $.67 math. If you typically tip 20%, then for a $20 tip you must have spent $100 plus taxes $7. Not sure when the establishment calculates their 3.75% credit card fee, but perhaps it might be on the entire bill $127 or about $4.76.

I would imagine it is calculated prior to the tip, since it is already there when you get your bill. Not sure if it is calculated on the tax or not---never cared enough to look

[JoMar]

Becoming more frequent. Business use to absorb or include it in their pricing. Looks like way to charge more without raising prices. I prefer not using a debit card. I have one credit card for day to day use and not any reoccurring payments. That way if it gets hacked it is a simple process to switch to a new one. Hats off to Bellview Pizza. They don't or at least didn't take credit. Cash only.

You haven't been there for awhile I assume. They started taking cc's months ago, bucking the trend lol. They do give you the cash option or the cc option which is slightly higher.

[kkingston57]

My golf ladies went to Arnold Parker’s yesterday for lunch. We knew it was pricey but the food and service are usually good. When given our checks we put our credit cards to pay the bill. When the server returned with the copy to sign, we noticed the bill was higher. I called the server over and she stated that it was a 3.75% service charge for using a credit card and this was on the bottom of checks. We don’t usually look at the bottom of the check unless it has the gratuity suggestions on it. Beware of this on your checks.

Thanks for the information. Reminds me of the old days when gas was less expensive if a person used cash. Looks like changes are coming everywhere. Cash may be the new king.

[JRcorvette]

It will only hurt the waiters…. I will not eat at a place that charges a fee. Prices are already crazy high to begin with. Note to bandits: there may be lots of Cash at this place by the end of the night.