Talk of The Villages Florida

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-   Restaurant Discussions (https://www.talkofthevillages.com/forums/restaurant-discussions-90/)
-   -   Credit card fee (https://www.talkofthevillages.com/forums/restaurant-discussions-90/credit-card-fee-334925/)

CoachKandSportsguy 09-12-2022 08:40 PM

Quote:

Originally Posted by JMintzer (Post 2133725)
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 09-13-2022 02:55 PM

Quote:

Originally Posted by ldj1938 (Post 2133214)
Could this possibly be the Arnold Palmer Country club? You might remember him? He played golf.

& remarkable corkscrew swing

Dusty_Star 09-13-2022 03:43 PM

Quote:

Originally Posted by Stu from NYC (Post 2133445)
Wow I would wave goodbye to manager as we left.

Correct! & no amount of pleading will get us to come back in.

wfgross58 10-16-2022 03:28 PM

How about Apple Pay?
 
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 10-16-2022 03:37 PM

Quote:

Originally Posted by wfgross58 (Post 2147606)
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 10-16-2022 04:21 PM

4+% is Insanity!
 
Quote:

Originally Posted by Sandy and Ed (Post 2132946)
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 10-16-2022 04:48 PM

Quote:

Originally Posted by Bonanza (Post 2147620)
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 10-16-2022 06:30 PM

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 10-16-2022 06:38 PM

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 11-20-2022 03:20 PM

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 11-20-2022 03:25 PM

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 11-20-2022 03:45 PM

Quote:

Originally Posted by coralway (Post 2159321)
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 11-20-2022 05:04 PM

Quote:

Originally Posted by keithwand (Post 2159319)
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 11-20-2022 05:09 PM

Quote:

Originally Posted by JSR22 (Post 2159344)
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 11-21-2022 06:05 AM

Quote:

Originally Posted by JSR22 (Post 2159344)
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 11-21-2022 06:32 AM

Quote:

Originally Posted by Bonanza (Post 2147620)
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 11-21-2022 08:17 AM

Quote:

Originally Posted by golfing eagles (Post 2159346)
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 11-21-2022 08:19 AM

Quote:

Originally Posted by Stu from NYC (Post 2159406)
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 11-21-2022 08:42 AM

Simple solution , go someplace else...

JSR22 11-21-2022 08:45 AM

Quote:

Originally Posted by MrFlorida (Post 2159474)
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 11-21-2022 09:17 AM

Quote:

Originally Posted by JSR22 (Post 2159459)
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 11-21-2022 10:09 AM

Quote:

Originally Posted by Ral51Bjl (Post 2132701)
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 11-21-2022 10:13 AM

Quote:

Originally Posted by wisbad1 (Post 2159512)
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 11-21-2022 10:17 AM

Quote:

Originally Posted by wisbad1 (Post 2159512)
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 11-21-2022 11:38 AM

Quote:

Originally Posted by wisbad1 (Post 2159512)
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 11-21-2022 12:02 PM

Quote:

Originally Posted by mjr0773 (Post 2159551)
Please cite the statute or Florida case law that supports your statement.

I believe it is 501.0117

retiredguy123 11-21-2022 12:25 PM

Quote:

Originally Posted by Bill14564 (Post 2159558)
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 11-21-2022 12:29 PM

Quote:

Originally Posted by JSR22 (Post 2159459)
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 11-23-2022 01:53 PM

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 11-23-2022 01:58 PM

Quote:

Originally Posted by keithwand (Post 2160178)
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 11-23-2022 02:29 PM

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 11-23-2022 02:38 PM

Quote:

Originally Posted by jpvillager (Post 2160189)
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 11-23-2022 02:42 PM

Quote:

Originally Posted by JSR22 (Post 2159517)
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 11-23-2022 02:50 PM

Credit Card Fee
 
Quote:

Originally Posted by coralway;2159321[B
]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 11-23-2022 03:44 PM

Quote:

Originally Posted by mtdjed (Post 2160192)
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 11-23-2022 03:52 PM

Quote:

Originally Posted by JSR22 (Post 2160217)
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 11-23-2022 07:41 PM

Quote:

Originally Posted by amassary (Post 2133084)
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 11-24-2022 10:53 AM

Quote:

Originally Posted by wisbad1 (Post 2160284)
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 11-24-2022 11:18 AM

Quote:

Originally Posted by mtdjed (Post 2160192)
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 11-24-2022 07:21 PM

Quote:

Originally Posted by jpvillager (Post 2160189)
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.


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