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Like OP, I also often don't carry cash, and I'm from Poland, however I assume certain rules apply to other countries too. TINSTAFL. Shop owner pays for the POS

by zalew 16y ago

Like OP, I also often don't carry cash, and I'm from Poland, however I assume certain rules apply to other countries too. TINSTAFL. Shop owner pays for the POS terminal, pays for the phone connection, pays some percentage of the transaction and even for the printed logo on the bill. I don't believe any business owner would pay for that without charging clients for the cost, so in the end, it's split out onto the products prices. Specifically in Poland there's a law that f.ex. cigarettes cannot be charged more than the MSRP, but the rest of products obviously can, so in the end, you are the one who pays for the comfort of paying with plastic. Also, cash is billed directly, money from bank transactions come with a (afair 2-3 days) delay, so obviously paper gives the business owner a better cash flow than plastic. Oh, and a very-cheapo Polish 7-11-alike Biedronka after many years of operation afaik still doesn't accept cards, and besides slave labour I think it's also a matter of being able to drop prices a bit more. So there's probably some common sense there. I don't like being unable to pay with card though.

karol_zielinski 16y ago
Biedronka is a discount shop. We can't require from these kind of shops that they may want to pay extra money for using terminals for card payments. Remember that in many of these stores you could find an ATM next to the till. Most of the shops are not discount stores. They have normal products, with normal prices. They can (and should) pay some extra money for a possibility of card payments, because if they want to exist - they need to meet customers' needs. Today, most people expect that they will be able to pay by card.
- zalew 16y ago
  in many of these stores you could find an ATM next to the till. which probably charge you for the transaction a lot, if it's not your bank or euronet. I'm generally with you, I expect that services meet my needs and if I have a choice, I choose the ones that do. Personally it's sometimes hard to believe that someone can run a business excluding me as a target client ;) but somehow it's possible. And surprisingly, lots of the shops we assume they would struggle to exist, still run very well.

by zalew 16y ago

karol_zielinski 16y ago

Biedronka is a discount shop. We can't require from these kind of shops that they may want to pay extra money for using terminals for card payments. Remember that in many of these stores you could find an ATM next to the till. Most of the shops are not discount stores. They have normal products, with normal prices. They can (and should) pay some extra money for a possibility of card payments, because if they want to exist - they need to meet customers' needs. Today, most people expect that they will be able to pay by card.

zalew 16y ago
in many of these stores you could find an ATM next to the till. which probably charge you for the transaction a lot, if it's not your bank or euronet. I'm generally with you, I expect that services meet my needs and if I have a choice, I choose the ones that do. Personally it's sometimes hard to believe that someone can run a business excluding me as a target client ;) but somehow it's possible. And surprisingly, lots of the shops we assume they would struggle to exist, still run very well.