3 ms·

credit/debit transactions are too expensive for these small transactions to be viable. many stores have a „no cards below 10€“ policy because of this.

miohtama 8y ago
Not in Europe where card fees are capped http://www.eurolabour.org.uk/caps-on-credit-and-debit-card-fees-positive-impact-eu-uk-business http://www.eurolabour.org.uk/caps-on-credit-and-debit-card-f...
- cfstras 8y ago
  there are neither references nor a timestamp on that article. at least in germany, where OP was trying to charge along the route, there is a minimum transaction fee charged by most payment providers.
  - miohtama 8y ago
    You are still allowed to ask a reasonable minimum fee, depending on the payment method. Is 10 EUR reasonable for refuel? (instead of refilling 2€ only) However price must be the same for all payment methods. If there is an administrative fee it also must be the same across payment methods, excluding business cards and Amex/Diners. https://europa.eu/youreurope/citizens/consumers/shopping/pricing-payments/index_en.htm https://europa.eu/youreurope/citizens/consumers/shopping/pri...
mcv 8y ago
€10?! That is excessive. In the past, there have been shops that asked not to use a debit card for small transactions, but these days many shops welcome them, because handling cash is also expensive. (My favourite cheese shop is the lone exception: they only accept cash and nothing else. Luddites, but great and cheap cheese.) Credit cards are extremely rare in Europe, and only few places accept them at all, unless they're compatible with standard bank card transactions. Bank card transactions aren't that expensive and used for absolutely everything, including very small transactions. For recharging your car, there's really no problem at all to rely on standard bank cards.
davidgould 8y ago
Is this really true? Around here (Oakland, California) the parking meters take credit cards. Today for example, I paid $0.50 US for parking using a Visa card.
- cfstras 8y ago
  the first offer I found for the first offer i found for german CC terminals (sumup.de): - 2.75% on credit card tx - .95% on EC tc (popular form of debit cards) - no base fee I only found secondary sources for the direct way, but they state (zahlungsverkehrsfrafen.de) - .3%, at least .08€ for EC tx - 2-4% for CC tx, depending on provider

miohtama 8y ago

Not in Europe where card fees are capped http://www.eurolabour.org.uk/caps-on-credit-and-debit-card-fees-positive-impact-eu-uk-business http://www.eurolabour.org.uk/caps-on-credit-and-debit-card-f...

cfstras 8y ago
there are neither references nor a timestamp on that article. at least in germany, where OP was trying to charge along the route, there is a minimum transaction fee charged by most payment providers.
- miohtama 8y ago
  You are still allowed to ask a reasonable minimum fee, depending on the payment method. Is 10 EUR reasonable for refuel? (instead of refilling 2€ only) However price must be the same for all payment methods. If there is an administrative fee it also must be the same across payment methods, excluding business cards and Amex/Diners. https://europa.eu/youreurope/citizens/consumers/shopping/pricing-payments/index_en.htm https://europa.eu/youreurope/citizens/consumers/shopping/pri...

mcv 8y ago

€10?! That is excessive. In the past, there have been shops that asked not to use a debit card for small transactions, but these days many shops welcome them, because handling cash is also expensive. (My favourite cheese shop is the lone exception: they only accept cash and nothing else. Luddites, but great and cheap cheese.) Credit cards are extremely rare in Europe, and only few places accept them at all, unless they're compatible with standard bank card transactions. Bank card transactions aren't that expensive and used for absolutely everything, including very small transactions. For recharging your car, there's really no problem at all to rely on standard bank cards.

davidgould 8y ago

Is this really true? Around here (Oakland, California) the parking meters take credit cards. Today for example, I paid $0.50 US for parking using a Visa card.

cfstras 8y ago
the first offer I found for the first offer i found for german CC terminals (sumup.de): - 2.75% on credit card tx - .95% on EC tc (popular form of debit cards) - no base fee I only found secondary sources for the direct way, but they state (zahlungsverkehrsfrafen.de) - .3%, at least .08€ for EC tx - 2-4% for CC tx, depending on provider