webworm90
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It is legal but against the policy of MasterCard and Visa in the US, other counties have different laws. I think in France you have to show your id or Passport to use a card. |
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dt
 |
No. Contact Visa USA or Mastercard and report them. |
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loveblue
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According to the credit card companies, it's not. |
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Muralasa
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It's technically "legal" in that it's not violating any laws. However, it's against the terms of their contracts with many of the credit card companies. If they're caught or reported, they might lose their ability to accept credit cards. |
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littlebettycrocker
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sure is |
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me
 |
Yes.
It is their store.
The items in it are their items.
They get to decide on what terms they will trade their possessions for yours. |
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patrickmcc55
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It is legal, but against the rules and regulations of the credit card company. The merchants do this, because the credit card companies charge them 2 ways - first they pay a % of the sale to the cc company, and they pay a transaction fee. So if the charge is 2% plus a .50 fee, its not a big deal for a $200 purchase. However, if its a $4 purchase, they give 58 cents to the CC company.
You can report a merchant for having a minimum charge to the credit card company. |
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loulu
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I don't think there is a law against it. It is probably to the store owner's discretion. Because they pay a fee for each use, it isn't beneficial for them to accept credit cards for minimal amounts. In order to be able to the credit card, they need to make enough of a profit to cover their user fee with the credit card company and still make money! |
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muslimah
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Yes it is legal because the credit crad companies charge the stores for each transaction and in order for the stores not to lose profits, they have a minimum charge. I worked at a restaurant and the minimum charge was $5.00. It is legal because the store owners choose the way of payment they will accept, and they don't even have to accept credit cards at all if they chose not to. |
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STARRLICIOUS
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Yes it is legal |
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Molly
 |
No, not legal. It's not legal for them to ask to see your license either, even if the back isn't signed. They do have the right to refuse you as a customer, though. |
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Sal
 |
dunno...never have seen those signs before. I do know that companies are charged a fee for the debit/credit transactions though. Was is the minimum amount usually? |
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Wizzard2
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No they arent permitte but is it worse complaining about |
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ninusharra
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Depends on the county laws. It costs the store to run a debit/charge, and if the purchase isn't over a certain amount, the store loses money. |
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ksquadro
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It is perfectly legal - just like the store doesn't have to accept personal checks if they don't want to.
It costs the store money every time you want to use a charge card. And for small business owners, charges of $5.00 or less usually mean they are losing money. The other option is for them to raise the price you are paying for food to make up for the money they would lose. And that would effect all customers. Instead, they chose to set a minimum for those using a credit card.
If you want to complain as others have suggested - to visa or mc, then realize that the price of your purchase will be going up OR the owner will just not accept credit cards any more. |
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★★gone♦fishn'★★
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yes, they are charged a fee per transaction. |
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honeypot
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yes - they do not have to take your card and since they pay bank /merchant charges they have the right to have a minimum spend |
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Jill&Justin
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It is not illegal but against Visa and Mastercard policy. You can remind the merchant, then call your CC company, they can call the merchant. MSNBC.com has a story on this. |
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pycels
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it costs the store money on every transaction.. its isn't worth it for them to put through a charge of say 50 cents.
as for leagal ..im pretty sure it is |
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hyestyle73
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yes it is, however its illegal if they don't inform you of the extra charge! |
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scumbag
 |
It's elegal" its violating laws. However, it's against the terms of their contracts with many of the credit card companies. If they're caught or reported, they might lose their ability to accept credit cards. |
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Tom
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Listen "muslimah" -
Just because you worked at a restaurant doesn't mean you understand how things work.
Pursuant to the agreement merchants make with Visa and MC, the contract prohibits a minimum fee. If the merchant insists on a minimum fee, they are in violation of the user agreement. They can then be fined, or have the privilege of accepting credit cards taken away.
So yes, a restaurant doesn't have to accept credit cards if they don't want to, but that would not make any business sense.
That being said, since the Dodd-Frank Wall Street Reform and Consumer Protection was signed into law, merchants are no longer allowed to have this provision in their contracts. |
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