Comment on When did it become normalized to start passing credit card processing fees to the customer?

HubertManne@piefed.social ⁨2⁩ ⁨days⁩ ago

• Onomatopoeia@lemmy.cafe ⁨2⁩ ⁨days⁩ ago

  I’ve seen shops that only take cash, with an ATM in the store.

  I kind of get it for small shops. Even just reconciling the register every day is way easier with just cash.

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  • exasperation@lemmy.dbzer0.com ⁨2⁩ ⁨days⁩ ago

    Even just reconciling the register every day is way easier with just cash.

    No, it’s the opposite. Humans make mistakes with cash, and the overall drag on the store’s operations (from needing a safe for large amounts of cash, physically transporting cash to be deposited at the bank, dealing with theft/loss) tends to be higher than credit cards.

    That’s why a lot of places have switched to entirely cashless operations, because cash is slow and expensive for them.

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    • Dasus@lemmy.world ⁨1⁩ ⁨day⁩ ago

      You’re not wrong, cash does have more mistakes, but it evens out at the end, since you usually make mistakes both ways. Cash is riskier, yeah. But it’s also a lot cheaper depending on what the services and machines cost.

      I remember a time when people were hesitant to use cards for small payments, and some places wouldn’t take them for small purchases.

      Then cards became more popular and in recent years cash has been going away at least here, when it used to be that you had to be able to take cash.

      But yeah mistakes happen with cards as well. They’re just way harder to fix from the client end. (Client as in the company/person using a card machine to charge someone something.)

      But yeah it’s marginally easier to just take card payments but you have to keep the receipts from those as well just like you need to keep cash so there’s not that much of a difference in very small scales. (Like driving a taxi.) The bigger the scale the more it matters.

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      • exasperation@lemmy.dbzer0.com ⁨1⁩ ⁨day⁩ ago

        Cash is riskier, yeah. But it’s also a lot cheaper depending on what the services and machines cost.

        No, I don’t think this is true, and most merchants are coming around to this view. Adding an extra 15 minutes to the cashier’s shift counting cash, adding an hour to the manager’s shift driving the cash to the bank, doing all sorts of analog counting processes, maintaining a secure chain of custody so that the cash doesn’t get lost or stolen, the risk of actual violent robbery, it’s all going to cost more than the 3% fee that the processor charges.

        but you have to keep the receipts from those as well just like you need to keep cash

        No, everyone’s POS systems are totally digitized. There’s a database with all the transactions, not a pile of paper receipts. And the database actually links each transaction to an actual distinct card payment, rather than a digital note that the cashier took that much cash and put it into the register.

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  • OwOarchist@pawb.social ⁨2⁩ ⁨days⁩ ago

    Plus, no chargebacks.

    If a customer gets cash from the ATM and then gives you the cash, they can’t later try to claw that cash back by denying the charge.

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• BradleyUffner@lemmy.world ⁨2⁩ ⁨days⁩ ago

  I’m my experience, most places like that set up their own ATM with absolutely extortionate fees as a way to get extra money.

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  • HubertManne@piefed.social ⁨2⁩ ⁨days⁩ ago

    im pretty sure the brothers did not want to deal with whatever you have to do to get an atm. it was a pretty lean operation with really just enough room for the grill, fryers, blender, prep area and register. Very limited counter seating in side and a few tables outside. still in winter big lines. people just take it to go.

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