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Old 09-01-2014, 10:28 AM   #1
TimBone TimBone is offline
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Apparently there are tons of fees involved in the credit card processing biz. I've actually never heard of a company only accepting cash but my boss used to bitch about credit card fees incessantly..
Yea...This is true. Some random Indian dude explained the process to me during our transaction. Every time they swipe a card, they are charged a certain fee from the company they use to process debit/credit transactions. That fee is charged whether or not the transaction is completed. Therefore, you walk in there, swipe your card for five dollars worth of soda and chips, and you're card gets declined because you're a shitbag with no money, that store owner still gets charged for swiping that card.

Similarly, if you only buy a fifty cent bag of crackers that they're making a 20 cent profit off of, and the debit/credit transaction fee is 25 cents, they're losing five cents by selling you that bag of crackers via debit/credit.
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Old 09-01-2014, 10:31 AM   #2
ShortRoundChief ShortRoundChief is offline
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Yea...This is true. Some random Indian dude explained the process to me during our transaction. Every time they swipe a card, they are charged a certain fee from the company they use to process debit/credit transactions. That fee is charged whether or not the transaction is completed. Therefore, you walk in there, swipe your card for five dollars worth of soda and chips, and you're card gets declined because you're a shitbag with no money, that store owner still gets charged for swiping that card.

Similarly, if you only buy a fifty cent bag of crackers that they're making a 20 cent profit off of, and the debit/credit transaction fee is 25 cents, they're losing five cents by selling you that bag of crackers via debit/credit.

Damn those shitbags.
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Old 09-01-2014, 10:32 AM   #3
SAUTO SAUTO is offline
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Yea...This is true. Some random Indian dude explained the process to me during our transaction. Every time they swipe a card, they are charged a certain fee from the company they use to process debit/credit transactions. That fee is charged whether or not the transaction is completed. Therefore, you walk in there, swipe your card for five dollars worth of soda and chips, and you're card gets declined because you're a shitbag with no money, that store owner still gets charged for swiping that card.

Similarly, if you only buy a fifty cent bag of crackers that they're making a 20 cent profit off of, and the debit/credit transaction fee is 25 cents, they're losing five cents by selling you that bag of crackers via debit/credit.
And they charge you interchange fees, and more for debit, and processing fees, and then they charge you for emailing you a statement, then they automatically renew your contract yearly. Use the service after its up and they have you on the hook for another year. And they charge you a fee for collecting the other fees...
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Old 09-01-2014, 10:34 AM   #4
TimBone TimBone is offline
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And they charge you interchange fees, and more for debit, and processing fees, and then they charge you for emailing you a statement, then they automatically renew your contract yearly. Use the service after its up and they have you on the hook for another year. And they charge you a fee for collecting the other fees...
Hey man...it was a two minute convenience store transaction. He didn't have time to explain all of that to me.
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Old 09-01-2014, 10:38 AM   #5
SAUTO SAUTO is offline
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Hey man...it was a two minute convenience store transaction. He didn't have time to explain all of that to me.
I only spent thirty seconds typing that up. Slacker
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Old 09-01-2014, 10:46 AM   #6
ThaVirus ThaVirus is offline
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Originally Posted by TimBone View Post
Yea...This is true. Some random Indian dude explained the process to me during our transaction. Every time they swipe a card, they are charged a certain fee from the company they use to process debit/credit transactions. That fee is charged whether or not the transaction is completed. Therefore, you walk in there, swipe your card for five dollars worth of soda and chips, and you're card gets declined because you're a shitbag with no money, that store owner still gets charged for swiping that card.

Similarly, if you only buy a fifty cent bag of crackers that they're making a 20 cent profit off of, and the debit/credit transaction fee is 25 cents, they're losing five cents by selling you that bag of crackers via debit/credit.


Quote:
Originally Posted by JASONSAUTO View Post
And they charge you interchange fees, and more for debit, and processing fees, and then they charge you for emailing you a statement, then they automatically renew your contract yearly. Use the service after its up and they have you on the hook for another year. And they charge you a fee for collecting the other fees...

Exactly.

They make it really hard for small businesses to survive.
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Old 09-01-2014, 10:28 AM   #7
TribalElder TribalElder is offline
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What place is worthy of Episode V
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Old 09-01-2014, 10:31 AM   #8
Hammock Parties Hammock Parties is offline
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What place is worthy of Episode V
I'm leaving on walkabout now. I can't take the good camera though. We'll have to settle for a LoFi episode.
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Old 09-01-2014, 10:29 AM   #9
TimBone TimBone is offline
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I have no idea why that dude told me that though.
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Old 09-01-2014, 10:34 AM   #10
TimBone TimBone is offline
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All those charges really suck though....any way they can leech another penny off of you though, I guess they will.
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Old 09-01-2014, 10:34 AM   #11
TribalElder TribalElder is offline
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the card processing biz sounds kinda mafioso

also, Pizza Glen doesn't take cards
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Old 09-01-2014, 10:46 AM   #12
SAUTO SAUTO is offline
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Worst transaction ever was when one of the guys accidentally put in 5000 instead of 500 then refunded it immediately. That minute. The money never changed hands since it batches at midnight. Since he did a refund rather than a void I had to pay the fees on 5 grand AND on 500.


I lost my shit over that one, not at the employee he didn't know hell I would have never guessed, but at the company.they wouldn't budge either, had been with them for 5 years. THEN I tried to cancel services since I had originally signed a 5year contract, it had been up the mont prior. That's when I learned they dont let you go no contract they just automatically renew it for a year. VERY fine print there. Had a new provider in the next week and they got their monthly fees for the next 11months and got booted.


They actually called me then and offered a good deal and I told them that they should have offered that first off and they could gon**** themselves, sent them a picture of my newborn playing with their equipment
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Old 09-01-2014, 10:48 AM   #13
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You know, I actually have a friend on Facebook that posted something from his bank account. Apparently, his bank charged him a fee for using his card too many times in a month period

I'm not sure if it's true or if I saw it correctly but I had a chuckle at that.

Then the banks charge you if you don't have enough money in your account (like at least $250 or something). Or if you overdraw from your account.

They charge you money for not having money.
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Old 09-01-2014, 10:57 AM   #14
SAUTO SAUTO is offline
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You know, I actually have a friend on Facebook that posted something from his bank account. Apparently, his bank charged him a fee for using his card too many times in a month period

I'm not sure if it's true or if I saw it correctly but I had a chuckle at that.

Then the banks charge you if you don't have enough money in your account (like at least $250 or something). Or if you overdraw from your account.

They charge you money for not having money.
They charge me on my business account after so many transactions, which every check written or TAKEN and deposited is a transaction. It's free up to like 250 transactions so they charge me every month because I go over that. To get up to 500 free I would have to keep 30 grand in the account at all times. I have better things to do with my money than let it sit in that account.
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Old 09-01-2014, 11:25 AM   #15
Dave Lane Dave Lane is offline
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So you were walking on Urinal, and what WTF was that shadow in the 1st pic? Mr. Winkie out for a tan?
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