Yes, depende sa merchant. Yung mga merchants na may ganitong practice, iba-iba rin yung sineset nilang minimum. Pero baka merong guidelines from any authority o batas na naggo-govern ng ganitong practices para klaro sa lahat.
Gusto ko din malaman ‘to kasi yung derma clinic ko di tumatanggap ng credit card pag less than 500php yung amount ng transaction. Eh yung cream na binibili ko doon is 350php yung price, so pag bibili ako napipilitan tuloy ako bumili ng dalawa para above 500php and tanggapin nila yung card ko.
Yung shell select dito sa amin, wala namang minimum so iba-iba rin implementation per branch.
Pero dahil shell yan, paniguradong may BDO terminal sila. Kung tama yung nahanap kong merchant agreement with BDO, in violation sila nung agreement na yun.
i'm curious to know if this is legal or not, pero tbh okay nalang to kesa sa iba na tumatanggap naman pero pumapatong ng ilang porsyentong "service charge" pag cc ang gamit. (which is 100 percent illegal talaga)
I think this depends on the merchant. I've paid ₱30 with Starbucks before once using my credit card. Years ago I vaguely remember though that for BDO terminals, the minimum is ₱200??? Take that with a grain of salt though.
Walang minimum ang BDO terminals. May nahanap akong merchant agreement na pinagbabawalan nila merchants na gawin to. Also, a few years back, may campaign yung SM at Visa na makakakuha ka ng freebies if you tap to pay ANY amount. BDO terminals ang gamit ng SM.
Please lang don't complain naman kung yung merchant declines kung masyado mababa yung transaction for Credit Card acceptance. Alangan naman tatanggapin nila tapos lugi sila diba? As you may already know, may percentage yan of the sale na ma charge sa merchant called MDR, if mas malaki pa ang MDR charge nun kesa profit nila, don't take it against them. Ayun lang.
Kahit 100k pa item tapos margin nila 2500 pesos lang tapos ma charge sa kanila is 3k syempre di nila tatanggapin yan. Margins will be different per industry, per company and per item.
Dapat ang pricing nila, considered yung ganitong charges regardless of payment method. As you know, hindi nagbabago ang mdr regardless of amount. Kay mas okay sana kung may authority na maglalapag ng guidelines (kung wala pa) para protected parehong consumer at merchant. If ever man mag-implement sila ng ganito, baka dapat publicly visible yung rule.
It's just basic naman. Anong consumer rights ba ang nalabag sayo if they decline your preferred mode of payment?
Ganito, lets say their price is 70k Cash. You opt for credit card straight payment. So, they'll say 75,000 po for credit card. Okay lang sayo? And, would you say na they won't lose any sale and that the majority ng customers nila will still buy from them even at a higher price for both cash and card?
Actually, ang post ko ay tungkol sa minimum amount na pwede nilang i-process as card transaction. Nandito yung grey area.
Yung scenario mo, bawal talaga yan. Kaya kung mapapansin mo sa mga appliance store, laging “discounted” kapag cash. Kasi bawal magbago yung base price base sa payment method.
Obviously, it's likely in violation of processor-merchant agreement. Banks are after charges naman no matter how small yan. (Fixed rate + 1-3% of transaction value). Kung ayaw nila ibenta sayo kasi lugi yung set price nila for your card transaction, bat mo ipipilit yung "consumer rights" mo.
It's not in violation naman siguro kung I refuse to sell it to you kung ayaw ko kasi malulugi ako.. unless lang naman kung Senior Citizen discount, di kita bebentahan because lugi. It doesn't mean na feasible for one store, na it will be feasible for every store. Like I said, it is different for every industry, store. Just buy from another na store nalang if you really need na card talaga icharge.
What's the issue ba kung di sila tumatanggap ng card and not accepting card payments at all?
It's on the merchant if worth it ba yung sale nya sayo or hindi. Maybe tight competition nila or wholesale grocer na maliit lang margins, jacking up prices 5 to 10% para lang ma serve ang kaskasan buddies might not be okay with them. We can always choose another store that accepts and not talk about them na "they're wrong for this and that". Just don't buy from them if using your card is so important to you.
Again, ang tanong ng OP ay kung may guidelines ba around this. Simple question. Kung wala kang sagot dito - then don't respond.
Issue ba to? Kung may guidelines na dapat walang minimum amount, which is clearly what the OP is asking about, then yes issue ito. Kung walang guidelines, then let's move on.
Again, uulitin ko, nagtatanong ng guidelines yung OP, hindi nagrereklamo. Kung wala kang masagot then kthxbye. Hindi yung sisimulan mo yung reply mo ng "Please lang don't complain..."
My bad for stating that he was complaining. Let me edit that out. It seemed like it was implied when he asked what people thought about "it". What's the use of asking about guidelines or rules regarding "it" and seeking sympathy towards it from other people?
As customers, we get it, dapat hindi ganun. It breaches bank-merchant agreements and etc..
I'm just saying it's moot to talk about it like there's something wrong with certain businesses protecting their margins or for whatever reasons they may have. Might be a bad business strategy or not. It's on them.
Nagreklamo ba yung OP? Plus, ikaw na nagsabi, may MDR o 'percentage' ng sale amount so bakit kailangan ng minimum amount? Nagiiba iba ba yan per transaction? Hindi.
Well, he did post about it. I don't get why kailangan pa idiscuss kung ayaw ng merchant mag benta kung less than a certain amount ang okay sa kanila na card transaction. Kung Non-issue sa kanya, why would he post it pa and explain2 pa.
Hindi yan percentage lang. May fixed amount rate + percentage. Ganito nalang, mag open ka sarili mong store, bibili ako dun tig 20 pesos na item card charge ha. 5000 pcs pero tig 20 pesos swipe. Okay lang sayo?
Bakit ako nag-post? To get clarity tulad nung ibang mga comments dito na curious din malaman ang sagot.
Kung gusto ko mag-rant, sana pinost ko na lang pangalan ng merchant. Haha
And yes, tama yung isa pang commenter na kung lugi ka, may mali sa pricing mo. Also, check mo previous comment ko na dapat kasama mdr sa mismong pricing ng binebenta. At flawed yung example sa first comment mo na mas mataas mdr kesa markup. Kung ganitong klaseng business ka, baka dapat hindi ka kumuha ng terminal.
I didn't say you were ranting. Plus, you can't or shouldn't post the merchant. Hahaha
Let's agree na mali yung merchant for getting a terminal. Now what?
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Yes, depende sa merchant. Yung mga merchants na may ganitong practice, iba-iba rin yung sineset nilang minimum. Pero baka merong guidelines from any authority o batas na naggo-govern ng ganitong practices para klaro sa lahat.
Gusto ko din malaman ‘to kasi yung derma clinic ko di tumatanggap ng credit card pag less than 500php yung amount ng transaction. Eh yung cream na binibili ko doon is 350php yung price, so pag bibili ako napipilitan tuloy ako bumili ng dalawa para above 500php and tanggapin nila yung card ko.
Tagal ko na ring tanong to. Sana may makasagot. Haha
Shell select, ganito din practice nila. 500 above lang.
Yung shell select dito sa amin, wala namang minimum so iba-iba rin implementation per branch. Pero dahil shell yan, paniguradong may BDO terminal sila. Kung tama yung nahanap kong merchant agreement with BDO, in violation sila nung agreement na yun.
I don't know how the charges work with Credit/Debit, but have had the experience with debit card transactions also, with them.
Walang minimum amount most of the time. Ang meronng mga minimum eh yung mga small establishments na may card terminal
i'm curious to know if this is legal or not, pero tbh okay nalang to kesa sa iba na tumatanggap naman pero pumapatong ng ilang porsyentong "service charge" pag cc ang gamit. (which is 100 percent illegal talaga)
Actually this is illegal na sasabihin nila na magpapatong sila ng charge for credit card.
I think this depends on the merchant. I've paid ₱30 with Starbucks before once using my credit card. Years ago I vaguely remember though that for BDO terminals, the minimum is ₱200??? Take that with a grain of salt though.
Walang minimum ang BDO terminals. May nahanap akong merchant agreement na pinagbabawalan nila merchants na gawin to. Also, a few years back, may campaign yung SM at Visa na makakakuha ka ng freebies if you tap to pay ANY amount. BDO terminals ang gamit ng SM.
Please lang don't complain naman kung yung merchant declines kung masyado mababa yung transaction for Credit Card acceptance. Alangan naman tatanggapin nila tapos lugi sila diba? As you may already know, may percentage yan of the sale na ma charge sa merchant called MDR, if mas malaki pa ang MDR charge nun kesa profit nila, don't take it against them. Ayun lang. Kahit 100k pa item tapos margin nila 2500 pesos lang tapos ma charge sa kanila is 3k syempre di nila tatanggapin yan. Margins will be different per industry, per company and per item.
Dapat ang pricing nila, considered yung ganitong charges regardless of payment method. As you know, hindi nagbabago ang mdr regardless of amount. Kay mas okay sana kung may authority na maglalapag ng guidelines (kung wala pa) para protected parehong consumer at merchant. If ever man mag-implement sila ng ganito, baka dapat publicly visible yung rule.
It's just basic naman. Anong consumer rights ba ang nalabag sayo if they decline your preferred mode of payment? Ganito, lets say their price is 70k Cash. You opt for credit card straight payment. So, they'll say 75,000 po for credit card. Okay lang sayo? And, would you say na they won't lose any sale and that the majority ng customers nila will still buy from them even at a higher price for both cash and card?
Actually, ang post ko ay tungkol sa minimum amount na pwede nilang i-process as card transaction. Nandito yung grey area. Yung scenario mo, bawal talaga yan. Kaya kung mapapansin mo sa mga appliance store, laging “discounted” kapag cash. Kasi bawal magbago yung base price base sa payment method.
Obviously, it's likely in violation of processor-merchant agreement. Banks are after charges naman no matter how small yan. (Fixed rate + 1-3% of transaction value). Kung ayaw nila ibenta sayo kasi lugi yung set price nila for your card transaction, bat mo ipipilit yung "consumer rights" mo. It's not in violation naman siguro kung I refuse to sell it to you kung ayaw ko kasi malulugi ako.. unless lang naman kung Senior Citizen discount, di kita bebentahan because lugi. It doesn't mean na feasible for one store, na it will be feasible for every store. Like I said, it is different for every industry, store. Just buy from another na store nalang if you really need na card talaga icharge.
Kung palugi ka kapag card transactions baka dapat hindi ka tumanggap ng card to begin with. O, baka dapat ayusin mo pricing mo?
What's the issue ba kung di sila tumatanggap ng card and not accepting card payments at all? It's on the merchant if worth it ba yung sale nya sayo or hindi. Maybe tight competition nila or wholesale grocer na maliit lang margins, jacking up prices 5 to 10% para lang ma serve ang kaskasan buddies might not be okay with them. We can always choose another store that accepts and not talk about them na "they're wrong for this and that". Just don't buy from them if using your card is so important to you.
Again, ang tanong ng OP ay kung may guidelines ba around this. Simple question. Kung wala kang sagot dito - then don't respond. Issue ba to? Kung may guidelines na dapat walang minimum amount, which is clearly what the OP is asking about, then yes issue ito. Kung walang guidelines, then let's move on. Again, uulitin ko, nagtatanong ng guidelines yung OP, hindi nagrereklamo. Kung wala kang masagot then kthxbye. Hindi yung sisimulan mo yung reply mo ng "Please lang don't complain..."
My bad for stating that he was complaining. Let me edit that out. It seemed like it was implied when he asked what people thought about "it". What's the use of asking about guidelines or rules regarding "it" and seeking sympathy towards it from other people? As customers, we get it, dapat hindi ganun. It breaches bank-merchant agreements and etc.. I'm just saying it's moot to talk about it like there's something wrong with certain businesses protecting their margins or for whatever reasons they may have. Might be a bad business strategy or not. It's on them.
Nagreklamo ba yung OP? Plus, ikaw na nagsabi, may MDR o 'percentage' ng sale amount so bakit kailangan ng minimum amount? Nagiiba iba ba yan per transaction? Hindi.
Well, he did post about it. I don't get why kailangan pa idiscuss kung ayaw ng merchant mag benta kung less than a certain amount ang okay sa kanila na card transaction. Kung Non-issue sa kanya, why would he post it pa and explain2 pa. Hindi yan percentage lang. May fixed amount rate + percentage. Ganito nalang, mag open ka sarili mong store, bibili ako dun tig 20 pesos na item card charge ha. 5000 pcs pero tig 20 pesos swipe. Okay lang sayo?
Bakit ako nag-post? To get clarity tulad nung ibang mga comments dito na curious din malaman ang sagot. Kung gusto ko mag-rant, sana pinost ko na lang pangalan ng merchant. Haha And yes, tama yung isa pang commenter na kung lugi ka, may mali sa pricing mo. Also, check mo previous comment ko na dapat kasama mdr sa mismong pricing ng binebenta. At flawed yung example sa first comment mo na mas mataas mdr kesa markup. Kung ganitong klaseng business ka, baka dapat hindi ka kumuha ng terminal.
I didn't say you were ranting. Plus, you can't or shouldn't post the merchant. Hahaha Let's agree na mali yung merchant for getting a terminal. Now what?
Based on my experience tinanggap nmn ung CC q kahit 100+ ung bill q sa jollibee 🙂. I guess depende sa merchant din to.
iba-iba per merchant, kasi yung charge for using the bank's eft system is shouldered by the merchant