Shots shots shots (thelemmy.club)
submitted 2 days ago* (last edited 2 days ago) by to c/microblogmemes@lemmy.world
 

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[–] 3 points 22 hours ago

I don’t have self control so a $10 minimum would Be farthest from my problem. All the other stuff is my issue

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  • [–] 129 points 2 days ago* (21 children)

    Years ago, when imposing a minimum credit card purchase was not allowed, I had the following exchange:

    Me: I’d like to order a second beer.
    Bartender: Sorry, we’ve already called last call.
    Me: Okay, I’ll just close out my tab then. Here’s my credit card.
    Bartender: You’ve only have the one beer, and we have a ten dollar minimum for credit card purchases.
    Me: Cool, I’ll have that second beer then.
    Bartender: But we’ve called last call.
    Me: ….
    Me: Listen, you can pour me a second beer and I’ll meet your minimum. Or you can ring me up for the one I had. Your choice. The alternative is I just leave.

    They rang me up for one.

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  • [–] 18 points 2 days ago (4 children)

    I think that can put them in an off spot legally, depending on their local liquor board. I understand the bartenders reluctance.

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  • [–] 14 points 2 days ago (3 children)

    Not really. I’ve bartended (and managed bartenders) in this state for twenty years. The only binding thing is the 2am cutoff, and that means no one is allowed to have ANY alcohol at 2am. For that reason, most places call last call 15–30 minutes before 2. Nothing out of the norm there, but he absolutely could have sold me one more beer at 1:40 saying that it has to be finished by 1:59.

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  • [–] 5 points 2 days ago (6 children)

    If imposing a minimum credit card purchase was not allowed, how could they impose a ten dollar minimum for credit card purchases??

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  • [–] 2 points 22 hours ago

    Credit card minimums are a local business thing. Every credit card transaction costs the business either ~3% of the total, or some minimum amount of it's below a certain number.

    Ten dollar minimum just means that they don't make enough profit on a sale smaller than ten to be worth it given the minimum charge per transaction.

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    [–] 66 points 2 days ago (33 children)

    Am I too European to understand this? This minimum shit is stupid and should be illegal

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  • [–] 64 points 2 days ago (1 child)

    Visa and Mastercard are horrible companies. For smaller businesses.

    1. If your transaction numbers are low they charge a flat + percentage So like 0.55 EUR + 1.2%. Stores in this tier generally try and keep a minimum spend, because you buy 1 EUR and mastercard charges 56c. From 44c you have to pay for product and make a profit. It's stupid.

    2. You can opt for plans that don't have flat fee, so it's like 2.25% percentage only. Useful if you move a lot of small value items like a small convinience store.

    3. But if you're a chain of convinience like SPAR, they can get custom deals. SPAR had a tiered deal, transactions below 1 EUR, they charge 0.4%, below 4 EUR it was 0.9%, below 10 EUR 1.5% and, above 1.9% This would never be possible for smaller shops.

    4. Every transaction enriches some foreign country as they take the cut. Homegrown system like wero should be dominant, cheap and stays in local economy.

    Also I'd like to note, I've been out of touch of Europe for a while so my opinions and knowledge might be dated, but this is solved problem in ASIA, PayNow, Prompt Pay, UPI etc exist and are fantastic solutions for small businesses.

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  • [–] 20 points 2 days ago (12 children)

    It isn’t illegal, but it’s against the TOS for every major cc company. If you see this shit you should report it.

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  • [–] 10 points 2 days ago (2 children)

    $10 is the amount generally outlined as the acceptable minimum. What information are you relying on? Can you provide a source for that?

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  • [–] 17 points 2 days ago (1 child)

    Visa/Mastercard rules say that you can't refuse to accept payment with credit cards if you accept them in general. They are pretty adamant about that rule and even have secret shoppers to confirm such cases. The 10$ minimum is only allowed in the US and territories, the rest of the world does not have this exception (https://www.visa.com/en-us/support/visa-rules#6153bdb1)

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  • The post is in English and using $ specifically, so I'm unsure why they said it's against TOS. I get that the commenter was European, but they were basically asking if this was a legit thing that they didn't know because they aren't from here. They didn't ask "is this true in Europe", so I feel like it's misleading to suggest it's against TOS unless you're specifically suggesting "for Europe it's against TOS but it's fine in the US".

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  • [–] 3 points 2 days ago* (1 child)

    It’s against the credit card company tos because the credit card companies want to force small businesses to lose money on small transactions or not have the option to take cards.

    So ratting to Visa helps Visa and hurts the small business. Great job! With friends like you who needs enemies! Just bring fucking cash ffs.

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  • [–] 13 points 2 days ago (7 children)

    ? I encounter this in Europe regularly.

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  • [–] 12 points 2 days ago

    There are european countries that have made the practice illegal.
    There are countries that said you should always, without extra costs, allow digital payment.
    Funny enough, they bypassed cards then and went for things like payconiq, wero, apple pay, google wallet, ... to bypass the costs of card readers haha

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  • [–] 5 points 2 days ago

    Indeed it is in most of Europe, I think.

    I did buy something in a takeaway a few years ago and it was like 20p below the minimum, and I just went "charge 20p extra then" and it seemed to break the other customers minds. Never occurred to them you can do that, rather than asking for an extra £2 of stuff you don't want...

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    [–] 49 points 2 days ago (4 children)

    Just a heads up, you should probably fix your title before someone makes a shota joke.

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    [–] 24 points 2 days ago (16 children)

    Shot glasses are usually pretty small and peanut m&ms are relatively large, $1 for what probably amounts to ~6 m&ms sounds like a rip off.

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  • [–] 24 points 2 days ago (14 children)

    bars are a ripoff. $4 a drink during happy hour, for the cost of one good evening I can just buy a bottle and drink for a week.

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  • [–] 8 points 2 days ago* (last edited 2 days ago) (6 children)

    You're not paying for the booze, you're paying for space and time in that spot. It's so expensive to keep the doors open. All the licencing and insurance. Wages, rent. It all adds up so quickly. I worked at a modest sized place for a few years and got to know the business side of it. It was at least 7k a week through the till to break even.

    Edit: to all the bar haters out there; find a spot without TVs or blaring music. You may be surprised by how nice it can be just chilling and having some drinks. So many bars are just sensory overload. A nice quiet drinking hole is worth its weight in gold.

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    [–] 10 points 2 days ago (3 children)
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