Is it legal for retailers to charge a fee for your debit card purchase if you spend less than $5?
929900
I haven't processed credit card payments for over 10 years, but the rule used to be that you had to accept any charge - even a 25 cent pack of gum.\n\nHowever, I don't believe they had any rules about whether or not the business could have a surcharge to cover their losses on the small transactions.\n\nBusinesses are charged a percentage of total transactions made on credit cards. The percentage is calculated by the average amount of each charge. For example, if your average customer charges $250, you may only pay a fraction of a percent. However, if the average customer charges only $20, you'll pay a higher percentage.\n\nSmall charges lower the average, so the business gets burned on small purchases.\n\nContact your credit card company and ask if they have any policy barring businesses from collecting a surcharge. They won't know unless someone tells them.\n\n.
831257
I am not sure, but I can not imagine that is a law anywhere.\n\nMaybe you have misread, or misheard the rule.  Just a guess, but perhaps it is stated something like, "can not charge over 6 percentages higher than the current rates."
457213
yes, but you have to pay a fee. i don't know how much, but here where i live its $20.00
1050902
you should never pay an activation fee\nthat's a rip off\nyou could take it to your bank and ask their advice on it
439029
When you use a "debit card," you have a choice to pick debit or credit.  If you pick debit, you enter your pin number and the charge is registered immediately from your checking account.  If you pick credit, you will sign the receipt usually, and the charge may take a day or so before it is deducted from your checking account.\nFor sure, do NOT ever pay a fee for using your card such as an ATM.  It is your money so no need to ever waste any.  Watch your pennies.  Usually banks charge no fees from at least their own ATMs.
943550
Its legal tender, theres no way a shop can refuse to take it, as it bears the queens head. They have given you a price for the item, so long as the currency isn't fake, you can pay how you like. If they did refuse, you could probably report them to trading standards or something similar, certainly, you should take your business elsewhere.
885172
In the U.S. your debit card has to have a Visa and/or MasterCard logo. Also In the U.S. and some countries. Some merchants require you to have Address Verification. This is to helps with fraud. So you need to check your address that you use with Amazon and the address that the bank put on your debit card. To see if it is the same. Amazon may require C V V. That is the 3 digits on the back of your card.  Amazon may do what appears to be a double charge. It actually an authorization and the actual purchase done at the same time. So it may look like $18, when it actual $9.00 the extra $9.00 will be remove in about a week. This could cause your card to get denied if you only had $11 in the account.  Your paycheck may have not cleared or you may have gone over your banks daily authorization limit for debit cards.
647627
Keeping in mind I'm not a lawyer.....\n\nAccording the the Uniform Commercial Code banking laws, Article 4 states the following:\n\n§ 4-401.  WHEN BANK MAY CHARGE CUSTOMER'S ACCOUNT.\n\n(a)   A bank may charge against the account of a customer an item  that is properly payable from that account even though the charge creates an overdraft.  An item is properly payable if it is authorized by the customer and is in accordance with any agreement between the customer and bank.\n\n(b)  A customer is not liable for the amount of an overdraft if the customer neither signed the item nor benefited from the proceeds of the item.\n\n\nSo, as I read this, since your wife did authorized the purchase, and did benefit from it, the will be held liable for the cost.  \n\nYeah, it sucks.  But you know bankers.
969559
Hertz, Enterprise, Budget but your debit card must have @ least 300.00 on it.
557888
that's cute.\nyou could submit that to reader's digest for their "life in these United States" seciton and if they use it they will pay a few hundred bucks ( at least that's what the fee was last i looked)!
90665
Actually, you can still dispute any charges on a debit card just as you would a credit card or an ATM transaction.\n\nSome credit cards offer theft protection for purchases.  This service is generally not available to debit card users.\n\nYou can earn points or receive cash back if your credit card has those features.\n\nBut apart from those, there really isn't a big difference between a credit card and a debit card.
769023
Like answerer #1, I have also signed merchant account agreements.  Not sure where all these other peple are getting their answers but from personal experience, they are mistaken.\n\nSo here is your answer...\n\nWhen a company wants to accept credit cards it has to sign a contract agreeing to certain terms and conditions.  So while it is NOT illegal (they cannot go to jail over it) it IS against the terms of a retailers contract to have a minimum charge.\n\nAlso, they are not supposed to give discounts for paying cash, or charge a percentage for the amount you want to charge.\n\nSee an additional source below.
1063956
If they do - change your bank. I've never had a charge for using a debit card. If I withdraw money from ATMs not associated with my bank - then there is a charge. If you use a credit card to withdraw money - you pay a charge and interest from the date of withdrawal. In the UK, it's wise to use a credit card for purchases over £100 because you get legal protection if something goes wrong.
829012
Cash or a debit card only !
967277
The\nNO CHARGE CREDIT CARD   from FREE BANK
22101
Good question because personally, I hate it when they do that and I think most people do as well. (sorry, but it's true...)  I think the reason is because we like to buy but don't like to pay if you know what I mean.  By that time I get to the register, I don't want to take ten minutes to fill out an application for ANOTHER credit card, it just extends the painful paying process.\n\nMy two suggestions:\n\n1) Highlight the 10% discount.  Especially on large purchases, saying something like "this would save you $15.00 off this $150.00 purchase so you'd only end up paying $135.00 for what you have here today."  Don't mention the interest rate if you don't have to.  Like you said, it's in the fine print.  We know we're getting ripped off with store cards.\n\n2) Can you somehow get customers to consider signing up for the card, without being too much of a pest (and all sales people have to somewhat of a pest), before they get to the register?  Maybe offer some candy or a refreshment at a counter with your credit card information in a well-traveled area where a friendly low-pressure sales person is not too far away.\n\nGood selling.
1061534
You need to go to the branch where you made the payment, and you might just have to grease their theiving palms to do it. Natwest used to charge a 5iver