Got Charged 2% Credit Card Surcharge for Using Savings

Thenarrator on 14/01/2016 - 22:09
Last edited 15/01/2016 - 09:43 by 1 other user

So tonight i went on a celebratory dinner at a particular resturant which I wont name and shame. The food was good, the customer service was average, the check out was poor.

So I walked to the counter to pay my $100 bill (say), the staff asked me "are you paying credit or savings?". I saw the sign that says "2% surcharge for credit card" so I replied "Savings" and handed her my debit card. She then typed in the amount: $100 into the eftpos/credit machine thing and she was about to swipe my card. I then said "paypass thanks". She then pressed some buttons to reset it and adjusted the amount to $102 into the eftpos/credit machine thing. When I saw that, i was about to ask why 102 but she was too quick for me and immediately waved my card over the machine. Beep and the transactions gone through…. her swift hands doe… Normally, I would have argued it but somehow, a random magical force in someway has stopped me- namely my ego. Knowing it was a celebratory dinner, I wouldnt want to ruin the vibe and cause a scene. So i just asked her "why is it $102?". She replied "yeah, for some customers, although they say they pay using savings, it sometimes turns out to be a credit card when they use pay pass. we can only be sure when they swipe it or insert it", which to me means just means "yeah I just wana charge you 2 bucks to cover my ass"…. Heck if I had known, I would have swiped it or insert it. Make f*ck all difference to me..

I know I said I wont name and shame.. but f*ck it, it's called boly hasil inside shark hotel on Liverpool Street Sydney.

PS. Swap the first 2 letters of the words.

The more you know…

Financial

Comments

  • CheapandUsed on 14/01/2016 - 22:12
    +23

    "I then said "paypass thanks"."

    I think this was your error sorry. Paypass only works on credit transactions. For Eftpos you need to either swipe the card or insert the chip and select either CHQ or SAV on the keypad.

      • CheapandUsed on 14/01/2016 - 22:21
        +6

        No, if you do any paypass or paywave transactions it will only work on credit.

        It does get confusing when there are all those visa debit cards linked to your savings accounts though.

        I normally try to avoid surcharges too, and have been caught out a few times just doing paypass when I could have done savings (on the same card) and avoided the surcharge.

        • Thenarrator on 14/01/2016 - 22:30
          -4

          I… did not know that.. good to know im not the only one.

  • shanakatak on 14/01/2016 - 22:12
    +4

    PayPass is always processed as credit.
    Also isnt the limit for PayPass only $100?

    • Thenarrator on 14/01/2016 - 22:13
      -4

      yeah it was under $100, I just said 100 for sake of this post

    • dantione on 25/02/2016 - 11:28

      you can also paypass then pin for >$100 to save you inserting

      • Neoika on 25/02/2016 - 19:18

        Yeah,I have seen people doing this,but for ING Direct card,you won't get 2% cashback.

  • nocure on 14/01/2016 - 22:12

    All over $2…

    • Thenarrator on 14/01/2016 - 22:13
      -1

      youre not a true ozbargainer

      • nocure on 14/01/2016 - 22:19
        +5

        My orange T-shirt says different 😜

  • IceCreamBandit on 14/01/2016 - 22:20
    +1

    Savings = Insert/Swipe and PIN.

    PayWave/PayPass = Tap and No PIN under $100, Tap and PIN over $100. Credit is automatically chosen (Source)

    • IceCreamBandit on 14/01/2016 - 23:26
      +8

      You might want to read up on the features of products and services you sign up to before using it, especially if it is money related…

        • IceCreamBandit on 15/01/2016 - 08:12
          +7

          No idea how that advice was offensive. Obviously you didn't think to do that otherwise you wouldn't be here with that kind of comment!

          No need to be someone who signs up to something that takes their money without any understanding of how any of it actually works.

          Why don't you read up on how PayPass/PayWave works? The documentation that came with your card will explain everything.

          Hope the neg makes you feel better.

      • Typical16-bitEnjoyer on 15/01/2016 - 08:39
        +2

        IceCreamBandit has a pretty valid point.

        Will avoid future posts like

        "Why have I been charged interest?"
        "Why do I have a yearly fee?"
        "Why have I been charged an overdraw fee?"

    • retiredfeline on 14/01/2016 - 23:29
      +1

      Means it's processed via the credit system as opposed to EFTPOS.

    • Settero on 14/01/2016 - 23:29
      +2

      its charged as credit, the credit limit is whatever you have in the savings account.
      they kinda explain this when you get the card/sign up…

      • CheapskateQueen on 15/01/2016 - 08:06
        -1

        i will follow this up today but i assume there's a difference between "charged as credit"and the card actually being/having credit in the colloquial sense i.e like a credit card. i haven't actually applied for credit with the card and that was/is what i got confused about about from the statement.

        FYI there's a way to offer information without being rude and catty. Just turned me off OB

        • IceCreamBandit on 15/01/2016 - 08:19
          +6

          Where in Settero's comment was there anything rude and catty?

          They just explained how everything works because you didn't know and you've taken that as an attack?

          Don't want to be offended by answers when you have (seemingly) stupid questions/comments? Read up on it before you comment!

        • CheapskateQueen on 15/01/2016 - 08:23

          @IceCreamBandit:

          my comment re catty wasn't specific to Settero. I didn't see the need for a separate comment to say that. Perhaps i should have.

          How is my question stupid? Am I not allowed to be confused between "being treated like credit"when they charge the card and actually "having credit"which i didn't think i had for this card?

          I don't/didn't see anything in the TCs about my card being treated as credit. Even if i missed it, i was asking a question.

          Anyways, whatever.

        • chill on 15/01/2016 - 08:41

          @CheapskateQueen:

          How is my question stupid?

          Well if you look at your bright orange ING card you will notice it has the VISA logo on the bottom right.

          so then you can do some wiki reading

          https://en.wikipedia.org/wiki/Visa_Inc.

          and you will see the debate goes back a long way

          Debit card swipe fees - Visa settled a 1996 antitrust lawsuit brought by a class of U.S. merchants, including Wal-Mart, for billions of dollars in 2003. Over 4 million class members were represented by the plaintiffs. According to a website associated with the suit,[46] Visa and MasterCard settled the plaintiffs' claims for a total of $3.05 billion. Visa's share of this settlement is reported to have been the larger.

          More recently in Australia - http://www.lifehacker.com.au/2010/05/woolworths-debit-cards-…

          Using a debit Visa or MasterCard gives you the flexibility of using a credit card while spending your own money.

          Now thanks to the continuing ignorance of the consumer Woolworths reversed its policy and now has had to scrap frequent flyer points, meaning the clever people like me miss out.

  • 2ForTheMoney on 14/01/2016 - 23:23
    +2

    Paywave/Paypass is not savings.

    • samcro on 15/01/2016 - 12:28

      Well, it is if using a Visa/Mastercard DEBIT card. It's just processed thru the CC system but uses your own funds. I only use it if there's no surcharge.

  • Thenarrator on 14/01/2016 - 23:39
    -4

    ok so i guess it seems everyone is on common grounds to agree that paywave is credit.. cool.. learnt something new.. but mate the staff could have definitely warned me about it before waving… I said savings first then i said credit, if i were the staff, I would have definitely asked the customer to clarify..

    I'm just gona leave it at that for now before the neg hype train comes steaming through.. ciao

    • [Deactivated] on 15/01/2016 - 01:18
      +1

      Bye bye.

    • mskeggs on 15/01/2016 - 09:22
      +1

      The staff asked you, you replied, then you changed your mind. They processed your transaction as swiftly as they could.
      This is good service.
      You did not know that the service you requested used the credit card processing channel instead of savings. It has cost you less than $2 and a bit of internet down voting to learn the correct info.

  • rigby75 on 15/01/2016 - 07:35
    +3

    Paywave and paypass one is owned by Mastercard the other visa, not sure which is which. As the transaction is processed by a credit card company it is considered a credit transaction no matter what account it comes from.

  • Davros on 15/01/2016 - 08:17

    Good article here, look what those thieving cab co's charge for using ANY card
    https://mozo.com.au/blog/2014/08/tap-go-fee-trap-paywave-pay…

  • DarkOz on 15/01/2016 - 08:59

    PayPass/PayWave/Tap is set to credit by default. The merchant has no control over it and the merchant will have to pay a fee for credit card transaction accordingly. It might eventually come from the savings/cheque account on the customer's side but it doesn't change what happens on the merchant side.

  • CheapskateQueen on 15/01/2016 - 09:20

    You're all right. I'm wrong. The end.

  • lost69 on 15/01/2016 - 09:32

    You should have paid with a fat green $100 then walked out like a boss not with a peasant debit card.

  • modsec802 on 15/01/2016 - 10:26
    +1

    The OP spent less than $100 including the surcharge (otherwise PayPass wouldn't have worked without a PIN) so, the surcharge was less than $2, so suck it up.

    If the bill was say $50 it would have been $1. Wow.

    • Deridas on 15/01/2016 - 12:34

      Juicedpixels, $1 is still money. We're ozbargainers… I can buy a fraction of an eneloop with that…

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