ALDI charging surcharge for tap and go or Paywave?

  1. Aldi charging surcharge on pay wave or tap and go
    Did anyone questioned why ?I questioned and got unsatisfying answer “ this is our policy and cannot do much “
    Other grocers don’t do that . What Aldi is doing It is rip off…

  2. Also They rush you to pack stuff at billing . They asked me to dump everything in to trolley and pack in to your bags separately later .Or else they get annoyed and show resentment .

Where as grocers like Wooly’s Supabarn and Coles assist us to pack and being friendly .
I am concerned about our senior citizens how would they feel

  1. I heard claims that Many overseas companies like all dee don’t pay much corporate tax claiming loses or something like that ? Basically their head quarter are located in tax heaven countries and they move profits and capitals to their headquarter countries and spend very less Nothing in the country they earn .It it’s is true then they are not supporting our economy . If anyone knows any info please share .

Related Stores

ALDI
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Comments

  • +39

    They charge card surcharge irrespective of whether you tap and go or insert/swipe the card.

    What's new here?

    • +149

      For Debit Mastercard/Visa, you insert the card and pick cheque/savings in order to avoid the credit card surcharge.

      Not sure why OP is complaining as we all know ALDI do things differently to the main grocery players. Don't like it? Shop elsewhere

      Also, it's Woolies, not Wooly's.

      • +74

        Also, it's Woolies, not Wooly's.

        It's actually spelt Safeway.

        • +51

          Only if you're Victorian and can't get over the fact that it's now Woolworths/Woolies there as well …

          • +15

            @kerfuffle: I fit into this category

          • +23

            @kerfuffle: (profanity) off mate. Come meet me at Spencer Street station

          • +3

            @kerfuffle: Say that TO MY FACE!

          • +1

            @kerfuffle: Lol. I made the comment above as a neg magnet (gotta help scotty push that Pro membership perk for more begs).

            Looks like the resistance is truly alive!

        • +18

          Countdown

        • +5

          Not in tax heaven

        • As in the UK

        • +1

          OP could always go to Tuckerbag

        • Countdown for Kiwi's

      • +33

        Just like the poster above the small surcharge seems pedantic.

        It almost seems like the option to pay by EFTPOS which surcharge-free is designed to be more difficult to access in order for the financial system to 'clip the ticket' on a majority of Aldi transactions.

        The 0.5% surcharge adds $265,000,000.00 directly to the bottom line on Aldi's $53 billion worldwide annual turnover. Obviously it is still a substantial sum if only half of customers choose the default option.

        The German retailer has their own unique system and have conducted time-and-motion studies on every aspect of their business. I don't expect anything to change short of an economic incentive or another war.

        If everyone saved the surcharge, slowed the checkout process, and the checkout KPI's fell, the surcharge would have a very short life - there would probably be a short shame based PR campaign before capitulation by the retailer - but it will never happen.

        And as for the snide 'Don't like it? shop elsewhere' comment, retailers are bound by legislation supposedly for the common good. Aldi has already been investigated by consumer affairs over their surcharge practices and it seems that they are choosing to provide the minimum required level of compliance with the current legislation https://www.lifehacker.com.au/2014/08/sneaky-aldi-charges-remind-us-to-always-check-credit-card-fees..

        Yes I know my grammar is bad too but ir is a forum not an exam. We had a period in Australia where grammar was not taught in schools because it was deemed discriminatory to migrants. All decisions have consequences and besides if my parent's didn't like it they could have educated me elsewhere.

        Don't listen to the grammar police, I understood you perfectly. You're not expected to know that aussie slang usually uses 'ie' and 'o' to shorten words https://insiderguides.com.au/essential-aussie-slang-internat....

        The use if ie has a long history apparently https://english.stackexchange.com/questions/263791/thingy-or....

        By the way OP I like your style 'tax heaven' yep about sums it up.

        Yep I know there will be criticism on the wall of text of this post but OP I think the comments are harsh and wish you well.

        • +25

          'it is a forum, not an exam.'

        • +1

          retailers are bound by legislation supposedly for the common good

          Have you got a link to this legislation?

        • +6

          Voted up, because everyone should be free to express their opinion when thought out and considered. We all make typos or grammar mistakes even when "educated". Not necessarily agreeing with you or the OP.

          Frankly the comment about packing by the OP is ridiculous. It has another purpose, it means the lines are faster. Going to Coles or Woolies (or Woolys 😀) the time wasted while the Checkout person, unfolds various size bags dumped on the conveyor belt, before having to pack each one with different sizes etc just slows down for those waiting behind.

          Aldi also has big bar codes on each item, they scan fast. Meanwhile sometimes at the other stores they have to swipe 2 or 3 times to have it register.

          I shop at both, each have their benefits. Like locally a bread stick at Coles is very dry, while Woolies is great, while the opposite is true for the bread rolls. So I traverse the mall and get what I like from each store. When I dont have time I suck it up and buy both at the one store.

          As for Aldi I avoid the bread completely.

        • +31

          The 0.5% surcharge adds $265,000,000.00 directly to the bottom line on Aldi's $53 billion worldwide annual turnover.

          You think the surcharge is a money grab by Aldi? Who do you think actually charges this surcharge?

          Aldi made the decision to pass those charges on to consumers in order to offer cheaper prices.

          You're the type of person that would screw down a salesman on price, and then wonder why the company returns the favour when you need warranty!

          there would probably be a short shame based PR campaign before capitulation by the retailer

          And an increase in prices. Well done to you!!

          • +14

            @photonbuddy: Yep, plenty of businesses pass on the charge if paying a certain way to cover the banks surcharge. They don't actually make money from this. Coles and Woolworths simply build this charge into product pricing.
            The ACCC allows any business to pass on the fee as long as it's in line with the real charge, and this is.
            Many telcos charge this when paying your bill, airlines charge this. As long as they offer you a payment method to avoid paying a surcharge and clearly state the fee, it's completely above board. Not sure why this is such a big deal?

            • +3

              @DisabledUser110907: Hi, I agree @simmomelb and @photobuddy and don't want to belabour this as is it is small amount on everyday transactions. However it is a big issue at a macro level as the banking system defaults to the VISA/MASTERCARD network over EFTPOS and this amounts to an EXTRA $500 Million non-productive cost annually - born by retailers and eventually consumers.

              Amazing how a lot of small transactions add up to real money

              The RBA, Australian Productivity Commission and Retailers are pushing for 'Least Cost Routing' and we will all benefit rather than just an oligopoly of banks with an exclusive franchise agreement with the merchant providers. OP tapped into a huge scam. Dropped some references below

              I think I will leave it here as this feels done now.

              https://www.pc.gov.au/__data/assets/pdf_file/0003/226668/sub...
              https://www.afr.com/companies/retail/retailers-unite-to-figh...
              https://www.rba.gov.au/payments-and-infrastructure/debit-car...).

              • +3

                @elixe: Does it really 'default to' credit card?
                Only credit cards have Paywave so if you Paywave that's naturally what you get.
                If you insert the card you must choose - there's no default option.

                • +2

                  @bmerigan: Coles sends contactless payments for debit cards through EFTPOS.

                  • +2

                    @gregsurname: Are you sure about that?

                    I remember when they first introduced it, part of the sell was that it would go through the credit card system, therefore buyer protection from fraud.

                    Further to that, I know from a couple of times I've tried getting cash out from self-serve at Coles, I've absent mindedly tapped instead of inserted and it's skipped the cash out option.

                  • +2

                    @gregsurname: Sorry, found the answer myself. That's cool. Didn't know this was a thing:

                    https://www.eftposaustralia.com.au/industry/acquirers/produc...

                • -1

                  @bmerigan: Last time I went to Aldi I used my contactless debit card (CommBank). I just checked my bank account and it seems that no surcharge has been applied.

                  • @trongy: If there is it would be printed on the docket - it's not added later.

                  • +2

                    @trongy: LOL

                    Surcharge is shown on reciept, not your account. The account is charged the total (after any surcharge ).

                  • +1

                    @trongy: Surcharge is applied at the terminal for Aldi so you need to check the receipt not your statement. It's not a bank fee in the same way as foreign exchange or out of network ATMs are.

                • +2

                  @bmerigan:

                  Only credit cards have Paywave so if you Paywave that's naturally what you get.

                  Not true, debit cards also have it. ANZ Access accounts do have an EFTPOS-only Paywave card too, see here (although it seems to be limited in who can actually get one of these cards, I can only get a Visa Debit card with mine)

                  If I use my actual Visa Debit card to paywave something, it will default to Credit. But if I use it in Apple Pay, I can choose whether it goes through Credit or Savings: https://i.imgur.com/49JmZkJ.jpg

                  • +1

                    @MitchyD1989: FYI: In my statement I consider a Visa debit card to be a credit card. Because it's a Visa.

                    • +1

                      @bmerigan: True, not arguing that part. Just pointing out the fact that ANZ has a Paywave card that isn't a credit/Visa debit card, and that Apple Pay lets you have contactless payments go through Savings instead of Credit if you choose to do so.

              • +1

                @elixe: The merchant fees reminded me of this interesting Economics Explained video that I watched recently
                https://www.youtube.com/watch?v=7XtafuTCWQ0

            • +3

              @DisabledUser110907: Woolworths and Coles built their own EFTPOS and credit card switch and no longer go through the normal channels like the banks. Their actual cost is likely to be a lot less than ALDI's Merchant Service fees. Rather than advertise this they just incorporate it into their pricing.

              Pretty simple maths here overall though. If the price plus the fee is still a shitload cheaper than Coles and Woolworths you are miles in front at ALDI. Add to this that the general quality of comparable products is much better at ALDI (IMHO) and you are even further in front.

          • +2

            @photonbuddy: As a former retailer myself I am sure they only charge the fee because most customers don't realise they are paying it, so it's an easy way to make extra profit for doing nothing.

            'Passing on the cost' just makes no sense, as it costs them a lot lot more than 0.5% to process cash which is the alternative. The banks charge a lot more than 0.5% to deposit cash, the cost of cash in transit pickups is significant plus the time of staff counting and security risk, also you pay substantially more than 0.5% to order coins to give back as change as well as having to pay for that to be delivered to each store.

            Regardless, the card surcharge should have been dropped with COVID when contactless was encouraged.

            • @Webber000:

              As a former retailer myself I am sure they only charge the fee because most customers don't realise they are paying it,

              Aldi has a clearly printed notice of the fee attached to the terminal where you swipe.

        • you saying aldi pays there merchant zero fees??
          assuming you would ofcourse know every transaction has fees charged by the merchant bank…

        • -2

          Thanks for your comments
          Sorry ! My apologies groups I Spelt “ Woolies” As wooly’s .
          I got it Right now thanks

          Everyone has their opinion
          I respect that

          Obviously we have a choice to shop wherever we want to

          how Aldi Business is Not my concern but dollars we spend is no different for every customer and there should be a fairness to customers

          Have you ever noticed how Smart is Aldi with their products , some products packaging looks exact copycat except little changes to its name or size obviously can deceive customers .

          I am not against Aldi , I do shop at Aldi . I like their products too but there must be some honesty

          • +12

            @Royalmarker59: That's their whole business model.. knock off copy products for less, besides a few egit brands.

            Get you through the checkouts ASAP, pay for surcharges, don't pack your bags for you, make you pay for trolleys (unless you bring it back, which reduces trolley pusher employees and stolen/lost/damaged trolleys).

            If you want a 'premium' shopping experience, go to Coles or Woolworths.

            • +2

              @Rev0lt: not even knock-off necessarily
              a lot of their products are white label products made by branded manufacturers - and therefore can have very similar packaging designs to the branded products

              • @Love a bargain: This ^. It's mostly white labeled products specifically for ALDI - they look the same and get away with it because they come from the same supplier so the customer knows, but different enough that they don't devalue their original brand that is sold at a higher price through other channels. ALDI wins, the supplier wins, customers win - it's great.

            • -1

              @Rev0lt: The joke is, that since covid, Coles and Woolies have you packing your own bags, because, somehow, it puts their workers at risk! So you're not even getting that service with your "extra expensive everything!"

          • +4

            @Royalmarker59: Where's the dishonesty? Your all pain to see for anyone if they choose to look.

            You want to talk about honesty.
            Think back not to long ago if at all possible to another giant supermarket chain that promised to pass on so many cents from milk sales to the dairy farmers that somehow forgot to do just that until they were pulled up for it.

            • -2

              @mrhashish: True
              I am not denying

              In the Sanskrit there is a saying Business is all about Cheating? Even our ancestors were of the aware that the businesses could also be means of unethical conduct and its only purport is to make profit

              • +3

                @Royalmarker59:

                In the Sanskrit there is a saying Business is all about Cheating? Even our ancestors were of the aware that the businesses could also be means of unethical conduct and its only purport is to make profit

                What kind of Babelfish-esque gobbledygook is this? Even ignoring the poor English, what relevance do ancient texts have on modern business practices? We might as well live by the Code of Hammurabi.

          • +10

            @Royalmarker59:

            I like their products too but there must be some honesty

            Every Aldi I have been to has massive signs detailing the fee.

            Also They rush you to pack stuff at billing . They asked me to dump everything in to trolley and pack in to your bags separately later .Or else they get annoyed and show resentment .

            So do what they suggest, or shop elsewhere. This is a bargain supermarket. I don't go to McDonalds and expect crystal glasses and gold cutlery. And I don't expect chats and slow checkout processes at Aldi.

            Other grocers don’t do that . What Aldi is doing It is rip off…

            What other grocers are doing is charging substantially more, which gives them ability to take longer packing your bags and allows them to "hide" the credit card surcharge fees (to be clear - with Coles and Woolworths you are paying that fee you just can't see it).

            I am concerned about our senior citizens how would they feel

            I have never seen Aldi stuff rush those that can't be reasonably rushed (e.g. senior citizens).

          • +1

            @Royalmarker59: Ah my freaking eyes!

        • +1

          Aldi don't charge this in all overseas countries, so your calculations are wrong. If you don't like it, pay via EFTPOS of cash. Many other businesses pass on this surcharge in Australia as well. If all businesses took this stance and people stopped blindly tapping, then the card providers would lower their fees.

        • +2

          The 0.5% surcharge adds $265,000,000.00 directly to the bottom line on Aldi's $53 billion worldwide annual turnover.

          Nice try but:

          1. 0.5% mostly goes to the bank or processing institution.

          2. Worldwide turnover does not mean all comes from little Australian market where the 0.5% applies.

          A bit surprised about this post.

          I thought by now all anti Aldi customers are buying somewhere else. Cannot see the logic for complaining.

          • +1

            @LFO: They've undercut some ColesWorth prices by once or twice,

            I'd rather they came with a proper website instead. >:(

        • -1

          @elixe. Yes it does add to Aldi profit! The bank fees are also a deduction for businesses and yet a lot of them charge extra for using paywave/eft.

        • The 0.5% surcharge adds $265,000,000.00 directly to the bottom line on Aldi's $53 billion worldwide annual turnover. Obviously it is still a substantial sum if only half of customers choose the default option.

          That is shocking but also, smart way to get some money

      • -1

        also plus vote 51 for kerfuffle and plus vote 15, for tshow, interesting

      • Some banks let you choose Eftpos as the payment method for mobile wallet debit cards as well.

      • -1

        sorry to inform you,but you are wrong,you have on the machine and at Aldi you only get no fees if you press SAVINGS, Aldi charges fees on DEBIT AND CREDIT CARDS,where the ripoff is both Saving and Debit cards you can only spend what amount of money you have in your account and with your Credit Card you do not have a savings account to save your money in so you are BORROWING money which creats a fee,their system regonises ALL cards as Credit Cards on the Tap N go,use swipe and savings button, to save those fees, cheers

        • Sorry to inform you, however you’re wrong. I’ve used my Debit Mastercard at Aldi and avoided the surcharge by inserting my card into the machine and pressing Cheque, instead of using Paypass.

          Do some research and read comments properly before accusing others of being wrong; cheers

          • -1

            @kerfuffle: Hi Kerfuffle,I did not mention that I have a VISA DEBIT CARD not a Mastercard,(my bad) and I live in the A.C.T the Aldi store in my suburb CHARGES CREDIT CARD FEES if I use TAP N GO on ALL cards,by selecting debit or savings by pin entry no fees are charged only by using "credit" credit card fees are added,I repeat,by using TAPnGO All cards are charged credit card fees,I also add that all other stores in the mall do not charge fees except CREDIT CARDS,

            Simple deduction is,you are only requested to pay fees etc if you borrow money to pay for your purchases,Credit cards are the only cards that allows you to borrow,all other cards you are only paying direct payment from your own available funds you already possess and you do not charge yourself for the fees,do you?

            Kerfuffle,I also looked up the defination of the word<kerfuffle> and please accept my apologies as as I was not aware of your difficulties of understanding.

            • @eggles01: But Kerfuffle said you have to INSERT the card. I always do this and do not get charged.

    • +1

      They do not charge a surcharge for debt card using a pin only tap and pay.
      If you have just worked out they do for tap sales you must have been under a rock since they first opened

    • They always have

    • -1

      A Debit Card is only a fancy name for the old Efpost Card,on the insert/swipe you have listed-Credit-Debit-Savings,with the Debit and Savings you can only purchase item with the money you have in your account,Credit Cards are the opposite because when you use them you are BORROWING money which means there is also a transaction from Aldi to the bank,take the small amout of time and swipe your card and push THE SAVING BUTTON and you will not get any credit card or any other fees

    • +1

      Wrong. Aldi only charge you a merchant fee if you charge your purchase using the "credit" function on the card either via tap&go, or inserting the card. However, if you insert the card and select to pay via debiting your cheque a/c or savings account, then Aldi do not charge their 0.50% fee. Fair enough.

    • +2

      is that right? they told me u get a surcharge if you tap and go but if you insert and use PIN etc, then they dont. I thought that had been the case for years so i always insert it at aldi's.

      • If it runs through Mastercard or Visa then it charges you, even if you insert it. So if you use a visa debit card and select credit (or tap the card), then you get charged. If you use the savings/check option then it shouldn't add the surcharge.

  • +43

    It’s a low cost supermarket, you want to take ages packing your bags at the checkout go to Coles/woolies

    • -10

      what is your point? if aldi had self-checkout registers, they would have saved on employee costs, wouldn't they? and who prefers aldi over colesworth just because of packing duration?

      • +12

        if aldi had self-checkout registers, they would have saved on employee costs, wouldn't they?

        How about their increased loss due to more shoplifting and theft in that case?

        • I reckon #2 supports #1 in the O.P; they could pack-rush you to use the Tap&go.

          But I will still take my sweet ass time to pack properly, what they gonna do 👀

      • +4

        In addition to baldur's point, there is also the space requirement for self-service.

        I'm sure Aldi have put in the research to come to the outcome that having a small number of production line checkouts is the most efficient and cost effective option.

    • -6

      I never use a trolley just my own bags so if the operator is too fast they have to wait for me. I've never had them be annoyed about this, their line not moving fast has no real bearing on their day as they get paid the same rate for the hours they're scheduled. Plenty of times I've waited for useless people who forget how to pay for things or where their money/cards are located in their bag. It's just life I guess.

      • +20

        It absolutely does have a bearing on them, as the system times what their actual scanning rate and they need to keep above a certain level. If they drop below it then they face performance reviews etc.

        If they've never said anything to you then they're just being nice (or you're quick at packing so it's not a big deal). I've seen plenty of them ask the person to stop packing their shopping and do it on the bench.

        The entire system is designed to make the checkout process as quick as possible and so keep the prices down (quicker checkout = less staff = less space wasted on additional lanes). If you don't agree with that then you really should just go elsewhere instead of imposing your own system on them.

        It works much better in Europe. I don't know why some Australians find it so difficult to follow basic instructions and instead choose to do whatever they want!

        • +14

          I don't know why some Australians find it so difficult to follow basic instructions and instead choose to do whatever they want!

          Entitlement.

        • their lives are taken for granted and they don't bother using their brains most of the time.

      • +8

        You are the worst customer to be behind.

      • +4

        I never use a trolley just my own bags so if the operator is too fast they have to wait for me. I've never had them be annoyed about this

        Golf clap. Maybe they're being polite?

        their line not moving fast has no real bearing on their day as they get paid the same rate for the hours they're scheduled.

        Spoken like someone who's never worked a service job. You ever see Aldi opening and closing lanes? It's because their staff re-stock shelves, clean, etc., and only man registers as-needed. Taking longer at the register to serve the same number of people = less time for other tasks that must be done, meaning they or their co-workers will have to pick up the slack, during or after the shift.

    • +4

      Don’t bring logic into this argument.

    • -22

      I take my time as I please.
      If they ever want to verbalize their disdain I'm happy to verbalize my ability to leave my groceries where they are and go elsewhere.
      Fortunately it has never come to this

      • +12

        I take my time as I please.

        What a selfish attitude. Do you behave this way in other contexts? Do you take your sweet time at the ticket gate in peak hour? Or in the ATM queue? Or have a long think about what want when you reach the front of the bar? Being efficient is a common courtesy.

        • -6

          Nope.
          But at the same time I would be happy to wait for the person in front of me. I work long hours and value my time just as anyone else, so when it's my turn to pack my bags I'll do it once and I'll do it properly, rather than throwing everything in the bag to then repack and possibly break fragile items in the process.

          Have spoken to many people who feel anxious due to the 'pressure' at the Aldi checkouts, whereas I don't. I just don't buy in to the 'stress' Save that for the 9 to 5.

          Although the staff scan fast, as I previously mentioned, they've not ever complained.

          • +8

            @tensionday: Intelligent placement of items on the conveyor belt goes a long way to being able to pack bags properly and with great efficiency. This can be achieved at ALDI because you generally have a lot of surplus time to coordinate your items while waiting for the preceding customer to be processed by the checkout staff member.

          • +4

            @tensionday:

            But at the same time I would be happy to wait for the person in front of me.

            That's all well and good, but you must also respect the fact that other people may be more time-sensitive. If you take your time 'as you please,' that potentially inconveniences everyone behind you.

            so when it's my turn to pack my bags I'll do it once and I'll do it properly, rather than throwing everything in the bag to then repack

            That's what the long benches are for. You place scanned items quickly in the trolley, then bag them properly after payment, so you don't hold up other people at the register. It's why Aldi sells those trolley bags. I've never broken anything this way.

            Although the staff scan fast, as I previously mentioned, they've not ever complained.

            Maybe they're being polite. Knowing little that you'll dump your groceries on the belt like a child if they say otherwise.

    • -5

      Reasonably Yes but not every products though . Low cost doesn’t mean we have to be ripped off

      • +2

        Low cost doesn’t mean we have to be ripped off

        Absolutely. Low cost means that other supermarkets are ripping us off.

  • +71

    Payment explanation is on their website https://www.aldi.com.au/en/about-aldi/customer-information/p...

    They asked me to dump everything in to trolley and pack in to your bags separately later .

    They are allowed to run their store how they like. If you don't like it, don't shop there. For the sake of other shoppers please stop shopping there. You sound very inconsiderate.

    • -30

      Karen?

      • +13

        literally the opposite

        • +1

          neraK ???

          Wot?

    • I do like Aldi and do shop . This forum
      Is not to hurt anyone’s sentiments . Just a discussion to learn more about what we do at Aldi

      Just to discuss
      Is it right or wrong ?

      • +3

        Is it right or wrong ?

        Neither!
        Is the policy the provider chooses to apply.

        Is it right or wrong to give Fly Buys points?
        Promoting expenditure. Rewarding consumerism.

        Is the way it is with customers having the choice to take it or not.

  • +22

    I feel like someone should remind the OP that it's 2020 not 2001 (when Aldi first came to Australia). Stop complaining about packing your own bags or go elsewhere. Sheesh…

    • +2

      I could be wrong but I don’t think OP is complaining about packing his own bags. It’s the attitude of the staff that OP is not happy about. I’ve also wondered why staff stand there and watch you pack your goods into your own bag. Wouldn’t it be quicker if they helped you pack into your bags?

      • +2

        It's probably a technique to try and get you to hurry up or move away as you're holding up the entire queue and wasting their time. Most people tend to feel uncomfortable if they're being stared at!

        • +1

          Sie German god is one of r&d and efficiency.

        • +2

          It's probably a technique to try and get you to hurry up or move away

          Considering they have a whole bench opposite the checkouts for you to pack your bags, I'd say so.

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