Undeclared 12% (Twelve Not 1.2%) "Card Surcharge" Can I Take Any Legal Action against Them?

As a given, I will never go to this place again for a haircut.

I was told that I had to pay an extra $3 if I wanted to pay by card because "It's how the machine works" which was a standard Commbank Terminal. There was no signage indicating this ~12% surcharge. This happened today, Thursday, where it is not a public holiday or Sunday in NSW or anywhere in Australia.

Comments

  • +7

    If it's not shown, then you can report them to the ACCC.

  • +7

    It's more like a cash discount rather than a card surcharge where they don't charge gst. still dodgy.

  • +3

    https://www.accc.gov.au/consumers/pricing/card-surcharges

    Tells you what they can do. They can't charge a 12% surcharge.

    Tells you what to do if they don't. Report them to the ACCC.

  • +5

    lol be 'honest' it was at a Brothel wasnt it?

    • +2

      What could the OP have bought at a brothel for ~$25?

      • +5

        Take one (1) sock off

      • Dunno, but you seem to know…

        Wanna share with the class?

    • -1

      If you’re paying for a brothel on card, you need to reevaluate some decisions

      • +2

        I think if you need to hide the fact you are going to a brothel, you need to reevaluate some decisions.

  • -1

    That's what happens when you get a haircut in the hills district

  • Complain to CBA there are conditions of having the machine, and they won't have a biller terminal if they breached their bank code of conduct.

  • Thank you everyone for your helpful and funny comments, I ended up lodging the complaint for the undisclosed 12% surcharge.

    • Who did you lodge the complaint with?

      • I followed Gordon D's comment about the ACCC and then I also contacted Commbank as per Jizmo's comment. Commbank live chat stated that they can't do anything about it.

  • I was told that I had to pay an extra $3 if I wanted to pay by card

    That could be considered reasonable, however, the fee needs to be disclosed and displayed before you make a purchase.

    • It would be considered illegal actually, as they can't charge more than what it costs them to process the transaction.

      So assuming a 30c fee and a very generous percentage rate of 2% (it is more likely closer to 1%), that would only be a legal fee on around a $150 transaction.

      • +1

        as they can't charge more than what it costs them to process the transaction.

        Costs are more than the transaction cost.
        Companies can charge what is reasonable to recoup their total cost.
        Often, smaller merchants are charged additional fees for the service, on top of the transaction costs.
        Also, there might be costs associated with administration of electronic transactions.

        As long as the cost is reasonable and is disclosed, it is legal.

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