Written in MONEY he
If you use your card to purchase goods or services, it is important that you be aware that some commercial establishments charge a “commission” or “surcharge” that can range from 3 to 5% of the total value of the purchase or service, when payment is made through a card of credit o card of debit. But this is a practice improper.
According to the drivingthis charge does not comply with what the businesses agree with the banking institutions, since in the contracts for the use of point of sale terminals it is clearly indicated that the payment of this service should not affect the cost of the goods and services that they promote. shops with their clientele.
The driving considers that this type of practice, in addition to being improper by conditioning the acceptance of this form of payment and being onerous for the cardholderhinders the promotion of Financial Inclusion, since the user receives the wrong message that paying with a card costs more than paying with cash.
For example, if only 2% of daily operations were “conditioned by abusive merchants to the collection of that “commission” or “surcharge” for the use of a card, this would be a scenario in which the economic interests of around 73 thousand users up to an amount of more than two million 261 thousand pesos per day.
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Although it costs the establishment a commission to receive payment with card of credit o debit For the use of the terminal, you also receive benefits such as:
- Increase your sales potential, since today there has been an increase in the population that uses credit and debit cards to purchase goods and services for daily use.
- It reduces your costs, since the transfer of cash implies hiring a company that carries it out or the risk involved in going to the bank to deposit the day’s sales.
- Through payment with credit or debit cards, the level of security increases in the establishment because less cash is handled.
The driving recommends that if you are a victim of this type of practice, you should notify the Financial Institution of which you are a client and, if applicable, this National Commission, indicating the details of the establishment where the extra “surcharge” or “commission” was applied. , so that the Institutions can take the necessary measures, such as the withdrawal of the point of sale terminals, since they are violating the contracting conditions.
In some cases, the merchants themselves incorrectly point out that this situation is due to the bank that provides the service, which impacts the image of said institutions.
