/ck/ - Food & Cooking

>>9919213
yes happened to me recently. I wanted to buy a fucking chocolate bar and it was 2 dollars but the minimum was five bucks. so I walked away and the bitch chink nigga said ok ok I charge you extra fifty cents for credit card transaction .

so these filthy fuckers make their money from stealing a little extra from you just because you're using a credit card form of payment. hate these fuckers

>>9919213
>>9919360
Listen up you honkey cracker barrel claim jumper wops, gringos, goombas and gabachos, haoles, bules and last but not least; krauts.

Get the fuck out my fucking store.

>>9919213
>go grab more product
>let them ring it up
>"ah nevermind"
>walk away in the middle of transaction

>blaming the cashier and not the company

>>9919213
Not sure why you are offended.
It's the store's response to a per transaction fee imposed by the companies that process credit card transactions.
The proprietor has concluded that he loses more money in transaction fees on small purchases than he loses by spergs like you walking out.

>>9919409
It isn't some company. It's some sand trekking bag of dicks trying to out Jew the Jews.

>>9919213
i've never been outright declined i don't think, but i have gone to places that will put .50 on your card if you don't meet a minimum. i think the highest i've seen was $7 (which is a bit ridiculous imo, but it was a food joint, not a corner store). fortunately, these places usually put a sign on or near the register indicating this

>>9919213
You do realize the profit margin on convenience store items is extremely low, right? This, coupled with the outrageous fees credit card companies charge stores, just to process transactions, makes business difficult...

Big convenience chains like seven eleven skirt some of this due to scale. They have reduced fees compared to the average mom and pop shop because they are producing a high volume of transactions. Little guys have to pay out the ass and are being up front with the monetary value they need to hit to be sustainable. Boo hoo... Pay the fiver or shop somewhere else.

>>9919213
They are not required to take your money. Hell theyre not required to take greenbacks for anything other than debts.

>>9919413
A lot of the Chinese places in Jersey have a $10 minimum on cards which is fucking ridiculous. Per-transaction card fees for merchants are never more than a few cents.

>>9919413
Here in Britland the extra charge is being dropped by force of law this month I think

>>9919213
I had this happen to me while paying with cash

>not just buying multiple candy bars to make up the difference

>>9919360
>charging you extra for something you a) don't need, b) can get somewhere else without paying an extra charge [and thus helping the capitalism system work better] and c) are not forced to buy, is somehow stealing

>>9919213
>>9919360


>Stores should be forced to lose money on credit card fees for my convenience

No

>>9919431
>A lot of the Chinese places in Jersey have a $10 minimum on cards which is fucking ridiculous. Per-transaction card fees for merchants are never more than a few cents.

And if you're buying $5 worth of goods they're only making a few cents, so the transaction costs end up costing them money.

>You're wrong, they make more than a one cent per dollar

They don't. You would not *believe* how thin the margins are on this.

>>9919401
the patrician's response

>>9919213
Costs them a dollar to conduct a credit card payment. You buying a pack of gum on your card would lose them 30c, why should they do that?

>>9919213
>not carrying at least $200 of cash with you
afraid of getting robbed, soyboy?

>>9919213
Its not about the shop but the credit card company and the limit they set you fucking retard.
Maybe ust carry some loose change and 1-2 bills in your fucking pocket like a grown up.

>>9919213
its always places owned by immigrants

>>9920229
Probably, unless they're native americans.

>>9919768
That makes no sense.

my college bookstore did this. I just wanted to buy sandwiches there but I had to get water every time as well to make the 5 dollar mark

>>9919213
I've never once encountered this.
Try not living around blacks/browns.

>>9920381
The Browns have been my neighbors for 30 years and they've always been upstanding folks. In fact I would consider Mr. and Mrs. Brown to have become two of my closest friends over the years, and their children are some of the finest young people I know. I'm not going to move just because some burn out on /ck/ told me to.

>>9919213
quit going to ghetto gas stations. only places i have ever encountered this are low income areas.

>>9919213
Theres a smalltown grocery store here, its a 25 dollar minimum purchase to use your debit card. I dont think there is a minimum for cash though. Pisses me off to no end, I never keep cash on me.

if your margins are small you don't take credit cards because the merchant fee's eat a lot of your profits.

wholesale cost of item 100. you sell for 150. credit card takes 2% of the 150. 3 dollars. your wholesale cost + rent + labor + tax + utilities adds, let's say 20dollars to the cost of the item sold. so you sell for 150, minus 120 in cost, yields 30 profit. but the credit card fee is 2% of the sale cost, so -3 of your profits. there, processing credit cards is 10% of your take home profits. unless the cards are drawing in business that would yield more then 10% of your base profits, it's not worth it if you are small time.

This doesn't make any sense. If the processing fee is 2%, what does it matter if it's on 30 cent pack of gum or $5, it's still 2% you god damn brainlet shop owners, they'd rather have no profit than some profit that's why their business will fail as I walk out the door. You can't run from percentages, it's not a flat rate.

>>9920450
there is a flat transaction fee per use charged to the merchant + a percentage.

>>9920392
omg such a funny post. i've never read such wit before. I think i just orgasmed from reading your intellectual post. please don't move. just fucking kill yourself you waste of human dna

>>9919784
finally someone with a clue in the thread. dont complain to the shopowners, complain about the margins

>>9919213
What is wrong with carrying cash?

>>9920546
you don't like being tracked? you got something to hide.

>>9920392
This is why people tell reditors to fuck off. Because you are not funny

>>9919213
this shit is now illegal in australia, thank fuck. only inbred americucks use cash, actual humans use contact payment, no pin, no signature

>>9920480
Get off the internet, please.

>>9920636
Only soyboys use "contact payment". Fucking faggot bet your arms are like twigs. Australian lmao I could crush your skull into dust

They're charged $5 per cc transaction, aren't they? This policy seems more than reasonable to me.

>>9920657
Oh shit, I triggered the amerimutt, I'd better watch out, it might impotently project it's insecurities onto me.
You dumb cunts still haven't figured out chip and pin yet, no wonder you're so hostile towards yet another innovation.

>>9919431
in some cases the profit they make off items like candy bars, etc is just a few cents

>>9920669
English mate. Australians are fucking nothing. Lower than Americans and that's saying something

>>9920376
Probably a new guy that was improperly trained.

>>9920676
>implying being a poofter pom is better than being a yank
>implying you're not just some fresh off the boat "refugee" having a giggle whilst raping some natives

>>9919782
>t. worst Korean

>>9919213
>they refuse service and these places need to be shut down

We own a small grocery shop in a ghetto area and my racist dad always makes me follow the blacks around the store to keep an eye on them.

I hate him every time he tells me this because he sounds racist as fuck, but I usually end up catching a couple of the black kids trying to pocket some goods and run out.

I don't know If i'm angry at my father for being such an Asian stereotype or mad at the black kids for constantly proving him right...

>using your card to buy chocolate or gum

>>9920729
niggers gonna nig

>>9920702
.t highschool

>>9919424
buy 100 bottles/cans of beverage. charge 150% markup at minimum "wahhh out profit margin is lowwwwww"

They're more than doubling their money on drinks alone, nevermind cigs and lotto tickets and shit. Paki store owner near me literally owns 3 houses

>>9920737
>feeding yourself shitty high-calorie junk food with little to no nutritional value
are you sure you're not american?

>>9920746
Those dirty pakis always have their poo-coloured fingers in a load of dirty little pies. Fucking leeches

>>9920729
>I don't know If i'm angry at my father for being such an Asian stereotype or mad at the black kids for constantly proving him right...

btw... my dad's shop in in West Oakland where the police has essentially given up patrols because the BLM blacks will riot if the cops arrested any of these kids/thieves.

So the cowardly cops turn a blind eye to all the comes. They figure if BLM is constantly harassing the police then let the animals murder each other and destroy their own neighborhoods.

And that's where we are... w Oaktown is a shit hole now... worse than ever.

>>9920729
lmao

>>9920754
>>feeding yourself shitty high-calorie junk food with little to no nutritional value
You're literally describing chocolate.

>>9920729

And btw, the reasons we don't allow sub $5 credit card paymets:

1) in the ghetto, blacks often try to use stolen credit cards on micro transactions to see if it's clean. grocery, gas, etc... So this is a major security requirement.

2) We get charged anywhere from 2% to 3% for each credit transaction because our volume is tiny. Since our margin is only 4% or so, that fucks us for any small purchases.

>>9920775
>huuuuur literally duuuuuur

Fuck off back to redit soyboy

>>9920766
black lives matter... matter cannot be created or destroyed. It should be legal to lynch blacks again seeing as it changes nothing to what the contribute to the universe.

>>9920782
Stay BTFO actualy reddit soyboi.

>>9920780

And yes, before anybody asks, we had a history of kids trying to use stolen credit cards with false IDs.

Again, the cops don't give a fuck for a "small" crime. And American Express/Visa will refund the victim and charge our store the full cost of the theft.

Essentially, as a store owner, we get left holding the bag for the use of the stolen card.

I have to ask before I even look at anything every gas station I go to

pretty annoying if you don't have the cash on you.
I get the rage, they already own a company, take the hit instead of being a giant jew

>>9920785
What?

>>9920787
you are lying. you lose merch and get charged by the card company to reimburse? you are lying.

>>9920800
Huh? Huh? Huh?

>>9920787
No ones asking because no one cares.
Stop posting, no one cares about you or your little stories

>>9920806
t. assblasted nigger

>>9919213
Visa/Master/NYCE Debit Exchange charges 17 cents + 2.3% of total transaction to the small businesses that can't negotiate lower fees like Walmart or Amazon can.

Small businesses like the one that refused you will either make zero profit or lose money every time a retard like you try to use a credit or debit card to buy a $2 pack of gum.

>>9920802
>you lose merch and get charged by the card company to reimburse?

You seem very ignorant about how credit cards work. but YES, the store gets fucked.

1) Thug uses stolen credit card
2) Victim finds out, calls Visa.
3) Visa refunds the amount (almost always)
4) Visa DOES NOT refund the store for the goods "stolen" or paid for by fake credit
5) The store is responsible for recouping our goods from the POLICE who can refund the goods only after they catch the niggers and make them pay for the cost.

Here's a hint. #5 almost never happens... The store always ends up getting fucked.

>>9920835
It's called insurance.

>>9920765
Remember that the core beliefs of BLM is stopping police brutality. I don't think BLM would care too much if a black person was actually caught stealing (or committing any other crime) by the police, and was arrested normally, without beating the shit out of them, or killing them.

>>9920746
I know they're profit margin can't be super low, because I see how much items cost in bulk, and I know they charge more than that.

>>9920802
As of October 2015, the merchant is responsible for fraud on credit cards payments that are processed with the magnetic strip instead of the chip, and I've noticed almost nobody except really big corps like Walmart actually upgraded their systems to use the chip because of extra costs, so he is very likely not lying.

>>9920802
it's called a charge back kiddo. the merchant eats the cost of fraudulent purchases with credit cards. somebodies got to pay and it isn't going to be the banks or the customer.

>>9920806
>No ones asking because no one cares.

Are you retarded or do you not realize what thread you are in?

OP asked and some of us with experience are providing an answer.

Sorry if the real world is too "real" for your delicate sensibilities.

>>9920835
That does not make sense. the only thing lost was the item stolen, which you already charged for. The shop owner does not lose the item, and the false charge. You get the charge, which is why the card company has to reimburse the real card holder who never purchased the item. It is the card company that gets burned, and you do not know how shit works.

>>9920853
>it's called a charge back kiddo. the merchant eats the cost of fraudulent purchases with credit cards. somebodies got to pay and it isn't going to be the banks or the customer.

This guy knows things.

I think this is illegal here.

>>9920858
>That does not make sense.

Welcome to business bud.

>>9920845
Insurance only pays out on items that are reported before stolen. You're saying businesses should file a report for every single $1 packet of gum so that they can claim it if a nigger steals it? Even Walmart doesn't have a resource to do this.

>>9920858
>That does not make sense. the only thing lost was the item stolen, which you already charged for. The shop owner does not lose the item, and the false charge.

Read this again, and think real hard on why you might be retarded.

We'll give you a chance before others jump all over you.

>>9920850
>he actually thinks BLM is reasonable group

>>9920869
>We'll give you a chance before others jump all over you.
Truly benevolent of you anon.

>>9920869
Nope... you retailers got it wrong, or are getting fucked by card companies for a flaw in the system that is theirs to cover.

>>9920878
>literally just throwing a tantrum at this point

>>9920866
>Insurance only pays out on items that are reported before stolen. You're saying businesses should file a report for every single $1 packet of gum so that they can claim it if a nigger steals it? Even Walmart doesn't have a resource to do this.

For the ignorant kids out there.

#1) Insurance usually has a high deductible, which makes these small cases unreportable.

#2) ARE YOU RETARDED?!?! Imagine reporting 5 to 6 small crimes a month from your store. Guess what happens to your already sky high Insurance premium???

>>9920886
cost of doing business. If you can't make it work, get out of the way for someone that can.

>>9920866
Walmart is a huge company; they have no need for theft insurance. If anything they should branch out into the insurance market.

Obviously reports are only if you lose a large value of goods. If you don't then what are you even complaining about? Your business model is wrong if you can't afford a small amount of theft.

>>9920480
The Browns will be sad to hear you say that.

>>9920870
They can be shitty but overall I agree that police brutality shouldn't be a thing

>>9919213
don't patronize those shops then faggot ¯\_(ツ)_/¯

>>9920894
>Your business model is wrong if you can't afford a small amount of theft.

In fantasy business world, yes.

In reality, grocery margins are so low (3% -5%) we're fortunate to be profitable 2-3 weeks a month.

>>9920780
>So this is a major security requirement.
Yeah because using an extra $4 of someone elses stolen money is totally going to stop them from making a transaction to check if the card works. Fucking retard.

>>9920907

Yeah. You clearly don't have any sense what you're talking about.

Just stop.

>>9920850
>Remember that the core beliefs of BLM is stopping police brutality.
They should be more careful when they select their martyrs then.
Trayvon wasn't even shot by a cop and he was a worthless thug who was busy beating Zimmerman to death when he got what he deserved.
Michael Brown was shot by a cop while rushing at him moments after committing a violent robbery.

Those are the two I can remember off the top of my head and I don't care enough to go looking for more. The point is that there are actual cases of people, black AND white, being shot by cops for dubious reasons, but instead of focusing on the BLM will just pic whichever one has the loudest parents.

Besides, if you actually look at the statistics, and no BLM supporter ever did, you'd see that whites are, accounting for population size, more likely to be victims in these shootings than blacks. You have to account for population size because blacks are so massively overrepresenting themselves in violent crime, as perpetrators that is.

On topic; I think any store should be allowed to refuse service for any reason. Be it credit card fees or gay cakes.

>>9920780
this is retarded, there are valid reasons to deny credit card charges for small amounts but theft isn't one of them. a stolen card has a short lifespan so the person who use them want to hit the maximum amount before it gets reported and cancelled. why the fuck would you need to 'check' to see if it's clean? the moment you put a fraudulent charge on it you are working against time before either the cards internal auditing system flags it or the owner reports it.

>>9920894
>Your business model is wrong if you can't afford a small amount of theft.

Aren't you the kike who complained previously in the thread about small convenience stores having higher prices than big box stores that take up an entire block?

>>9920914
Okay so tell me, why would they hesitate to spend an extra $4 of someone elses money to check if the card works?

>>9920907

Jesus. Guys is just triggered & shit posting now.

>>9919213
I just saw the sipboys thread but somehow this post is the dumbest thing I've seen all day.

>>9920886
No one cares redit boy

I swear /ck/ probably has the largest concentration of absolute cunts on 4chan, more than /cgl/, /soc/ and /b/ combined. I've seen less hostility in warzones. And it's always over the smallest, most insignificant subjects.

>>9920898
And I wholeheartedly agree. That being said, I don't think BLM is the group fit to lead the cause.

>>9920924
nah, he's right. a $5 dollar charge isn't going to stop someone from using a fraudulent charge, why do they care? it's not their money to begin with.

>>9920922

Just stop.

Think for yourself before you keep asking dumb questions.

>>9920928
I can think of a worse board.
/ck/ isn't perfect but it's pretty good for a 4chan board.

>>9920928
If you don't like it then fuck off you little wuss. This little faggit can't handle a bit of banter lmao good luck in the real world pussy

>>9920743
Nope, in fact used to manage a retail store, the Jews defending this shit are clueless.

>>9920928
pussy fights in pussy warzones

>>9920925
Don't be so uncharitable.

Credit card companies spend tens of billions of dollars in advertising to ensure the media never talks about the hidden fees they gouge from retailers.

Who the fuck do you think all those "Priceless" "muh VISA" ads are for? Impact on increasing cardholder spending is negligible. It's to get media companies reliant on revenue from credit card ads so that they'd never dare talk about hidden fees and its impact on economy because they might lose that Visa/Master/Amex ads that make up more than 8% of the total ad revenue.

>>9919784
>>9919424
Youre a fucking retard. Theyre making more than a few cents by selling you a $0.60 candy bar or can of soda for $2

>>9920942
continued

So it's perfectly understandable a retard like OP, who has to be spoonfed information against his will to learn or understand anything, might not know about these hidden fees that Visa and MasterCard charge to the merchant.

>>9920936
Oh my bad, didn't realize you were being retarded on purpose.

>>9920950
The clerk works for free? The rent is free for these stores? Electricity is free? There are no property taxes?

>>9920950

Yes little nig. Confections are higher margin. *pat on head*

But do you know what percentage of sales are confections vs. groceries in a store?

Can you tell me how much rent is? Insurance? Maintenance & upkeep? Security? Etc, etc?

>>9920958
I forgot that the clerk is sent home, the electricity is turned off, and property taxes are reduced while I'm not there offering them money.

>>9920939
>Nope, in fact used to manage a retail store
ahh. t.highschool education then. At best.

Working in retail doesn't make you knowledgeable about how business works.

>>9920973
Know more about it than you brainlet.

I think it's painfully obvious now that OP is a 15 year old troll who is collecting (You)s.

Please stop giving him (You)s.

polite sage

>>9920992
Shut the fuck up maggot no one gives a shit about what you think. Don't like it? Go shit up another thread

>>9920998
t. internet tough guy

It's because of transaction fees on credit/debit transactions.
They have the right to refuse because credit and debit cards arent technically government backed legal tender, so they don't have to accept it at all.

>>9919213
>using botnet cards

>>9920992
>I think it's painfully obvious now that OP is a 15 year old troll who is collecting (You)s.

I fell for the bait.. but provided some info... hopefully some of it will sink in.

>>9920998

lol This guy is a high school kid at best.

Getting triggered by such basic information & challenging it like he thinks he's right... lol

>>9919213
It's funny how burgers let themselves be tricked into just paying credit card tax on their entire economy.

If you had a debit card instead of credit card system, pretty much every consumer item in the US would be 2+% cheaper.

As it stands though, a burger really has no alternative. You pay for the credit card regardless, might as well use it.

>Yanks

>>9920921
No. I definitely understand a minimum credit card transaction can be necessary.
>>9920906
If your profit really sucks that much then you're in the wrong line of business and should cut your losses and sell.

>>9921047
b-b-b-but muh reward pointz!

>>9921052
more business have low single digit margins than you would think. big corps bring in lots of profits mainly by moving lots of volume.

>>9921051
Funny lot, aren't they?

>>9920546
Makes you a target for niggers

>>9921047
>pretty much every consumer item in the US would be 2+% cheaper
>he doesn't get 5% cashback
>If you had a debit card system
>he doesn't get fined by the electric company for not paying with checks

>>9921067
I'm not talking about low margins. It's possible to have low margins and still be successful but if your margins are too low to tolerate petty theft there's a problem.

>>9919213
Call your cardholder. They are not supposed to set minimums. A local place pulled this. In a couple months they had to go cash only because visa and MasterCard stopped letting them process cards.

They closed about a year after that.

>>9921079
Petty theft adds up though, anon. Most everywhere could cover someone stealing some gum and chips once, but it's never just once.

>>9920966
>Yes little nig. Confections are higher margin. *pat on head*
>But do you know what percentage of sales are confections vs. groceries in a store?
>Can you tell me how much rent is? Insurance? Maintenance & upkeep? Security? Etc, etc?

*crickets*

>>9921092
That's only true for debit cards (even debit cards being processed as credit). Up to a 10 dollar minimum is allowed for credit cards.

>>9921052
>If your profit really sucks that much then you're in the wrong line of business and should cut your losses and sell.

Sometimes its better not to speak unless you're trying to show off your ignorance.

>>9921095
Well then you have a "you" problem, shrink should be adjusted into your budget.

>>9921111
>Well then you have a "nigger" problem

Exactly, little Timmy. That's why your credit card charges have a minimum.

>>9921108
take your own advice shithead, or someone is gonna buttfuck your mouth while you are running it.

>>9921108
There's nothing ignorant about expecting a business to do well enough that petty theft isn't an issue.
If your profit is that bad or there are so many thefts then there's something wrong with the business. Maybe it's just not profitable to run a store in the ghetto. Maybe you have to raise prices. Maybe you need to improve loss prevention. If you can't tolerate the loss there's an issue.

>>9921120
>I can't watch little niglets
The blind shouldn't own stores, Stevie.

>>9920981
No, you really don't.
I've worked in retail too, before I went to business school.
Being a retail monkey does not make you an expert on anything besides scanning UPC codes and putting up with drunk people.

>>9921129

LOL

Every mom and pop should just go open their own Whole Foods in a rich neighborhood right?

SO SIMPLE!

Why hasn't America's 10 Million convenience stores thought of that first?!?! They must all be soooooooo stupid!

>>9921153
It won't let me upload my CV, but just stop eyeing my dog and we'll call it a draw, Chin.
>Getting fleeced for a business degree
I thought Asians were better than this.

>>9921153
>Being a retail monkey does not make you an expert on anything besides scanning UPC codes and putting up with drunk people.

You have to admit. OP is doing a pretty good job of being ignorant & proud.

>>9921156
Wow you really seem to enjoy getting upset.
If a business is struggling so much that petty theft takes it over the line there's an issue it.
Are you saying businesses shouldn't be profitable and the government should subsidize shitty ghetto convenience stores or something? If it's not profitable then the business doesn't deserve to exist.

>>9921172
Don't try to explain capitalism to business majors, they just learned how to color in the lines at advanced marketing.

>>9921189
Is that guy even the same as the business major guy?

>>9921189

You really should try changing your proxy before samefagging so hard.

>>9921194
Not sure, but everyone thinks anyone with sense is OP samefagging, so I'll roll with it.

>>9921202
>>9921203
Case in point.

>>9921165
I'm Northern European, retard.
Not that you'd be any less of a fucking idiot if you had actually happened to be right about me being Asian. That's about the level of logic I expect from the kind of idiot who thinks managing a Target makes him an authority on business, though.

>>9921194
No.

>>9921228
(((Northern European)))
When will the world be free from (((business majors))) and (((capitalists)))?

>>9921228
Oh, then you can be excused for getting fleeced.
>Target
Not quite, my job was more hands on with the budget and P&L sheets, but whatever makes you sleep better at night.

>>9921072
>he doesn't get 5% cashback

I guess if you have the patience to get a bunch of cards and pay for whatever you get 5% cashback with the appropriate card you can game the system. So 99.9% of burgers got tricked into paying the credit card tax, congratulations on being the outlier.

>he doesn't get fined by the electric company for not paying with checks

The credit card system is part of why financial transfers are such a huge paint in the ass in the US. They have slowed down development of electronic transfer.

>>9921228

>>9919213
do you not know how credit card companies work?

>>9921247
>the budget
So you can add and subtract.
Well, that's most than most of the retards working retail now actually.
If it comes to 17 bucks and I hand you 22 it's because I want a fiver back, not because I want you to look at me link a cunt, leave the 2 in the coin bowl, and hand me another 3. I swear that's much more common than it was just a few years ago.

I only went to business school because I didn't know what I wanted to do with my life. I went a completely different direction afterwards so you can stop with the (((business majors))) bullshit like learning basic shit about budgets and taxes makes me a fucking Jew. I only claimed it served to perspectivise to me how little I had learned from working, and managing, in retail.

Pretty sure Target do the same basic shit with budgets and P&L sheets as everybody else, anyway.

>>9919213
Call Visa and report them.
They DO NOT like this shit and it's contractually forbidden.

>>9921214
Are you on mobile or something? IIt's not like there's exactly 1 minute between the posts, there's a little more. And the bottom guy is an idiot for assuming he was the business major but the top guy is me.

>>9921301
Credit card companies are legally forbidden to contractually forbid it up to 10$. Army beats credit card company, law wins.

>>9921289
>Tl:dr I'm a retard
Nice to know, but you may want to back for an English degree to learn to be concise.

>>9921314
Sorry I tried to defend you, they are correct, you're an idiot.

>>9920178
>carrying cash

its like you want to get raped by nignogs

nah son ill keep my 5k in my debit card

>>9919413
I have a faggot bakery who does a $10 minimum. but it's faggot new york.

>>9921339
Nice argument.

>>9921381
You can only argue against what's presented. Do they not teach debate in business (((school)))?

>>9919782
no fuck you. I have the right to purchase something if I have a form of payment. I shouldn't be forced to pay extra outside of taxes because of the method of payment.

they need to change this shit system nationwide.

>>9921318
That's only for credit cards though. If they are charging a minimum for debit cards too (even if the debit card is processed as credit), then anon is still right.

>>9919784


>And if you're buying $5 worth of goods they're only making a few cents, so the transaction costs end up costing them money.

>You're wrong, they make more than a one cent per dollar

>They don't. You would not *believe* how thin the margins are on this.

no fuck them. that's not our fucking problem. we shouldn't be forced to use cash just because we have a credit card. They need to get rid of this stupid fucking system and come up with something better. I no longer shop at these cheap faggot chains and mom and pops who do this shit. especially food shops.

enjoy paying extra faggot

>>9919784
>only making a few cents off 5 dollars of transaction
Let me show you how ridiculous that statement is.
If that were true, even if they're making 10(more than a few cents) off 5 dollars, and they sold $1,000 a day, that would be 20 dollars of profit.
1000 in a 10-hour day means 2 very large 50-dollar orders every hour, or an average 25-dollar order for 2 people every 15 minutes. This is unreasonable, but we will allow an unreasonably high sales rate in combination with higher profit margin per 5 dollars sold than you initially implied.

In a month, the only income for this business is 600 dollars. They need to pay rent, pay for food, pay their employees, etc on 600 income before taxes.

>>9921613
Thats exactly how it works and why most business fails because people are unwilling to pay 20 cents more for something.

dont know why small businesses are so resistant to debit. when you look at the benefits it provides the transaction fee is almost negligible.

>less cash in the till to count
>less cash in the till for nigs to steal
>manager/owner doesnt have to spend as much time doing bank runs
>shorter transaction times if your customers mainly use tap cards
>less chance of counterfeit transactions
>dont have to touch filthy cash that was probably in some fat whores bra

>stores dependant on tobacco to make profit
>government keeps cucking them further and further
>anons refuse to shop there if they can't use daddy's credit card

yep looks like corner shops are going to be a thing of the passed

>>9919431
It actually depends heavily on what network, if its credit or debit, and what rates they negotiated. Small businesses usually get the raw end of the shaft on this because otherwise providing the terminals and support isn't worth it to large brokers.

Which is great if you're smart because it's piss pot fuckin easy to set up an API to do this shit, negotiate low rates with the brokers, then suck up all the tiny businesses to give them lower rates while you skim off the top of every transaction.

>>9919213
How about just don't shop in any stores not owned and operated by whites?
I have never seen a minimum charge in any store that wasn't run by poo people or border-hoppers. or just avoid convenience stores, they are a rip-off anyway

>>9919841
>>9919772
>>9920475
>>9920737
>>9920819
>>9920951

so it's ok if I buy a snack that's $3 cause I'm hungry and on the run, but have to get something extra I don't need just to accommodate the store? Fuck them.

kill yourself tonight faggot

>>9920765
I see how it impacted them. been there recently and I see all the bullshit. saw on the news a nignog having a shoot out with cops

>>9919360
Why not pay with cash?

>>9921660
>cucking
>passed
How's winter break going?

>buy 50c rolling papers because i want cash out
>indian woman cashier says the minimum purchase is $5
>tell her ive literally gotten cash out with only the papers before
>gupta insists on the $5 minimum
>already having a shit day so give in and buy a $5 chocolate milk
>its horribly rancid and bloats in my bag that night
>bag and contents now smells like rotten fake milk
>consider going back and abusing the fuck out of that shit coloured merchant
>wash bag instead

not that bad but this indian bitch made a bad day even worse

>>9921613

>I have discovered why many businesses fail before they even get off the ground: The Post.

If a grocer is making two cents on the dollar, he's a great grocer with a fantastic business plan.

If a grocer is making one cent on the dollar, he's running a pretty average grocery store.

No amount of explanation from you is going to change the fact that these stats are available. You can just google them.

If you're curious why your math makes sense and yet your google search tells you 1-2% like I said, the answer is that your math had some bad assumptions. Like for example, a grocer selling for $1000 a day. Try $10.000 and you're getting around the right size for a very small grocery store.

>>9920450
>This doesn't make any sense. If the processing fee is 2%, what does it matter if it's on 30 cent pack of gum or $5, it's still 2% you god damn brainlet shop owners, they'd rather have no profit than some profit that's why their business will fail as I walk out the door. You can't run from percentages, it's not a flat rate.

$0.20 flat fee on top of the 2% fee on top of the $0.20 they paid to buy they gum they're selling you for $0.30 means they're out $0.106 every time you shop there. Pay cash or get out.

>>9921510
>I have the right to purchase something if I have a form of payment

No you don't, that's where you are wrong.
They have the right to sell you whatever at any price. You don't decide who sells you what, all you can do is choose from a list of options to do business.

The credit card companies charge a small fee for businesses to accept credit cards as tender. If the purchase is under $5, they lose money/revenue., so they increase the price. Blame the credit card companies.
Don't be lazy and carry cash or a debit card. You shouldn't use a credit card anyways, fucking using money you don't have to buy shit you don't need. Fucking system's broke.

>>9921652
If it's NSF they may not get paid, where it is guaranteed by credit cards or cash. This is important to small businesses, especially those who are exceptionally tiny or are established in poor areas. Or just have a lot more seasonal business.

>>9921613
A 3% profit is really good in a competitive market.
That's 3 cents on the dollar.

Convenience stores/grocers is a very competitive market.

>>9920685
>fresh off the boat
This is literally your race.

>>9922136
I agree with everything you said except the credit card stance. I pay for everything with a credit card, and pay it off several times a week. There are tons of incentives based on your purchase types that give you airline miles or points to redeem at amazon, apple, google, etc. So I get rewards for things I'm purchasing anyways... most people don't use credit cards responsibly though.

>>9919782
They're not losing any money. Kind of like how McDonalds sells cheeseburgers for a loss but makes it up on cokes and fries. There is NO money being lose here. They just found another way to nickle-and-dime you. That's all. They'd lose a LOT more business if they stopped accepting credit cards all together than if they allowed people to buy a pack of gum with their VISA. It is a business expense that they are forcing onto the customer, just like tipping.

Use your heads, people.

>>9919841
>Costs them a dollar to conduct a credit card payment

Drugs are bad.

>>9920636
>only inbred americucks use cash

Good goy, just keep letting your every purchase be tracked with your card. I'll happily hand over my physical Ameribucks to semi-anonymously buy my coffees and cigarettes.

>>9920746
Convenience store manager here for a larger chain. The average markup for a bottle of soda is about 35%, but again figure that margin really equates to 30-60 cents tops. Got to sell a lot of soda just to keep the lights on.

> t.triggered nigger angry at the chinamen for taking all their women

lol the same kid has been shitting up all /ck/ with chinese hate... the guy is on tilt

>>9922433
>> t.triggered nigger angry at the chinamen for taking all their women

>>9920737
>using anything but NFC to pay for anything

Fuck off old man

I hate those fucking stores that don't let you in if you have a backpack. Paranoid cunts, maybe I want to carry groceries on my back instead of carrying it home.

>>9919360
my guy they have to pay fees for card transactions

>>9922993
Those fees are not 25% of the total transaction

>finish my final exam
>walking home
>decide to treat myself with a coffee
>see a cafe I haven't been to before
>looks pretty neat, the owners welcomes me when I step inside
>"yeah I'd like a large cappuccino for takeaway thanks"
>"sure thing, that'll be $4.50"
>get my card out to tap and go (do murrican's have paywave?)
>cashier gives me a look of pic related
>"sorry minimum is $10 for card transactions"
>"u wot"
>"yeah, you can just buy a sandwich as well to bump it over?"
Those places need to robbed and their staff gang raped.

>>9919213
theres a cafe a block from my work that does this. i can't buy coffee there

If a store has any of the following:
>credit/debit card surcharge
>increased rates on public holidays
>minimum dollar amount for a purchase
I just don't go there. Even if I've placed an order at the register and then notice that little fuck off sign, I do exactly that. Fuck those places. They are rare in my country but they still exist, usually run by chinks or pajeets.

>>9920178
>Maybe ust carry some loose change and 1-2 bills in your fucking pocket like a grown up.
I don't know where you live, but the only people I know that carry cash are poor people, kids, and drug dealers. The only reason to carry it is if you can't get a bank account.

>>9922088
>>9922088
this

this is why I hate these fucking shitheads that do this. I was trying to buy something worth 1 fucking dollar and I asked the punjab before hand if he accepted credit card. he said yes. by the time he charged me he said 5 dollar minimum. I left without paying for shit. and he reeed.

these businesses should be fucking illegal to refuse transactions like this. you shouldve taken your rotten milk and poured it all over that faggot bindi whores counter so she can learn.

>>9921652
>dont have to touch filthy cash that was probably in some fat whores bra

gay

>>9921214
I am him faggot

>>9920914
Contradicting the
>Just stop.
with
>Yeah.

learn how to fucking talk faggot

>>9923617
You are him, a faggot.

>>9920729
Is it racist to observe a statistical pattern?

Is it racist to say that Kenyans are good sprinters?

>>9919213
The card companies charge the stores per transaction. A lot of the small, mom n pop shops don't take any form of plastic, around where I live. Cash only basis. Can't even use cards on the gas pumps. Corporate 'Murika squeezin out the little guy.

>>9922886
That's a thing? I've been followed around and I've been asked to leave the backpack up front, but I've never been told I straight up can't come in a store with a backpack.

>>9923075
"usually run by chinks or pajeets." and the real reason for your anger surfaces

>>9922249
this is the downfall of social responsibility (not really though).
so many people don't know how to even budget their money, credit cards prey on that ignorance
wish there was a better system. if you can use it and not burn yourself, more power to you.
but the majority can't. also, ask anyone and they say they can.

>>9921510
Lol no you don't faggot

>>9919213

Blame management not the cashier you mongoloid.

>>9923721
no wonder they're all going out of business

complacent pricks, at least get Square or something

>>9922269
How the hell do Mcdonalds make a loss on cheeseburgers? Each one probably costs a few cents to manufacture yet they sell for a dollar

>>9920765
Good that's what 97% of blacks deserve, they asked for it. Youre just unfortunate collateral damage

>>9924362
It's more like 20-25 and do you not realize the profit has to pay for wages, taxes, infrastructure, transportation, rent, equipment upkeep, etc. or are you just so naive you thought they pocketed 75-80 cents of pure profit? Only people with those margins are drug dealers

Unless you know the cashier owns and runs that store, and it's not a chain, it's not their fault, you sperg.

>>9919213
>carry cash
or
>move the fuck on
the goddamned snowflakes on this board

>>9919213
>they refuse service and these places need to be shut down

They're not obligated to serve you faggot

>>9920765
>So the cowardly cops turn a blind eye to all the comes. They figure if BLM is constantly harassing the police then let the animals murder each other and destroy their own neighborhoods.

Don't blame them. Niggers killing each other off benefits everyone in society.

Sorry you're stuck in the zone, though.

>>9920787
>Again, the cops don't give a fuck for a "small" crime. And American Express/Visa will refund the victim and charge our store the full cost of the theft.
Might not be the cops, anon. CA state government has decriminalized a lot of shit. Hell last year they classified assaulting a police officer and physical sexual assault as "non violent offenses" and dropped them from felonies to misdemeanors.

>>9920676
>Beg their commonwealth friend, especially Australia for aids during falkland war
>Americans actually abandoned the UK, not sending in Awacs
>Hurr I rate Americans higher than Australians

>>9920850
>Remember that the core beliefs of BLM is stopping police brutality.
HAHAHAHAHAHAHA

>>9919360
I mean dude just carry some notes or change who the fuck buys a chocolate bar with a credit card?

>>9920898
and it mostly isnt a thing you retard
its just that whenever it happens it goes on national news and everyone flips their shit

Only slightly related I went to a shop before and got refused service because my total was £6.66 she said I needed to buy something or take something out of my basket. Superstitious people are weird.

>>9924360
>at least get Square or something
>3.5% transaction fee + $0.15 per transaction.

Yeah, that's not exactly free or anything, on a $1 or $2 item you could be losing money by doing the sale.

>>9922269
>It is a business expense that they are forcing onto the customer

Nigger all business expenses are put onto customers.

Here's how to run a grocer:

Step 1: Sum up literally all your expenses - rent, wages, buying stuff to sell, credit card fees.

Step 2: Figure out how much to charge on which goods so you make all that money back. If you can't, go directly to bankruptcy.

>>9919360
>stealing

>No deception
>No fraud
>No violence
>"Stealing"

Nigger ain't nobody owes you anything. If you don't like his store that's fair, you don't owe him shit either, but it's not stealing. Go elsewhere for your groceries.

Just add on a fucking lottery ticket or a lighter stupid poorfag

>>9923107
>these businesses should be fucking illegal to refuse transactions like this

Or you could shop elsewhere you lazy faggot, Aldi doesn't refuse small transactions.

>No these people should cater to my every need

Not even under communism would they accept a lazy faggot like you.

>>9920802
>you are lying

Why do faggots who don't know anything always say the other guy is lying? You could have just said "Fucked up if true" and not have sounded like a faggot.

I work finance, you better BELIEVE we're not eating that cost ourselves. Now we could pass it on to the card holders, or we could pass it on to the merchants.

If we pass it to the card holders, they switch to a different card

If we pass it to the merchant, they don't switch because they want all customers no matter what card the customer has.

HHMMMMmmm I wonder who we should pass it to.

On a related note, to the shop owners and retail people who've posted in this thread: How do you fucking deal with these people IRL? Is this what the general public is like?

>>9920858
>It is the card company that gets burned

HHAhahaha a oh yes, of course.

We're definitely on your side and not fucking the merchant while you look away

*secret wink*

I don't understand how the kind of reckless faggots that keep going on about how the jews in finance jew them over every day suddenly believe we're nice to other people.

We're not fucking you over because we dislike you.

We're fucking you because there's money to be made.

You better believe we're fucking your grocer as well. We're fucking anybody where there's money to be made fucking people.

Except, of course, for the little fact that we're not fucking anybody at all. If you don't like the terms you're free to leave and go elsewhere. We're not forcing you to do shit except follow through on the promises you made to us.

>>9920765
This guy knows
I lived in the town at the peak of the blm bullshit and it was insane. I lived in a decent part of town away from all the protests but we still had helicopters over the city day and night for at least a week on end

>>9924359
I blame both. the cashier isnt even being honest about why they cant take less than 5 dollar items. they just like being dicks about it. one faggot told me to go to the atm instead of using my card and take money out to pay for a 1 dollar hotdog. it was ok for him for me to spend 1.75 extra at the atm to pay in cash to get a fucking snack. fuck that shit. I left him with the hotdog and and toppings he already had put on it.

credit card companies need to go fuck themselves.

>>9924899
I ran into a hotdog stand who had square. got away with a hotdog and a soda.

those motherfuckers were smart. fuck the credit card companies

>>9926119
>Credit card companies, providing a vitally important service and employing tons of people to keep the infrastructure running and another assload of people to keep on top of changing government regulation, should go bankrupt doing it for free rather than inconvenience merchants with minor fees

Get ye fucked.

>>9926133
Yeah, square is great. I use it for garage sales. If you agree to their merchant fees, it's basically free to use and they will send you a free card reader. I use it in my small business as well.

>>9926521
Imagine being such a bootlicking corporate cuck as this guy
>bankruptcy over eliminating processing fees
You must be 12

>>9922124
>Pay cash or get out.

why should I let these assholes feel comfortable with their
credit/debit card rules? If I have no cash at the time of purchase then fuck them. I have my 16 digit card for them to receive. 7eleven happily takes may debit card or credit card transactions. and they don't charge me extra or nothing.

>>9926521
Dude, the (((banks))) and (((credit card companies))) are permitted to rape both the small business and the customers with unregulated fees and interest by buying off our whore congress. They're literally leeches sucking the lifeblood out of regular joes.

>>9926741
>wanting to force a private company to provide a free service
Imagine being such a Statist bootlicking cuck as this guy.