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Who is “Robbing” who?

Payment Gateway

I have felt compelled to write about this for some time now.

You see, in my neighborhood there are many small stores and these stores primarily will not accept bank cards when someone wishes to pay for their items. Many times it’s a specific amount that one has to purchase in order use a bank card or they just flat out say “No”, they don’t accept them.

Now comes the worse part! All of these perpetrators have an ATM machine that they send people to so that person can get the cash for their purchase, and as a result the customer must now pay fees that the store owner is not willing to pay. The customer does not have a sundry account that they can place these fees towards for future write off against earnings. I wonder if these practices are condoned by our many city officials and thus this gouging of the citizenry by our local merchants is overlooked. The bank fee that any business will incur is just the cost of doing business. Any business that is unwilling to accommodate its patrons that are using bank cards to purchase $5, $10 Dollars or more worth of goods, need not have that person’s patronage anymore.

Sad part is that many customers are just willing to go along with whatever and whenever.

Minimums on purchases

There really is no such thing as a “Minimum” dollar amount one has to have before they can use their bank card when making a purchase. When a merchant tells someone that they have to purchase a certain dollar amount in goods before they can use their bank card is just lying to that customer. Many of the merchants are simply not willing to incur the expense and are just telling the consumers anything in order to get out of what they, themselves, are unwilling of incurring as an expense. It would seem that we really do have that replacement in our neighborhood “sucking the marrow” out of the bones of the people. An educated consumer is truly the best customer and the people need to be educated. Does one walk back and forth in front of the various establishments with a sign expressing ones discontent? Would educating one another to the shady practices or the local merchant make a difference? Does it matter at all? Fees are charged and that’s how banks are making their largest comeback after being bailed out by the very public they wish to fleece. The banks fleece the businesses, the businesses fleece the public and the politician turns a “Blind” ear and a “Deaf” eye.

Does a solution await us?

While John and Jane Q Public are screaming that they want “their” country back, the powers that be are simply putting in place a facsimile of the country the people really want back, all the while the real McCoy is being “sold American”. There are countries that are being bombed because they are not willing to pay the exorbitant prices the bankers are charging for fiat currency. The same people are telling us that the price of gas has increased because of what is going in the so-called Middle East. I had always thought that 2/3rd’s of the petroleum America consumes comes out of Canada. Now – how and why does 1/3rd of a product make that much of an impact on prices? Why isn’t there a real regulatory commission around to stop these “Robber Barons” from fleecing the USA Citizenry? But when you’re down with the get down you don’t make waves and mess up your own gravy train. It’s a sad commentary that we as a country are so willing to protect someone else’s interest abroad and our own interests domestically are continually ignored.

But truly I digress!

What can we do as consumers to get these guys to see that we are really all in this thing together?

Seayson Enterprise is an independent representative of MaHarris and Company. For more information on any of our services and products contact me at your earliest convenience (973) 689-9995

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  1. June 19, 2011 at 9:21 am

    Charles,

    I agree that the minimum payments are a nuisance. However, a lot of the small retailers who do this work on such a small margin that a few pennies here and there help them keep there business. I have done a little work in credit card processing. The fact is that the credit card processors charge something like 2% plus $.30 for every transaction. As a retailer you look at that and say if most of my transactions are below $10 and I am only profiting $1 per transaction anyways from that, then why should I give up half my profits to a credit card processor.

    Andy

    • June 19, 2011 at 10:59 am

      Andy,
      Thanks for bringing that point up about processing fees the banks charge the small business and how that small business sometimes is unable to handle incurring such an expense. Many gas stations will charge a price for “Cash” and another price for “Credit/Debit”. Being creative is something a store owner can implement when it comes to keeping a customer satisfied and coming back. However, in many communities, the many patrons to these smaller types of businesses are pretty much “captives” and victims of other businesses robbing from each other.

      Charles

  2. June 20, 2011 at 2:37 pm

    Hi Charles,
    Very thought provoking article! I’m glad I read Andy’s comment first because I was also going to mention the small margin’s most of these businesses have to survive on. I live on an Island and part of the charm when we first moved here were all of the small multi-generation mom and pop stores. Sadly, most are gone now because they simply couldn’t compete. Maybe if our law makers focused more attention on issues supporting small business there wouldn’t be a reason to require purchasing limits.

    • June 20, 2011 at 3:33 pm

      Hello Marquita,
      Thanks for pointing out what our lawmakers should look into in regards to the small business.

      When I have to 1) go to an ATM and 2) get cash, 3) incur an expense and thus have my spending power subsequently reduced i have a problem with the process. Marquita, I don’t just want to complain, I would rather be in the solution and be able to offer same to our local merchants and that’s exactly what I do when I talk of the benefits of our program(s). We need to make it easier for that “local” merchant to compete or would that be akin to a socialist agenda when you make sure the little guy is able to survive?

      Charles

  3. June 21, 2011 at 9:11 pm

    I guess that would be a problem for me, except that I never use a credit card when shopping. We have only one credit card for the family, and it’s mostly used for online shopping. Thanks for opening my eyes to a perspective other than my own narrow one.

    Willena Flewelling

    • June 22, 2011 at 3:37 pm

      Hello Willena,

      Thanks for responding to what I had on my mind. It’s not the small business owners fault for reacting to a sad situation with even more sad behavior, especially when they feel it’s the only response to their “dilemma”. Your viewpoint isn’t “narrow” in the least. I find that when I have gone to that same merchant with our Merchant Account solution and received what I “deemed” unsatisfactory responses to my proposal, it is my perspective that has been narrowed and the post “Who is “Robbing” who?” is just my way of getting the help I need.

      Thanks for stopping by,

      Charles

  4. June 25, 2011 at 7:48 pm

    Charles, You have raised very solid concerns here. I live in a small town where I don’t run into that problem very often of being charged a small fee to use my credit card. I have been charged 45 cents to use it to buy gas at a convenience store in a nearby bigger city. So, I solve that by not going there. Simple.
    All in all, we do live in a pretty good country. I have lived overseas and you would be amazed at what goes on over there!
    Thanks for opening our eyes to these concerns.
    Lynn

    • June 29, 2011 at 6:23 pm

      Hey Lynn,

      I live in an “urban” area and there are a lot of people who are on fixed incomes – Social Security, and some might receive assistance from family members who give them access to a credit/debit card. The ATM’s in these neighborhoods are charging over Two Dollars to access cash that a merchant isn’t willing to incur what our company would charge them, which is less 1% of sale price. Now that same store owner gets to write that fee off against earnings. But in our neighborhood we need more education for the consumers and definitely more of a choice.

      Charles

  5. June 30, 2011 at 10:55 pm

    I understand exactly where your coming from Charles.

    Fees in general are a simple way for companies to take a piece of the action.
    It’s unfortunate but it’s all business. I don’t blame these small businesses for
    trying to find ways to cut costs.

    Thanks fir sharing 🙂

    • July 6, 2011 at 3:35 pm

      Yes, John it’s about their bottom line and how can they reduce costs so they can continue to stay in business. But there has to be a better way and a more economical method for ‘regular” people to transact business, especially in these depressed financial times. When an opportunity to lower fees comes around, just take a look and consider the possibilities. An educated consumer is not only a better customer but a dangerous one to the fiscal health of any business.

      Charles

  6. July 1, 2011 at 1:56 am

    Your concerns are concrete. Have you spent any time on research locally to see how John Q Public really views this situation? You may find many are unaware and of those that are aware many believe they have no power to change the situation. I am one that will always believe in peace so I know there is a peaceful solution to this issue. Maybe what your company has to offer is the key to a brighter future for all….

    Peace –

    Terrific Tonya Heathco
    National Seizure Disorders Foundation
    http://nationalseizuredisordersfoundation.org

    • July 6, 2011 at 3:39 pm

      Tonya,
      As a result of my writings, people in my sphere of influence have actually taken notice. I really didn’t expect that at all. I write to exercise that creative side I recently found. I have been asked to participate in the educational aspect of community involvement and a topic like this will come out. It is imperative that merchants know what is available to them and the consumer know about solutions and the power they themselves wield. It is my hope we can truly make a difference.

      Charles

  7. August 23, 2011 at 4:53 pm

    Hi Charles,

    I understand your frustration and it seems especially aggravating that most people just shrug it off even though those fees can really add up. I know that small business operates on a small margin and agree that lawmakers don’t seem too excited about being “in” a solution that would be beneficial for both the people and the small business. Maybe placing an ad in the local paper to make people aware and/or bring it up in a town or neighborhood meeting and start from there in terms of both educating people and finding a solution that’s good for everybody. Although some of these decisions take place about your local level, you can maybe start by leveraging your local community to then act on the next level up and so forth.- Rob

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