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Merchant will not comply with Visa policies.

Posted Mon November 30, 2009 5:43 pm, by Chad G. written to Visa International

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Dear Sir or Madam,

I am writing to inform you about a merchant not in compliance with your card acceptance policy. On 11/30/09, I visited Movie Magic Cinemas, located in Bangor, Maine. When I attempted to use my Visa branded debit card for a movie ticket, I was told that their minimum purchase requirement was $5.00. Please note that being a second-run theater, their most expensive ticket is $3.00. I chose not to argue with the clerk as it was likely not up to him, but after an internet search that pointed to your website, my belief was confirmed that you do not allow merchants to set a minimum purchase requirement.

I understand that is costs the merchant a percentage to accept Visa cards, but if they are going to display your logo on their door, I believe they should honor all valid cards. I was later allowed to use my card to purchase concessions totaling $5.75.

Here are the details from my purchase receipt for your records:
Merchant:88430027518
Invoice: 3018980
Approval:202135
Card: ************7535

Let me make it clear that I am not upset with Visa, this letter is to your benefit, to let you know of a merchant who I believe is violating your policies. I was lucky to have some cash on me to purchase the ticket. I prefer not to carry cash for security and sanitary reasons.

There is nothing specific I would like Visa to do. As I have already stated, this is just to inform you of a non-compliant merchant.

Thank You for you time and attention to this matter.

Sincerely,
Chad G.
Brewer, ME


Reply



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by donald b. Posted Wed September 8, 2010 @ 2:41 PM

You just need to find a good website that is href="http://www.payvision.com/index.htm">accepting international
credit cards as well as domestic credit cards!

Reply

by Chadg Posted Wed December 2, 2009 @ 11:43 PM

Got a reply from visa today:

Dear Chad Gervais,



Thank you for contacting us. Visa has certain regulations that all
merchants which accept Visa cards must follow. Visa merchants are not
permitted to:



Establish minimum or maximum transaction amounts, even on sale items.




Submit a Visa sales draft for a dishonored check.



In general, pass on the merchant's transaction fee to the cardholder
as a Visa "service charge," "service fee," or "surcharge," even on
sale items. A merchant may offer a discount for cash however, the
cardholder must be made aware of this prior to entering into the
transaction.



Require a Visa cardholder to sign a sales draft that does not have a
specific amount indicated.



Merchants may not refuse to honor a Visa card simply because the
cardholder refuses a request for supplementary information/ID.



Please contact the disputes area at the financial institution that
issued your card account of any merchant practices that you feel are
inappropriate. Your card issuing bank has access to the appropriate
Visa rules and regulations as well as to the Notification of Customer
Complaint forms which should be used by your bank to document and file
merchant complaints. It is not necessary for your bank to be the
offending merchant's financial institution in order to file a
complaint for you.




Reply

Visa Passing The Buck? by Fairbank R. Fri December 4, 2009 @ 3:28 PM

Kinda sounds that way... by Kalphoenix Wed December 9, 2009 @ 5:21 PM


I would call my credit union, but, the merchant contract is with visa, not my CU. n/t by Chadg Sat December 12, 2009 @ 10:20 PM

by PepperElf Posted Wed December 2, 2009 @ 3:14 PM


Reply

by Kalphoenix Posted Tue December 1, 2009 @ 6:15 PM

Again, I'm not sure if this policy is still in place, but when our
theatres first started accepting some credit cards around ten years
ago, there was a minimum charge allowed. I don't think it's still in
place, but the price of tickets and concessions has gone up
substantially too, so that might be a reason for dropping the minimum
charge.

At the time, we would have to direct customers to the ATM in the
lobby.

Maybe their system didn't allow it, but if it wasn't that busy, it's
too bad they couldn't find a way to finagle combining your two
purchases (Such as putting the amount you wanted to spend on
concessions on a gift card AND paying for the ticket at once). It
would have taken extra time though, since the customer would have had
to decide on concessions before purchasing a ticket (which I know
isn't always possible, given the layout of a theatre).

Reply

by Nate. Posted Tue December 1, 2009 @ 2:21 PM

I agree.
I hate minimums, surcharges, and when people ask for ID.

Reply

"I hate... when people ask for ID". I agree. How dare they try to protect us? by Steve OH (IO) Thu December 3, 2009 @ 8:26 PM

by RedheadwGlasses Posted Tue December 1, 2009 @ 12:36 PM

I completely side with the business (there are transactions so small,
the business will actually LOSE money if they allow plastic to be
used).

But ratting them out to Visa? Tres tacky.

I would like to see small businesses join together and force Visa to
make exceptions for small businesses, to allow them to require a
minimum purchase before using a debit or credit card.

The biggest users of plastic for tiny purchases are people under 30.


Reply


Its the contract they signed! by Chadg Tue December 1, 2009 @ 1:32 PM


Tacky? Ratting out? by Nate. Tue December 1, 2009 @ 2:08 PM


That's your opinion by RedheadwGlasses Tue December 1, 2009 @ 2:14 PM


I wouldnt have a problem if visa allowed them to do that, but this is an issue of not obeying a contract, its the principle, not the money. by Chadg Tue December 1, 2009 @ 3:44 PM

Sorry, but while you by Mundo Cani D. Tue December 1, 2009 @ 4:59 PM


Red doesn't have time to spend while standing in line for a hot movie by olie Wed December 2, 2009 @ 12:03 AM


Depends on how much time it takes. by Just Simply Bella Sera Wed December 2, 2009 @ 1:56 PM

But I think the point is... by InsuranceAgt Thu December 3, 2009 @ 7:57 AM


Thank You, that was EXACTLY what my point is! by Chadg Thu December 3, 2009 @ 11:49 AM

"if they didnt want to accept visa's terms and conditions, they didnt have to sign on". by Steve OH (IO) Thu December 3, 2009 @ 5:18 PM

Fair or not.... by jeishere Fri December 4, 2009 @ 2:02 PM

While the stores may lose money by Mundo Cani D. Tue December 1, 2009 @ 4:55 PM


Look at all of the ads for Visa/MC/Disc/Amex that show you getting rewards by olie Wed December 2, 2009 @ 12:12 AM

Not Tacky! by DeeM Mon December 7, 2009 @ 6:19 AM

by Retail Veteran Posted Mon November 30, 2009 @ 11:30 PM

If the tickets are that cheap, why not simply pay cash? There are
plenty of stories of people who end up getting hit with fees from
their banks because they used their debit cards for everything and
lost track of the balance. I never use my debit card for anything less
than $15 or $20 purchases.

Reply

I think he said no cash for sanitary reasons! by Marty5223 Tue December 1, 2009 @ 8:29 AM


i did.... by Chadg Tue December 1, 2009 @ 9:04 AM

Changes to fees by jeishere Tue December 1, 2009 @ 9:32 AM


my bank already does that. nt by Chadg Tue December 1, 2009 @ 11:07 AM
by KGBags Posted Mon November 30, 2009 @ 8:17 PM

Interesting issue...I certainly understand that it isn't profitable
for stores to pay the visa or mastercard processing fee on a small
purchase, it seems that if you take those credit cards, you should
take them without restrictions.

Some stores, like Costco, decline to take visa and mastercard as they
charge a fee per transaction. Thus, they accept debit and take
discover, which doesn't charge a fee.

It would be nice if visa would at least address the issue with a
letter, etc. What a tricky situation!

Reply


profitability... by Chadg Mon November 30, 2009 @ 8:29 PM


The two first-run theaters in our city are *cash only* by olie Mon November 30, 2009 @ 9:07 PM

Costco accepts American Express, too by Mundo Cani D. Tue December 1, 2009 @ 4:50 PM


Re: Merchant will not comply with Visa policies. by Donno Mon November 30, 2009 @ 6:19 PM


i was a cashier at walmart last year, i had people buy those 25 cent packs of gum on credit! by Chadg Mon November 30, 2009 @ 6:23 PM


Excellent! by Donno Mon November 30, 2009 @ 8:22 PM


I use credit for everything by Nate. Mon November 30, 2009 @ 9:01 PM


Tipping housekeeping. Paying the teenage babysitter. Paying the kid who shoveled your walk by olie Wed December 2, 2009 @ 12:31 AM


Just an FYI, by Just Simply Bella Sera Wed December 2, 2009 @ 8:13 AM


considering what it costs to park in a metered space..... by olie Fri December 11, 2009 @ 2:47 AM
by gb Posted Mon November 30, 2009 @ 8:39 PM

every single time you swipe your card, the merchant pays a fee on it
and a percentage of the sale! These factors are being built into the
prices of products. swiping a card is not free!

Reply
by Marty5223 Posted Tue December 1, 2009 @ 8:39 AM

I am with the others on using my cards for everything. I much rather
just pay one online payment each month. I never have to roll change
any more. Plus if I get awards on my card purchases it adds up. Plus
warranties increase, price guarantee, replacement if damaged or stolen
and so forth.



Those card fees are from 4% to 7% of purchase with Discover and AM X
being the highest cost for use to a business.

I much rather pay the fee in a purhase for this than for someone
shoplifting. Theft both internal and external is added in the prices
of merchandise we buy.

Reply


Just to let you all know before Rowdy gets here, this was a DEBIT card, linked to money in my bank account, i DO NOT use credit. n/t by Chadg Tue December 1, 2009 @ 9:06 AM


by Just Jeffrey Posted Mon November 30, 2009 @ 6:11 PM

This came up a couple of weeks ago. While it's against Visa policy,
there is little they will do about it.

There are thousands and thousands of merchants that get away with
this.

Visa will step in only if they feel that their brand is seriously
being harmed.

Reply


What happened a couple weeks ago was the ID issue at radioshack.... by Chadg Mon November 30, 2009 @ 6:14 PM


I know by Just Jeffrey Mon November 30, 2009 @ 6:19 PM




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