alt Hacker NewsTo be more specific, this is a US credit card topic.
Debit card fees are capped in the US, yet I’ve never received a discount from a merchant for paying with debit instead of credit.
As such, I just pay with credit and have never understood this argument.
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It's not unheard of. Gas sometimes. My car dealer for one. (Whether it's a credit surcharge or a debit discount is semantics.) Though with the cashback on my usual credit card I use for domestic credit card purchases, the difference is pretty much not worth worrying about.
In NYC, most independent shops give a debit card discount / credit card surcharge.
> As such, I just pay with credit and have never understood this argument.
Because the merchant pass the higher processing cost to all customers.
Places around me have been starting to itemize the credit card fee. Only car dealerships so far have waived the fee for debit over credit in my experience.
Until 2013, visa and Mastercard forbade merchants from charging more for credit card payments if they accept their credit cards.
Once ever I was requested to either pay cash or via debit in a cafe in Montreal
Good for you as you're smart but less smart people don't do this and then get scammed legally.
That's what makes it a wealth transfer, from debit card users to you.