[i88y6]

That was the first thing I asked the barista once I became a regular and tipped Them: do you actually get these tips? She reassured me they did.

What bothers me is the ACH networks still get their cut of the tip (assuming they get a percentage of sale and not a flat rate). No visa, you don't need 5% of the waitress hard work.

[gamblor956]

You could choose to ditch the credit cards and just go cash only. Of course, you'd have to deal with your customers spending significantly less money. Plus you'd have to deal with the extra security costs of collecting, storing, and moving that money to the bank.

The reason that vendors accept credit cards is because it's usually worth the additional costs. If you don't think your credit card processor is worth the cost, try dropping them and seeing how it affects your sales. In some instances, vendors have dropped processors entirely (like Amex and Discover) without noticeably impacting their bottom line.

[ballenf]

If it makes you feel better, you paid Visa not the waitress. You just subtracted that amount from what you left the waitress.