[fredophile]

As a consumer in the US I always pay with a credit card when I can. The businesses have already baked the credit card fees into their pricing so I might as well get a few percent back from my card plus the extra purchase protection, etc.

[dylan604]

There are companies that offer lower prices when paying cash/debit specifically to only charge the credit card fees to those using credit cards.

It used to be a big thing in the US at gas stations where they advertised the 2 different prices. I don't know the details, but at some point that stopped happening. I was under the impression some rule change, but it is making a come back. I don't know if some consumer protection laws were made the revoked or whatnot, but it is possible to not have to automatically be charged for credit card fees if you're not using credit.

[jonasdegendt]

> It used to be a big thing in the US at gas stations

Hah, as a European that lived in California for a while this always seemed so odd to me. I just dug up a picture of my car that I took at a gas station, and there's prices in the background: Cash $2.94, Credit $3.11, for regular gas, and the date on the picture is the 4th of July, 2017. That's quite the difference but roughly in line with credit card fees.

It makes sense that gas stations would do this, it's a pretty slim margin business.

[hakfoo]

In some situations, there is an allowance to demand a surcharge for accepting a card. It comes with very narrowly standardized rules, because it basically is supposed to be "exactly the cost to accept the card".

From what I've seen it turns into a compliance mess outside of in-person retail, because many states have regulations and gimmicks on top of it, and the system will end up kicking out a rejection code if you ask for the wrong amount, or on the wrong customer. It's obviously intended that you just bake the cost in for everyone because that avoids people blaming the card networks for higher prices.

The only time I've seen it in person was when I went to make the initial payment on an auto lease; the dealer had a sign up saying that there would be a 3% credit surcharge, which exceeded the 2% cash back I expected from Citibank, so I used a debit card instead.

[ghaff]

You still sometimes see this. My understanding is that it's usually against merchant credit card contracts however. You also used to see cash only stations but that's almost certainly vanishingly rare these days.

[dylan604]

based on experiences with vending machines, could you imagine the nightmare of cash only pay-at-the-pump? <shudder> we'd have gas lines like the 70s not because of shortages, but just from people trying to pull their bills along the corner of the pump to flatten them out.

[mixmastamyk]

Doesn't preclude a cashier that typically still exists. Also Arco had cash machines up until a few years ago and I never encountered a line at one.

[dylan604]

psst, look up. over your head was a joke. nothing to be taken seriously. we have cashierless grocery stores, hardware stores, and every other store. why would you think a late night 24/7 gas station wouldn't go cashierless too?