Minimum spend to use a debit card?

17 replies
Found 3rd May 2008
Today in town i got caught 3 times by a minimum spend to use a debit card.
1st was Gamestation - minimum spend £5.50
2nd - Purrfect Pets - minimum spend £5
3rd - The Range - minimum spend £5

Has this been going for sometime, or is it something new as it's the 1st time i've been caught out, and to happen 3 times in a couple of hours........

You never see this from an online retailer....

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17 Comments

It differs from store to store, they all have their own policies I think.

As far as I am aware,there is a charge for using cards which the retailer absorbs themselves rather than charge the customer.......hence why some places have a minimum spend policy,it would probably cost them to sell the item to you if the profit margin on the item is small.

caught out couple of weeks go without cash in mcds (for the kids) paid by card
as emma said depends what shop - i think smaller shops tend to have a minimum usually £10 sale

Original Poster

I've read somewhere that a transaction charge of between 2 - 3% is levied.
Thus for a £2.50 spend, it would cost the retailer 5/6p - so they would rather lose future custom then pay a few pennies........ madness i tell you.

HSBC...

# 2% of every credit card transaction.# 25p for every debit card … # 2% of every credit card transaction.# 25p for every debit card transaction.# 2% of every non-UK debit & credit card transaction.

Had to buy a bottle of water for kids other wk,49p in Woolworths,got to till and no coins,nowt,had to use debit card,god.

Holland & Barrett is def £5 I know.
Charity shops don't like taking if under £5-10 depends which one.

Banned

Why not get cash out if spending small amounts on a shopping trip? Its much quicker and cuts down the queues.

In ours its £1.00 to be homest, thought it would be the same everywhere

I was having a hectic day the day I paid for the water with the debit card,otherwise I would gone and got £10 out of atm,i wouldn't usually use a debit card for those sort of amounts.

saintscouple;2019960

I've read somewhere that a transaction charge of between 2 - 3% is … I've read somewhere that a transaction charge of between 2 - 3% is levied.Thus for a £2.50 spend, it would cost the retailer 5/6p - so they would rather lose future custom then pay a few pennies........ madness i tell you.



I understand what you mean about future custom, but a customer spending £2.50 isn't one that they are going to go out of their way to retain.

They usually state this on a sign by the till, if they don't ask them why.

It depends on the shop, a small shop usually has to absorb a higher fee than a big chain of stores. It's one reason why you see so few corner shops, etc with a CC terminal even though they are so easy to get. There would be so many people complaining they can't buy a 40p chocolate bar with their card, the injustice, etc.

We will take debit card for anything at WH Smith... we just want your money!

most of the supermarkets have no minimum spend....I very rarely have change/cash on me, if I have notes the missus swipes them, small silver and coppers I give to the girls, I save 20p's so that leaves 50's and nuggets...and if I have £1.50 i spend it on 2for1 coke zeros...therefore no cash in wallet usually.

Original Poster

thesaint;2020147

I understand what you mean about future custom, but a customer spending … I understand what you mean about future custom, but a customer spending £2.50 isn't one that they are going to go out of their way to retain.They usually state this on a sign by the till, if they don't ask them why.



Purrfect pets, and The Range were impulse buys. You know how it is, it's starting to rain so you go in for a look around and end up buying something... or not in this case.
There were no signs up in any of these stores, and each one i did ask where does it state the minimum spend.
Gamestation let me pay by card, the other 2 refused with an answer of "We don't have to display it".

I understand that small local buisnesses would have a minimum spend, but these are fairly big retailers whom i thought would absorb any transaction charge as a matter of course.

saintscouple;2020607

Gamestation let me pay by card, the other 2 refused with an answer of "We … Gamestation let me pay by card, the other 2 refused with an answer of "We don't have to display it".




If anyone replied with that answer to me, I would ask to speak to a manager, especially if it were a chain.

Got to be worth a voucher.

Banned

most shops will pay anything between 25 and 50p per debit card transaction, depending on the volume of sales they do by card.
On some items I sell, my gross profit margin is 20 - 23p (on a lot of £1 lines)
There's no way I would take a debit card for a sale of less than a fiver (especially if they included £1 items) as the fee's would wipe the profit out (or in the case of a £2 sale would leave me a loss).
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