this post was submitted on 24 Jul 2025
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We have one. We don't use it for credit cards but we could if we wanted to. We use it for debit transactions.
And it is orders of magnitude cheaper for retailers than credit cards.
The problem is there's no incentive to use it, as you don't get the kickback your credit card provides. I'm not sure how the CC duopoly tricked us into disallowing retailer cash/debit discounting.
Simple. Part of the merchant agreement with someone like MC or Visa is that you'll pay them 3%, but not tack it on as a visible fee for the purchaser, or offer discounts for non CC transactions. So a merchant could do so, but they run the risk of the CC company terminating their agreement and perhaps suing them.