- Centurion Member
- Posts: 1141
- Joined: Sun Jan 26, 2014 3:55 am
- Location: US
I don't have any answers, but I've often wondered about signage and acceptance. I live in the states where it is largely straightforward, but have had some weird experiences.
I'd speculate that a lot of businesses (or at least smaller ones where they don't have everything dictated to them from the corporation/franchisor) just don't pay too much attention to the signage they post. Maybe they get some free logos and just post them. I've seen plenty of places with multiple signage posted that have discrepancies (like a sticker here with Visa/MC only and a decal there with Visa/MC/Discover at the same merchant).
I also wonder if it is common to be physically capable of swiping any type of card (just based on the equipment being used), but refuse to accept one because of the higher costs. I don't know much about how the agreements work and the middle men that provide the equipment to process, so I could be way off base. I realize this isn't universal: I recall one place (my city when paying the utility bill - they don't add fees) where I would hand over my Amex, they try to swipe it, then come back and say "oh sorry, we don't take this." I've resorted to handing the merchant the card I want to use without asking in hopes they'll just swipe it.* Otherwise, I have come across places where they say it's not accepted and don't want to swipe it - even when I know it isn't the case. I paid a relative's bill on my Discover every month, and once I got a woman that said they didn't accept Discover even though I had used it multiple times in the past AND they had Discover acceptance posted. So maybe there is a lot of manager/owners discouraging Discover/Amex use just because of the fees?
I swear Discover used to have a page where you could report a merchant that doesn't take the card so they could market to them. Does anyone know if they still do this and how to get there on the website?
*If it is a smaller/locally owned merchant I'll gladly to use something else. There are a few restuarants I frequent that don't take Amex, for example, and if it saves them a little in fees I am happy to use Discover even if they are technically able to process the card. If a place decides not to take a card that is well within their rights and I have no problem with it, but the signage is a mess at a ton of places.
EX - 804 (9/16) | TU - 803 (10/16)
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now