Visa/MaterCard/Discover/AMEX Acceptance

For just about anything you want to get off your chest about credit cards.
18 posts
mountaindewvoltage
Centurion Member
Centurion Member
 
Posts: 387
Joined: Mon Oct 10, 2016 8:40 pm

Visa/MaterCard/Discover/AMEX Acceptance

Postby mountaindewvoltage » Wed Nov 30, 2016 12:47 pm

I want to have a lengthy discussion about this.

I just purchased a sub from Subway a little while ago. The last two times I've visited that same exact location I've had no problem using my DiscoverIt credit card by use of EMV chip. Today when I went there, I tried to use my DiscoverIt with Apple Pay and it said "card not accepted." I then proceeded to tap my Citi Diamond MasterCard and it worked fine. Does anyone think the franchise owner purposely turned off support for Discover after I started using it there? I mean it doesn't look like they take AMEX at that location either since it's not posted on the door as an accepted card, but Discover never was either.

Better yet, since I have my Discover Card, and now my two AMEX cards, should I really care for those merchants (other than small family owned ones) that only accept Visa or MasterCard only? I'm thinking I should avoid those types of places since one of those AMEX's is $195 a year, plus I don't get the superior fraud and dispute resolution features a typical Visa or MasterCard offers. I don't see why car insurance companies, doctors, and chain restaurants can't accept Discover and/or AMEX when they're such high margin businesses.

Anyone else, especially AMEX and Discover cardholders have an opinion on this area? Thinking about just using Wegmans to get my subs from now on since they accept all forms of payment.


User avatar
CarefulBuilder14
Centurion Member
Centurion Member
 
Posts: 4445
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Re: Visa/MaterCard/Discover/AMEX Acceptance

Postby CarefulBuilder14 » Wed Nov 30, 2016 1:30 pm

For a purchase as straightforward as buying one sandwich in person (delivery would be another matter), how I pay is an afterthought to deciding where to shop. I'll even pay with cash if each marginal purchase is small and the merchant doesn't take CCs. I wouldn't want to plunk down $2000 cash all at once for anything, but if the last $20 cash purchase was satisfactory, I'll make another $20 cash purchase.

One acquaintance's situation a few years ago (a catering order dispute) would encourage me to use an Amex for anything complicated, especially if I hadn't bought anything from the merchant before: general-credit-card-talk-f13/12294-catering-dispute-hypothetical.html
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

mountaindewvoltage
Centurion Member
Centurion Member
 
Posts: 387
Joined: Mon Oct 10, 2016 8:40 pm

Re: Visa/MaterCard/Discover/AMEX Acceptance

Postby mountaindewvoltage » Wed Nov 30, 2016 2:31 pm

CarefulBuilder14 wrote:For a purchase as straightforward as buying one sandwich in person (delivery would be another matter), how I pay is an afterthought to deciding where to shop. I'll even pay with cash if each marginal purchase is small and the merchant doesn't take CCs. I wouldn't want to plunk down $2000 cash all at once for anything, but if the last $20 cash purchase was satisfactory, I'll make another $20 cash purchase.

One acquaintance's situation a few years ago (a catering order dispute) would encourage me to use an Amex for anything complicated, especially if I hadn't bought anything from the merchant before: general-credit-card-talk-f13/12294-catering-dispute-hypothetical.html


In the situation on your thread I wouldn't have signed the receipt because technically it's not an accurate reflection of my order (or Bob's order). AMEX probably would've sided with Bob anyways, but that unsigned receipt would've made it 100% sure that part (or even all of it if AMEX is as aggressive to merchants as I've heard they are) is returned to the cardholder, and if the manager tries to forge the signature, well he can say hello to bars in front of his face for fraud.

User avatar
CarefulBuilder14
Centurion Member
Centurion Member
 
Posts: 4445
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Re: Visa/MaterCard/Discover/AMEX Acceptance

Postby CarefulBuilder14 » Wed Nov 30, 2016 2:59 pm

mountaindewvoltage wrote:
CarefulBuilder14 wrote:For a purchase as straightforward as buying one sandwich in person (delivery would be another matter), how I pay is an afterthought to deciding where to shop. I'll even pay with cash if each marginal purchase is small and the merchant doesn't take CCs. I wouldn't want to plunk down $2000 cash all at once for anything, but if the last $20 cash purchase was satisfactory, I'll make another $20 cash purchase.

One acquaintance's situation a few years ago (a catering order dispute) would encourage me to use an Amex for anything complicated, especially if I hadn't bought anything from the merchant before: general-credit-card-talk-f13/12294-catering-dispute-hypothetical.html


In the situation on your thread I wouldn't have signed the receipt because technically it's not an accurate reflection of my order (or Bob's order). AMEX probably would've sided with Bob anyways, but that unsigned receipt would've made it 100% sure that part (or even all of it if AMEX is as aggressive to merchants as I've heard they are) is returned to the cardholder, and if the manager tries to forge the signature, well he can say hello to bars in front of his face for fraud.

Well, in that situation it wasn't an option because the restaurant manager wouldn't have handed the food to Bob until Bob had signed the receipt. Not signing would mean no food, and at least some food was necessary.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

mountaindewvoltage
Centurion Member
Centurion Member
 
Posts: 387
Joined: Mon Oct 10, 2016 8:40 pm

Re: Visa/MaterCard/Discover/AMEX Acceptance

Postby mountaindewvoltage » Wed Nov 30, 2016 8:24 pm

CarefulBuilder14 wrote:
mountaindewvoltage wrote:
CarefulBuilder14 wrote:For a purchase as straightforward as buying one sandwich in person (delivery would be another matter), how I pay is an afterthought to deciding where to shop. I'll even pay with cash if each marginal purchase is small and the merchant doesn't take CCs. I wouldn't want to plunk down $2000 cash all at once for anything, but if the last $20 cash purchase was satisfactory, I'll make another $20 cash purchase.

One acquaintance's situation a few years ago (a catering order dispute) would encourage me to use an Amex for anything complicated, especially if I hadn't bought anything from the merchant before: general-credit-card-talk-f13/12294-catering-dispute-hypothetical.html


In the situation on your thread I wouldn't have signed the receipt because technically it's not an accurate reflection of my order (or Bob's order). AMEX probably would've sided with Bob anyways, but that unsigned receipt would've made it 100% sure that part (or even all of it if AMEX is as aggressive to merchants as I've heard they are) is returned to the cardholder, and if the manager tries to forge the signature, well he can say hello to bars in front of his face for fraud.

Well, in that situation it wasn't an option because the restaurant manager wouldn't have handed the food to Bob until Bob had signed the receipt. Not signing would mean no food, and at least some food was necessary.


Would've went right to McDonalds and ordered $300 worth of quarter pounders and actually got fries with them.

User avatar
CarefulBuilder14
Centurion Member
Centurion Member
 
Posts: 4445
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Re: Visa/MaterCard/Discover/AMEX Acceptance

Postby CarefulBuilder14 » Wed Nov 30, 2016 9:24 pm

mountaindewvoltage wrote:Would've went right to McDonalds and ordered $300 worth of quarter pounders and actually got fries with them.

The order wasn't actually for burgers and fries. The proposed alternative was not actually asparagus. The real order was more complicated - I just picked those items to make the story easy to follow as background for a question about dispute resolution when there's a signed receipt.

But any other restaurant would need some time to prepare that volume of food, and he was in a rush. Going elsewhere was not a practical option.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

User avatar
PhillyPhoto
Centurion Member
Centurion Member
 
Posts: 155
Joined: Wed May 13, 2015 3:32 pm
Location: New England

Re: Visa/MaterCard/Discover/AMEX Acceptance

Postby PhillyPhoto » Thu Dec 01, 2016 7:38 am

mountaindewvoltage wrote:I've had no problem using my DiscoverIt credit card by use of EMV chip. Today when I went there, I tried to use my DiscoverIt with Apple Pay and it said "card not accepted."

Did you try at all to use the physical card again? You're not truly comparing apples to apples in this scenario.

mountaindewvoltage wrote:I don't see why car insurance companies, doctors, and chain restaurants can't accept Discover and/or AMEX when they're such high margin businesses.

It's twofold. AMEX, and maybe Discover too, charge higher interchange fees. Also, there are more MC/Visa's in the world. So some would rather not have to pay the higher fees to accept cards that aren't as prevalent. If you have Square, or something similar with a flat fee for any type of card, then that makes your customers happy, because they can use whatever is in their wallet. But most larger legacy stores already have a POS in place, and don't want the hassle.
Main Cards:
Amex: Ameriprise Plat, Surpass
Chase: Hyatt

Sock drawer Cards:
Amex: HHonors
Chase: Amazon Rewards, Freedom
Citi: Macy's Amex, Simplicity, ThankYou
Citizens Bank: Cash Back Plus World
Discover: it
Elan: Bank Rewards
Synchrony: PayPal

755 Eq (12/16)|748 TU (12/16)|726 Ex (1/17)

mountaindewvoltage
Centurion Member
Centurion Member
 
Posts: 387
Joined: Mon Oct 10, 2016 8:40 pm

Re: Visa/MaterCard/Discover/AMEX Acceptance

Postby mountaindewvoltage » Thu Dec 01, 2016 11:14 pm

PhillyPhoto wrote:
mountaindewvoltage wrote:I've had no problem using my DiscoverIt credit card by use of EMV chip. Today when I went there, I tried to use my DiscoverIt with Apple Pay and it said "card not accepted."

Did you try at all to use the physical card again? You're not truly comparing apples to apples in this scenario.

mountaindewvoltage wrote:I don't see why car insurance companies, doctors, and chain restaurants can't accept Discover and/or AMEX when they're such high margin businesses.

It's twofold. AMEX, and maybe Discover too, charge higher interchange fees. Also, there are more MC/Visa's in the world. So some would rather not have to pay the higher fees to accept cards that aren't as prevalent. If you have Square, or something similar with a flat fee for any type of card, then that makes your customers happy, because they can use whatever is in their wallet. But most larger legacy stores already have a POS in place, and don't want the hassle.


How is the first part not apples to apples? It is apples to apples... It shouldn't matter whether I try to use the physical card or contactless through my phone, it's the same exact card, so it should work with Apple Pay. I'm guessing the franchise owner is a cheapo and shut off Discover acceptance as soon as he saw the transaction records at his restaurant. It doesn't matter anymore... I'm going back there one last time to use my Subway points to get a free sub and then I'm done with that location. My AMEX PRG card arrived today and I'm done with merchants who won't accept that payment network. If you're not a small business but rather a large one like Subway and can't accept the "big four" you're a loser merchant in my book. I mean c'mon, you're literally saving 1-1.5 cents per dollar by not taking AMEX or Discover.

User avatar
CarefulBuilder14
Centurion Member
Centurion Member
 
Posts: 4445
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Re: Visa/MaterCard/Discover/AMEX Acceptance

Postby CarefulBuilder14 » Fri Dec 02, 2016 1:01 am

There could, in principle, be a problem with your phone or the Apple Pay network...something that isn't Discover's fault or the merchant's.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

mountaindewvoltage
Centurion Member
Centurion Member
 
Posts: 387
Joined: Mon Oct 10, 2016 8:40 pm

Re: Visa/MaterCard/Discover/AMEX Acceptance

Postby mountaindewvoltage » Fri Dec 02, 2016 1:25 am

CarefulBuilder14 wrote:There could, in principle, be a problem with your phone or the Apple Pay network...something that isn't Discover's fault or the merchant's.


Neither because I used my Citi Diamond Preferred card five seconds later and it worked fine. I think it's just the cheap franchise owner.



Return to “General Credit Card Talk”

Who is online

Users browsing this forum: No registered users and 3 guests