What Really Grinds My Gears: Gas Stations That Have "Cash" Prices

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Engineer

Elite Member
Oct 9, 1999
39,234
701
126
Because, the credit card companies have to maintain servers and the service to ensure the card authorization goes through, and as with anything not done by the company itself, you are paying more for that.

And, because they can. Consumers have come to expect this convenience to exist, and the card companies know this. A place of business can accept the fee or potentially lose business.

This...more than anything else. The rates charged are, IMO, far too high but it seems that they all charge about the same rate...almost like it's agreed upon between the companies providing the credit.
 

Red Squirrel

No Lifer
May 24, 2003
67,937
12,384
126
www.anyf.ca
It was never illegal. CC companies used to penalize retailers if they tried this and would threaten to pull their ability to process credit cards as a part of their agreements but a lawsuit and court ruling in favor of the retailers forced the cc companies to remove that language from their agreements. Perfectly legal.

If enough consumers don't like the practice they will stop shopping at said retailers and it will go away.

Same idea, may not be an official law, but basically, they could not do it. If you can't do something, it may as well be called illegal. If you do that thing then you get penalized. Kind of like dividing by 0 is illegal. You can't do it.

Though it seems they let this slide by for gas stations in the states. I'm not sure if you could get away with that here even if you just try to call cash a discount, the bottom line is, you're charging more for credit card transactions.

That said I find it ridiculous how credit card companies charge retailers so much. We live in an electronic money world, electronic transactions should be next to free. They save everybody time.
 

SteveGrabowski

Diamond Member
Oct 20, 2014
7,130
6,001
136
LOL CC users who think people who pay with cash should subsidize their airline miles and rewards programs. Every business should charge you guys the true cost of using your cards. Credit cards are so annoying for small business owners to deal with, since not only are they vampires sucking up a few points on each transaction, but the owner also has to wait to get paid. You want the convenience, you should pay for it.
 

Joepublic2

Golden Member
Jan 22, 2005
1,114
6
76
Cash is king, yo. A lot of these places prefer cash as well because it makes it much easier for them to get creative with the book keeping. I shouldn't have to subsidize your electronic payment usage fees, either.

Finally, how am I supposed to buy drugs if people stop using cash? I know one coke dealer who takes credit cards but they have a front business so they can ring it up as services rendered. No way is your average weed dealer going to have their shit together enough to ever pull off something like that, though.
 

Jeff7

Lifer
Jan 4, 2001
41,599
19
81
LOL CC users who think people who pay with cash should subsidize their airline miles and rewards programs. Every business should charge you guys the true cost of using your cards. Credit cards are so annoying for small business owners to deal with, since not only are they vampires sucking up a few points on each transaction, but the owner also has to wait to get paid. You want the convenience, you should pay for it.
What about the part where you are effectively telling credit card users "We'd rather have 0% of your business"?



By the way, can someone explain why credit/debit sales actually cost more to process? Cash: cashier in the store. Someone has to count the cash in the drawer at the end of the shift. Someone has to count the cash again prior to depositing it. Someone has to transport the cash to the bank. Someone at the bank has to count the cash.

Credit/debit: someone pushes a couple buttons once a day, the rest is done electronically. How the hell does this add 3% to the cost of every transaction?? If 100% of customers paid with credit/debit at the pizza shop, that would save 1/2 an hour or more of employee time each day.
"Because we can."
Ticketmaster: Convenience fee, because screw you.
Waste Management: New customer uptake fee, because adding another revenue stream is too damned expensive.
Skype: A connection fee in addition to the per-minute rate. Do Internet routers dislike being taken away from a coffee break?


I'd guess that some of it has to do with dealing with the cost of fraud and data breaches, and then of course bowing to the almighty shareholders who only give a damn about short-term performance.
I'm on my third card of the year. Someone in Virginia started buying shoes using my card number, then a swath of cards were replaced when Home Depot's server breach happened...can't remember the other one.

Maybe some day we'll start using that secure chip thing that I've heard about. Until then, it's decades-old magnetic stripe technology and an illegible scribble.
 
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Red Squirrel

No Lifer
May 24, 2003
67,937
12,384
126
www.anyf.ca
Cash is king, yo. A lot of these places prefer cash as well because it makes it much easier for them to get creative with the book keeping. I shouldn't have to subsidize your electronic payment usage fees, either.

Finally, how am I supposed to buy drugs if people stop using cash? I know one coke dealer who takes credit cards but they have a front business so they can ring it up as services rendered. No way is your average weed dealer going to have their shit together enough to ever pull off something like that, though.

Most of the meth distributors I cook for accept CCs and debit from their dealers too and they also pay me electronicly. I think it will become the norm over time. Really it's better this way, operate in plain sight and you can actually hide better.

Choosing a sawmill for the lab was perfect. You can make lot of hallow space in a bundle of 2x4's and nobody at the border actually wants to start sifting through every single one. They poke around the surface and that's it.
 

lxskllr

No Lifer
Nov 30, 2004
57,686
7,912
126
Choosing a sawmill for the lab was perfect. You can make lot of hallow space in a bundle of 2x4's and nobody at the border actually wants to start sifting through every single one. They poke around the surface and that's it.

I use a Druid priest. Who do you get to sanctify the space?
 

SteveGrabowski

Diamond Member
Oct 20, 2014
7,130
6,001
136
What about the part where you are effectively telling credit card users "We'd rather have 0% of your business"?

When customers ask about credit cards and get told prices would have to rise, they usually say they'd rather pay with cash. Why do you think business owners and cash buyers should pay for your airline miles and cash back?
 

Ketchup

Elite Member
Sep 1, 2002
14,546
238
106
When customers ask about credit cards and get told prices would have to rise, they usually say they'd rather pay with cash. Why do you think business owners and cash buyers should pay for your airline miles and cash back?

Eh, miles and cash back are a drop in the bucket compared to what these companies collect in interest. As others have said, CC companies get away with their charges just because they can. It truly is robbery, and any "expenses" they claim come from "processing" are also more than covered by their interest income.
 

Jeff7

Lifer
Jan 4, 2001
41,599
19
81
When customers ask about credit cards and get told prices would have to rise, they usually say they'd rather pay with cash. Why do you think business owners and cash buyers should pay for your airline miles and cash back?
Why should a credit card user pay for your armored car pickup/delivery service, or the extra time spent handling and counting cash? Or any of the other overhead that goes into operating a business, but which I don't directly benefit? It's just more difficult to narrow down a dollar figure for a discount if I say "I didn't walk in the Sporting Goods section, so I don't want to have to pay for the floor cleaning services that take place in that department."
A credit card fee happens to be easily quantified, so it's easier to try to filter out.


Two: Those "expenses" are probably bringing along some additional sales revenue. I've seen various studies which say that people with rewards cards spend a disproportionately higher amount than those without. (A person who might otherwise spend $70 will spend $100 even if they're only getting 2% cash back.) Credit card companies probably wouldn't be pushing rewards cards if they were going to lose money on the deal. In the process, a retailer will also get to soak up a piece of that additional spending. And of course, some people are simply prone to spend more when they have a credit card than they would if they had cash.
But that pushes into "difficult to quantify" territory. "Excuse me! Did you spend at least 5% more than you otherwise would have spent if you were carrying cash? What about if you had a rewards card? By what amount did that affect your spending habits?"

Here we go.
"A Dun and Bradstreet study several years ago showed people spent 12-18 percent more when they paid with credit cards instead of cash."
Saving money on the card fee can come at the expense of reduced sales. Oops.



It's certainly a complex interaction.
It'd just be quite interesting to find out that offering a "cash discount" and shunning those spending-habit-altering cards actually results in a long-term reduction in sales.
(I wish we had a way of applying some electrical engineering principles to this. This situation is a feedback circuit, that's all. It just takes a longer time to stabilize than an electrical circuit, and people are always meddling with the inputs too quickly to get a clean output signal.)
 
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pcgeek11

Lifer
Jun 12, 2005
21,513
4,607
136
I pay cash all the time and I really enjoy the lower prices.

Op is mad because he don't read the signs. His example given is perfectly clear.
 

Merad

Platinum Member
May 31, 2010
2,586
19
81
By the way, can someone explain why credit/debit sales actually cost more to process? Cash: cashier in the store. Someone has to count the cash in the drawer at the end of the shift. Someone has to count the cash again prior to depositing it. Someone has to transport the cash to the bank. Someone at the bank has to count the cash

A big factor especially for small businesses is that cash payments enable "creative bookkeeping". Not quite the same as what the OP is talking about but for example when my parents did some renovations on their house at least one of the contractors offered them a hefty (30% IIRC) discount if they paid up front in cash.
 

OverVolt

Lifer
Aug 31, 2002
14,278
89
91
You've determined that since 91 octane isn't available, you can compensate by mixing 87 and 89 octane, for an average of.... 91?

60% 93 40% 87

90.6 octane, close enough.

I guess 65/35 to be safe.

The 3 gallons or whatever of low grade will save you all of like 80 cents so you might as well just pump premium for the convenience. I would.
 

her209

No Lifer
Oct 11, 2000
56,352
11
0
What grinds my gears is when a gas station lists their prices and in small ass fucking print "With purchase of car wash". Non-car car was prices are $0.30/gal more.
 

OverVolt

Lifer
Aug 31, 2002
14,278
89
91
What grinds my gears is when a gas station lists their prices and in small ass fucking print "With purchase of car wash". Non-car car was prices are $0.30/gal more.

Lol I never go to those places. Its obvious what they are doing. I can look at a few stations and I know if they are more//less expensive than their competitors (it usually has to do with location/taxes/land prices in that area).

If its like 20 cents lower than a nearby gas station its some kind of gimmick guaranteed.
 

bruceb

Diamond Member
Aug 20, 2004
8,874
111
106
I hate it as well. I want to see the price for Credit clearly posted before I pull in. Around here, some stations, like Hess and most (not all) Exxon are the same for Cash or Credit
 

NetWareHead

THAT guy
Aug 10, 2002
5,854
154
106
By the way, can someone explain why credit/debit sales actually cost more to process? Cash: cashier in the store. Someone has to count the cash in the drawer at the end of the shift. Someone has to count the cash again prior to depositing it. Someone has to transport the cash to the bank. Someone at the bank has to count the cash.

Credit/debit: someone pushes a couple buttons once a day, the rest is done electronically. How the hell does this add 3% to the cost of every transaction?? If 100% of customers paid with credit/debit at the pizza shop, that would save 1/2 an hour or more of employee time each day.

Because when all/majority of your sales are credit, the paper trail makes it really hard for the business owner to maintain 2 sets of books.
 

Blanky

Platinum Member
Oct 18, 2014
2,457
12
46
I find this way more annoying than a price advertised and then when you get tehre it was only with their bullshit membership card.
 

Ackmed

Diamond Member
Oct 1, 2003
8,478
524
126
What I dislike, is that it used to be 10 cents between grades. Now it is 15 or 20, what reason is there for this? And the stupid tenth of a cent on the price. Just put it at 2.20, not $2.19 and 9/10th. Thats just fucking stupid and a waste of sign material, etc.
 

Red Squirrel

No Lifer
May 24, 2003
67,937
12,384
126
www.anyf.ca
What I dislike, is that it used to be 10 cents between grades. Now it is 15 or 20, what reason is there for this? And the stupid tenth of a cent on the price. Just put it at 2.20, not $2.19 and 9/10th. Thats just fucking stupid and a waste of sign material, etc.

Actually what the heck is with the fractions in US prices? I noticed that when people post pics of signs. Why not just add another decimal spot?
 

yottabit

Golden Member
Jun 5, 2008
1,382
252
136
First off, what the f*** is debit? Last I checked, a debit card would constitute as cash, but apparently not!

That sign you posted is about as clear cut as anything I've ever seen. The only crime going on is your crime against humanity for being so stupid.

Debit counts as cash

This pretty much highlights my problem right here. I'm fine with Credit & Cash prices. What I'm not fine is the mysterious and seemingly random way in which Debit counts as Credit at some stations and Cash at others.

Literally about half the gas stations will take my Debit card and give me the cash price, and the remainder will tick up to credit prices upon inserting my Debit card.

Of these some are nice enough to have "Cash/Debit" or "Credit/Debit" on the sign but not most of them.
 
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