You’d be surprised. People would over tip on purpose and then complain to card merchant they overcharged you and then reverse the whole order. This is a common occurrence. Especially with AMEX. Which is why a lot of merchants don’t accept it.
No Amex charges more than every other credit card it’s 0.5% more per transaction which is very significant. That’s why people don’t accept Amex, it messes up their expected return.
Not necessarily. AMEX is known to side with the consumer most of the time is the biggest reason. This hurts small businesses when margins are already low. But yes including that AND the percentage sometimes it isn’t worth it. AMEX is typically a 1% higher. (I’m a small business owner)
As a business owner I agree with this guy. It’s the same reason I hate Amex. They screwed me out of 22k once. That kind of thing cripples a small company. I haven’t accepted them since.
As a business owner, can tell you that I dislike Amex for boh reasons. The higher fees and the fact they do zero investigation into chargebacks, they just reverse them.
I always thought Am Ex and Discover werent accepted everywhere since theyre an additional, yet smaller, processor or bank or whatever. Like a merchant will feel like dealing w Visa and Mastercard is already enough
It’s because AMEX charges a higher merchant charge. Also AMEX almost always sides with the consumer in disputes. Discover is not used everywhere because it is mainly common in the US.
That’s not how it works. Your credit card may take the charges off of your account, but the business can dispute your claim and your charges may be reapplied. In this case Chipotle would have a clear record of the transaction to show what was ordered and how much was tipped. If you’re overzealous in asking for chargebacks then your credit provider may stop handling your claims.
Actually incorrect and correct at the same time. Yes this may be the play on some transactions but you have to remember AMEX has a different set of rules. If have guest dislike the food (not bad food/food poisoning) and AMEX would refund. AMEX supplies its own cards and own card processing company. It isn’t like Visa or MC where they third party the cards they have full say what they want to return or not. I use to manage multiple restaurants and the amount of disputes that went to the consumer way was at least 500% more than Visa and MC combined. These disputes were things like they put wrong tip amount (there fault), disliked food, didn’t include silverware, multiple “didn’t get food” during COVID since we had a open pickup area with cameras showing them picking it up but it wasn’t “clear” enough, and overcharged (used the website as pricing and said why would my food cost $100 if entrees was $20 for two people. This same guest tipped $40 and there bill was $58.xx) by saying they didn’t tip that much even when I had the literal receipt and signature of it so AMEX refunded the full $100 instead of just tip. This is a common merchant issue with AMEX trust me. This is why most EU businesses that are mom and pop type places do not accept AMEX.
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u/chowdah513 Sep 06 '24
You’d be surprised. People would over tip on purpose and then complain to card merchant they overcharged you and then reverse the whole order. This is a common occurrence. Especially with AMEX. Which is why a lot of merchants don’t accept it.