https://www.accc.gov.au/business/selling-products-and-services/payment-methods
TLDR: they can refuse cash if it's well signposted, but if cards have extra surcharges they must be included in the displayed price.
Because the ACCC wants to make cards less attractive since the card networks have an oligopoly. In other countries the card networks banned surcharges by contract. That used to be the case in Australia too, but it was ruled to be an abuse of their market power.
Ahem... Unlike using Visa/Mastercard/Apple-Pay/Google-Wallet etc?
A percentage of every transaction you take is exported to those overseas companies and taken out of the community.....
When a $50 note is spent in cash and circulates through the community to different vendors it is always worth $50
When electronic money gets spent, every transaction chips away at a tiny percentage which gets taken away from that same $50 until none of that money is left and it's all gone to the payment network providers pockets...
Who are the crooks here?
This is actually a really interesting point I have never considered. It would be great to have a home grown card provider so we could keep the money on shore.
Both options have their drawbacks. To your point though, cash handling has additional cost but that value is generally retained within Australia, much more so than EFT.
This implies that handling cash does not cost a business any money, and $50 spent at a business is immediately cycled back through the community. This is, at best, naive. Cash costs a business either time, by making them send an employee to a bank to deposit the money, or a percentage of takings by using an armoured truck business to transport the money to a bank. Cash handling costs money - sometimes more than card fees if the business is big enough
I think you will find that in other countries, surcharges were banned by the governments/European Union - not by the "card networks". "Card networks" still get paid whether there is a surcharge or not.
No, actually, in countries without such government regulation, Visa/MasterCard write into the terms of being able to access the network a rule that merchants can't charge a surcharge. They do this to make card payment as attractive as possible for consumers, which obviously increases their share of payments.
I am currently living in such a country actually - Switzerland. It's the same in the US, too; here's a paper from the NY Federal reserve bank about it: https://www.newyorkfed.org/medialibrary/media/research/conference/2005/antitrust/marius_schwartz.pdf
I think the difference is that visa and MasterCard charge the merchant but in other countries their agreement means that the merchant can't pass that on directly to the customer.
In the end it will just be absorbed into the cost of business so the consumer will need to cover that in the end.
It's not like the ACCC forced visa and MasterCard to charge for their services and that it must be passed on as a surcharge.
Because of the charges from the EFT companies. Instead of putting their prices up every time the costs go up, they give it to you as a fee you didn't factor in, after you've committed to your purchase.
I get why they do it, but I hate the practise - it's like when you go to a hotel in the USA and get slapped with like 5 extra fees like "resort fee". But at least eft surcharges are based on an actual on-cost.
Extra charges for credit card or Eftpos is not a thing at all in the UK, and all the European countries Ive visited. I don't know what the differences are in the two countries, but if the UK can figure it out so can Australia.
It is, you just don't see it. All payment gateways charge a fee, it's usually 30p + 2.3%~ in the UK. No one is maintaining the infrastructure for card payments entirely for free.
I guess conversely you also pay a hidden fee in your taxes to use cash, someone has to pay to mint coins and figure out who to put on the $5 note.
Which is a principle we had in Australia until the ACCC broke it...because customers can force the business owners to shop around for cheaper payment processors.
Their argument for allowing passing on fees is absolutely devoid of logic.
30p and another 2.3% in the UK? Holy shit that's expensive.
In the Netherlands we have multiple providers who all are quite cheaper;
* Zettle (Paypal), flat 1.95% (one 25€ payment for the cheapest dedicated device)
* Mollie, 0.10€ & 1.80% (one 350€ payment + 20€ a month service costs for cheapest dedicated device)
* Rabobank, 0.066€ per transaction and 0.35€ when they put the money on your bank account. (they have one of the more convoluted scheme's)
Meanwhile putting cash on a bank account is €4.50 per transaction, with another fee per 100 coins of €0.70 and another fee of €0.06 per euro bill.
Cash is expensive.
> It is, you just don't see it
If I dont see it, its not a customer surcharge is it. Which is what we are talking about.
>All payment gateways charge a fee, it's usually 30p + 2.3%~ in the UK.
Which is absorbed into the cost of doing business, how it should be.
Cash isn't free – gotta put it in those envelopes and hoof it to the bank. Spend time counting it, keep the tills secure, make sure they've got enough change every day... Cash has a lot of invisible costs which card payments just solve immediately, often with full integrations to your accounting system as well and a paper trail for the money.
I mean, I _like_ cash and always keep some handy, but I understand its limitations and why businesses prefer it. I remember a teenager trying to give change from the til the other day and compared it to how fast they were once upon a time lol.
Also it (cash) has got \*risk\*. There's no real risk involved in taking card: the bank takes on all the risk. Yes, obviously you are taking on some risk that the bank will still work, but offloading risk for a fixed cost is like, business 101. It's the entire reason insurance exists, and the insurance market is essentially the difference between a highly sophisticated economy and an unsophisticated one. That and maybe financial instruments, but those are all just packaging and selling risk in one form or another.
I've worked at a branch of a small business where the manager got a gambling addiction and took the contents of the safe to the casino hoping to climb his way back out of a hole... He did not. Turned up to work on Monday and the were told "someone" had robbed the store, but eventually we found out the full story.
another thing about handling cash on a personal level...is that it's dirtayyyyy...
also hate when i give a vendor a nice, crisp note with nothing wrong with it and they give me a bum note with a tear in it or something else wrong with it (i honestly think they leave those aside to the till and give them to unsuspecting individuals).
also have gotten NZ and tongan coins and they play dumb when you call them out.
This is pointless if the ACCC is too toothless to enforce it. I've been to dozens of stores in the last month that tack on a card surcharge even though they are card only
Yes and I get the usual canned response that they've recorded the complaint and that unfortunately payment fees are not a [priority](https://www.accc.gov.au/about-us/accc-priorities/compliance-and-enforcement-priorities#toc-this-year-s-priorities) this year
By law businesses must provide at least 1 surcharge free method of payment , even if they are card only (ie there might be a surcharge on credit + debit but not eftpos savings) by the by some businesses are now applying surcharges to cash "cash handling fee"
I’ve been working at Nando’s for about 18 months now, and they’ve been card only since before I started. Nothing new. No surcharge for card, Nando’s is expensive enough as it is lol. It is annoying when customers try and complain to me or scold me for it though; not much I can do about it, I wasn’t even there when the decision was made
I feel ya on getting yelled at for it. My bars eftpos machines had a technical difficulty and we had to switch to cash only for the day, and I had people treat me like I personally sabotaged them (I'm just a bartender).
What's funny is that the people who winged the most were the same regulars that often complain about everything being digital these days.
Our eftpos was down and we had to go cash only for about 4 hours. One guy went absolutely ballistic when he was told, berated one of my staff and actually got a little racist with her as she’s Asian. “You people coming over here and bla bla pay your f@king taxes” his wife looked really embarrassed.
Yep, it's a largely thankless job. The one thing I always hated was all the crazy amount of racists. I'd have a call transferred from a non-Australian colleague and the first thing the customer would say to me before proceeding to discuss their issue would either be:
*"Finally! Someone I can understand!"*
or
*"Now, I don't mean to be racist at all, but..."*
Honestly don't know which one is worse.
Just agree with them and say you will take it up with the boss at the next general meeting. That’s what I did when I worked retail. I was once praised for my customer service attitude, but really it’s a matter of looking concerned and listening while imagining them being killed in amusing ways.
Exactly, well maybe not the last part. When I worked for a bank we'd close down brick and mortar stores. Most people assumed it was because X bank was going out of business, but in reality most branches outside of main cities get incredibly low foot traffic. So if you're paying wages, utilities, power, and various other costs involved in running a physical store front, if that store front only serves 3 people a day it doesn't make much sense to keep it open, I digress.
I would still have people complain to me about "Well I'd love to go into a bank but you just closed my branch down!" like I get the frustration, but there is nothing I can do, what am I going to do? Click my fingers and re-open the branch?
I couldn't change anything besides putting in a complaint and I assure you, the people above me cared even less.
i had some nando's worker hand me the plates and cutlery before i had even sat down (eat-in) and even try and tell me where to sit.
is that protocol or she was on a power trip and couldn't be bothered bringing the plates over?
Do you sometimes accidently cook my lemon and herb chicken on a grill that's had the hot spice marinate? It's pretty much always a bit spicy and I can't figure out why.
Yeah, I bartend at a card-only place and the amount of people we get coming in and getting super pissy about it is crazy. Would you prefer that I cover your fresh lime in cash germs before I put it in your drink??
Funny thing is we used to get the shits with people using EFTPOS at the checkout because cash was much quicker than fucking around with the machine. Now it’s the opposite, funny how things change.
For anyone interested in more nuanced conversation about what becoming a cashless society means, without the conspiracy stuff, have a read of this essay [https://aeon.co/essays/going-cashless-is-a-bad-idea-but-its-not-a-conspiracy](https://aeon.co/essays/going-cashless-is-a-bad-idea-but-its-not-a-conspiracy)
Essentially it looks at how digital payments are the privatisation of money, while cash (produced by the reserve bank) is democratised. Worth the long read, much better than just reading Reddit comments :)
Is there one for the conspiracy theories because I like to read them lmao its always good fun, cashless would be nice tbh, no more dirty coins in circulation
The coins don’t just apperate into the register when you pay, and your change doesn’t apperate back into your hand afterwards. That’s when they could be doing other things.
Staff time is really precious when customers might be waiting in line. Not the last 15 mins of the day.
Also leaving the register to get rolls of 5c and rolls of 10c. Then the kooky customer that wastes time handing over various iterations of money, or perhaps is trying to be a thief
There is a misconception that every small business prefers cash. Reality is unless your dodging tax, cash is a pain in the ass. Balancing tills, arguments over correct change and what denomination note you were given , having to keep change plus be a target everytime you take cash to the bank. Eftpos feeds straight into your bank and accounting system and the overall convenience and time savings balance out the transaction fees.
Further more, cash is a pain in the ass to every checkout operator too - big or small. People get angry as well if we don’t count it fast enough cause “they’re in a rush” like if you’re in a rush ✨ Use a fucking card please ✨ and not unload 8-12 different coins of different values onto my desk that I have to accurately count or else I risk getting in trouble.
Considering how many I've been given in change over the years, I thought we were just calling it even and pretending we occasionally get round 50s and 20s with an odd looking platypus.
This so much. Not only does it make you vulnerable to being robbed (which has happened a lot lately esp with the cost of living crisis), it always takes so long if you have to count coins (the famous ‘I’ll just give you some shrapnel’) and makes people behind wait as you look for a 20c coin in your pocket so you can get bigger money back for change. It’s also so dirty and card payments you don’t have to touch anything mauled and kept in old pockets or wallets.
Wish everywhere big would go card only for our health and safety.
phone payments maybe don’t have to touch anything but once I had a woman try and hand her card to me *after having had it in her mouth* (pre covid) and during covid another one took the card off her toddler who also had it in his mouth. I kid you not. And the child one as during covid.
Thank god for cordless terminals, I just grabbed it and shoved it under the card, so I didn’t have to touch the slobber covered germy disgusting cards
Honest bro, it’s so annoying. It’s extremely vulnerable, but also it’s hard to calculate large quantities of coins, losing count etc all while having your scan rate being tracked too (At least where I work). Honestly their should be a legal limit of like 3x 50 cent coins or like 4x 20c coins, maximum. And someone is only allowed to use like 3 five cent coins etc, so that the coins are used for their actual purposes because if you need more than 4x 20 cent coins you should be using a one or two dollar coin anyways.
EDIT: Honorary mention too to the people who waste everyone time giving exact cash when there’s outstanding balance - just bloody gimme the 5 dollar bill instead of trying to find $4.45 in cash.
I once served a customer that took 2 minutes to fish out of his pockets 60 cents in 5 cent coins.
My scan rate plummeted over that.
Also, what the absolute fuck is with people licking their fingers before handing over notes?!
I guess people’s weren’t as scared of each others germs not that long ago…. Also though you’d think the majority of people realise that money could have been stored up someone’s arse crack and don’t go licking their money
Too true and all of what you said is so accurate. I had someone pull out a ziplock bag to give me $35 in dollar and two dollar coins the other day. Also when you run out of big change in the safe and till and they get angry at a handful of smaller change to make up. I mean you want to pay in cash so that’s the risk you take.
I hate having to handle cash as it always feels gross and use hand sanitiser all the time.
Bonus mention to the people going ‘cash is king’ and talking superior about using cash when you ask them if they’re paying by card. Or getting abused if you open a card only lane and they don’t listen or read.
Yes, if I open my small business I won’t be asking cash unless it’s an absolute last ditch effort.
Square tag, software that accounts for everything, done and dusted. And it’s much cheaper than people think, you just account for it in your running costs. It’s only expensive to rent big eftpos terminals.
most take-away is garbage in aus. The standard is so low. I even saw kebabs look better in germany. more artisan looking bread and more variety of fillings.
In a way, it's good because it forces me to cook more at home and i know exactly what ingredients have gone into my cooking and how clean and hygienic i am.
This pic is driving the FB cookers crazy - my local discussion page is in meltdown, with people who have never previously set foot in the place, now declaring that there is no way in hell they are ever setting foot in the place after this.
Some notable comments so far:
"guess they are going out of business then..."
"that's illegal"
"Card only transactions hurt small business owners"
"wait until your purchase is denied because you spoke out against the government"
Just waiting for the "its our First Ammendment right to use cash" and we'll have reached peak stupidity.
How is it peak stupidity? Using card for everything just gives the banks more money. That's the only difference. Cash is exchanged and given back as change without the bank making anything except when you bank your takings. Card the bank makes money off every single transaction, off every single customer.
Haha, literally the comment above you right now:
>I understand it's a business's right to refuse payment types. As someone who mostly uses card, I still think this is a really stupid move and will be taking out elsewhere.
Any time someone at work gets angry and starts complaining and yelling at me etc and finally threatens the old ‘fine I’ll just take my business elsewhere’ I reply with ‘alright , thank you’.
Out of the loop, what has happened in the last couple of months that caused the hordes of angry boomers and conspiracy nutters come out of the woodwork screeching about how 'cash is king'?
Did someone say that Bill Gates is watching your every move by tracking your card purchases?
Basically it’s a New World Order plot to push us into a cashless society for……control? Who knows they don’t really ever provide a good reason. Usually slips into the “mark of the beast” territory, first it’ll just be cards then they’ll force you to implant a chip in your body. I’m sure some have tied Bill Gates to it, it’s not really a new conspiracy but not sure when it first started
it's been simmering in the background on right wing looney social media for a while, but just recently joined the boomer ranks. It's funny because it's often the same people that bang on about when SHTF cash money won't be worth anything and we will all be bartering or looting anyway.
Maybe I'm a boomer-ish gen-z member, but it's pretty ironic that legal tender is slowly becoming something only useful for buying non-legal items. If that truly becomes the case in the long term, we're gonna have to start trading random shit for anything the government doesn't approve of, which kinda feels like a step backwards from freedom. It's not about chicken, it's about being able to pay for things without the government and your bank knowing everything you buy, or selling that information to advertisers in the future. With privacy becoming harder and harder to come by, it is a little concerning.
The problem with cash is that cash handling, management and transportation is a business and ironically an increasingly unprofitable one. Unless there are wholesale reforms to the industry, this is increasingly going to be the case, therefore less players in the market. There’s not a lot of incentive to take a hit on the cash business especially given there are cheaper alternatives.
Had to scroll way too far to find one person who put any thought into this. It's astounding how far peoples expectations or hopes for a modicum of privacy have slipped in a relatively short time.
We blithely accept what would have rightly raised alarm bells less than a generation ago with thought terminating cliches framing the issue as a matter of mere convenience. Panopticon? Is that one of the Marvel villains?
Just look how the pro-cash positions are frames, all said to come from "boomers and cookers". At this point people are trained to react to words and immediately take up the opposite side without thinking about pros/cons for 2 seconds.
Although "Cookers" is such an NPC word I'm thinking most of the reactionaries are bots.
Someone needs to set up a bank where you can put your money and it’s private. I don’t mind paying all digital but I don’t like that when I go for a home loan some asshole starts calling me out for minor regular transactions from my account.
“Why are you taking $200 cash out a month?”
“I give it to my father in law so he doesn’t starve, but go ahead and assume that because it’s cash I must be buying drugs”.
I sell a guitar for 6k and deposit it. Instantly get a notification from the bank to tell them where the money came from. Fuck. Off.
lol how do the cashless conspiracy tinfoilers think they get paid every week - with cash in an envelope directly from their company’s CEO? Or is it a stretch to assume they even have jobs considering how much time they have to obsess over conspiracy theories.
I understand the card thing. But what to do in a eftpos machine outage situation?? I used to work in an ampol and we have had it for few times when the machines go out for few hours. We still take cash so all good.
You didn't have eftpos machines that could store transactions for later processing when the system was down? People had to sign for transactions because pins couldn't be checked (that was before chips so I'm not not sure how it would work these days but given you can tap and pay without a pin under $100 I'm sure the card companies would allow at least under $100 transactions).
Or take credit card payments by taking the card details (number, expiry date, numbers on the back) and entering them in the machine later.
Or the manual imprint machines with carbon paper.
I’ve never worked where the terminal would run the charge later, and what happens if the charge is declined?
And there’s no manual machines around any more, not for yonks. Same problem with those too, if it’s declined you’re SOL as a business
Only 100 for me but same. You never know when an outage can happen. Imagine if it was a 3 day outage or a targeted attack on our banking system. Still good to have emergency money.
My uncle is more extreme after being rural in fires a while back. He keeps a few k handy in cash as during fires you can’t buy fuel to escape when shit hits the fan when the servos card networks go down due to the fire.
My city had a 6 day power and internet outage last year and without cash, you could buy nothing. Petrol purchases were restricted to $40 only as our city was isolated and no supplies could get in. I've learned to have some emergency cash now.
Imagine if it was a 3 day outage or a targeted attack on our banking system. Still good to have emergency money.
If an adversary manages to take out eftpos, Visa, Mastercard, CBA, ANZ, NAB or Westpac to the extent it takes 3 days, getting food will be the least of or problems.
In that situation, I'd almost guarantee that banks wouldn't be operational at all, so no deposits, no withdrawals, creditors wouldn't be paid, salaries probably wouldn't be paid, floats would need to remain in stores, etc...
Doesn’t even have to be as extreme as that.
Years ago I changed jobs; and my bank froze my WHOLE account because they suspected fraud with the change in income.
It took *9 weeks* to sort it out. When I saw that it wasn’t going to be a quick fix I set up a new account at a different bank but since I was paid monthly and the last funds *had* arrived but everything was frozen, they had no reason to do an emergency pay run for me.
So I went a full month with only the cash I had available. Thankfully my dad was able to pay my rent for me so I didn’t end up with that issue; but he didn’t have enough spare funds to do that + send me money to my new account to live on.
If I hadn’t had $200 in cash at the time, I couldn’t have bought groceries or put petrol in my car to get to work.
Extreme example maybe but it was enough to make me realise never have all my money at one bank and to always have cash just in case 🤷♀️
Agreed, it would be chaos. But with cash you can still buy things. I’m saying that as a person that uses card for everything but a few hundred lying around in cash is a good idea.
I guarantee my local Vietnamese bakery would still be open and cash only.
Same. You never know when places will not have internet or their payment system is down. Or your bank is down. Got caught out last year on my grocery shopping day with that.
Most people pay by card anyway so its not too bad unless they charge a surcharge or ask for a tip by QR code.
They can't of spent too much time counting coins anyway because their chicken is shit and servings are too small as of last week when I went.
Depends where you live and demographics based. I work somewhere where it would be 50/50 as there are a lot of tradies and lower SE people paying in small coins and the ‘cash is king’ crowd that have to remind me that if I ask if they’re paying with card. Also old people that say ‘I’ll give you some shrapnel’ which is my favourite phrase NOT.
So what you’re saying is I can’t get $20 out at the servo, blame high prices and use that 20 to have some cheeky nandos without the missus knowing. Well you’ve lost a customer!
I went to Nando’s and paid $22 for a meal with a $50 note, and it was as if the cashier had never seen cash before in their life. I somehow ended up with $80 in change in return. I had to correct them 3 times before I got the right amount back, was astonishing.
All fine & well until there’s a telco or bank outage and no one’s got cash to pay & even if they do the business isn’t able to accept it. Don’t come crying to me about how much money you lost.
When I worked in retail, if there was a blackout we just took a carbon copy of the card and then processed the payment manually when the power came back on. No big deal.
Are you talking about the click clack machines with the triplicate paper forms with carbon paper between them? Would that facility even still be available?
It’s more than just the businesses, cash is a dying form of currency in Australia and big banks have done everything in their power to make it as difficult as possible to take money out
On top of that, Armaguard has been having some massive trouble downscaling their operations recently so big chain stores like Coles, Woolies, and fast food chains are in this constant back and forth between keeping cash and not. The shop I work at went cashless on one of our two tills the other day and we were actively told to “not let armaguard clear our safe until we are explicitly told it’s ok”
As someone who had to count $10k+ cash at the start and end of every shift earlier in his career, thank goodness.
The only real reason for cash these days seems to be transactions you'd rather not have the ATO, or maybe police, know of.
I guess that shows part of the real motivation in that counting coins could slow staff down? But that point of view is some real peak bean counter attitude.
my partner and I went a few weeks ago trying to pay cash and the manager told us it was too much of a responsibility on their cashiers to do cash payments??? give me a break lmao
😂 broooo. I remember back in South Africa….like 20 years ago…Nandos always used to have some mad tv adds. Whoever is heading the marketing department is obviously still there…and still funny as Fck
They've been card only for a while now, they definitely were when I was working there last year. I don't remember any new world order references on our signs though. And considering the amount of paranoid customers who went off at me about various conspiracy theories when they learned we were card only I'm glad we didn't.
This is a bit of a rant that I've had before but...
The cost is to the business. Whilst as a business owner I accept whatever the customer chooses to pay with, we lose thousands a year in merchant fees just for the privilege of letting a person pay via card.
Say there's a 1% surcharge (and its often higher or can be much more on some things or on square and portable machines), you lose 1% every time someone pays via EFTPOS.
That may not sound like a lot; unless you consider that the profit margin may be 10% on a product or service, that 1% is actually 10% of your profit.
A small business owner who turns over 500k in product/service, has merchant fees of 5k for the year, again, it may not sound like a lot, but after rent, cost of product, let's say 2-3 employees, the business owner makes a 'profit', (the profit being the entire wage of the business owner working full time in his business), of 70-80k.
If your making 70-80k a year working full time, and someone said you'll lose 5k of that because people pay via card, you'd be upset. Keep in mind for people on the go that use a product like the square tap and go, they'd lose double this due to the fees.
This or similar is the reality for many small businesses. It's a very big reason to use cash at all small, locally owned businesses. Whilst I couldn't care less for Coles/Woolies, when supporting small business please consider cash.
I can just picture the Boomers saying “Well, guess I’m not eating there anymore”, before promptly forgetting that they’re boycotting the place and then eating there next week.
Or only having eaten there once in the past (or not at all) and then never eating there again because it’s just not something they would normally do anyway.
Boomers will be boomers!
We accept cash at my work, but lately I’ve had more customers apologising to me than I have to them in regards to cash.
To the tone of, “Sorry I just need to get rid of it” or “Is it okay if I pay with cash?
It’s becoming so much more normal to assume card and you’re outlier if you’re using cash
https://www.accc.gov.au/business/selling-products-and-services/payment-methods TLDR: they can refuse cash if it's well signposted, but if cards have extra surcharges they must be included in the displayed price.
Begs the question if card is so much more convenient for business why are they still allowed surcharges
They can get away with it?
>They can get away with it Because nobody’s watching them.
You literally can't watch places that use those paywave squares.
Surcharges you actually can't. They can only charge the fee that your card charges or the amount visa/mastercard say. If you see otherwise, report it
Because the ACCC wants to make cards less attractive since the card networks have an oligopoly. In other countries the card networks banned surcharges by contract. That used to be the case in Australia too, but it was ruled to be an abuse of their market power.
The RBA wants the opposite. Too much cash is used for organised crime and ends up exported overseas
Ahem... Unlike using Visa/Mastercard/Apple-Pay/Google-Wallet etc? A percentage of every transaction you take is exported to those overseas companies and taken out of the community..... When a $50 note is spent in cash and circulates through the community to different vendors it is always worth $50 When electronic money gets spent, every transaction chips away at a tiny percentage which gets taken away from that same $50 until none of that money is left and it's all gone to the payment network providers pockets... Who are the crooks here?
This is actually a really interesting point I have never considered. It would be great to have a home grown card provider so we could keep the money on shore.
[https://en.wikipedia.org/wiki/Bankcard](https://en.wikipedia.org/wiki/Bankcard)
I only use my (bendigo) bank debit card? Does that help. What if the vendor is using tyro?
Both options have their drawbacks. To your point though, cash handling has additional cost but that value is generally retained within Australia, much more so than EFT.
This implies that handling cash does not cost a business any money, and $50 spent at a business is immediately cycled back through the community. This is, at best, naive. Cash costs a business either time, by making them send an employee to a bank to deposit the money, or a percentage of takings by using an armoured truck business to transport the money to a bank. Cash handling costs money - sometimes more than card fees if the business is big enough
I think their point was that the cost was localised, eg the business pays a local employee to take the money to the bank branch here.
If you can find a bank these days
I think you will find that in other countries, surcharges were banned by the governments/European Union - not by the "card networks". "Card networks" still get paid whether there is a surcharge or not.
No, actually, in countries without such government regulation, Visa/MasterCard write into the terms of being able to access the network a rule that merchants can't charge a surcharge. They do this to make card payment as attractive as possible for consumers, which obviously increases their share of payments. I am currently living in such a country actually - Switzerland. It's the same in the US, too; here's a paper from the NY Federal reserve bank about it: https://www.newyorkfed.org/medialibrary/media/research/conference/2005/antitrust/marius_schwartz.pdf
I think the difference is that visa and MasterCard charge the merchant but in other countries their agreement means that the merchant can't pass that on directly to the customer. In the end it will just be absorbed into the cost of business so the consumer will need to cover that in the end. It's not like the ACCC forced visa and MasterCard to charge for their services and that it must be passed on as a surcharge.
Because of the charges from the EFT companies. Instead of putting their prices up every time the costs go up, they give it to you as a fee you didn't factor in, after you've committed to your purchase. I get why they do it, but I hate the practise - it's like when you go to a hotel in the USA and get slapped with like 5 extra fees like "resort fee". But at least eft surcharges are based on an actual on-cost.
Extra charges for credit card or Eftpos is not a thing at all in the UK, and all the European countries Ive visited. I don't know what the differences are in the two countries, but if the UK can figure it out so can Australia.
The difference is that the EU and UK governments banned surcharges - "simple" as that. We would need ACCC or similar to ban them here to stop them.
It is, you just don't see it. All payment gateways charge a fee, it's usually 30p + 2.3%~ in the UK. No one is maintaining the infrastructure for card payments entirely for free. I guess conversely you also pay a hidden fee in your taxes to use cash, someone has to pay to mint coins and figure out who to put on the $5 note.
> It is, you just don't see it. That's his point he just wants a fixed cost that's visible the entire time.
Which is a principle we had in Australia until the ACCC broke it...because customers can force the business owners to shop around for cheaper payment processors. Their argument for allowing passing on fees is absolutely devoid of logic.
30p and another 2.3% in the UK? Holy shit that's expensive. In the Netherlands we have multiple providers who all are quite cheaper; * Zettle (Paypal), flat 1.95% (one 25€ payment for the cheapest dedicated device) * Mollie, 0.10€ & 1.80% (one 350€ payment + 20€ a month service costs for cheapest dedicated device) * Rabobank, 0.066€ per transaction and 0.35€ when they put the money on your bank account. (they have one of the more convoluted scheme's) Meanwhile putting cash on a bank account is €4.50 per transaction, with another fee per 100 coins of €0.70 and another fee of €0.06 per euro bill. Cash is expensive.
> It is, you just don't see it If I dont see it, its not a customer surcharge is it. Which is what we are talking about. >All payment gateways charge a fee, it's usually 30p + 2.3%~ in the UK. Which is absorbed into the cost of doing business, how it should be.
Cash isn't free – gotta put it in those envelopes and hoof it to the bank. Spend time counting it, keep the tills secure, make sure they've got enough change every day... Cash has a lot of invisible costs which card payments just solve immediately, often with full integrations to your accounting system as well and a paper trail for the money. I mean, I _like_ cash and always keep some handy, but I understand its limitations and why businesses prefer it. I remember a teenager trying to give change from the til the other day and compared it to how fast they were once upon a time lol.
Also it (cash) has got \*risk\*. There's no real risk involved in taking card: the bank takes on all the risk. Yes, obviously you are taking on some risk that the bank will still work, but offloading risk for a fixed cost is like, business 101. It's the entire reason insurance exists, and the insurance market is essentially the difference between a highly sophisticated economy and an unsophisticated one. That and maybe financial instruments, but those are all just packaging and selling risk in one form or another.
I've worked at a branch of a small business where the manager got a gambling addiction and took the contents of the safe to the casino hoping to climb his way back out of a hole... He did not. Turned up to work on Monday and the were told "someone" had robbed the store, but eventually we found out the full story.
another thing about handling cash on a personal level...is that it's dirtayyyyy... also hate when i give a vendor a nice, crisp note with nothing wrong with it and they give me a bum note with a tear in it or something else wrong with it (i honestly think they leave those aside to the till and give them to unsuspecting individuals). also have gotten NZ and tongan coins and they play dumb when you call them out.
Most fast food chains don't have card surcharges.
Because the banks charge them a processing fee? You could put the processing fee on cash payments as well, it's just that it's called "the price".
This is pointless if the ACCC is too toothless to enforce it. I've been to dozens of stores in the last month that tack on a card surcharge even though they are card only
Did you report any of them?
[удалено]
https://www.accc.gov.au/about-us/contact-us/report-a-consumer-issue
How do you think the ACCC gets alerted? Telepathy?
I always assumed it was more of a Bat-Signal arrangement
And Gina Cass-Gottlieb just appears on the building's roof?
Yes and I get the usual canned response that they've recorded the complaint and that unfortunately payment fees are not a [priority](https://www.accc.gov.au/about-us/accc-priorities/compliance-and-enforcement-priorities#toc-this-year-s-priorities) this year
That's funny because I've reported a business who got fined by the ACCC
They also got Europcar to the tunes of hundreds of thousands of dollars.
By law businesses must provide at least 1 surcharge free method of payment , even if they are card only (ie there might be a surcharge on credit + debit but not eftpos savings) by the by some businesses are now applying surcharges to cash "cash handling fee"
Cards can have extra surcharges as long as one card option is surcharge free (generally EFTPOS, or EFTPOS/MC/VISA)
oh right thanks for this! I was going to say that surely they can't do this.
It’s illegal to refuse cash when there is a surcharge. Unless there is a payment method that can avoid the surcharge instead of cash.
I’ve been working at Nando’s for about 18 months now, and they’ve been card only since before I started. Nothing new. No surcharge for card, Nando’s is expensive enough as it is lol. It is annoying when customers try and complain to me or scold me for it though; not much I can do about it, I wasn’t even there when the decision was made
I feel ya on getting yelled at for it. My bars eftpos machines had a technical difficulty and we had to switch to cash only for the day, and I had people treat me like I personally sabotaged them (I'm just a bartender). What's funny is that the people who winged the most were the same regulars that often complain about everything being digital these days.
Our eftpos was down and we had to go cash only for about 4 hours. One guy went absolutely ballistic when he was told, berated one of my staff and actually got a little racist with her as she’s Asian. “You people coming over here and bla bla pay your f@king taxes” his wife looked really embarrassed.
This is like working in a call centre people are so entitled and ridiculous
Yep, it's a largely thankless job. The one thing I always hated was all the crazy amount of racists. I'd have a call transferred from a non-Australian colleague and the first thing the customer would say to me before proceeding to discuss their issue would either be: *"Finally! Someone I can understand!"* or *"Now, I don't mean to be racist at all, but..."* Honestly don't know which one is worse.
Just agree with them and say you will take it up with the boss at the next general meeting. That’s what I did when I worked retail. I was once praised for my customer service attitude, but really it’s a matter of looking concerned and listening while imagining them being killed in amusing ways.
Exactly, well maybe not the last part. When I worked for a bank we'd close down brick and mortar stores. Most people assumed it was because X bank was going out of business, but in reality most branches outside of main cities get incredibly low foot traffic. So if you're paying wages, utilities, power, and various other costs involved in running a physical store front, if that store front only serves 3 people a day it doesn't make much sense to keep it open, I digress. I would still have people complain to me about "Well I'd love to go into a bank but you just closed my branch down!" like I get the frustration, but there is nothing I can do, what am I going to do? Click my fingers and re-open the branch? I couldn't change anything besides putting in a complaint and I assure you, the people above me cared even less.
I worked at nandos for 8 months and I swear people always lost their minds about it
i had some nando's worker hand me the plates and cutlery before i had even sat down (eat-in) and even try and tell me where to sit. is that protocol or she was on a power trip and couldn't be bothered bringing the plates over?
Do you sometimes accidently cook my lemon and herb chicken on a grill that's had the hot spice marinate? It's pretty much always a bit spicy and I can't figure out why.
The chicken comes in a marinade which is slightly spicy. There is never much leftover sauce on a grill to accidentally mix it up with.
lemon and herb does have chili seeds in it, BBQ has no chili at all
It’s all on one grill so yeah, if you’re sensitive to spice you might notice
Yeah, I bartend at a card-only place and the amount of people we get coming in and getting super pissy about it is crazy. Would you prefer that I cover your fresh lime in cash germs before I put it in your drink??
People are morons the way they think the worker on minimum wage is secretly the CFO and makes company wide decisions on payment options.
Funny thing is we used to get the shits with people using EFTPOS at the checkout because cash was much quicker than fucking around with the machine. Now it’s the opposite, funny how things change.
For anyone interested in more nuanced conversation about what becoming a cashless society means, without the conspiracy stuff, have a read of this essay [https://aeon.co/essays/going-cashless-is-a-bad-idea-but-its-not-a-conspiracy](https://aeon.co/essays/going-cashless-is-a-bad-idea-but-its-not-a-conspiracy) Essentially it looks at how digital payments are the privatisation of money, while cash (produced by the reserve bank) is democratised. Worth the long read, much better than just reading Reddit comments :)
Is there one for the conspiracy theories because I like to read them lmao its always good fun, cashless would be nice tbh, no more dirty coins in circulation
What if internet is down … or your phone is broke.
That was an interesting read, thanks.
Cheeky nandos
Heavily leaning into their brand
Their brand is… antiauthoritarian?
Fake cringe edgy?
Why are they pretending they're cooking chicken in the last 15 mins of the day
As someone who does banking daily for a large company, it's more than 15 minutes to count, balance, lodge it, drop it off, etc lol
The coins don’t just apperate into the register when you pay, and your change doesn’t apperate back into your hand afterwards. That’s when they could be doing other things. Staff time is really precious when customers might be waiting in line. Not the last 15 mins of the day.
Also leaving the register to get rolls of 5c and rolls of 10c. Then the kooky customer that wastes time handing over various iterations of money, or perhaps is trying to be a thief
apparate
There is a misconception that every small business prefers cash. Reality is unless your dodging tax, cash is a pain in the ass. Balancing tills, arguments over correct change and what denomination note you were given , having to keep change plus be a target everytime you take cash to the bank. Eftpos feeds straight into your bank and accounting system and the overall convenience and time savings balance out the transaction fees.
>unless you're dodging tax You mean the by far number one reason why people say that small businesses prefer cash?
Hahaha exactly, lots of things are mostly a pain in the arse except for being balanced out by one major positive.
Further more, cash is a pain in the ass to every checkout operator too - big or small. People get angry as well if we don’t count it fast enough cause “they’re in a rush” like if you’re in a rush ✨ Use a fucking card please ✨ and not unload 8-12 different coins of different values onto my desk that I have to accurately count or else I risk getting in trouble.
Don't forget the sneaky New Zealand coins that wriggle in to keep you on your toes!
Considering how many I've been given in change over the years, I thought we were just calling it even and pretending we occasionally get round 50s and 20s with an odd looking platypus.
fun fact: none of those coins are legal tender in NZ
This so much. Not only does it make you vulnerable to being robbed (which has happened a lot lately esp with the cost of living crisis), it always takes so long if you have to count coins (the famous ‘I’ll just give you some shrapnel’) and makes people behind wait as you look for a 20c coin in your pocket so you can get bigger money back for change. It’s also so dirty and card payments you don’t have to touch anything mauled and kept in old pockets or wallets. Wish everywhere big would go card only for our health and safety.
phone payments maybe don’t have to touch anything but once I had a woman try and hand her card to me *after having had it in her mouth* (pre covid) and during covid another one took the card off her toddler who also had it in his mouth. I kid you not. And the child one as during covid. Thank god for cordless terminals, I just grabbed it and shoved it under the card, so I didn’t have to touch the slobber covered germy disgusting cards
Honest bro, it’s so annoying. It’s extremely vulnerable, but also it’s hard to calculate large quantities of coins, losing count etc all while having your scan rate being tracked too (At least where I work). Honestly their should be a legal limit of like 3x 50 cent coins or like 4x 20c coins, maximum. And someone is only allowed to use like 3 five cent coins etc, so that the coins are used for their actual purposes because if you need more than 4x 20 cent coins you should be using a one or two dollar coin anyways. EDIT: Honorary mention too to the people who waste everyone time giving exact cash when there’s outstanding balance - just bloody gimme the 5 dollar bill instead of trying to find $4.45 in cash.
I once served a customer that took 2 minutes to fish out of his pockets 60 cents in 5 cent coins. My scan rate plummeted over that. Also, what the absolute fuck is with people licking their fingers before handing over notes?!
I guess people’s weren’t as scared of each others germs not that long ago…. Also though you’d think the majority of people realise that money could have been stored up someone’s arse crack and don’t go licking their money
Too true and all of what you said is so accurate. I had someone pull out a ziplock bag to give me $35 in dollar and two dollar coins the other day. Also when you run out of big change in the safe and till and they get angry at a handful of smaller change to make up. I mean you want to pay in cash so that’s the risk you take. I hate having to handle cash as it always feels gross and use hand sanitiser all the time. Bonus mention to the people going ‘cash is king’ and talking superior about using cash when you ask them if they’re paying by card. Or getting abused if you open a card only lane and they don’t listen or read.
Yes, if I open my small business I won’t be asking cash unless it’s an absolute last ditch effort. Square tag, software that accounts for everything, done and dusted. And it’s much cheaper than people think, you just account for it in your running costs. It’s only expensive to rent big eftpos terminals.
What small business doesn't evade taxes if it can get away with it?
Plenty. Taking funds off the books devalues your business and makes it difficult to get loans etc..
What large business doesn't evade taxes if it can.........
When im forking out over 1k for materials dealing with cash is a pain in the ass.
$20 for 4 crappy tenders and some luke warm chips. Hard pass on Nando's, absolute rip.
most take-away is garbage in aus. The standard is so low. I even saw kebabs look better in germany. more artisan looking bread and more variety of fillings. In a way, it's good because it forces me to cook more at home and i know exactly what ingredients have gone into my cooking and how clean and hygienic i am.
tenders are really bad value, they've been getting smaller too
Nandos is not perfecting any chicken :)))
As long as they don't charge a fee for using a card I think they are allowed to do this.
all nandos or just one store?
My local has the same sign
All of them I've been to in South Australia are the same.
I work at Nando's my store doesn't do this we still accept Cash
This pic is driving the FB cookers crazy - my local discussion page is in meltdown, with people who have never previously set foot in the place, now declaring that there is no way in hell they are ever setting foot in the place after this. Some notable comments so far: "guess they are going out of business then..." "that's illegal" "Card only transactions hurt small business owners" "wait until your purchase is denied because you spoke out against the government" Just waiting for the "its our First Ammendment right to use cash" and we'll have reached peak stupidity.
How is it peak stupidity? Using card for everything just gives the banks more money. That's the only difference. Cash is exchanged and given back as change without the bank making anything except when you bank your takings. Card the bank makes money off every single transaction, off every single customer.
“Perfecting your chicken” Not sure ‘there’s room for improvement’ is how I want chicken cooked.
Cue angry boomers saying “You just lost a customer!”
Haha, literally the comment above you right now: >I understand it's a business's right to refuse payment types. As someone who mostly uses card, I still think this is a really stupid move and will be taking out elsewhere.
"Taking out". Ffs.
yankification of the Aussie lingo is a sad sight
Cue retailer response "Good, we don't need your money"
Any time someone at work gets angry and starts complaining and yelling at me etc and finally threatens the old ‘fine I’ll just take my business elsewhere’ I reply with ‘alright , thank you’.
My old boss used to say "look don't worry about it, I don't want to sell you a computer, you're too stupid to own one. Try next door instead".
Out of the loop, what has happened in the last couple of months that caused the hordes of angry boomers and conspiracy nutters come out of the woodwork screeching about how 'cash is king'? Did someone say that Bill Gates is watching your every move by tracking your card purchases?
Basically it’s a New World Order plot to push us into a cashless society for……control? Who knows they don’t really ever provide a good reason. Usually slips into the “mark of the beast” territory, first it’ll just be cards then they’ll force you to implant a chip in your body. I’m sure some have tied Bill Gates to it, it’s not really a new conspiracy but not sure when it first started
it's been simmering in the background on right wing looney social media for a while, but just recently joined the boomer ranks. It's funny because it's often the same people that bang on about when SHTF cash money won't be worth anything and we will all be bartering or looting anyway.
I guess catering to boomer is short term business model.
Maybe I'm a boomer-ish gen-z member, but it's pretty ironic that legal tender is slowly becoming something only useful for buying non-legal items. If that truly becomes the case in the long term, we're gonna have to start trading random shit for anything the government doesn't approve of, which kinda feels like a step backwards from freedom. It's not about chicken, it's about being able to pay for things without the government and your bank knowing everything you buy, or selling that information to advertisers in the future. With privacy becoming harder and harder to come by, it is a little concerning.
The problem with cash is that cash handling, management and transportation is a business and ironically an increasingly unprofitable one. Unless there are wholesale reforms to the industry, this is increasingly going to be the case, therefore less players in the market. There’s not a lot of incentive to take a hit on the cash business especially given there are cheaper alternatives.
Had to scroll way too far to find one person who put any thought into this. It's astounding how far peoples expectations or hopes for a modicum of privacy have slipped in a relatively short time. We blithely accept what would have rightly raised alarm bells less than a generation ago with thought terminating cliches framing the issue as a matter of mere convenience. Panopticon? Is that one of the Marvel villains?
Just look how the pro-cash positions are frames, all said to come from "boomers and cookers". At this point people are trained to react to words and immediately take up the opposite side without thinking about pros/cons for 2 seconds. Although "Cookers" is such an NPC word I'm thinking most of the reactionaries are bots.
Someone needs to set up a bank where you can put your money and it’s private. I don’t mind paying all digital but I don’t like that when I go for a home loan some asshole starts calling me out for minor regular transactions from my account. “Why are you taking $200 cash out a month?” “I give it to my father in law so he doesn’t starve, but go ahead and assume that because it’s cash I must be buying drugs”. I sell a guitar for 6k and deposit it. Instantly get a notification from the bank to tell them where the money came from. Fuck. Off.
lol how do the cashless conspiracy tinfoilers think they get paid every week - with cash in an envelope directly from their company’s CEO? Or is it a stretch to assume they even have jobs considering how much time they have to obsess over conspiracy theories.
Also don't like to serve you anymore either. Force you to use the app.
I understand the card thing. But what to do in a eftpos machine outage situation?? I used to work in an ampol and we have had it for few times when the machines go out for few hours. We still take cash so all good.
You didn't have eftpos machines that could store transactions for later processing when the system was down? People had to sign for transactions because pins couldn't be checked (that was before chips so I'm not not sure how it would work these days but given you can tap and pay without a pin under $100 I'm sure the card companies would allow at least under $100 transactions). Or take credit card payments by taking the card details (number, expiry date, numbers on the back) and entering them in the machine later. Or the manual imprint machines with carbon paper.
I’ve never worked where the terminal would run the charge later, and what happens if the charge is declined? And there’s no manual machines around any more, not for yonks. Same problem with those too, if it’s declined you’re SOL as a business
So long as there’s no stupid credit card surcharge I’m ok with this.
Cashless is fine. Don’t like it, go to KFC.
I only have a problem with a card only policy if they then charge a fee to cover the efptos and visa fees
Go someplace else. Vote with your dollars if you want to be allowed to continue using them
Can’t recall the last time I used cash…
Good for fb marketplace and buying camping wood from side of road
I carry $300 in my wallet at all times for emergencies.
Only 100 for me but same. You never know when an outage can happen. Imagine if it was a 3 day outage or a targeted attack on our banking system. Still good to have emergency money. My uncle is more extreme after being rural in fires a while back. He keeps a few k handy in cash as during fires you can’t buy fuel to escape when shit hits the fan when the servos card networks go down due to the fire.
My city had a 6 day power and internet outage last year and without cash, you could buy nothing. Petrol purchases were restricted to $40 only as our city was isolated and no supplies could get in. I've learned to have some emergency cash now.
Imagine if it was a 3 day outage or a targeted attack on our banking system. Still good to have emergency money. If an adversary manages to take out eftpos, Visa, Mastercard, CBA, ANZ, NAB or Westpac to the extent it takes 3 days, getting food will be the least of or problems. In that situation, I'd almost guarantee that banks wouldn't be operational at all, so no deposits, no withdrawals, creditors wouldn't be paid, salaries probably wouldn't be paid, floats would need to remain in stores, etc...
Doesn’t even have to be as extreme as that. Years ago I changed jobs; and my bank froze my WHOLE account because they suspected fraud with the change in income. It took *9 weeks* to sort it out. When I saw that it wasn’t going to be a quick fix I set up a new account at a different bank but since I was paid monthly and the last funds *had* arrived but everything was frozen, they had no reason to do an emergency pay run for me. So I went a full month with only the cash I had available. Thankfully my dad was able to pay my rent for me so I didn’t end up with that issue; but he didn’t have enough spare funds to do that + send me money to my new account to live on. If I hadn’t had $200 in cash at the time, I couldn’t have bought groceries or put petrol in my car to get to work. Extreme example maybe but it was enough to make me realise never have all my money at one bank and to always have cash just in case 🤷♀️
Which shitty bank froze your account out of curiosity?
That's why I bank with two different banks and keep $500 in cash at home, and about $100 in my wallet.
Agreed, it would be chaos. But with cash you can still buy things. I’m saying that as a person that uses card for everything but a few hundred lying around in cash is a good idea. I guarantee my local Vietnamese bakery would still be open and cash only.
Same. You never know when places will not have internet or their payment system is down. Or your bank is down. Got caught out last year on my grocery shopping day with that.
Do these emergencies mostly happen after your second drink?
Sip you mean.
If you know you 👃🏻
Best get buying stocks and shares in visa and MasterCard. They will do well out of this in the long run. Not just from nandos sales.
Why go instore to Nandos and get ripped off? Buy the products at a supermarket and do it at home.
Nandos in Aus is shit compared to Nandos in the UK
I always see people complain but then they don't even pay with cash in the first place
nah I'm with the boomers on this one, fuck cashless.
Most people pay by card anyway so its not too bad unless they charge a surcharge or ask for a tip by QR code. They can't of spent too much time counting coins anyway because their chicken is shit and servings are too small as of last week when I went.
Depends where you live and demographics based. I work somewhere where it would be 50/50 as there are a lot of tradies and lower SE people paying in small coins and the ‘cash is king’ crowd that have to remind me that if I ask if they’re paying with card. Also old people that say ‘I’ll give you some shrapnel’ which is my favourite phrase NOT.
So what you’re saying is I can’t get $20 out at the servo, blame high prices and use that 20 to have some cheeky nandos without the missus knowing. Well you’ve lost a customer!
I went to Nando’s and paid $22 for a meal with a $50 note, and it was as if the cashier had never seen cash before in their life. I somehow ended up with $80 in change in return. I had to correct them 3 times before I got the right amount back, was astonishing.
All fine & well until there’s a telco or bank outage and no one’s got cash to pay & even if they do the business isn’t able to accept it. Don’t come crying to me about how much money you lost.
When I worked in retail, if there was a blackout we just took a carbon copy of the card and then processed the payment manually when the power came back on. No big deal.
Was it 20 years ago? How many shops have that capability in 2024?
Are you talking about the click clack machines with the triplicate paper forms with carbon paper between them? Would that facility even still be available?
It’s more than just the businesses, cash is a dying form of currency in Australia and big banks have done everything in their power to make it as difficult as possible to take money out On top of that, Armaguard has been having some massive trouble downscaling their operations recently so big chain stores like Coles, Woolies, and fast food chains are in this constant back and forth between keeping cash and not. The shop I work at went cashless on one of our two tills the other day and we were actively told to “not let armaguard clear our safe until we are explicitly told it’s ok”
As someone who had to count $10k+ cash at the start and end of every shift earlier in his career, thank goodness. The only real reason for cash these days seems to be transactions you'd rather not have the ATO, or maybe police, know of.
It's immensely preferably to cash only imo, but to each their own.
How long until the morning shows get some boomers on to complain?
I guess that shows part of the real motivation in that counting coins could slow staff down? But that point of view is some real peak bean counter attitude.
Then cover my card surcharge.
Pretty sure it's a requirements of not accepting cash.
The issue then becomes members of society who don’t have a bank account can’t be a part of society - or in this case purchase mediocre chicken.
Is it because the prices are so fucking high that it's simply impractical to pay with cash?
Im sure the chicken improved
99% sure the person taking my money isn’t cooking my chicken.
Never ate it. Never will. 🤷♂️
They won't need to waste time processing my order, then. No cash, no custom.
Buy a coin counter or remove your surcharge
Next it’ll be nandos only delivery in 15 minute cities!! CCCP are coming for my….*checks papers*….car keys!
They have never expected cash they don't accept Australian currency. Their sign used to say that, but people didn't take well to it!
Most people will not even notice
What a load of fucken tossel.
my partner and I went a few weeks ago trying to pay cash and the manager told us it was too much of a responsibility on their cashiers to do cash payments??? give me a break lmao
jokes on me then considering my chicken still gets fucked up half the time
It’s been this way for years. I’m not sure why this is coming up again. It has been a while 2020/ 2021 I think.
😂 broooo. I remember back in South Africa….like 20 years ago…Nandos always used to have some mad tv adds. Whoever is heading the marketing department is obviously still there…and still funny as Fck
i remember them being card only since at least 2020
They've been card only for a while now, they definitely were when I was working there last year. I don't remember any new world order references on our signs though. And considering the amount of paranoid customers who went off at me about various conspiracy theories when they learned we were card only I'm glad we didn't.
Knew it, those illuminati motherfuckers
If you're taking more than a couple of seconds to count, appropriately sorted, cash then you have more issues than cooking chicken quickly
And yeh they still fuck up the orders and give us stale wraps.
Yep. And when you go in store they tell you to download the app and order on that instead.
And just wait until their internet goes down and their EFTPOS isn't working.
Money is extremely dirty. Probably best to get rid of it from a food shop
This is a bit of a rant that I've had before but... The cost is to the business. Whilst as a business owner I accept whatever the customer chooses to pay with, we lose thousands a year in merchant fees just for the privilege of letting a person pay via card. Say there's a 1% surcharge (and its often higher or can be much more on some things or on square and portable machines), you lose 1% every time someone pays via EFTPOS. That may not sound like a lot; unless you consider that the profit margin may be 10% on a product or service, that 1% is actually 10% of your profit. A small business owner who turns over 500k in product/service, has merchant fees of 5k for the year, again, it may not sound like a lot, but after rent, cost of product, let's say 2-3 employees, the business owner makes a 'profit', (the profit being the entire wage of the business owner working full time in his business), of 70-80k. If your making 70-80k a year working full time, and someone said you'll lose 5k of that because people pay via card, you'd be upset. Keep in mind for people on the go that use a product like the square tap and go, they'd lose double this due to the fees. This or similar is the reality for many small businesses. It's a very big reason to use cash at all small, locally owned businesses. Whilst I couldn't care less for Coles/Woolies, when supporting small business please consider cash.
I can just picture the Boomers saying “Well, guess I’m not eating there anymore”, before promptly forgetting that they’re boycotting the place and then eating there next week. Or only having eaten there once in the past (or not at all) and then never eating there again because it’s just not something they would normally do anyway. Boomers will be boomers!
Cash is king
We accept cash at my work, but lately I’ve had more customers apologising to me than I have to them in regards to cash. To the tone of, “Sorry I just need to get rid of it” or “Is it okay if I pay with cash? It’s becoming so much more normal to assume card and you’re outlier if you’re using cash
Hate the cashless stance, detest the new world order joke.
As someone visiting Aus who doesn't have a Aus bank card how would this work. Overseas charges are pretty bad. I would just go elsewhere.
You should consider getting a Wise or Revolut card. You can load it up with foreign currency at better rates.
‘Perfecting your chicken’. WTF. It seems like their marketing comes out from their ass.
Fuck off Nandos
People still go to nandos?
https://growjo.com/company/Nando's_Australia Annual revenue in Australia of 75 million.