In a startling discovery that has ignited outrage across the UK, a simple act of placing a card reader on a pub's bar has exposed a massive hidden cost for drinkers. The device, spotted in a London establishment, revealed a jaw-dropping 10% surcharge automatically applied to every contactless transaction.
The incident, captured and shared online, shows the card reader's screen clearly displaying the additional fee before a payment is even confirmed. This practice, while not illegal if disclosed, raises serious questions about transparency and the true cost of a pint for unsuspecting customers.
The Hidden Cost of a Quick Tap
Many patrons, accustomed to the convenience of tap-to-pay, are completely unaware that their local might be adding a premium to their round. This surcharge is often a way for businesses to offset the transaction fees charged by banks and payment processors, but passing it directly to the customer in such a steep manner has been called into question.
Consumer advocacy groups have been quick to respond, urging for greater clarity. The fundamental principle is that the price advertised should be the price you pay. Hidden fees, especially ones discovered at the point of payment, undermine trust and leave a bitter taste.
What Does The Law Say?
According to UK regulations, businesses are permitted to charge customers extra for using a credit or debit card. However, this must be made explicitly clear beforehand. The rules state that these charges must not exceed the cost borne by the business for processing the payment.
The discovery of a 10% fee is particularly egregious, as it likely far exceeds the actual cost to the pub, which typically ranges between 0.7% and 1.5% for card transactions. This suggests the surcharge is being used as a profit mechanism rather than simply covering costs.
A Nationwide Issue for Pub-Goers
This is not an isolated incident. As more pubs and bars move towards becoming cashless, especially in the wake of the pandemic, these surcharges are becoming more common. Patrons are advised to be vigilant and always check the screen of the card reader before tapping their phone or card.
Some establishments are leading by example, absorbing the minimal processing fees as a standard cost of doing business, much like they would with electricity or rent. This approach is widely seen as more customer-friendly and transparent.
The revelation serves as a crucial reminder for consumers to stay aware and for businesses to prioritise honesty in their pricing. The next time you reach for your card, a quick glance could save you from an unexpected and inflated bill.
