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Directing Supplier: Card payment

03.12.2015

This article was translated by an automatic translation system, and was therefore not reviewed by people.

 

 

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In the lectures promoted by Procon-SP, representatives of companies usually ask our experts if they are forced to accept card, it can charge differentiated value to who paid with cash, etc .. To answer these questions and for your establishment works in accordance with current legislation, check the following guidelines:

- The supplier is not obliged to accept card (credit or debit) in your establishment. The only way to mandatory payment is the national currency, as stipulated in Article 315 of the Civil Code.

- If the supplier chooses not to accept card payment, it is important to report on the restriction of clear, precise and ostentatious, preferably with posters in easy viewing spot for the consumer. This can help prevent problems with the customer.

- If you choose to accept this form of payment, the supplier may not pass on to consumers the card administrator of charges, not cash any fees if there is the necessity of returning the amount paid by the consumer. The transfer of these costs is characterized abuse.

- If granted discount on a particular product or service, it should be practiced in all forms of payment: cash, credit card, debit or check (if accepted them), unless the trader previously inform the consumer that the discount is being promoted by certain card company. In this case the supplier must inform all the conditions of the promotion.

- The provider may charge interest in the installment of a product, when paid with credit card. However, it must first inform the consumer all the conditions of the sale to run. With the product or service of the prospectus must contain the full amount, the amount of installments, the respective values of each, any interest and charges levied.

 - If the price is stickers, should also contain the above data, eliminating confusion and doubts.

- The property may not require minimum to accept credit card payments (credit and / or debit).

- If you accept card payment, the property may not restrict the purchase of products (beverages and tobacco, for example).

Important! The provider should ask the consumer, you want to pay by card, a photo identification. If he refuses, the establishment has the right not to make the sale.

Next week, we'll contracts.

 

Source: Procon-SP

To access the Procon-SP site, click here.

 

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This article was translated by an automatic translation system, and was therefore not reviewed by people.

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