Ok whats wrong with this pic

[Mike Costello]

I'm glad you never had any issues, but that does not mean the next guy who walks out on the ice doesn't get wet.

As to lawyers, the problem is the CC companies have lawyers on staff that write and review these agreements for any potential weakness. If there is a loophole in it the price to find will start in the neighborhood of $250.00 an hour and if you want a "good lawyer" you are probably looking at $500/hr.
That money will come out of Mr Smith's bottom line.

What ice? Expensive lawyers run both ways. The cc companies write off more expensive debt than a repair bill over a tractor every day. Couple that with bad publicity= no upside for them. Bottom line: Cash talks-BS walks.

 

[sixdogs]

Bottom line: Cash talks-BS walks.

I think we have a winner...

 

[CBW1999]

Regardless of the merchant or cardholder rules- method of payment was agreed upon as part of the repair/work order- wasn't it. That would be the contract that would hold up in court.

In that case, doesn't matter if he processes CC's or not, there is a valid contract specifying what payment would be made. So in the end, the merchant in this case would not be violating his terms.

That might not be a bad thing to include on invoicing- some type of section that specifies type of payment, to be used when appropriate.

 

[Robb71]

What ice? Expensive lawyers run both ways. The cc companies write off more expensive debt than a repair bill over a tractor every day. Couple that with bad publicity= no upside for them. Bottom line: Cash talks-BS walks.

The ice was an expression meaning just because you got away with it does not mean the next guy will. Sorry it went over your head.

Look, I'm tired of explaining what a group of words means to couple of people who do not understand and refuse to open their minds.

Bottom line is that there exists a merchant agreement that the dealer signed, and I linked a copy of it or a substantially similar version in my earlier post.

If there is a loophole that would be awesome, I hope Mr Smith can find it, because I have the same opinion of the tractor's owner as everyone else in the thread.
If there is not a loophole I just want him to be aware of it because he seems like a really stand up guy and I would want my neighbor or friend to warn me if I was about to do something that could cause a problem.

If you can show me where I have stated a factual error or where the merchant agreement allows the dealer to refuse to accept a valid card for payment I have an open mind, otherwise let us just agree to disagree.

Fair enough?

 

[Robb71]

Regardless of the merchant or cardholder rules- method of payment was agreed upon as part of the repair/work order- wasn't it. That would be the contract that would hold up in court.

In that case, doesn't matter if he processes CC's or not, there is a valid contract specifying what payment would be made. So in the end, the merchant in this case would not be violating his terms.

That might not be a bad thing to include on invoicing- some type of section that specifies type of payment, to be used when appropriate.

I do not believe there is information one way or the other in the thread if the form of payment was agreed to before work began.
Read Mr Smiths posts #169 and 196.

You can't disregard the merchant rules because you violated them before work began, you either take plastic or you don't.

It really is black and white.
There just isn't any gray area, but like I told the last guy if you can show me a fact I am open minded.

 

[blueriver]

I do not believe there is information one way or the other in the thread if the form of payment was agreed to before work began.
Read Mr Smiths posts #169 and 196.

You can't disregard the merchant rules because you violated them before work began, you either take plastic or you don't.

It really is black and white.
There just isn't any gray area, but like I told the last guy if you can show me a fact I am open minded.

JL Smith somewhere told the customer cash ... thats black and white! I called my processing company today. Maybe it varies from CC processing company ... Mine told me I have the right to decide weather to accept any card at any time and does not put me in breach of my merchant agreement, however I may lose the sale if the customer does not have cash.

I was also told even though I have the MC, Visa, Discover logo's displayed I can express cash as my preferred choice of payment at the time during the purchase... Thats the way my company explained it to me.

 

[Robb71]

JL Smith somewhere told the customer cash ... thats black and white! I called my processing company today. Maybe it varies from CC processing company ... Mine told me I have the right to decide weather to accept any card at any time and does not put me in breach of my merchant agreement, however I may lose the sale if the customer does not have cash.

I was also told even though I have the MC, Visa, Discover logo's displayed I can express cash as my preferred choice of payment at the time during the purchase... Thats the way my company explained it to me.

Who do you use to process your credit transactions?

 

[kidr]

Didn't the op say that the customer wanted to use a cc that the op's company did not deal with? I thought I read that ,but then I'm blind in one eye and can't see out of the other.

 

[Just Bill]

It really does not matter what the Visa or Master Card agreements says.
If you try to pay with a cc that is not accepted you have to play by the sellers rules.
If the whole post is read the customer was informed cash only.

 

[Robb71]

I'll try again.

This is direct from the MasterCard company rules:

"A Merchant must honor all valid Cards without discrimination when properly presented for payment."

This is what Visa's rules say:
"If the customer indicates that he or she wants to pay with a Visa card, the merchant must make sure that choice is honored."

"In other words, the choice is ultimately the customer's."

"However, if a customer chooses Visa, it must be processed as a Visa transaction."

Folk's it's not even debatable what the words mean. "All" means all, and "the merchant must make sure that choice is honored" means what it obviously means.

Any further discussion is just proof that half the population is below average intelligence. But like I said if you have facts, (not just what you want it to be) and you really want to share them, instead of hijacking this thread any more just send a private message.