– Whether there will be a fee has not been decided yet, but it is right that we are considering it, says communication Ingrid Solberg Gundersen Norway Group.
Norsgesgruppen is the largest trading house in Norway and owns several of the major supermarket chains, such as Kiwi, Menu, Ultra and Joker and kiosks Mix and Deli de Luca. They also have ownership in many other commercial establishments, which Kaffebrenneriet, Dolly Dimples, Gulp and Big Horn.
Now they write in a note to the stores that during 2015 will likely introduce fee using by credit card, contactless payment and cash withdrawal.
It was the site Bonus Fever who first publicized case and who have obtained in the internal note.
Norway Group admits that they have now facilitated to impose such a fee customers and explains it this way:
– It is also to make customers aware that it currently costs nothing to pay with credit card or cashless payment, but you as a customer pay nothing. It is the store that takes the bill, says Gundersen, who emphasizes that it is not appropriate to impose fees on regular debit cards with pin code.
In the note writes Norway Group:
” The time when Norway group optionally introducing fee is not yet decided. “
expensive for shops
Today Norway has a separate banking system, Bank Acceptance, which bypasses the system to the major card companies. This is much cheaper and is used by most of us when we pay with debit cards.
In recent years, however, the use of credit cards has risen in this country. More than ever before choose to use them to pay for themselves in grocery stores too. This is largely because it is linked benefits to the use of these cards collection of points that can be transferred to, among other flights.
This experience shopkeepers, particularly Norway Group, which is problematic. The reason is that they use a different infrastructure and it is more expensive.
– This means significantly increased costs for stores. Total for Norway Group are talking about approximately 200 million, says Gundersen.
The size is not clear
The stores have a total a cost of just under 1 percent of your purchases when you trades with credit cards or contactless payment.
If you buy for 500, it becomes scant 5 million in cost of sales.
According to Norway Group trades eight out of ten customers under 200 dollars.
As Aftenposten know would any fee not exceed 2 million.
The fee on the card subject to VAT, while fee on cash advances are not subject to VAT .
– While the former was more common banks ila their customers fees for betalingsstjenester in store, this cost is not so visible today. Now pay shops entire cost and banks earn on this, she says, and asks if not banks should take responsibility here.
– Up to customer
She also adds that Norway Group will facilitate customers to be able to use all types of payment methods.
– So it is up to the customer to choose, says Gundersen.
She will not go into how large a fee may end on, in that Norway Group has not yet taken any decision on it will charge at all.
Anyone who used credit cards until the early 2000s , remember that banks ila fees ranged from a penny to seven million for the most expensive card services. Now most cards free of charge from the bank. But in online stores, including in a number of airlines, one must often pay a fee to the seller.
Refers also to Norges Bank
Norway Group points to Norges Bank, which according to the note believes customers should faced the prices that reflect the actual costs associated with the various payment options that will be introduced.
Consumer Council told Aftenposten that a fee is consistent with the new rules that we have had for some years, but no shops have dared to use.
– We have not seen the cost of paying, but that there has not been a fee has enticed many to believe that it is free, says technical director for Finance Jorge Jensen Consumer Council.
He adds that in practice have paid this in terms of higher prices for goods in the shop.
– Norges Bank has estimated that every credit card transaction costs 13 kroner, while a debitkorttransaksjon costs 3, he says and points out how important it is that the stores informs about how much each payment actually costs.
fee on cash advances
Also cash withdrawals can be affected by Norway Group’s new fee policy.
In the internal memo writing Norway Group following:
“It’s the banks that have the responsibility and obligation to their customers to ensure that their customers have access to banking services as withdrawals and deposits. In recent years, more and more banks liquidated these services through its branches and in addition there have been fewer ATMs deployed in Norway. This implies a greater demand in our stores by customers who need cash. This is a service that fits well for us to offer, but the challenge is that we get applied increasingly higher costs to maintain a satisfactory level of service. “
Coop has no plans to introduce fees for use of credit cards in stores, says Harald Kristiansen Coop Aftenposten.
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