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  # 1010991 22-Mar-2014 11:49
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johnr:
Linuxluver:
johnr: Pay by internet banking,


If you top up using VISA debit using "TMU" on the phone, do you still pay the 2% surcharge? 


Topup or pay a bill? These are 2 different things


Not really - they are the same thing. The only difference is that one is paid in advance....





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  # 1010993 22-Mar-2014 11:55
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I may have missed it, but have VF produced proof from their bank that each transaction is charged 2% or are we just having to take their word for that?

I would have thought it reasonable to expect  proof.





 
 
 
 


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  # 1011028 22-Mar-2014 12:52
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Hiya

"Once you make the payment the convenience charge will appear  on your credit card statement as a separate line item." 

More here if you want.

m




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  # 1011038 22-Mar-2014 13:39
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MikeHales: Hiya

"Once you make the payment the convenience charge will appear  on your credit card statement as a separate line item." 

More here if you want.

m

Indeed, I just saw it on a credit card used to pay an account automatically each month...

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  # 1011047 22-Mar-2014 14:18
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I must say I am overwhelmed with the amount of interest in this post. 

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  # 1011065 22-Mar-2014 16:34
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Geektastic: I may have missed it, but have VF produced proof from their bank that each transaction is charged 2% or are we just having to take their word for that?

I would have thought it reasonable to expect  proof.


Pretty sure that the police and ACC also charge for payments by CC. CC fees do range from 2% up to as high as 4-5% for some providers. ALthough with those two cases, I guess is the fee was absorbed, it would end up being covered by the tax payer.

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  # 1011263 23-Mar-2014 10:34
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Geektastic: I may have missed it, but have VF produced proof from their bank that each transaction is charged 2% or are we just having to take their word for that?

I would have thought it reasonable to expect  proof.


If it's anything like Telecom, the way it works is that instead of charging Vodafone the commission on the transaction, the credit card processor charges it to you instead (which means you see a charge from their bank - usually Westpac, American Express or Diners Club - which is now The Warehouse, incidentally).

What I have noticed though is that when a company applies the "convenience fee" model, the commission rate becomes far worse than if they absorbed it directly or absorbed it and passed it on in your invoice (2% is way too high for a company with volumes like Telecom or Vodafone, unless they have gone to less than zero effort to negotiate a decent rate.  PB Tech's 2.5% is highway robbery, and I'm absolutely certain it's more than their actual commission rate).

 
 
 
 


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  # 1011303 23-Mar-2014 12:09
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Can someone (Mike?) explain the simplest way to set up a direct payment from credit card (avoiding the surcharge) for a former TC customer (i.e. no Vodafone.co.nz login).

Thanks


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  # 1011307 23-Mar-2014 12:19
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Hiya

Yes, you can set up an automatic payment - Variable Credit Card agreement.

Hope that helps.

m




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  # 1011308 23-Mar-2014 12:22
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Thanks Mike, very prompt and helpful. It wasn't that easy to find when I clicked on the various links about ways to pay.

While I too don't like credit card surcharges, I admire your forbearance with some of the commentary here.



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  # 1011313 23-Mar-2014 12:33
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Yes, apologies, going to update the info on the website next week, agree it's not clearly labelled.




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  # 1012464 25-Mar-2014 13:47
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As a comparable (sort of) I just stayed in an Accor Group hotel in Auckland. 

The standard fee they charge for credit card payment of bills is 1.5%.

I am personally not in favour of separating these charges from the cost of doing business but if it is going to happen, the 'convenience fee' smacks of a bit of free money making when compared to 'passing on costs imposed on us by the bank'. Even that is dodgy of course, since banks charge for pretty much everything in a business account, so VF (or anyone else doing this) are not passing on those other charges other than as a cost of doing business.





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  # 1012590 25-Mar-2014 17:15
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Geektastic: As a comparable (sort of) I just stayed in an Accor Group hotel in Auckland. 

The standard fee they charge for credit card payment of bills is 1.5%.

I am personally not in favour of separating these charges from the cost of doing business but if it is going to happen, the 'convenience fee' smacks of a bit of free money making when compared to 'passing on costs imposed on us by the bank'. Even that is dodgy of course, since banks charge for pretty much everything in a business account, so VF (or anyone else doing this) are not passing on those other charges other than as a cost of doing business.


total agree with you on that, when where i worked at look at total cost to collect money for people paying there bills, the most expensive was cash, what with checking the teller cash match, on site security to store cash, and to then get the cash off site to the bank, then it was credit card payment on-site, online banking - due to time wasted by someone matching wrong ref# to payments - you be surprise how many people can get that wrong, then eftpos payment onsite, then the cheapish method (by a long way) was on-line payment with credit card as the person filling in the form is free, only cost was some power for the servers, cost of the server, internet (most of which was already getting paid for any way) and 2% CC fee, so they decided not to pass it on the customer as they WANTED people to use the online portal as it was a big cost saving for them.

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  # 1012611 25-Mar-2014 18:03
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jeffnz: I limit my use of the Visa until I need to as it costs me.


For the vast majority of purchases on a CC, it shouldn't cost you any more, as most retailers absorb the fee. As long as you pay off the full amount each month that is.

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  # 1012666 25-Mar-2014 19:40
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perhaps an AP of a dollar a day would be better for them to process?




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