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654 posts

Ultimate Geek


  # 1007087 17-Mar-2014 10:10
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sidders80:
richms: Paying at the post shop needs a printout as their old scanners cant scan a phone screen for the barcode off a PDF. Thats an additional cost for me so its also a hassle.

I am not accepting the 2% charge and will be closing my old ihug email addresses and paying the amount owed, and no more than that.


I believe they can accept payments with just giving out a mobile number too. In any event I am not happy to pay 2% surcharge when I am using a Visa Debit as its my money and not credit. I can set up VF as a bill payee and pay which is easy too but seriously want to pay $40 a week every week at post office towards my bill so there is a fee to VF for every payment made.


If you want to pay $40 a week then you can set up an automatic payment with your bank (you'll most likely be charged a one off bank fee to set it up or change it in the future) or a direct debit (which should be free to set up, and you may have to be assertive and insist you want it to be a weekly direct debit) You wont pay the 2% surcharge on these types of payments from your bank account, and direct debits can be set up weekly even when most companies and banks will say it has to be monthly. You may also have electronic account fees charged each time the weekly payment is made depending on your type of account.

If you do get charged transaction fees on your bank bank account, check with your bank, they'll have an account you can be changed to that wont charge transaction fees on electronic transactions like automatic payments and direct debits.

PS: direct debits paid directly from credit cards can only be monthly and the 2% surcharge will still apply, because MasterCard/Visa will charge it to Vodafone, who will pass it on to you, because *YOU* choose to pay your bill with your credit card.

But who wants to use one debt (your credit card) to pay another debt? (your Vodafone bill) Then there's the credit card interest you'll be charged on the payments made to Vodafone if you dont pay your credit card off in full each month.

Want to avoid all this complication? Pay by Internet Banking. 
 

706 posts

Ultimate Geek

Trusted

  # 1007091 17-Mar-2014 10:17
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MaxLV:
sidders80:
richms: Paying at the post shop needs a printout as their old scanners cant scan a phone screen for the barcode off a PDF. Thats an additional cost for me so its also a hassle.

I am not accepting the 2% charge and will be closing my old ihug email addresses and paying the amount owed, and no more than that.


I believe they can accept payments with just giving out a mobile number too. In any event I am not happy to pay 2% surcharge when I am using a Visa Debit as its my money and not credit. I can set up VF as a bill payee and pay which is easy too but seriously want to pay $40 a week every week at post office towards my bill so there is a fee to VF for every payment made.


If you want to pay $40 a week then you can set up an automatic payment with your bank (you'll most likely be charged a one off bank fee to set it up or change it in the future) or a direct debit (which should be free to set up, and you may have to be assertive and insist you want it to be a weekly direct debit) You wont pay the 2% surcharge on these types of payments from your bank account, and direct debits can be set up weekly even when most companies and banks will say it has to be monthly. You may also have electronic account fees charged each time the weekly payment is made depending on your type of account.

If you do get charged transaction fees on your bank bank account, check with your bank, they'll have an account you can be changed to that wont charge transaction fees on electronic transactions like automatic payments and direct debits.

PS: direct debits paid directly from credit cards can only be monthly and the 2% surcharge will still apply, because MasterCard/Visa will charge it to Vodafone, who will pass it on to you, because *YOU* choose to pay your bill with your credit card.

But who wants to use one debt (your credit card) to pay another debt? (your Vodafone bill) Then there's the credit card interest you'll be charged on the payments made to Vodafone if you dont pay your credit card off in full each month.

Want to avoid all this complication? Pay by Internet Banking. 
 


I wont be charged any of the above fee. I work for a bank lol. I think you have missed my point too. I was discussing the fee on debit card and not a credit card. So I am not using a debt to pay a debt. I am using my own money. Nonetheless its a never ending discussion. Whatever you have suggested I am well aware of all that. It is the timing of the pay sometimes which is why I use my debit card to pay the bill and not a credit card. I can pay through IB too and I am aware of that.




Sid

 
 
 
 


654 posts

Ultimate Geek


  # 1007102 17-Mar-2014 10:24
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mattbush:
MikeHales: Same goes for debit card, set up an automatic payment like a DD, and no fee. Do it through My Vodafone and you don't even need to sign and send anything.


You didn't really answer the question.....why should there be a fee on a debit card??

Also, what I don't understand..if you charge fees for credit cards and debit cards shouldn't you offer a discount for email billing considering there is no postage, envelopes, printing or handling involved?

I guess its all just another way to silently increase pricing!


Vodafone are NOT increasing their prices! They do NOT benefit in any way at all from this 2% surcharge.

When and if your debit card has the MasterCard or Visa logo, then the debit card service is being provided by MasterCard or Visa to your bank, and charge a 2% fee to your bank on certain transactions you make with your debit card, who charge/pass it on to Vodafone, who charge/pass it on to you, because YOU choose to pay your bill with your Debit card.

Dont want to pay the 2% surcharge? Use Internet Banking to pay it directly from your bank account instead of paying it from your bank account with your debit card.  It's that simple. It REALLY is.



654 posts

Ultimate Geek


  # 1007128 17-Mar-2014 10:43
Send private message

sidders80:
MaxLV:
sidders80:
richms: Paying at the post shop needs a printout as their old scanners cant scan a phone screen for the barcode off a PDF. Thats an additional cost for me so its also a hassle.

I am not accepting the 2% charge and will be closing my old ihug email addresses and paying the amount owed, and no more than that.


I believe they can accept payments with just giving out a mobile number too. In any event I am not happy to pay 2% surcharge when I am using a Visa Debit as its my money and not credit. I can set up VF as a bill payee and pay which is easy too but seriously want to pay $40 a week every week at post office towards my bill so there is a fee to VF for every payment made.


If you want to pay $40 a week then you can set up an automatic payment with your bank (you'll most likely be charged a one off bank fee to set it up or change it in the future) or a direct debit (which should be free to set up, and you may have to be assertive and insist you want it to be a weekly direct debit) You wont pay the 2% surcharge on these types of payments from your bank account, and direct debits can be set up weekly even when most companies and banks will say it has to be monthly. You may also have electronic account fees charged each time the weekly payment is made depending on your type of account.

If you do get charged transaction fees on your bank bank account, check with your bank, they'll have an account you can be changed to that wont charge transaction fees on electronic transactions like automatic payments and direct debits.

PS: direct debits paid directly from credit cards can only be monthly and the 2% surcharge will still apply, because MasterCard/Visa will charge it to Vodafone, who will pass it on to you, because *YOU* choose to pay your bill with your credit card.

But who wants to use one debt (your credit card) to pay another debt? (your Vodafone bill) Then there's the credit card interest you'll be charged on the payments made to Vodafone if you dont pay your credit card off in full each month.

Want to avoid all this complication? Pay by Internet Banking. 
 


I wont be charged any of the above fee. I work for a bank lol. I think you have missed my point too. I was discussing the fee on debit card and not a credit card. So I am not using a debt to pay a debt. I am using my own money. Nonetheless its a never ending discussion. Whatever you have suggested I am well aware of all that. It is the timing of the pay sometimes which is why I use my debit card to pay the bill and not a credit card. I can pay through IB too and I am aware of that.



If you do work for a bank then you should know how and why this 2% surcharge applies to debit card transactions.
IF you dont know this then you need to redo your basic 'on the job' training.

All transactions made with a debit card that has the MasterCard or Visa logo, are charged a surcharge, as at some stage the transactions go through the MasterCard or Visa systems, and they charge a fee for every transaction processed by their systems.

Pay by Eftpos with your debit card? The retailer will be charged a surcharge by MasterCard or Visa via their bank for that transaction. (Not sure what it is, but they are charged for for every Eftpos transaction, but most dont pass the fee on to the customer)  



706 posts

Ultimate Geek

Trusted

  # 1007129 17-Mar-2014 10:47
One person supports this post
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MaxLV:
sidders80:
MaxLV:
sidders80:
richms: Paying at the post shop needs a printout as their old scanners cant scan a phone screen for the barcode off a PDF. Thats an additional cost for me so its also a hassle.

I am not accepting the 2% charge and will be closing my old ihug email addresses and paying the amount owed, and no more than that.


I believe they can accept payments with just giving out a mobile number too. In any event I am not happy to pay 2% surcharge when I am using a Visa Debit as its my money and not credit. I can set up VF as a bill payee and pay which is easy too but seriously want to pay $40 a week every week at post office towards my bill so there is a fee to VF for every payment made.


If you want to pay $40 a week then you can set up an automatic payment with your bank (you'll most likely be charged a one off bank fee to set it up or change it in the future) or a direct debit (which should be free to set up, and you may have to be assertive and insist you want it to be a weekly direct debit) You wont pay the 2% surcharge on these types of payments from your bank account, and direct debits can be set up weekly even when most companies and banks will say it has to be monthly. You may also have electronic account fees charged each time the weekly payment is made depending on your type of account.

If you do get charged transaction fees on your bank bank account, check with your bank, they'll have an account you can be changed to that wont charge transaction fees on electronic transactions like automatic payments and direct debits.

PS: direct debits paid directly from credit cards can only be monthly and the 2% surcharge will still apply, because MasterCard/Visa will charge it to Vodafone, who will pass it on to you, because *YOU* choose to pay your bill with your credit card.

But who wants to use one debt (your credit card) to pay another debt? (your Vodafone bill) Then there's the credit card interest you'll be charged on the payments made to Vodafone if you dont pay your credit card off in full each month.

Want to avoid all this complication? Pay by Internet Banking. 
 


I wont be charged any of the above fee. I work for a bank lol. I think you have missed my point too. I was discussing the fee on debit card and not a credit card. So I am not using a debt to pay a debt. I am using my own money. Nonetheless its a never ending discussion. Whatever you have suggested I am well aware of all that. It is the timing of the pay sometimes which is why I use my debit card to pay the bill and not a credit card. I can pay through IB too and I am aware of that.



If you do work for a bank then you should know how and why this 2% surcharge applies to debit card transactions.
IF you dont know this then you need to redo your basic 'on the job' training.

All transactions made with a debit card that has the MasterCard or Visa logo, are charged a surcharge, as at some stage the transactions go through the MasterCard or Visa systems, and they charge a fee for every transaction processed by their systems.

Pay by Eftpos with your debit card? The retailer will be charged a surcharge by MasterCard or Visa via their bank for that transaction. (Not sure what it is, but they are charged for for every Eftpos transaction, but most dont pass the fee on to the customer)  




Dont worry about my training but work on your knowledge. For a retailer it only goes through Visa or mastercard if credit is selected. Dont believe me go and refer the respective sites. Dont know how a bank works so keep your knowledge to yourself than being a smart a**




Sid

487 posts

Ultimate Geek


  # 1007376 17-Mar-2014 15:26
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how can they calm 2% of the total amount being paid! or am i missing something here?




Balm its gone!


13225 posts

Uber Geek

Trusted
Lifetime subscriber

  # 1007473 17-Mar-2014 17:43
Send private message

MaxLV:
mattbush:
MikeHales: Same goes for debit card, set up an automatic payment like a DD, and no fee. Do it through My Vodafone and you don't even need to sign and send anything.


You didn't really answer the question.....why should there be a fee on a debit card??

Also, what I don't understand..if you charge fees for credit cards and debit cards shouldn't you offer a discount for email billing considering there is no postage, envelopes, printing or handling involved?

I guess its all just another way to silently increase pricing!


Vodafone are NOT increasing their prices! They do NOT benefit in any way at all from this 2% surcharge.

When and if your debit card has the MasterCard or Visa logo, then the debit card service is being provided by MasterCard or Visa to your bank, and charge a 2% fee to your bank on certain transactions you make with your debit card, who charge/pass it on to Vodafone, who charge/pass it on to you, because YOU choose to pay your bill with your Debit card.

Dont want to pay the 2% surcharge? Use Internet Banking to pay it directly from your bank account instead of paying it from your bank account with your debit card.  It's that simple. It REALLY is.




I'm not sure I believe that they don't benefit in any way. 

For a start, they are 2% better off, assuming they are charged 2%.

If they are charged less than 2% (and VF is a pretty big company so they have some serious negotiating power) then they are clipping the ticket just for fun.

It would be interesting to see what happens in countries where you are not legally allowed to surcharge card fees.





 
 
 
 


13225 posts

Uber Geek

Trusted
Lifetime subscriber

  # 1007477 17-Mar-2014 17:46
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richms:
Geektastic:
Why else do you think prepay was invented?


Because people have erratic usage patterns and dont want to commit to a certain spend each month when they can get better value from a prepaid service and not get yet another bill to have to worry about paying on time?


No. It was invented to allow mobile companies to give phones to people with bad credit, so they could have more customers.





563 posts

Ultimate Geek


  # 1007711 17-Mar-2014 21:45
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Geektastic:
richms:
Geektastic:
Why else do you think prepay was invented?


Because people have erratic usage patterns and dont want to commit to a certain spend each month when they can get better value from a prepaid service and not get yet another bill to have to worry about paying on time?


No. It was invented to allow mobile companies to give phones to people with bad credit, so they could have more customers.


I'm sure that that is possibly why it was created in the first place, but I don't think you can assume that the same applies today. I know a large number of people who choose prepay over post-paid as they only want to pay for the minutes/texts they use and not have to pay for a month where they don't use anything.



263 posts

Ultimate Geek


  # 1007963 18-Mar-2014 11:01
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garbonzai:
MikeHales: We do. Post bills are $1.50, email no charge




Since when?, I've never been charged for postage.



Can anyone answer this, is there an actual $1.50 charge on postage now??




Desktop AMD Ryzen 1600/RX-580/24GB Ram/29" UHD monitor, 1 laptop, Galaxy S7, Huawei something, raspberry PI, Sony Android TV plus other gadgets..... and puss (cat)

 

 

 

 

 

 


76 posts

Master Geek


  # 1008015 18-Mar-2014 12:11
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garbonzai:
garbonzai:
MikeHales: We do. Post bills are $1.50, email no charge




Since when?, I've never been charged for postage.



Can anyone answer this, is there an actual $1.50 charge on postage now??



I'm pretty sure when I originally signed up (two years ago) I had the choice of paper bill or not, and there was a fee for paper bill.

Maybe people that signed up before this had been put in place continue to get paper bills for free?

http://help.vodafone.co.nz/app/answers/detail/a_id/5734/~/why-does-vodafone-charge-$1.50-for-a-home-phone-and-internet-paper-bill-to-be

I personally prefer having everything online, the only use I have for paper bills is when I need a proof of address for something!

As for this topic, I'm not very impressed with the credit card surcharge, but does anyone know if telecom and 2 degrees are doing the same thing? If not, then I would think it's just  a question of time...



263 posts

Ultimate Geek


  # 1008019 18-Mar-2014 12:25
Send private message

mad01:
garbonzai:
garbonzai:
MikeHales: We do. Post bills are $1.50, email no charge




Since when?, I've never been charged for postage.



Can anyone answer this, is there an actual $1.50 charge on postage now??



I'm pretty sure when I originally signed up (two years ago) I had the choice of paper bill or not, and there was a fee for paper bill.

Maybe people that signed up before this had been put in place continue to get paper bills for free?

http://help.vodafone.co.nz/app/answers/detail/a_id/5734/~/why-does-vodafone-charge-$1.50-for-a-home-phone-and-internet-paper-bill-to-be

I personally prefer having everything online, the only use I have for paper bills is when I need a proof of address for something!

As for this topic, I'm not very impressed with the credit card surcharge, but does anyone know if telecom and 2 degrees are doing the same thing? If not, then I would think it's just  a question of time...


Possibly it's because I'm originally a TelstraClear cable customer that I've never been charged postage or even told of any charge, maybe the $1.50 postage fee will pop up on my next bill or soon?




Desktop AMD Ryzen 1600/RX-580/24GB Ram/29" UHD monitor, 1 laptop, Galaxy S7, Huawei something, raspberry PI, Sony Android TV plus other gadgets..... and puss (cat)

 

 

 

 

 

 


194 posts

Master Geek


  # 1009034 19-Mar-2014 15:09
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When setting up a payee with your bank, what do you put as your phone number in reference details if you don't have one? You can't leave it blank.

831 posts

Ultimate Geek


  # 1009066 19-Mar-2014 15:40
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Jizah: When setting up a payee with your bank, what do you put as your phone number in reference details if you don't have one? You can't leave it blank.


You don't have a phone number and your trying to pay your phone bill? I have definitely misinterpreted something here!

19282 posts

Uber Geek
Inactive user


  # 1009067 19-Mar-2014 15:41
Send private message

sdav:
Jizah: When setting up a payee with your bank, what do you put as your phone number in reference details if you don't have one? You can't leave it blank.


You don't have a phone number and your trying to pay your phone bill? I have definitely misinterpreted something here!


Naked Broadband

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