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Sandman77

How high is the visa subcharge for hotels and restaurants in Thailand really ?

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Helllo!

Some hotel and restaurant charge 3 procent using kk!

Some does not!

Airplane directly paid at thai air counter no sub charge travel agency does !

What Kk company's really charge ?

Visa in my homecountry

If there is a sub charge in any country I use my visa it will refund when I complain , but only if subcharge showed in a seperate bill,but travel agency's here not want give a separate bill here coz the know there is a possibility got subcharge back on foreign kk

True for example did not allowed payment of foreign kk for some reason !

 

 

Sent from my iPhone using Thaivisa Connect

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It is pointless to fight this in a third world country. That being said, I have never been charged extra for using a credit card. Smart business will build that cost into the price anyway. A lot of Thais (at least in Bangkok) use credit cards, so I doubt and major business would stoop this low.

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get over it, it costs what is costs, to make a fuss is a waste of time. you already have been here some time so ought to know better.

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^^^^Ditto.   Also for those merchants who will only accomplish a purchase for a foreign card if using a DCC transaction.

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21 hours ago, theguyfromanotherforum said:

It is pointless to fight this in a third world country.

So you're saying that (parts of) the US is a third world country? Re: the pricing of pastrami sandwiches in New York etc.

 

Quote

Under the law, merchants can list the price as $10 for cash customers and $10.20 by credit card, or they can list it as $10.20 with a 20-cent "discount" for cash customers. But they cannot list it as $10 with a 20-cent or 2% "surcharge" for credit-card purchases.

 

http://www.usatoday.com/story/news/politics/2017/01/10/supreme-court-new-york-credit-card-surcharge-price-speech/96391718/

 

 

Quote

 

But in a contentious legal ruling that is still being disputed, a U.S. District Court determined last year that merchants are allowed to pass along the cost of those credit-card interchange fees to customers. Consumer advocates say permitting surcharges is a slippery slope. “If a national sales tax of 2, 3, or 4 percent were being proposed, everyone would be up in arms,” ConsumerWorld.org founder Edgar Dworksy points out on his site.

But take a deep breath. You can avoid the fee by using a debit card, for one thing. And there are laws prohibiting these surcharges in 10 states: California, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma and Texas.

 

 

http://business.time.com/2013/01/25/a-4-surcharge-for-using-a-credit-card-legal-but-not-likely/

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22 hours ago, theguyfromanotherforum said:

Smart business will build that cost into the price anyway.

Yes, it is <deleted> annoying to pay extra when using cash.

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we charge our customers 3%. it is a good system and it encourages customers to pay cash. credit card company takes it all unless you are doing a lot of sales. 

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Just back from Kata beach last week.  A few Restaurant want to charge an extra 3% to use the credit card to pay  in Thai Bahts . But if you use the credit card dynamic conversion to paid in you home currency they do not.

 

BUT you can read on the slip that the Bank in Thailand will charge 3,5 % fee to convert the currency.

 

I guess the restaurant owners push you to the dynamic currency converter and the bank do not charge then the extra fee this way.

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the subcharge is around 3% for using visa, and not it will never appear on a bill so no need to demand service providers to put it on the bill

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The VISA-charge we pay is 2% of the amount plus 7% VAT. So, if the bill is THB 100 then we pay THB 2 + 7% = THB 2.14.  
We absorb this unilateral yet if there is some stock clearance or so we clearly mark the article as "cash only". Never had a problem with nobody as the customers know in advance what they are in for. 

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On 19/03/2017 at 6:31 PM, Sandman77 said:

 

Helllo!

Some hotel and restaurant charge 3 procent using kk!

Some does not!

Airplane directly paid at thai air counter no sub charge travel agency does !

What Kk company's really charge ?

Visa in my homecountry

If there is a sub charge in any country I use my visa it will refund when I complain , but only if subcharge showed in a seperate bill,but travel agency's here not want give a separate bill here coz the know there is a possibility got subcharge back on foreign kk

True for example did not allowed payment of foreign kk for some reason !

 

 

Sent from my iPhone using Thaivisa Connect

 

"subcharge".  I've never heard of this term.   "Surcharge" is vastly different, where a percentage is added to the bill.

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Posted (edited)
3 hours ago, cnx355 said:

Just back from Kata beach last week.  A few Restaurant want to charge an extra 3% to use the credit card to pay  in Thai Bahts . But if you use the credit card dynamic conversion to paid in you home currency they do not.

 

BUT you can read on the slip that the Bank in Thailand will charge 3,5 % fee to convert the currency.

 

I guess the restaurant owners push you to the dynamic currency converter and the bank do not charge then the extra fee this way.

The Bank of Thailand is not involved in surcharges.   It  a local bank which is process the transcation for the merchant and that local bank's rate will vary from other local banks by a small amount....but they all seem to be in the 2.75% to 4% ballpark.

 

The 3.5% fee to convert you mention above is the "merchant" deciding to use Dynamic Currency Conversion (DCC) to process the purchase/payment with your foreign card as you sai.  Or basically give you a 3.5% lower exchange rate than the Visa/Mastercard exchange rate.  DCC is pure additional profit for the merchant & his local bank....and purely up to the merchant as to whether the use DCC or not....the more greedy ones will use DCC.     The 3.5% lower rate is actually the DCC rate of the local bank the merchant is using to process card transaction....such as Bangkok Bank, Kaiskorn Bank, SCB, just whatever local bank the merchant is using.   Merchants don't interface directly into the Visa/Mastercard/etc., network...they get this support from whatever local bank they sign up with to process card transactions/provide the Point of Service (POS) card machines.

 

Additionally, any surcharge is a separate fee from a DCC rate.   Now merchants who apply a surcharge an do DCC are greedy to the 10th power.   I wouldn't do business with a such a merchant....in fact, I don't do business with any merchant that adds a surcharge for card usage or will only do DCC with a foreign card.  Greedy bastards.

Edited by Pib
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BANGKOK 20 November 2017 22:35
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