You Want 20% for Handing Me a Muffin? The Awkward Etiquette of iPad Tipping

Re:You Want 20% for Handing Me a Muffin? The Awkward Etiquet... by gamblor956 on Wednesday October 17, 2018 @03:11PM (#18242640)

ACH and CC networks shoulder the burden of maintaining the system, fraud checks, chargebacks, etc. They provide a convenience function that lets me avoid having to carry cash around everyone, and lets the vendor minimize their cash-related costs. It's all worth the 2-5% they charge (and if you're paying more than that you've got bad negotiating skills). Cash isn't cheap--after security-related expenses, it costs just as much if not more than accepting credit cards, but the expenses aren't as easily traced back to individual transactions.

A guy bringing me a plate someone else cooked has not earned 20% of the bill.

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Re:You Want 20% for Handing Me a Muffin? The Awkward Etiquet... by i88y6 on Wednesday October 17, 2018 @03:25PM (#18242799)

The merchant doesn't need "the system or fraud checks" to sell lattes. Furthermore they get hit with chargebacks, which are a feature offered by the CC, not the coffee shop. You're justying why business A shoulders business B's expense. That's like saying Visa should wipe down the espresso machine.

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