afl grand final tickets a cashless society

[bayman]

i actually got through & proceeded telling her the barcode numbers etc & then she said "your credit card details please" for which i replied "i haven't got a credit card i'll pay cash when i pick up the tickets on friday arvo thanks" she said "i'm sorry but if you don't have a credit card you can't get the tickets" i said i don't f....n believe this & i got back "its not my fault you haven't got a credit card" & then hung up on me

so they won't take cash UNBELIEVABLE

[Wedgie]

They can't put tickets aside with no payment though mate?
Imagine if 10 thousand people were like you and wanted to pay for them on Friday and then didn't collect them.
They've moved to phone sales from ticket boxes to avoid people having to physically line up which I think is smart.
There's no excuse to not having a credit card these days as people used to complain they didn't want credit but mine doesn't let me go into credit.
Visa transactions cost me nothing too.

[heater31]

They can't put tickets aside with no payment though mate?
Imagine if 10 thousand people were like you and wanted to pay for them on Friday and then didn't collect them.
They've moved to phone sales from ticket boxes to avoid people having to physically line up which I think is smart.
There's no excuse to not having a credit card these days as people used to complain they didn't want credit but mine doesn't let me go into credit.
Visa transactions cost me nothing too.

same here wedgie I have a visa card linked to my bank account I will never change it nor let a female near it when that day gets here also. In hindsight it is best decision I ever made at 18 as it lets me enjoy the convenience of a credit card with out paying 20% plus interest.

I suggest you visit your bank bayman to sort a similar deal out then never have this problem occur again

[brod]

A debit card is what you're after

[hearts on fire]

A debit card is what you're after

Agreed.

I'm only a struggling uni student, but getting a debit card enables me to pay my internet bills, as well as pay off my engagement ring at the jewellers. The beauty of it is that you can only charge money that you physically have in your account.

[silicone skyline]

A debit card is what you're after

Agreed.

I'm only a struggling uni student, but getting a debit card enables me to pay my internet bills, as well as pay off my engagement ring at the jewellers. The beauty of it is that you can only charge money that you physically have in your account.

But all the while providing access to shop online and practically anywhere in the world.

[smac]

Are you blokes on a commission with a bank or something? Starting to smell like an advert in here.

[heater31]

Are you blokes on a commission with a bank or something? Starting to smell like an advert in here.

No Institution has been mentioned yet...............would you like them mentioned?

[smac]

Banks? Read my lips...

[bayman]

i do not believe in credit cards, if i do not have the money i do not get 'whatever it is' but surely they could hold 2 tickets until friday closing time & then sell them saturday morning if i didn't turn up

why should i get a credit card wedgie ? cash my friend i deal in cash

ps, i will be barracking for your mob wedgie

[heater31]

bayman didn't you read what about 3 of us said???

get a visa card linked to your bank account more commonly known as a debit card where you must credit your account before you can debit money from it. this way the banks can't bend you over with ridiculous interest and you still get the freedoms of using the visa/mastercard/whatever network.

jeez I thought Glenelg fans were more educated than this

[bayman]

bayman didn't you read what about 3 of us said???

get a visa card linked to your bank account more commonly known as a debit card where you must credit your account before you can debit money from it. this way the banks can't bend you over with ridiculous interest and you still get the freedoms of using the visa/mastercard/whatever network.

jeez I thought Glenelg fans were more educated than this

i understand what your saying, but i'm saying that why should i HAVE TO use a card, why cant CASH be fine ?

[heater31]

well some people are untrustworthy in today's society unlike you obviously and the ticket mob don't want to get their fingers burnt buy having 1500 plus people ordering the max amount of tickets and 1499 of them didn't collect them

[bayman]

well some people are untrustworthy in today's society unlike you obviously and the ticket mob don't want to get their fingers burnt buy having 1500 plus people ordering the max amount of tickets and 1499 of them didn't collect them

ok, i can understand that but when ordering you give a barcode number which i presume has your details on it, so if you order/buy a ticket & you do not pick it up, you should be made to pay for it anyway (put it in fine print) that the obligation of ordering is a contract to pay etc etc

anyway not getting the tickets saves me on airfares etc

[Psyber]

well some people are untrustworthy in today's society unlike you obviously and the ticket mob don't want to get their fingers burnt buy having 1500 plus people ordering the max amount of tickets and 1499 of them didn't collect them

ok, i can understand that but when ordering you give a barcode number which i presume has your details on it, so if you order/buy a ticket & you do not pick it up, you should be made to pay for it anyway (put it in fine print) that the obligation of ordering is a contract to pay etc etc

anyway not getting the tickets saves me on airfares etc

Yes, but should is the problem. The enforcing of that sort of contract becomes very time consuming and very costly, whereas if it is paid by card they have the dough and there are no complications or hassles. I use credit cards for everything I buy myself unless it is really trivial. It gives me a running record. The trick is never to charge more than you know you can pay. I have actually never used a debit card or EFTPOS.

However, in my business[es] something like 2/3 of payments to us are made via cards of one type or another. We discount for immediate payment. We encourage card use and don't pass on the bank fees as we only pay the banks 0.81% on transactions, and the cards are electronically approved and therefore can't bounce like cheques.

I'm always amazed how many substantial businesses are paying the banks 2% or more on transactions - you only have to drop that you are talking to another bank and they start making concessions. One bank has just offered us 0.77% if we move more of our business to them. We actually deal with four banks and they know it and that we can easily shift from one to another if that don't keep the deal good.

[abber]

Psyber

"the cards are electronically approved and therefore can't bounce like cheques"

I'm sorry to tell you that this isn't correct. You need to check with your Merchant Facility supplier but the 2 card Schemes (Mastercard, Visa) allow for card holders (your customers) to dispute and chargeback to you any transaction up to 6 months after it has been processed.

When you swipe the card through your EFTPOS machine or receive phone authorisation, you are only receiving verification that the card is valid and there are sufficient funds in the customers account to cover the transaction. It does not cover you if the card has been stolen or the card details are being used fraudulently. If the cardholder checks their statement and sees a transaction that they claim they did not process they can chargeback the transaction and you as the merchant wear the debt.

If you are dealing face to face with customers you can be reasonably confident the transaction will be ok. If you have any doubt eg the signature doesn't look ok, or a male is using a card in a female's name, ask for id.

If you have customers dealing with you by mail or telephone you are really at risk. You need to be absolutley sure the person you are dealing with is the owner of the card. You need to take the same precautions as you would with someone that is trying to pay by cheque.

As I said, get in contact with your facility provider. They should be able to send you details on fraud prevention and what your liabilities are. It's a growing problem.

[stan]

i actually got through & proceeded telling her the barcode numbers etc & then she said "your credit card details please" for which i replied "i haven't got a credit card i'll pay cash when i pick up the tickets on friday arvo thanks" she said "i'm sorry but if you don't have a credit card you can't get the tickets" i said i don't f....n believe this & i got back "its not my fault you haven't got a credit card" & then hung up on me

so they won't take cash UNBELIEVABLE

Hey you got through, thats one step closer to what I got.

[bayman]

i actually got through & proceeded telling her the barcode numbers etc & then she said "your credit card details please" for which i replied "i haven't got a credit card i'll pay cash when i pick up the tickets on friday arvo thanks" she said "i'm sorry but if you don't have a credit card you can't get the tickets" i said i don't f....n believe this & i got back "its not my fault you haven't got a credit card" & then hung up on me

so they won't take cash UNBELIEVABLE

Hey you got through, thats one step closer to what I got.

same result though = no tickets

[Psyber]

Psyber

"the cards are electronically approved and therefore can't bounce like cheques"

I'm sorry to tell you that this isn't correct. You need to check with your Merchant Facility supplier but the 2 card Schemes (Mastercard, Visa) allow for card holders (your customers) to dispute and chargeback to you any transaction up to 6 months after it has been processed.

When you swipe the card through your EFTPOS machine or receive phone authorisation, you are only receiving verification that the card is valid and there are sufficient funds in the customers account to cover the transaction. It does not cover you if the card has been stolen or the card details are being used fraudulently. If the cardholder checks their statement and sees a transaction that they claim they did not process they can chargeback the transaction and you as the merchant wear the debt.

If you are dealing face to face with customers you can be reasonably confident the transaction will be ok. If you have any doubt eg the signature doesn't look ok, or a male is using a card in a female's name, ask for id.

If you have customers dealing with you by mail or telephone you are really at risk. You need to be absolutley sure the person you are dealing with is the owner of the card. You need to take the same precautions as you would with someone that is trying to pay by cheque.

As I said, get in contact with your facility provider. They should be able to send you details on fraud prevention and what your liabilities are. It's a growing problem.

Yes, sorry I was careless and didn't specify that nearly everything is face to face and the slips are signed as required for credit, as distinct from EFTPOS, payments. We accept MOTO only with a few well known and reliable regulars. We have never had one go wrong in 5 years, but we keep an eye on it. We do accept cheques from some major institutions we give 30 days credit at a higher fee - no discount if not paid on the day.

[abber]

Good stuff Psyber. Sounds like you're on the ball.

Not like some of the dills I have to deal with.

e.g. Have had a small suburban computer store, suddenly get an order from Nigeria for 20 computers and a couple of plasmas and don't think there's anything suspicious about the deal or the fact that "the customer" gets them try 5 or 6 different card nos. before 1 works. Then they scream when the tranasaction gets charged back after they've shipped the goods off and can't get them back.