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The minimums are annoying but understandable. You pay a flat transaction fee (15-30 cents) plus a percentage of the sale (roughly 1-4% depending on the card type). If you’re doing a lot of small transactions, that 15-30 cents is a huge hit to your margins.

Buying a single pack of gum on a rewards credit card might lose the merchant money. They’ll make up for it in aggregate, but that transaction has a negative return. I understand the desire to limit how frequently they sell at a loss.

Credit card agreements used to require parity with cash and no minimums (as Visa and MasterCard had to create new buying habits). But recent laws have placed restrictions on those restrictions.

I get that but sometimes u transact outside and then you decide to go inside and spend a few bucks but then they hit you with a minimum. It's annoying. That 30 cents isn't going to lose money unless you bought something for like 60 cents. Margins are big inside, even if you only spend a few bucks it covers the fee versus no sale. They're just trying to boost basket sizes for more profit.

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