On Thu, 7 Jan 2016 09:29:45 -0500, Dave Smith
> wrote:

>On 2016-01-07 7:35 AM, wrote:
>
>>> You enjoy paying the bank for every transaction? Pay with cash if
>>> you're all about paying on the spot.
>>
>> I don't pay anything for using my debit card - I suppose I would if
>> the money was not in my account but that has never happened. I can't
>> imagine going to an ATM, getting cash and paying on the spot that way.
>> With a debit card it's as if my whole chequing account is right with
>> me.
>>
>
>No. You don't pay anything .. directly. The merchant pays a transaction
>fee. Knowing that a lot of people are going to pay by debit card or
>credit card, the tack a little extra on their prices to cover it. Then
>we all end up paying extra for goods. That is why some places are
>willing to give a discount for cash. When someone pays cash without a
>discount the merchant makes a little extra profit... the money that
>would have gone to pay the card fees.
>
I'm going to be paying it anyway, so cash won't help. When I go to
small businesses I use my debit card because that hurts them less.