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Old 12-27-2013, 09:48 PM   #1
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Credit card fees?

I just had a thought while waiting at the DMV this morning. I saw on their electronic display that they charge a 2.25% fee for credit and debit card transactions, on top of a $2 fee applied to every transaction regardless of payment methods. Granted it's kind of an insignificant amount (roughly $12 for registration), but I remembered something.

In this state it is illegal for retailers and merchants to charge a fee for credit and debit transactions. But are municipal institutions like the DMV exempt from such laws, even though they are providing services? I couldn't find anything more on the subject online anywhere.
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Old 12-27-2013, 09:54 PM   #2
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You'll have to contact your state rep to contact the state ag. We just went through this in ms with the dps adding a $6 fee to the firearms license fee. They were not authorized to charge more than the state constitution allowed. After getting the gov involved they began issuing refunds.
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Old 12-27-2013, 10:00 PM   #3
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They might be exempt as a service provider or some such language. I'd look into it if you care that much. You can always write a check if you don't like it although who the hell writes a check these days? When someone pays with a check in front of me and takes an extra 1-2 minutes off of my life waiting in line at the store I really hope that they somehow spontaneously light on fire.
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Old 12-27-2013, 10:07 PM   #4
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Haha I'm an assistant manager at a (respectable) convenience store. I despise people who write checks. We even changed our system so they don't even have to write anything on the check, and people still take forever. I have never written a check in my life. I could pay in cash but I don't feel comfortable carrying that much on me. I also don't know how much this is going to cost me since it's the first time registering a new vehicle.

I'm willing to bet they're exempt, but it would be nice to catch the city red-handed.
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Old 12-27-2013, 10:48 PM   #5
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I'd take a check if they are going to shaft you with the fees. 2.25% on top of whatever other BS fee plus whatever the sales tax is... It might as well be criminal but it isn't because its the gov't. Oh well, I shouldn't complain, I've been to some LEGIT third world countries and its not pretty...
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Old 12-28-2013, 12:01 AM   #6
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Quote:
Originally Posted by KSconvert View Post
I just had a thought while waiting at the DMV this morning. I saw on their electronic display that they charge a 2.25% fee for credit and debit card transactions, on top of a $2 fee applied to every transaction regardless of payment methods. Granted it's kind of an insignificant amount (roughly $12 for registration), but I remembered something.

In this state it is illegal for retailers and merchants to charge a fee for credit and debit transactions. But are municipal institutions like the DMV exempt from such laws, even though they are providing services? I couldn't find anything more on the subject online anywhere.
Credit card companies have been charging small charges for more years than I can count. The $2 fee is collected by the DMV, they charge a lot more for getting a license in Indiana.

The charges for credit cards and debit cards are the same that the credit card companies charge the DMV.
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Old 12-28-2013, 01:15 AM   #7
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Originally Posted by NewMtang View Post
Credit card companies have been charging small charges for more years than I can count. The $2 fee is collected by the DMV, they charge a lot more for getting a license in Indiana.

The charges for credit cards and debit cards are the same that the credit card companies charge the DMV.
Credit card companies charge the business, not the customer. Some states allow the business to recover all or some of the charges by charging the "convenience fee". However, in Kansas and several other states, it is illegal for businesses to do so. States where it is legal, the business has to meet very specific guidelines for each credit card company in order to charge the customer.
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