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this post was submitted on 31 Mar 2026
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Everything costs money when you run a business. You need to consider all of those things when setting a price. Cash has more overhead, so a surcharge for another payment method makes no sense.
True, everything costs money when you run a business.
But for small businesses (usually the kind that charge a surcharge), I question the statement that cash has a higher overhead than EFT/credit cards. Maybe I’m thinking small, and just expect a cafe owner (for example) to just deposit cash at an ATM on their way home - rather than pay for an Armaguard lock-up etc.
extra insurances costs to cover cash being stored, staff theft, robbery with staff being held at knife point, need to arrange change so a bank visit is necessary for that etc etc
I normally estimate the break-even point at half an hour of the manager's wage since that's how long it takes to count down 2 registers and go to the bank.