The dealerships I worked at had card readers. I think if you read your contract with the company that provides the reader adding a "transaction" fee could void your contract with them. Also charging a transaction fee for small purchases will drive many customers away. As a small hardware store your all ready fighting to just get people in the door. Your idea of a transaction fee could very well end your business. There are many people today that pay only with credit or debit cards. My youngest two sons almost never carry any cash. They use debit cards for everything. One of the local eating places stopped taking credit/debit cards. My sons used to eat lunch there 3-4 times each week. Now they eat at another place just because they do not carry much cash.
For us older folks it seems silly to not carry cash but to this younger generations it is very common. Also the sign with the fee will PO some people just by being there.
I will second just raising everything 3-4% and giving a cash discount. It would be easier to do and looks much better for everyone involved. You do not have to advertise that your raising prices just prior to that. As a matter of fact I would keep my mouth very quiet about it. Just let everyone of your cash customers "enjoy" a discount. It is a much better sale tool than "charging" certain people.
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Today's Featured Article - An Old-Time Tractor Demonstration - by Kim Pratt. Sam was born in rural Kansas in 1926. His dad was a hard-working farmer and the children worked hard everyday to help ends meet. In the rural area he grew up in, the highlight of the week was Saturday when many people took a break from their work to go to town. It was on one such Saturday in the early 1940's when Sam was 16 years old that he ended up in Dennison, Kansas to watch a demonstration of a new tractor being put on by a local dealer. It was an Allis-Chalmers tractor dealership,
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