We are being forced to overpay for bank card

It found one of our readers, some stores are forcing their customers to overpay when you make your purchases on the map. To understand the situation helped by experts, recently got an amazing situation. I wanted to buy a lamp in a large furniture store "Interior Plaza" in Dzerzhinsk, went to pay for the purchase of treasury, but the sellers said that, they say, their cash we have. But is the bank till the Empire, with whom we cooperate, - pay there. I was surprised, but agreed. However, when you try to pay with plastic card was amazed even more: in excess of the purchase price with me were going to take 0.5 per cent commission "for cashing in funds" through the terminal of the bank. Plus demanded passport: at driver's license cards they do not accept. From shopping, naturally, I refused (although for her a certain number of kilometers traveled), but left many questions. In this scheme, in general, anything legal? Alexei MoskvaSituatsiya really amazing. Analyst UK "Finam Management" Maxim Klyagin sure that it never can be. According to the expert, in any economic entity engaged in retail trade, should have its own cash register. If it can be terminal for receiving the credit card, but any fees when paying for purchases through this terminal can not be. In fact, this store takes this same commission, and after the event pays for a bank or money transfer operators .- The purchase price does not depend on the method of payment, - says Mr. K.. - There are, however, stores that do not accept cards, but then in their room, usually installed terminals from several banks, the buyer can withdraw cash and rasplatitsya.A now chairman of the International Confederation of Consumer Societies Dmitry Yanin argues that such a scheme Payment is perfectly legitimate, and operates in several furniture stores and showrooms .- There are no legal requirements that the company should have its own cash registers, no. Shop may use the services of the bank. Another question - the question of the commission. Fees must be included in the price of the goods, otherwise the consumer may bring a claim to the seller for the debiting of his cards - in fact it does not cancel this predupredili.Esche one nuance - the passport requirement. As explained by Janine, the document need not so much to confirm the identity of the card holder, how to meet the so-called "antiotmyvochnomu" law. Any transfer of funds (and paying for a purchase, you are just him and commit) the bank is obliged to put them in their passport data base client .- For the consumer it is extremely uncomfortable and unpleasant. I would not advise buyers to use such services, because after that their passport data accumulate clear who - Yanin.Kstati warned, if you are paying for purchases with card in hand after all of the store, demand that your passport does not legally owe. Introduction PIN sufficient authorization cards, but please show the document - insurance in case of possible fraud or performance requirements of the bank, which operates the seller. At the same time for an identity card should be taken of any document with your name, because you must show a passport only at the request of certain legal persons, and cashiers are not included.