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this post was submitted on 16 Jul 2025
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Fuck Cars
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No, the service fee is either charged by the payment provider (or at least to offset the fee the payment provider charges). Has nothing to do with delivery (you also have to pay it when you pre-pay for takeout online)
Visa and Mastercard processing fee is slightly less than 2% of a total operation. Who takes the rest?
I don't know what payment service was used here. It is only around 2-3% on my invoices.
edit: Seems in the US a bunch of other stuff (like cost of running a website, insurance) can be included in the service fee.
2-3% is insane. It boggles my mind how it became accepted to pay almost everything with a credit card in america.
I'm not American but I got one with my bank account a few years back and I do use it a lot. It makes online payments super convenient. And with offline shopping it's the vendors that eat the fee, so also no downside for the consumer (though I tend to use the debit card for that).
Which is the whole point. They chauferring you a burrito, and make you pay for their insurance.
Sure I guess.
But my point was that the delivery is not the service here. In fact the service fee is basically every BUT the delivery.
In the US it's generally 2.5% - 3.5% (plus a bunch of BS fees and charges added on top).