La Provincia - Diario de Las Palmas
¿Te han cobrado más por pagar con tarjeta? Esta es la ilegalidad que cometen mu…
Helio Roque ha explicado en qué casos un comercio puede rechazar pagos con tarjeta y qué derechos tienen los consumidores en España
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Spanish Consumers Empowered: New Insights into Cash and Card Payment Rights Go Viral
Madrid, Spain A recent viral video by content creator Helio Roque has shed light on critical consumer rights in Spain concerning payment methods, sparking widespread discussion among the public. The video, which has garnered significant attention, clarifies the legal boundaries for businesses accepting cash and card payments. According to Roque, businesses in Spain are generally obligated to accept cash payments. However, there are two specific exceptions: transactions involving more than 50 coins, or payments exceeding 1,000 euros. Beyond these limits, businesses retain the right to refuse cash. A key point of contention for many consumers has been the practice of businesses imposing minimum charges for card payments or adding extra fees. Roque explicitly states that such practices are largely illegal. "If a business displays the Visa or Mastercard logo, their contract with these companies prohibits them from setting a minimum payment threshold," Roque explained. He further clarified that it is also illegal for businesses to charge customers extra for using a card instead of cash, as per Real Decreto-ley 8/2014. While businesses are not legally required to possess a card payment terminal, the video notes that if a transaction exceeds 30 euros and cash payment is not feasible or accepted, the business must provide an alternative payment method to the consumer. The video has resonated deeply with the public, as evidenced by numerous comments detailing personal experiences. One user recounted being refused for paying a 2-euro item with 150 one and two-cent coins, now understanding the business's right to refuse. Another highlighted issues with intercity buses rejecting bills over 5 euros, and some mentioned establishments, like university canteens or ITV centers, only accepting card payments, raising questions about their legality. The discussion also touched upon the 1,000-euro cash limit, with one user lamenting not being able to buy an iPhone due to this regulation. Roque concluded his video by advising viewers to be aware of their rights but to always interact with businesses respectfully. The video serves as a timely reminder for both consumers and businesses to understand the legal framework governing transactions in Spain.
