DMV

"Rusty Vandura - www.tinyurl.com/keepoppo" (rustyvandura) 10/05/2019 at 22:55 • Filed to: None

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Employing people to open letters and remove staples and process payments manually is less expensive and more efficient, apparently. So I’ll mail them a cheque and keep those folks gainfully employed.

CB > Rusty Vandura - www.tinyurl.com/keepoppo 10/05/2019 at 23:00

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Why is it a 2.1% applied no matter what? If I were to pay my car insurance for a year, that would be $1370, and this fee would add $28.77 for using my credit card. That's absurd.

SiennaMan > CB 10/05/2019 at 23:03

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Because they are using a service which charges that fee, not the dmv directly.

Changing their internal fee structure probably requires a lot more than signing a contract with a 3rd party credit card processor..

facw > Rusty Vandura - www.tinyurl.com/keepoppo 10/05/2019 at 23:04

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Yeah this stuff is pretty absurd and annoying. Like yes the credit card processor charges you, but as you say that still should be cheaper than having someone manually process these things. And just another example customer unfriendliness that a for profit business couldn’t get away with (and that government agencies shouldn’t find acceptable).

ranwhenparked > Rusty Vandura - www.tinyurl.com/keepoppo 10/05/2019 at 23:06

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Its the result of some bureaucrat looking at the merchant services processing fees and concluding they needed to recover some of the cost, without comparing it to anything else. 

ranwhenparked > SiennaMan 10/05/2019 at 23:19

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And, to be fair, 2.1% is fairly competitive, but, still, most places accept it as a cost of doing business.

gmporschenut also a fan of hondas > facw 10/05/2019 at 23:19

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the credit card processor charges the retailer. Thus they have to raise their prices for everything.

Gov fees though are typicaly set in law, so they would have to eat the costs. 

gmporschenut also a fan of hondas > Rusty Vandura - www.tinyurl.com/keepoppo 10/05/2019 at 23:20

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That cashback doesn’t fall from the sky

facw > gmporschenut also a fan of hondas 10/05/2019 at 23:25

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Eating the costs is fine. It seems likely the processor costs are lower than what they spend processing checks anyway, but even if they aren’t accepting payment by credit card is what people expect, and from a customer service standpoint they’d be better off providing it, even if it means raising prices. 

Rusty Vandura - www.tinyurl.com/keepoppo > gmporschenut also a fan of hondas 10/05/2019 at 23:26

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Well, there’s that...

Rusty Vandura - www.tinyurl.com/keepoppo > facw 10/05/2019 at 23:28

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The Post Office was facing losses some years back and spoke of closing on Saturdays, or whatever and a pundit on the radio said the to improve their business, a private concern would increase service and lower  prices. Good juxtaposition.

DipodomysDeserti > Rusty Vandura - www.tinyurl.com/keepoppo 10/05/2019 at 23:28

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I have to pay an extra fee in order to pay university fees. Someone’s relative is making a fortune off fees for processing public payments.

DipodomysDeserti > SiennaMan 10/05/2019 at 23:29

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And yet any small business can run cards with a much smaller fee..

GLiddy > Rusty Vandura - www.tinyurl.com/keepoppo 10/05/2019 at 23:30

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When you consider that the old fashioned method of clearing a check through the federal reserve bank cost on the order of pennies per check, it is ridiculous that banks are taking their vig on the order of 2-3% on the amount of the transaction. Imagine the drain on the economy when the banking industry takes a bit of every dollar that is exchanged on a card, when the actual cost to them of the transaction is likely a fraction of a penny. This is why they fear app-based payment systems that do not skim a healthy percentage of every transaction.

Rusty Vandura - www.tinyurl.com/keepoppo > ranwhenparked 10/05/2019 at 23:33

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And for a long time, they were not charging a fee, and I thought the DMV was likely pleased with the efficiency, and I guessed that folks might also be getting their transactions accomplished more timely. I guess I was wrong.

SiennaMan > ranwhenparked 10/05/2019 at 23:35

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 Very true,  yet many many local governments use these services..  

Rusty Vandura - www.tinyurl.com/keepoppo > GLiddy 10/05/2019 at 23:35

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And they kick part of it back to the customer to keep them liking it all. But they pay for it anyhow...

Rusty Vandura - www.tinyurl.com/keepoppo > DipodomysDeserti 10/05/2019 at 23:36

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Or do a direct bank wire to save the fees? That’s what we do.

SiennaMan > DipodomysDeserti 10/05/2019 at 23:37

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 Because the small business is handling the cards and some level of the risk around PCI compliance.   With these services,  the local government doesn't have to worry about such things..

DipodomysDeserti > SiennaMan 10/05/2019 at 23:49

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And yet they still charge a fee.

shop-teacher > Rusty Vandura - www.tinyurl.com/keepoppo 10/05/2019 at 23:56

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Taking a page from Illinois' book I see.

DipodomysDeserti > Rusty Vandura - www.tinyurl.com/keepoppo 10/06/2019 at 00:00

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Not an option for me. I ’d have to show up in person and pay cash/check. I had $8k in my bursars account which was transferred to my bank account just before they charged me a $25 fee for my student ID, thus forcing me to pay the extra 2%.

They also charged me $3k instead of $300 for my online fee, which they reversed after I called them out. I’m paying for this myself, so I notice when they over0 charge me. I can only imagine how they screw over the out of state students.

Seems like chump change, but when you factor in 90k+ students, it adds up.

Rusty Vandura - www.tinyurl.com/keepoppo > DipodomysDeserti 10/06/2019 at 00:19

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Screwing out-of-state students seems to be the newest thing with  state universities.

DipodomysDeserti > Rusty Vandura - www.tinyurl.com/keepoppo 10/06/2019 at 00:49

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The solution to that would be to force your local representatives to make education affordable in your state. Instead they’re just spreading the cost to everyone else.

Our state constitution mandates that education be free, or as close to free as possible. I was able to attain my BS via a full academic scholarship. Now I’m paying for my MS and the costs are crazy.

jimz > DipodomysDeserti 10/06/2019 at 06:49

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The solution to that would be to force your local repre sentatives to make education affordable in your state.

get out of here with that socialism, you evil leftist.

DipodomysDeserti > jimz 10/06/2019 at 10:56

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You know you’re in the Twighlight Zone when Arizona politicians look like socialists.