Currently, the use of cards It is a constant that has been growing significantly. This is due to different factors. Compared to physical money, virtual money that is kept inside a card, whether credit or debit, makes people feel greater security. For this reason, many choose to make payments in shopping centers, restaurants or stores in general with bank cards.
Given this, different people, when using their credit cards, have noticed that in many places they have been charged an extra 5% of the amount they have consumed. This action has seemed like a surprise to many. In this note, you will know if it is valid and legal for said additional charge to be made. Take note!
Is it legal to charge you an extra amount paying by credit card? This is what Indecopi says
As established by the National Institute for the Defense of Competition and the Protection of Intellectual Property (Indecopi), the Consumer Protection and Defense Code states that commercial establishments that charge an additional charge for the use of credit cards are obliged to inform customers of this situation as soon as they enter the premises.
It is essential that consumers receive the necessary information in advance, so that they can make a conscious decision about whether they want to make their purchase at that establishment or if they prefer to look for one where an additional surcharge for the use of credit cards does not apply. . This initiative’s main objective is to ensure transparency in commercial transactions and safeguard the rights of consumers, giving them the possibility of making purchases in an informed and conscious manner.
“In the event that the supplier differentiates the price of the product or service based on the payment method, such as Credit cards or others, said information must be made known to the consumer, prominently, in a visible and accessible manner in the premises or commercial establishment through posters, notices or other similar. In the event of non-compliance by the supplier, consumers cannot be forced to pay additional sums, and the price set for the product or service must be respected,” establishes the Article 7 of the Consumer Protection and Defense Code.
Indecopi: how much would the fine be if the company does not notify the extra charge with the card payment?
According to current regulations, the National Institute for the Defense of Competition and the Protection of Intellectual Property (Indecopi) has the power to impose fines on commercial establishments that do not provide clear and timely information on additional charges for the use of credit cards. The sanctions imposed by Indecopi can range from a simple reprimand to reaching the figure of S/2 million 70,000 (equivalent to 450 Tax Tax Units, UIT). It is essential that businesses comply with these regulations to avoid possible sanctions and guarantee adequate transparency in commercial transactions.
Source: Larepublica
Alia is a professional author and journalist, working at 247 news agency. She writes on various topics from economy news to general interest pieces, providing readers with relevant and informative content. With years of experience, she brings a unique perspective and in-depth analysis to her work.
