Cov lag luam me sib tw credit card los so tus nqi

Sol Dias Ice Cream, nyob rau hauv cheeb tsam Dallas metro, kos rau hauv cov neeg siv khoom nrog nws cov khoom plig tau txais txiaj ntsig txiv nkhaus taw thiab tsw nrog Mev twist zoo li "tequila" thiab "queso."

Qhov tshwj xeeb flavors yuav yog dab tsi muab Sol Dias, nrog nws ob qhov chaw, ntawm daim ntawv qhia, tab sis nws yog ib daim ntawv me me nyob rau hauv pem hauv ntej sau npe uas yog hu rau kev mloog.

"Peb muaj lub cim me me zoo nyob rau pem hauv ntej ntawm peb cov ntawv sau npe uas hais tias 'Hav, cov nqi qiv nyiaj, lawv raug nqi ntau rau peb," Victor Garcia, tus tswv ntev ntawm Sol Dias, hais rau CNBC. “Xyoo tas los lawv raug nqi peb $25,000. Xyoo no, lawv yuav raug nqi peb ze li $30,000. Peb tsuas yog qhia rau cov neeg siv khoom xwb. "

Txhua zaus tus neeg siv khoom them rau lawv lub khob lossis lub khob nrog daim debit lossis credit card, cov tuam txhab nyiam visa or MasterCard them tus nqi ua haujlwm, tseem hu ua tus nqi rub tawm, suav nrog ib feem pua ​​​​ntawm txhua qhov kev sib pauv.

Cov nqi tau ntau dua ob npaug hauv kaum xyoo dhau los, ua rau qee tus tswv lag luam nrhiav txoj hauv kev tshiab thiab muaj tswv yim los rov qab lawv cov txiaj ntsig. Lawv kuj tseem ua rau kev sib cav sib ceg hauv Washington, pitting kev them nyiaj loj tawm tsam cov lag luam me.

Cov nqi rub tawm tsis yog tshiab, tab sis qhov teeb meem loj zuj zus tuaj thaum lub sij hawm Main Street cov lag luam thoob plaws lub teb chaws yog nce kev tawm tsam nrog hloov macroeconomic tej yam kev mob. Kev cia siab rau kev lag luam me tau poob qis rau rau lub hlis qis hauv lub Kaum Ob Hlis vim cov tswv txuas ntxiv tawm tsam cov nqi nce ntxiv, raws li kev tshawb fawb los ntawm National Federation of Independent Business. Qhov kev tshawb fawb ntawd pom kev nce nyiaj tau los suav tias yog qhov kev txhawj xeeb tshaj plaws rau cov tswv lag luam.

Tsoom Fwv Teb Chaws Reserve's ob xyoos kev soj ntsuam ntawm cov tsev txhab nyiaj 'debit card muas kwv yees cov neeg ua haujlwm ntawm qhov nruab nrab them qis dua 4 xees ib qho kev sib pauv, tsis hais tus nqi pib tag nrho. Cov nqi khiav lag luam tau poob qis los ntawm kwv yees li 8 xees ib qho kev lag luam hauv kaum xyoo dhau los. Txawm hais tias lub tuam txhab nyiaj hauv nruab nrab tsis ua tib yam kev tshawb fawb rau kev ua lag luam credit card, cov txheej txheem siv rau debit thiab credit card zoo sib xws.

Lub caij no, cov nqi qiv nyiaj tau them rau qhov kev siv nyiaj ntau tshaj plaws thib peb ntawm qhov nruab nrab rau cov khw noj mov, raws li Texas Tsev noj mov Association.

Ntau lub lag luam me xav tias lawv muaj kev xaiv me me tab sis kom dhau ntawm cov nqi rau cov neeg siv khoom ntawm tus nqi siab dua lossis pheej hmoo tsawg dua cov txiaj ntsig. Cov nqi rub tawm tau nce tus nqi rau cov neeg Asmeskas nruab nrab tsawg kawg yog $ 900 hauv 2021, raws li kev kwv yees los ntawm Merchants Payments Coalition, uas sawv cev rau ntau yam lag luam me nrog rau cov khw noj mov thiab cov khw muag khoom yooj yim.

Patti Riordan, tus tswv cuab ntawm Smoke Stack Hobby Shop hauv Lancaster, Ohio, hais tias cov lag luam me "tsis muaj qhov ntim kom muaj peev xwm sib tham txog kev txo nqi," uas txhais tau tias cov neeg ua haujlwm ywj pheej them "tus nqi siab tshaj plaws nyob ntawd."

Riordan hais rau CNBC nws muaj peev xwm txo nws cov nqi qiv nyiaj nruab nrab ntawm 2.9% mus rau 1.7% ib qho kev hloov pauv los ntawm kev hloov mus rau cov chaw them nyiaj tshiab - nrog kev pab los ntawm National Retail Hobby Stores Association, pawg lag luam rau cov tswv xws li nws. Ua ntej hloov, Riordan tau hais tias nws tsis tau paub tias nws muaj kev xaiv.

"Cov ntsiab lus ob peb tau tso cai rau peb muab kev pov hwm kev noj qab haus huv rau peb cov neeg ua haujlwm puv sijhawm. Qhov ntawd yog qhov tseem ceeb npaum li cas, "Riordan tau hais.

Swipe tus nqi hauv Teb Chaws Asmeskas yog qhov siab tshaj plaws hauv ntiaj teb, raws li kev txheeb xyuas los ntawm kev them nyiaj sab laj tuam txhab CMSPI. Cov European Union tau tawm tsam qhov kev nce qib zoo sib xws, kev them nqi Hauv 2015 ntawm 0.2% rau kev yuav daim npav rho nyiaj thiab 0.3% rau kev yuav daim npav rho nyiaj. Hauv Teb Chaws Asmeskas tus nqi nruab nrab rau Visa thiab Mastercard yog 2.22% hauv 2021, raws li kev lag luam tshawb fawb lub tuam txhab Nilson Report.

Cov nqi siab dua hauv Teb Chaws Asmeskas yog ib feem ntawm qhov kev pabcuam zoo dua, raws li Jeff Tassey, tus thawj tswj hwm ntawm Electronic Payments Coalition, ib pawg kev lag luam uas tawm tswv yim rau cov neeg them nyiaj, cov koomhaum qiv nyiaj thiab cov tsev txhab nyiaj hauv zej zog.

"Peb cov tshuab muaj txiaj ntsig ntau dua rau cov neeg siv khoom. Peb muaj cov neeg siv khoom lag luam zoo tshaj plaws thiab kev lag luam kev lag luam hauv ntiaj teb. Koj tau txais yam koj them rau, "Tassey hais.

Tab sis Bob Jones, tus thawj tswj hwm ntawm cov khw muag khoom hauv cheeb tsam American Sale, uas ua haujlwm yim lub pas dej ua ke thiab cov khw muag khoom nyob sab nraum zoov hauv Chicago, tau hais tias cov txheej txheem tsis zoo li cov neeg muag khoom thiab ntau dua li cov koom tes ua lag luam.

“Lawv tus nqi yog raws li feem pua ​​​​ntawm kev muag khoom. Yog li, ua tau zoo, lawv yog 2% cov koom tes hauv kuv txoj kev lag luam, vim tias qhov ntawd yog qhov lawv coj, "Jones hais. "Qhov tseeb, kuv yuav hais ntau dua vim tias lawv coj 2% tawm ntawm sab saum toj."

Swipe tus nqi sawv cev rau plaub kab loj tshaj plaws rau Asmeskas Muag, Jones tau hais tias, yog vim li cas nws raug yuam kom tsim tus nqi rau cov neeg siv khoom tus nqi.

Nws tau hais tias "Tsis muaj ib puag ncig nws thiab hais ncaj ncees, tsis muaj ib puag ncig nws rau peb cov neeg sib tw," nws hais.

Rau ntau lub lag luam me, kauj ruam ib hauv kev tawm tsam cov nqi yog kev kawm rau cov neeg siv khoom. Zoo li Garcia kos npe rau ntawm Sol Dias, uas yog lub hom phiaj kom ceeb toom cov neeg noj mov rau cov nqi nce ntxiv. Ntau tus neeg ua lag luam tseem tab tom nrhiav kom tau txais daim npav rho nyiaj lossis cov nyiaj txo qis los cuam tshuam cov kev mus ncig, raws li Massachusetts Tsev noj mov Association.

Garcia tau hais tias nws xav tau txoj cai xaiv daim npav rho nyiaj ua haujlwm network uas nws cov khw muag khoom noj qab zib siv tab sis hais tias nws xav tias "kab".

Visa thiab Mastercard tswj 80% ntawm kev ua lag luam, raws li Nilson. Doug Kantor, tus tswvcuab ntawm Pawg Neeg Ua Haujlwm Pabcuam Kev Them Nyiaj Pabcuam, hais rau CNBC tias cov neeg them nyiaj loj tshaj tawm cov nqi uas cov tsev txhab nyiaj tau them, tshem tawm kev sib tw hauv qhov chaw.

"Peb xav kom muaj ntau tus neeg ua si," said Garcia, uas nws lub lag luam yog ib tug tswv cuab ntawm Cov Tub Lag Luam Them Nyiaj Pab Koom Tes.

Cov kev them nyiaj loj heev tsis kam tawm tswv yim, ncua cov lus nug mus rau Electronic Payments Coalition.

Kev txo nqi nyiaj ntsuab thiab lwm yam kev txhawb siab tau ua me ntsis rau Sol Dias los hloov tus cwj pwm ntawm cov neeg siv khoom, uas yog vim li cas Garcia tam sim no suav rau cov neeg tsim cai los daws qhov teeb meem.

Txoj Cai Lij Choj Daim Npav Sib Tw tau tshaj tawm nyob rau hauv ob lub rooj sib tham ntawm Congress xyoo tas los tab sis ua tsis tau raws li txoj cai ua ntej lub rooj sib tham zaum kawg. Txoj cai lij choj yuav xav tau daim npav rho nyiaj tawm los ntawm lub teb chaws cov tsev txhab nyiaj loj tshaj plaws kom ua tiav los ntawm tsawg kawg ob lub network sib txawv.

Nrog ntau dua ib txoj hauv kev rau kev ua tiav, cov tes hauj lwm yuav tsum tau sib tw ntawm cov nqi, kev ruaj ntseg thiab kev pabcuam, muaj peev xwm txuag cov tub lag luam thiab lawv cov neeg siv khoom kwv yees li $ 11 nphom hauv ib xyoos - yam tsis cuam tshuam rau credit card nqi zog cov ntsiab lus - raws li kev tshuaj xyuas los ntawm CMSPI.

Lub Koom Haum Kev Them Nyiaj Hluav Taws Xob, txawm li cas los xij, hais tias daim nqi yuav cuam tshuam rau credit card nqi zog cov ntsiab lus, thiab yuav nce nqi rau cov neeg siv khoom.

"Lub npe tsis raug hu ua Credit Card Competition Act of 2022 yog txoj cai tsis txaus ntseeg - ntawm cov Democrats thiab Republicans. Txoj cai lij choj no yuav ua rau cov neeg siv khoom raug mob los ntawm cov nqi siab dua, tsis muaj kev ruaj ntseg them nyiaj, ua rau cov tuam txhab nyiaj txiag me me, txo kev nkag mus rau cov credit rau cov neeg xav tau tshaj plaws, thiab xaus cov kev pab cuam credit card nrov, "lub koom haum tau hais hauv nqe lus.

Sen. Dick Durbin lub chaw ua haujlwm tau hais rau CNBC lub Illinois Democrat npaj yuav rov hais dua daim nqi "thaum ntxov xyoo no."