this post was submitted on 15 Mar 2025
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Visa and Mastercard are American companies, and they essentially tax everybody by taking a percentage of purchase prices for themselves. Not exactly a small percentage either, 1.2% to 2.65%. Ever wonder why so many merchants say they don't accept American Express? That's because they charge quite a bit more to merchantes, 50% more than Visa or Mastercard. Anyway, we're letting American companies tax us and we love them because we get rewards when we use cards. But it's just a shell game because we pay more up front because businesses need to charge more to make up for payment processing charges. They get to sit in the middle and rake in the money.

Now the alternative in Canada is Interac. Interac charges a set amount per transcation. How much? 2 to 5.5 cents. Unless you're going through Apple or Google Pay, and then it's a percentage again.

Interac is also Canadian.

Want to stick it to Trump? Stop using credit cards (and Google Pay or Apple Pay) and switch to Interac. Want to make Canada better? Stop using credit cards and switch to Interac. Is it going to be inconvenient? Yes. Online shopping will be much harder but I have seen online Interac payments before and we can ask our favourite Canadian merchants to accept Interac online.

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[–] M0oP0o@mander.xyz 3 points 2 days ago

No one has enough money, and this trend will get worse as this trade war goes on. Unless you can replace the credit buffer this initiative is a non starter.

To many people are living partly on a credit card, we need to ether replace it with an non american credit card, some other form of credit (LoCs are harder to get at the moment) or find a way to get more money to Canadians.

[–] allo@sh.itjust.works -4 points 1 day ago* (last edited 1 day ago) (6 children)

For anyone curious like I was, Dicking Around is not what i thought. Looked it up and...

"the phrase "dick around" is actually from "dicker around" which is a 19th c. term. "Dicker" is to "Engage in petty argument or bargaining" and "Treat something casually or irresponsibly; toy with something". So when someone is "dick[er]ing around" they are treating serious matters lightly or doing things in an unnecessarily protracted way; which is precisely how we use it.

The word "dick" however, which I would gather, people would envision it meaning "penis" here, simply doesn't work. We don't use "dick" as a verb, yet alone a progressive verb. "To dick" or "to be dicking" a person, although fairly clear in its sexual connotation, is certainly not in use, "dicking (with) a person" however, makes perfect sense, because it's from that ye olden term "dicker" again.

So "dicking around" has nothing to do with the slang term for penis or the disused colloquial meaning of a rookie detective, or it being an everyman"

,

tho clearly OP didnt kno that and instead masculinizes his speech to be 'man talk' about and for Men.

edit: OP seems less evil than was implied.

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[–] The_Caretaker@lemm.ee -3 points 2 days ago* (last edited 2 days ago) (1 children)

Even if we dumped all online transactions and used cash for in person transactions, there isn't enough cash in circulation. Less than 3% of US dollars are printed on paper. The rest is just numbers on spreadsheets. There is no way we could function without electronic payments. This is true in almost every country that has a central bank that engages in fractional reserve banking.

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[–] IDKWhatUsernametoPutHereLolol@lemmy.dbzer0.com -3 points 2 days ago (1 children)

Cryptocurrencies?

I mean, how long would it be until the next fascist Canadian prime minister?

Better to just get the government out of our wallets.

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