I'm surprised your server didn't even try the card.
When I was a cashier, I was taught to always swipe the card, no matter what. When I worked at Nordstrom, we had some European tourists who tried to pay with their Maestro cards and I knew that we couldn't take those but I still swiped them anyway. (And got a card type not recognized) You would think they would at least try it! I also always looked at both sides of the card too (to check for a signature and the payment network).
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@Anonymous wrote:I know of a bakery nearby where the owner got into a fight with Capital One and now they refuse to accept them. Doesn't matter if it's Visa or MC.
Woooooooooow. 
@icyhot wrote:
OMG that would've annoyed me. I would've said "but you take Visa, yes? Ok this is a Visa card" lol like seriously
That's exactly why I was confused.
Goodness. Turn the card over. lol!
I sort of had that problem when I used my Chase United. The cashier didn't even bother to look on the back. Asked me what type of card was it and proceeded to hand it back until I told her to flip it over. 
@Anomalous wrote:
@Anonymous wrote:I know of a bakery nearby where the owner got into a fight with Capital One and now they refuse to accept them. Doesn't matter if it's Visa or MC.
Would love to hear that story.
Yes, and to get The Rest Of The Story about whether the bakery had the issue with personal Capital One cards that they had taken out as their own credit cards? Or some dispute from a Capital One cardholder that they got charged for a bakers dozen as 13 donuts instead of just 12 donuts plus one free? Because there are not many situations where the merchant interacts directly with any bank other than their funding / merchant bank on the payment network.
@NRB525 wrote:
@Anomalous wrote:
@Anonymous wrote:I know of a bakery nearby where the owner got into a fight with Capital One and now they refuse to accept them. Doesn't matter if it's Visa or MC.
Would love to hear that story.
Yes, and to get The Rest Of The Story about whether the bakery had the issue with personal Capital One cards that they had taken out as their own credit cards? Or some dispute from a Capital One cardholder that they got charged for a bakers dozen as 13 donuts instead of just 12 donuts plus one free? Because there are not many situations where the merchant interacts directly with any bank other than their funding / merchant bank on the payment network.
Maybe this depends on your business, but all of our disputes (V/MC/D) come through our Merchant accounts (payment processors); we never deal directly with the bank (except for Amex; those come separately and we do respond to them directly). Wouldn't be such a bad thing except when the banks send letters of cancellations to our merchatns and they refuse to pass them along to us so we get charged a chargeback fee and they can make some extra money.
My guess is the bakery owner had some personal issue with Cap1? I want to hear the rest of the story too! But I wonder if refusing Cap1 cards is a violation of the V/MC merchant agreement?
@Callandra wrote:
@NRB525 wrote:
@Anomalous wrote:
@Anonymous wrote:I know of a bakery nearby where the owner got into a fight with Capital One and now they refuse to accept them. Doesn't matter if it's Visa or MC.
Would love to hear that story.
Yes, and to get The Rest Of The Story about whether the bakery had the issue with personal Capital One cards that they had taken out as their own credit cards? Or some dispute from a Capital One cardholder that they got charged for a bakers dozen as 13 donuts instead of just 12 donuts plus one free? Because there are not many situations where the merchant interacts directly with any bank other than their funding / merchant bank on the payment network.
Maybe this depends on your business, but all of our disputes (V/MC/D) come through our Merchant accounts (payment processors); we never deal directly with the bank (except for Amex; those come separately and we do respond to them directly). Wouldn't be such a bad thing except when the banks send letters of cancellations to our merchatns and they refuse to pass them along to us so we get charged a chargeback fee and they can make some extra money.
My guess is the bakery owner had some personal issue with Cap1? I want to hear the rest of the story too! But I wonder if refusing Cap1 cards is a violation of the V/MC merchant agreement?
I wonder that too. AFAIK, if you take Visa, you have to accept ALL visas no matter what.
