As I'm sure most people would, I almost just hit Checkout but happened to see the text below. I am also sure I would have caught/removed it from the check-out page but maybe not. I did complete my order without 'package protection' but am sending an email and probably won't order again unless their response is acceptable.
Edit: I'll probably send the email after I get shipping confirmation :)
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Essentially a bunch of retailers decided they don’t want to absorb “the costs of doing business” anymore so they now charge $1-5 fees to cover when they have to replace a package that is damaged or lost in shipping. They sell it as “package insurance” but it’s once again consumers getting shafted to offset what was typically seen as a potential liability in running a business based around shipping. As a bonus if you don’t pay their extortion and your package is lost or damaged they will tell you to go fuck yourself
See also: merchants charging a ~3% fee if you use a credit card because similarly covering the cost of a payment processor is increasingly becoming a cost that is not absorbed. Even with medical practices!
In the US at least, this is why you use a credit card. If your package gets lost in transit and the merchant refuses to remedy the issue, that's a easy dispute for merchandise not received. It doesn't matter what the merchant tells you, it's their responsibility to ensure the merchandise arrives.
That being said, every shipping protection scheme I've personally seen is billed as a convenience feature - "less hassle".
And then the 3% surcharge is tacked on
At least this is easy to understand, though. Credit card processor charges us X% so we're passing that on. We used to eat it or fold it into business costs, but with the economy doing it's slow-death we can't anymore.
What really gets me, especially with large purchases like a medical bill or a transmission replacement for example is that 3 or more % quickly becomes advantageous for the processor. On a $10,000 that 3% becomes $300, and it did not get $297 more expensive to wiggle some bits around over a $100 payment's $3. Then, some businesses decide that the best way to offset that cost is something akin to an ACH transfer...just hand over your bank account information and don't worry about it!
Definitely and the processor makes sure the floor is covered; my processor has 2.7%+ 15 cents per transaction to ensure they make a minimum amount per transaction, but there is no ceiling with any processor that I’m aware of
What’s also interesting is that with most processors the fee varies for in person and online with online being notably higher (1.5 vs 2.7% with mine). I suppose because online transactions are more likely to be fraudulent or something but ultimately the processing of the payment shouldn’t change between the settings
I eat the fee fwiw