We just have a minimum purchase of £5 with the card, which people can break if they are willing to pay a 50p admin fee. So basically we'll take cards for any value, but for anything under a fiver we charge 50p.
Never had a complaint, and often folks will grab a couple of choc bars near the till to go over the five pound threshold. We had to implement it as we had folks trying to use them on £2 spends, where you are in effect loosing money.
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