But card transactions come with costs

Jay Patel called from The Chocolate Box in Rainham (the one in Kent, not Essex as he is always having to tell lorry drivers looking for a nearby estate which is actually 40 miles away) to ask about the minimum spend he put on purchases.

“We’ve stipulated a £10 spend on any card.”

Trouble is that now people are trying to avoid germ-laden cash in view of coronavirus and he was getting offered cards for just a packet of crisps – clearly not on when you factor in the credit card charges and then the bank charges.

He wanted to be sure it was legal.

It is. The directive that raised such a hullabaloo in January 2018 said you could no longer charge for taking credit and debit cards. It didn’t mention minimum spends. Just put a sign up. And wear gloves for handling cash.