[I]t all starts when bars enter a partnership with the credit-card companies--in exchange for the ability to let customers pay with Visa, MasterCard, or what-have-you, the bar agrees to follow certain rules set out by these card enterprises. [...] But when it comes to the matter of tab minimums, both Visa and MasterCard couldn't be clearer. "Visa's rules require merchants to always honor valid Visa cards, regardless of purchase amount," reads an e-mail statement from a Visa representative, with bolded words and everything.
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