You may have selected the wrong account. There are usually 3 options on offer. I was nearly caught last weekend because the merchant had a different unit from others I use regularly.
Don't be so hasty. My aunt in SE Melb asked her Council to remove a very large pine on Council land, because it had damaged her fence over the years. Request denied, and she was told hefty fines would apply if any part of the tree was removed. She had lived at that address for over 50years, but...
I always insert my card & pay directly from my Savings a/c. No charge of any kind for the 'inconvenience' of spending a few more seconds at the check out.