Restaurants not accepting cash [General]

Jan 30
Bibis, now open in New Edinburgh cards/ipay only. Screw that.
Too bad it smelled pretty good inside.
I object, on principle. Iím 65 years old, I eat out a lot, and I like to pay cash. I will not go to this place.

Jan 30
Some places are cash only, some are card only, some prioritize one over the other. Doesn't bother me one bit what way restaurants want to accept money. I have both on me most of the time so its not inconvenience to me either way.

Jan 31
If you have a credit card, use that, get your cashback or whatever rewards, and just pay it off immediately as if it were cash. Seems like a no brainer unless you don't have credit or even a debit card. So I don't really see the fuss, it's certainly better than if the place were cash-only. I'm guessing they just don't want to have to deal with the overhead of having cash

Jan 31
@Hungry Pete - so you at the positively ancient age of 65 (/s, you're not old) will use the internet, presumably home wifi, a cel phone, but CREDIT CARDS are where you draw the line?


Jan 31
O Solo: Itís having the choice rather than being dictated to. Also both my wife and I have had ID theft issues, related to using plastic, and like the security of using cash, esp for small transactions. At 65, I grew up before the internet, hell, before bank machines even, and Iím sure Iím not alone in feeling this way, in my age group,

Jan 31
@Hungry Pete - You still have the choice to eat there or not.

Jan 31
H_Pete: Who's being dictated to?
The restaurant has the choice to accept cash or not. You the potential customer has the choice to eat there or not. No one is requiring you to use a cc, tho perhaps i'm wrong but it seems that you feel the restaurant should be required to accept cash.

If 'on principle' - more than an actual fear dining at that that specific restau will lead to ID theft - you will deny yourself a meal you wanted to enjoy, that's your call, not the restaurant's.


Feb 1
Nah, I think we've had enough of following the Americans' example, thanks.

Feb 1
I think I brought this up before with Wolf Down. I knew it was cashless, yet when I went in I didn't have my credit card on me (which is common) and had actually emptied my bank account of discretionary funds. I only had cash. After a brief philosophical discussion with the cashier, they admitted that they DID have cash and would accept it as payment.

I feel similarly to Hungry Pete. It is discriminatory. Yes, they are currently able to make this decision for their business. Yes, I am free to shop elsewhere. I will do so.

I don't use my credit card if I can help it. I often only deal in cash and have no card access to funds that are not earmarked as available. I don't have a phone with NFC, so can't use an ePay system. I'm not alone.

Feb 1
Yes everything Americans do is wrong. BTW this has nothing to do with food, it could be any product that you may not have access to, due to a lack of credit, or technology, or other factors.

Feb 1
This is not about lack of access due to credit or tech as you previously indicated it's your preference to use cash. You have those payment methods you just chose not to use them. I could understand
if this was an essential service, however it's not. Until the seller is dictated to accept cash you'll have to either meet their requirements or keep shouting at the clouds.

Feb 1
Stewtine:
I am not referring to my situation particularly. That is your assumption. As Rizak has pointed out, no-cash businesses discriminate against a variety of people, those who may not have credit/debit cards, a sizable population, given the number of payday loan businesses in town, and older people, such as myself, who may not feel comfortable using said cards. My neighbourhood is full of people in my demographic. Perhaps they just do not care. Perhaps you donít see it as discrimination, because you are not the one affected.
BTW two other small restaurants have opened up in my neighborhood recently, and I go to them regularly. They are happy to take my cash.

Feb 1
I'm sort of with Hungry Pete on this one...

It might seem like a small issue but for some it wouldn't be, we've had a couple of people work for us that were refused a bank account so they literally 'cashed' their cheques so those people would be treated as second class citizens & refused service?

I understand the reasons behind going cashless but it's all for the benefit of the business not necessarily the customer....

I know of at least one place that only takes cash, they have an ATM for you if you don't carry you pay a small fee for the transaction but you also are charged a small fee from your bank for using an independent ATM rather than a 'bank' machine so I don't support that either..

I don't like to dictate to my customers, I like them to feel comfortable...

Cash is legal tender & it's rare enough as it is, for the small amount of people that prefer to use cash I don't really see the need to cut it out entirely..

Terry (New Computer & lost my old account)

Feb 1
Yes my assumption was based on your initial post which didn't really read as "there's an injustice in society" but more "... I like to pay cash. I will not go to this place" and that is my choice. I agree that organizing a society around minimizing discrimination is preferable. Luckily, in this case, neither of us are affected.

Feb 1
I consciously avoided using the Ďdí word initially (although I am glad someone else did), because it can be loaded, but my real objection is that the practice is exclusionary, not that it is a burden on me. This is why I said I objected, on principle.
The articles I linked to made my argument better than I could myself.

Feb 1
So the real issue is access to banking then.

Feb 1
Using the US as a proxy is disingenuous because it's not the same social, business nor banking context. The US has more unbanked Americans then there are Canadians. That's not to say unbanked Canadians isn't also an issue but the percentage of unbanked Canadians (about 3%) is less than half that of the US (nearly 8%) and the banking regulation in Canada is much different and much less hostile to, well anyone, but mostly the poor (though still worse than it is to those with money). I'm not saying it's not a problem, it is and it needs solving but the sources, scale and solutions of the problem are different in Canada (it's mostly the homeless, which is not the case in the US).

That said cash only or card only are both discriminatory. The worst and most egregious being cash only and putting a for profit cash machine in the business. This is far and away the most expensive and customer hostile option of them all. It costs the customer more and the business makes money off it. If you want to take a stand on principle you should avoid any business that removes options from customers.

Also, someone having the means to pay by card but "doesn't like to" doesn't make a card only business discriminatory against that individual. Your payment preferences are your own.

Feb 1
The default for payment for goods and services in our Canadian free market economy is cash, I feel. The default should always be available. While I have always loved the ability to pay for things online or with a credit/debit card and welcomed it when it was introduced, it is a luxury that is built on top of the cash transaction model. Therefore, I feel that if something should be optional, it would be cards.

Feb 1
It could be argued that cash is no longer the default (whatever that means) as the vast majority of Canadians pay with a card the majority of the time.

from: www.bankofcanada.ca
"Cash is now used in one transaction out of three, or 15% of the total value of goods and services purchased."

Feb 1
I guess what I mean by that is that I don't need a secondary device of any kind to be able to use cash. I can drop a loonie in a streetperson's cup. I can pay for something I buy on Kijiji with it. Cash is the most basic thing we can understand about our money and how to use it.

Now I've opened the door for pedants to say, "but what about the gold standard?" I think I've cleared up what I was trying to say, though.

Feb 1
Ok, Iím younger than the original poster and I prefer cash. Itís how I manage my spending. And how I stay under radar for all the ways we get tracked these days. I also just like cash. I like counting bills & coins when I pay and Iím really disappointed when staff struggle to count change.

Using cash makes me feel more equal in our society and that matters to me. I have a real struggle when work lunch ends up at mad radish or other plastic only restaurants.

Itís definitely an interesting debate.

Feb 1
If you have a card, you can get cash. If you have cash, you cannot necessarily get a card.
While the numbers may differ between the US and Canada, the arguments are just as valid.

Feb 1
You can exchange cash for a preloaded credit card at any convenience store. Banks now also provide the option of a preloaded debit card for certain clients, eventually leading to a standard debit card. Even the shitty payday loan places do this.

Canada's access to basic banking regulations ensure almost anyone can get a basic account with a card barring exceptional circumstances. I work at a bank and have for many years. If we turn you down for an account you likely lack the ID required by law.

Additionally, businesses aren't required by law to accept cash. They sell services based on their terms should you agree/meet them.


Feb 1
Yes, there are many ways to convert your cash to plastic. I think the point is that it isnít an age thing. Some of us like cash. We prefer to use cash and find it disappointing when itís not an option in a business. There is an overhead to using a card, so cashless business would roll that up into their costs.

Iíve been in Ottawa for a number of weather events which caused multi-day power outages. Stores and restaurants open took only cash. So maybe itís also a survival instinct ;)

Feb 2
I remember when I moved to Ottawa in 1997 how shocked we were that Interac point-of-sales payment was almost non-existant here compared to Nova Scotia. Later I found out that it was because Nova Scotia was the test market and therefore it was everywhere.

Anyway, that's neither here nor there - just reminiscing on a tangent :-)

Feb 2
Prepaid cards seem to be problematic:
www.investopedia.com

Feb 2
Trunk:
I think there is a strong argument to be made that cash transactions may be underreported, or unreported, by virtue of the nature of the beast.
Think flea/farmers markets, yard/garage sales, and other private sales between citizens, using platforms such as Kijiji. I have bought and sold musical instruments using Kijiji on numerous occasions, often pretty high ticket items. Also, look at the bulletin board at your local supermarket, youíll see ads for all kinds of services, usually offered by private individuals looking to make a few extra bucks, cash only.
There is also an elastic relationship between price and value in these transactions. A chap I used to work with built a house with materials, including new windows, doors, lumber, gyprock, tiles, and paint, he bought, usually for pennies on the dollar, at yard sales.

Feb 2
Something that I find hilarious is that all of these places that don't take cash anymore ... well, they all seem to have a tip jar out. You know, for cash.

Feb 3
Hee...

Feb 3
While I personally use debit a lot and not credit cards. The thing about cash is it allows you to be anonymous. I didn't look up the articles contained in the links but I think there is something called "the right to be forgotten" basically paying by plastic leaves a trail and when people are buying simple basic and inexpensive items, shouldn't it be their right to pay for something without having to leave an online trail tracing you back to that burger you bought Ö Just saying ...

Feb 3
"While I personally use debit a lot and not credit cards."
I'm curious, why debit over credit?

I pretty much exclusively use credit for a number of reasons, the biggest of which is protection. If my CC is compromised I'm not liable for fraudulent purchases and the money never comes out of my account. Good luck getting your money back if you debit is compromised and someone runs up a bunch of charges before you catch it.

I also get rewards with my CC, but that's just a bonus.

"the right to be forgotten"
This has nothing to do with payment methods/info but with what information is publicly available about you. It requires any information publisher to remove public references to you at your request. Those organizations can keep the info internally, they just have to remove it from public visibility. It's also not a thing in North America, only in the EU and doesn't cover everything.

Feb 3
This is exactly what happened to my wife. Her debit card info was stolen at a shop in Toronto, and minutes later that info was used to buy a couple thousand $ worth of merchandise in Montreal. Out bank was on it immediately, and we were not responsible for those purchases. I was very impressed with the security division of our bank.
It still scared the shit out of us though.
Credit cards offer more protection for the consumer, but I believe also involve higher transaction fees for vendors, esp, small independents.

Feb 3
I pay by cash at smaller, single owner venues so they don't have to pay credit card fees. It isn't much, but it saves them something. At all other places I pay by credit card.

Feb 4
I use debit as I don't usually have all that much cash on me and I want to pay for the item with money in my account. I am not all that good at managing money and you can't spend what is not in your account Ö I look over my bank statements and have not had a problem thus far.

Whether what I am saying is the right to be forgotten or some other idea, it' s the concept that money (cash) passes from one person's hands to another for simple transactions and it is a transient transaction. You have something I want, I buy it, get a receipt, it's now mine and my bank does not need to know what I did with my money, this does not need to appear on any bank statements, the vendor does not need to incur fees related to having debt/credit card machines or go through these companies to receive money from the transaction. Who really wants to get a bill for that burger you ate today one month after the fact Ö

I actually get points from my bank for using my debit card (I think I got about $250 last year which compensates for the bank fees charged). I pay by debit when I have the cash in my account, it saves me from paying monthly bills and loosing track of my spending. The way I see it, I ate the burger today, I don't want to be reminded of it one month from now when I get the credit card bill ..

Feb 4
Again, it's all preference. I pay 99% with credit because it's convenient. I don't have to worry about getting cash, having enough on me, withdrawal fees, etc. It builds credit since I always pay my balance in full, there are no fees and I get 40-50$ cash back each month for using it. I'm not bothered by paying for things later - it never even crosses my mind and I just pay the bill when I pay all my other bills later like hydro, internet. If a place does not accept credit and I want thier product I will get cash but that doesn't happen very often since most places take credit.

Feb 5
People are pointing out debit/credit fees for retailers but cash isn't free either. The primarily reason businesses go card only is to save money by avoiding the costs with handling cash. It's the same idea as going cash only, but paying with a card is far more common in Canada so they lose fewer potential customers by going card only over cash only.

Mar 13
Second Cup has just gone cashless.
They will now accept only cards and e-pay.
Because of the virus.
I'm sure there will still be a tip jar.
For cash.
Just saying.
I mean, you're not using it for anything else, right?

Mar 14
Happy Goat as well.
Curmudgeons rejoice.

Mar 14
Kettlemanís just went cashless for sanitary reasons they say.