So if card is the only way a business chooses to take payment, leaving consumers with no choice, why should the consumer pay a cc fee as well?

We can currently avoid fees when we choose to use cash. If a business wants cc only payment it should pay the fees and not pass to the consumer.

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why is everybody talking about a cashless society buy nobody is commenting on the never ending bank charges at shops just for spending your own money on food. the banks are ripping us off

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The biggest problem with going cashless is how do you pay for things for your debit card, credit card, or phone goes missing, becomes broken or doesn't work for what ever reason. Most people only have one of these and they can take days or weeks to replace, especially if you are overseas. Also, the internet and the cashless society has been pushed on us in a non- democratic non-voting way and the internet is becoming less and less secure everyday. I don't know why we are being forced to be digital. At least the government or the banks should give us all free up-to-date mobile phones with the latest worthwhile apps and connection plans. It is like the homeless crisis. What effect does not having a residential or postal address have on the homeless.

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The problem is every "expert" on this matter keeps getting the information WRONG. Let's be very VERY clear about this. It has NOTHING to do with whether a business is permitted to accept cash or not.

Here's the important part: A customer CAN pay for their goods and services using CASH if they choose to at their discretion. It has NOTHING to do with a business allowing it or not allowing it.

The best advice to give all of us as customers is this - ensure you always carry sufficient quantity of each denomination. Therefore you can "pay" the correct amount without requiring change.

If the person on the other side of the counter in some way balks at the cash - you leave it on their counter AND THEN LEAVE ! You are deemed to have paid for the goods / services.

Better yet - and if the employee threatens to call the police or some such rubbish - encourage them to do exactly that and ask them for the call to be put on speaker phone while you all listen to the police laugh at them at best or chew them out for attempting to waste police time at worst.

Again - this topic is NOT whether the business wants to choose to accept cash or not - its OUR choice as consumers to elect to do so and if we do - there is NOTHING that business can do about it.

As consumers we have to STOP asking permission of businesses upon such topics. The customer is always right. Businesses WILL learn to appreciate customers once again or they'll be put out of business.

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Cashless would not worry me if businesses (not all) did not add on a surcharge for using a cash card. I have contacted a bank and a credit union re this practice and I have been advised that this is not a charge that the banks implement.

Apparently the businesses (not all) charge a surcharge to cover the purchase cost of their 'card reader'. At what point do they start to actually make money from using these machines?

I can go to the Capital Cities and buy a coffee with my cash card and not be charged a surcharge. I travelled around Europe and was not charged for using my cash card.

I believe that charging extra to use your own cash is 'price gouging' at its best.

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After reading the comments, this is my opinion. Accepting cash is extra work for the business. So by you paying cashless, you are in retrospect saving the business labor costs, theft risk, and opportunity/convenience. Unfortunately, all cashless payments go through a merchant. Different goods and services are categorised by merchants as different levels of risk and merchants charge a percentage of all transactions for their services. When you buy something online you can't pay cash unless the vendor accepts direct debit. I own a shop and have a severe physical disability. I literally cannot physically handle cash. So I only take cashless payments. I however absorb merchant fees for now. To answer the losing your phone scenario. The only way forward I can see is microchips.

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It's ludicrous to go cashless in Australia. Too many outback communities with dodgy internet and also natural disasters which cause places to lose internet coverage. Cash is necessary. Garage sales, pocket money, second hand purchases which encourage recycling, donation tins etc as well. Also I value my privacy! Cash is King.

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If only card is accepted then no surcharge should be permitted and this be law by payment by card saves the company more than it costs them ie no counting cash, no cash pick, no going to deposit cash, balance of income/paymets for day already done, increased security as no cash or little cash on site reduced chance of robbery payments over phone or net have no person to take payment these all are costs that are taken from business so surcharge not justified and goverment bodies are the front runners at surcharges

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Until they sort out the ongoing fees that both the banks and the businesses charge and not to mention the ongoing security issues, data leaks and scammers, I won't be a part of that transition. Living in regional Queensland where you are flat out having a fone signal, never mind the hour and a half spare in your day to spend on hold waiting to talk to someone about your bank account because they've decided to close all the branches down . . . stating we can just drive to our nearest branch that's only 2 hours drive up the road. Banks need to upgrade their own security, a bit like the UK at the very least, so that the name on the account matches the details, bsb etc, so that these scammers and hackers are traceable and unable to get away with stealing money.

I like to buy and sell a few bits and bobs on marketplace and gumtree and don't want to be sending everything through the bank.

We are soooo far away from being Cashless from where I stand, sorry.

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It's also breaking a contract when cc charges added to the bill. A price that is listed on a menu is "An invitation to treat"when you order a dish, you enter a contract for that goods and price. "IF" cc surcharges are not mentioned you have the right to only pay the menu price. And tell them to Shove the surcharge.

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I think the business pays the bank, per use/term for the use of the reader, not its purchase. Most businesses just up the price for all products to cover it, as a hidden cost, rather than advertise the fact. We have 2 readers at my work. One is more $$ than the other, to the business, so is only used for phone payments etc. The simpler one is cheaper, and scans cards on site only.

Our price doesnt change, whether the customer pays cash, or either reader card

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In my opinion the customer always has the option to vote with their feet and walk away from any shop that refuses to accept cash.

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I object to the additional charges that the business impose when making card payments-which generally aren't advised to the customer prior to conducting business. If your business will not accept cash as payment, then there should be no additional charge for using cards. There is also the issue of making small cash donations to various charities-that form of fund raising is now obsolete.

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Most people pay bills online and spend their cash to pay for most of there daily needs. And cash is the back bone of small country towns. I'm so happy to see so many travellers using cash instead of cards. Cash is 🤴

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to use the tap and go system not only incurs a percentage charge or surcharge /penalty for the priviledge of use , it also allows for rounding up , possibly this nasty plan has been secreted for many years with the reduction / removal of one and two cent coins and or possibly the plan goes back to the pounds shillings and pence removal in 1966 in order to introduce dollars and cents and eventually the introduction of the magic plastic making people think that the change was something wonderous , money in a tap , this would have to be the greatest misjustice that Australia was to trust the powers to be only to find that the country has been duped , shame on all politicians , the true white criminals of our country

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Exactly right! Not to mention people in domestic violence situations whose partners track their banking. Or a grandparent putting some money into a birthday card.. Or just the most important fact of PRIVACY; so the banks and government cannot track our every move and cut us off if they dont like what we post about on social media! It's absolutely a must in a free society.

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We don't necessarily have to remove cash to make transactions easier.

The cost of having a lot of change on hand is the issue for business.

If the Govt removed the $100 & $50 notes then businesses only need to have smaller amounts of change.

You can still grab $100 from ATM but it'll be 5 X $20 notes. A lot easier to deal with.

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Dead right..people need to assert their rights

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PRIVACY. Remember, if you want a loan, they now demand you send them a full copy of your bank statements - so any loan provider will see exactly where you were, when and what you bought - in detail. They can then make a judgement upon you about whether you are spending too much on one thing, no matter what your salary. Banks share our data with third parties. Do you really want so many businesses to know your full name and exactly where you were and when and what you are buying?

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