Merchants in the cash system
As policy-makers seek to protect cash acceptance and increasingly look to retailers to facilitate access to cash, Martina Horakova argues that merchants need adequate cash services themselves – and that providing cash to the public should not come at their expense
In policy-making debates, legal and other efforts on cash acceptance, the role of merchants’ access to and deposit of cash is frequently neglected. Across jurisdictions, many merchants are facing adverse and deteriorating conditions for continuing to accept cash payments. These include difficulties in deposit-taking, obtaining change (coins and low denominations), restrictive deposit limits and opening hours, longer travel distances, and rising fees. At the same time, merchants are increasingly
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