Big-name businesses, including restaurants, bakeries, and petrol stations, are increasingly moving to cashless systems, prompting backlash from some customers. Leading brands like Zizzi’s, Gail’s Bakery, and Itsu have adopted card-only policies in many of their locations, citing benefits like improved security and environmental impact. Meanwhile, supermarkets such as Asda and Tesco are rolling out cashless petrol stations and cafés.
Zizzi’s, for example, now only accepts card payments, Apple Pay, or Google Pay, with cash only being accepted for tips. The chain argues that this system provides a smoother, faster payment experience and enhances safety for staff, who no longer have to handle cash.
Similarly, Gail’s Bakery, which operates over 150 outlets, claims that being cash-free reduces the need for frequent cash collection and minimises security risks, ultimately helping protect employees and customers. The bakery also cites environmental benefits, as reducing cash collection lowers the carbon footprint associated with transportation.
However, not everyone is on board with this shift. The Payment Choice Alliance, led by Ron Delnevo, calls the move “completely unacceptable”, arguing that it lets down the public, as many people still rely on cash for payments.
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It is currently legal for businesses to refuse cash. According to Full Fact, cash is “legal tender” in certain contexts, but shops are not required to accept it as payment.
Retailers can choose which forms of payment they accept, whether it’s cash, card, or mobile payments. The Bank of England also confirms that shop owners are free to decide on payment methods.
Mr Delnevo and other pro-cash campaigners are calling for new laws requiring businesses to accept cash, arguing that it is a basic right for consumers. Some also point out that vulnerable groups, including the elderly and those without bank accounts, may be disproportionately affected by cashless policies.
