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Bipartisan Senate Push to Mandate Cash Acceptance at Retail Stores

July 17 – July 21, 2025

The Bottom Line

The Payment Choice Act of 2025 (S. 2326) requires physical stores to accept cash for purchases up to $500 and bans extra fees for using paper money. This ensures that people without bank accounts or credit cards can still buy food and supplies at local businesses. The bill is currently moving through the Senate with support from both Democrats and Republicans.

Who This Affects

10 groups

Mixed

Small Business Owner

Small businesses must accept cash and handle physical money, increasing operational complexity but potentially attracting more customers.

Visual Impairment

Individuals with vision impairments may find cash easier than digital payments, though handling bills and coins can still be challenging.

Helps

Immigrant

Immigrants without U.S. bank accounts can still shop at stores using cash, ensuring access to essential goods and services.

Undocumented

Undocumented individuals who cannot open bank accounts retain the ability to make purchases with cash at physical stores.

Retiree

Retirees who prefer cash over credit cards or don't use digital payment apps can continue shopping at all stores.

Student

Students without credit cards or bank accounts can use cash for purchases at campus stores and local businesses.

Homeowner

Homeowners can pay cash at hardware stores and home improvement retailers without being turned away.

Criminal Record

People with criminal records who may be denied bank accounts can still participate in the economy using cash.

Analysis generated by AI. Always verify with official sources.