Tag Archives: cashless

Going Cashless at Seattle Century Link Field

Seattle Cashless

By: KIRO 7 News Staff
Updated: February 11, 2020 – 5:20 AM
SEATTLE — You won’t have to worry about digging around for change the next time you’re at CenturyLink Field.

Starting Tuesday, all concession stands, retail, vendors/hawkers and on-site parking will only accept credit, debit and prepaid cards.

Those who don’t have a debit or credit card can use one of 10 cash-to-card kiosks around the stadium and event center where they can put in cash and get a prepaid card. You can load $1 to $500 on the cards and there is no transaction fee.

The prepaid cards can be used inside or outside the stadium, so those who have money left over on the cards after an event can use it anywhere major cards are accepted. The cards cannot be reloaded.

The box office will still accept cash.

Stadium officials said before the switch, 75 percent of purchases there were made without cash.

Cashless Restaurants – Sweetgreen Will Start Taking Cash

Excerpt from Restaurant Business 4/1/2019

Washington, D.C.-based salad chain Sweetgreen will also start accepting cash again at all of its 94 locations by the end of the year following backlash cashless stores have faced for excluding people without credit cards or bank accounts, the company said last week.

‘Going cashless had positive results, but it also had the unintended consequence of excluding those who prefer to pay or can only pay with cash.’

—Sweetgreen salad chain
From the Sweetgreen Blog

We’ve made the decision to accept cash in all our restaurants nationwide by the end of 2019.

When we decided to go cashless it was based on our core value of win win win — the customer wins, the community wins, the company wins. We believed there were many advantages that would benefit the sg community, including employee safety — reducing incidents of robbery, sustainability — fewer armored cars and less paper, and efficiency — it would speed up service in our restaurants. If you want to read more about why we decided to go cashless, please read this article we published in 2016. Going cashless had these positive results, but it also had the unintended consequence of excluding those who prefer to pay or can only pay with cash.

Ultimately, we have realized that while being cashless has advantages, today it is not the right solution to fulfill our mission. To accomplish our mission, everyone in the community needs to have access to real food.

Cashless Stores Backlash – AP News

Associated Press story published on Oil City News 5/12/2019

Editors note: There should be a way to accept cash without the usual liabilities and the usual ways. Cash for credit conversion machines for example.


NEW YORK (AP) — Hembert Figueroa just wanted a taco.

So he was surprised to learn the dollar bills in his pocket were no good at Dos Toros Taqueria in Manhattan, one of a small but growing number of establishments across the U.S. where customers can only pay by card or smartphone.

Cash-free stores are generating a backlash among some activists and liberal-leaning policymakers who say the practice discriminates against people like Figueroa, who either lack bank accounts or rely on cash for many transactions.

Figueroa, an ironworker, had to stand to the side, holding his taco, until a sympathetic cashier helped him find another customer willing to pay for his meal with a card in exchange for cash.

“I had money and I couldn’t pay,” he said.

Read complete story published on Oil City News 5/12/2019

Protecting the Unbanked in Philadelphia

Full article as originally published on NPR.org

underbanked unbanked image
Philadelphia just became the first large city in the nation to ban cashless businesses in the city, in part to protect people like some construction workers who don’t have a bank or credit card.

Nearly 13 percent of Philadelphia’s population — close to 200,000 people — are unbanked, according to federal banking data. That’s more than double the regional average.

Excerpt: The following is except from news article from PBS on Philadephia deciding to ban “cashless” stores.

The Unbanked and Underbanked in Philadelphia

Last fall, a veteran lawmaker in PA introduced a bill outlawing cashless businesses — shops and restaurants where customers can only pay with credit and debit cards.

The Mayor of Philadelphia signed it into law last week, making Philadelphia the first big city in the country to ban cash-free stores. Beginning July 1.

The PA lawmaker thought it was discriminatory for businesses to turn away low-income residents who don’t have bank accounts, a population often referred to as the “unbanked” or the “underbanked.”

Read The Full article on NPR.org

More on Cashless and Underbanked

2017 FDIC National Survey of Unbanked and Underbanked Households

The FDIC is committed to expanding Americans’ access to safe, secure, and affordable banking services. The FDIC National Survey of Unbanked and Underbanked Households is one contribution to this end.

To assess the inclusiveness of the banking system, and in partial response to a statutory mandate, the FDIC has conducted the survey biennially since 2009.1 The most recent survey was administered in June 2017 in partnership with the U.S. Census Bureau, collecting responses from more than 35,000 households. The survey provides estimates of the proportion of U.S. households that do not have an account at an insured institution, and the proportion that have an account but obtained (nonbank) alternative financial services in the past 12 months. The survey also provides insights that may inform efforts to better meet the needs of these consumers within the banking system.

Estimates from the 2017 survey indicate that 6.5 percent of households in the United States were unbanked in 2017. This proportion represents approximately 8.4 million households.   Some other estimates put that number as high as 50 million. An additional 18.7 percent of U.S. households (24.2 million) were underbanked, meaning that the household had a checking or savings account but also obtained financial products and services outside of the banking system.

The 2017 survey examines a number of additional topics, including the methods that banked households used to access accounts, bank branch visits, use of prepaid cards, use of alternative financial services, saving for unexpected expenses or emergencies, use of credit, and the methods that households used to conduct financial transactions in a typical month.

See economicinclusion.gov for survey findings, the ability to generate custom tables and charts using 2017 and earlier years of survey data, and data downloads and documentation.

The 2017 survey report, executive summary, and other related materials are linked below. (All items are PDF files. See PDF Help for assistance.)

Related FDIC Initiatives

Whitepaper – OTI Brings Cashless Payment Solutions to Worldwide Merchants

OTI Brings Diverse Cashless Payment Solutions to Worldwide Merchants

On Track Innovations LTD, or OTI (NASDAQ: OTIV), is a pioneer and leading global developer of cutting-edge cashless payment solutions including near-field communication (NFC) products and solutions. For over two decades, OTI has provided enterprises worldwide with innovative technology and solutions that forge new business models, grow revenues, streamline processes, and create measurable value for end users. OTI’s field-proven suite of cashless payment solutions is based on an extensive IP portfolio, including registered and patent applications throughout the world.


mobile payment As most of the globe moves towards cashless transactions, consumers are looking for options beyond traditional credit and debit cards. Market growth and technology adoption rates for cashless solutions are driven by millennials who prefer to go cashless. Other market factors driving cashless payments include: universal presence of wireless communications, governments’ promotion of cashless transactions to combat “black cash,” and the demand for the miniaturization of technology.

Automated retailers, Internet of Things (IoT) providers, fuel management companies, mass transit ticketing organizations, and many other industries need secure cashless payment systems to deliver their business objectives. Approximately 45% of transactions in the United States are cashless today, and Sweden expects to be completely cashless by 2020. Cashless transactions already exceed cash in Belgium, France, Sweden, the United Kingdom, and other European countries.


OTI’s business spans hardware, software, and mobile solutions for cashless payments. OTI has over 700,000 hardware devices installed worldwide, supporting markets such as vending, micro-markets, banking and ATMs, petroleum and fuel hardware, ticketing, IoT, wearable devices, and more.

With around 40% market share in the U.S., OTI needed a U.S.-based payment partner to provide secure processing in combination with OTI’s payment capture solutions.

One example, OTI’s TRIO is a modular payment device which supports up to three cashless payment interfaces in one enclosure. The TRIO is specifically designed for installation in unattended environments such as kiosks and vending machines to enable cashless payments with magnetic payment cards, as well as mobile (NFC payment options such as Apple Pay®, Google Pay, Samsung Pay®), EMV chip and contactless payment cards. To deliver this hardware to the U.S. market, OTI needed a payment partner offering state of the art security with end-to-end encryption, tokenization and EMV capabilities.

In another example, otiKiosk provides kiosk system developers with an easy and affordable way to integrate a pre-certified EMV payment acceptance solution into their system, and additionally provides kiosk operators with remote management of their hardware and software. This OTI hardware solution incorporates EMV secured payment acceptance for quick service restaurants (QSRs) and other businesses, supporting mobile payments, credit cards and debit cards. To deliver this to the U.S. market, OTI needed a payment technology partner who could process mobile,

“The OTI and Apriva cashless payments solution was the perfect choice for us. The flexibility to manage both our EASE and CloudEASE portfolios with the same SDK, combined with the efficiency of an off-the-shelf, pre-certified EMV solution not only gave Parking BOXX a time-to-market advantage,but also saved us the cost of months of integration and certification.”
~Renee Smith, President and CTO, Parking BOXX


OTI selected Apriva among the many options for partnering in the U.S. market. With Apriva’s adaptive payment platform, OTI gained a processing partner with the ability to facilitate the broad range of payments OTI’s customer base required. With a secure end-to-end encryption model, and multiple EMV certifications already completed, Apriva was a strategic fit to OTI’s North American operations.

OTI was impressed with Apriva’s payment APIs for quick integration for the OTI’s TRIO and otiKiosk hardware, and with the superlative technical support that accompanied those integrations. Plus, Apriva’s technology platform allows OTI to expand its U.S. business—leveraging Apriva’s network of more than 1,100 merchant acquirers and independent sales organizations (ISOs).

“Apriva is an excellent fit for our cashless payment solutions, as they offer a world-class gateway with multiple secure options,” said Bill Gostowski, Vice President of Business Development at OTI.

“Our cost-effective hardware and software solution pairs strongly with Apriva’s secure payment capabilities and we are pleased to bring an unattended solution to market built upon our combined technologies, experience and success.”


In 2017, OTI and Apriva partnered to bring a new end-to-end EMV solution to the U.S. market supporting unattended payments. This payment solution supports magnetic stripe reader (MSR) transactions, as well as EMV contact and contactless transactions with Elavon as acquiring bank. As a semi-integrated solution, the OTI TRIO reader is securely interfaced with the Apriva gateway, which means a quick integration process for unattended payment environments. Security includes real-time, end-to-end data encryption, using the industry standard derived unique key per transaction (DUKPT) encryption method, with no cardholder or card data stored.

In 2018, OTI combined its otiKiosk solution set with Apriva’s adaptive payment platform to bring vendors, micro market merchants, automated retailers and other unattended businesses unmatched value, flexibility, and ease of integration—saving thousands of dollars, many months in development time and certification costs.

“The addition of pre-certified EMV processing to the OTI/Apriva Kiosk Solutions brings incredible value to both our current and future customers. This timely and relevant EMV solution is easy to install, even for kiosk solution providers with no previous cashless payment experience.”

~Shlomi Cohen, CEO of OTI

The pairing of otiKiosk and Apriva delivers a pre-certified, off-the-shelf EMV solution binding a powerful unattended system with secure payment processing technology. This partnership helps businesses eliminate the cost and complexity of integration and EMV certification for unattended, cashless processing. OTI brings an integrated cloud-based Terminal Management Solution package, responsible for remote terminal management and financial reporting, and Apriva brings payment technology built on a security foundation that has been deployed by the US Intelligence Community, Department of Defense (DoD), and is compliant with the payment industry’s standards body, the PCI Security Standards Council.

cashless payment apriva gateway


Together, OTI and Apriva continue to focus on the ever-growing unattended market with their integrated payment solutions. OTI’s best-in-class hardware and software solutions, combined with Apriva’s adaptive payment platform, brings OTI customers unmatched value, flexibility, and ease of integration.

The partnership delivers an affordable, EMV solution for automated markets. Unattended retailers, micro-markets, vendors and other self-service merchants can increase their revenues by accepting more forms of cashless payments, easily integrated via Windows or Linux SDK, and potentially reducing PCI scope through Apriva’s secure end-to-end encryption (E2EE) technology.

As unattended payment options expand in the years ahead, OTI’s success with hundreds of thousands of readers in the field worldwide aligns tightly with Apriva’s vision for supporting those payments.

“Secure, customer-focused unattended payments are critical to AR Systems. OTI’s payment hardware and Apriva’s payment gateway are key partners in AR Systems’ application of intelligent computing, cloud-based monitoring and robotic solutions to evolve vending into a robust premium retail solution.”
~ Shannon Illingworth, Chief Innovation Officer at AR Systems

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Do cashless restaurants discriminate against the poor? D.C. lawmakers think so.

Do cashless restaurants discriminate against the poor?Cashless Restaurants

Fast-casual places are ditching cash for safety and efficiency. Critics say this shuts out poor people, some immigrants and those who just prefer cash.

Source: www.washingtonpost.com

The global cashless movement has reached Washington, where a growing number of fast-casual establishments and other spots are saying no to greenbacks in favor of plastic and mobile payments. Sweetgreen, the national salad chain founded by Georgetown University graduates, went cashless in most of its locations last year. Other cashless spots include a Menchie’s frozen-yogurt shop downtown, the posh Barcelona Wine Bar on 14th Street NW and the Bruery beer store at Union Market.

Soon, they may be breaking the law.

The decision to go cashless also has broader implications in the global battle between the credit-card and ATM industries.

Perhaps unsurprisingly, Visa has been a major booster of the cashless movement. The credit card company in March awarded 50 businesses $10,000 each for rejecting cash payments and has released reports touting the benefits of a cashless society.

Comments: This will be a very interesting fight over the next decade.  Governments obviously want no cash, as an all electronic economy means every transaction everywhere is known to it.

The push back due to the unbanked was quite predictable.  However, when you see a country like India has gone cashless in many spots — well, if they can figure out how to do it, we should be able to figure out how to do it.  I believe even poor countries in Africa have large cashless segments now.

This really is not a battle of if, but rather when.

Shake Shack Not Going Cashless After All

Shake Shack Not Going Cashless

Half the customers didn’t know how to order on the iPad, a Google commenter wrote

Source: www.eater.com

Here is some insight on cash in restaurants. Shake Shack backed off of it but still is working towards cashless. The CEO reasons are:

Safety: We’ve mitigated the very real security risks associated with having large quantities of cash on-site, so we can become a safer place for our team and our guests.

Efficiency: We’ve streamlined our operations, eliminating cash-counting, and facilitating easier shift transitions (team members can jump on the register without the time-consuming security steps involved in cash-tray change-outs.)

Speed: Without handling cash and making change, we can serve more guests in far less time, meaning you spend less time waiting in line to place your order and pay.

Here is LinkedIn article from Meyer the CEO