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Comment by c22 | Hacker News Reader

As far as I know this is not accurate. A business may be required to accept cash in order to settle an outstanding debt that it is owed, but I don't think anything prevents them from simply refusing to do business with you from the outset if you don't accept their payment terms.

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>As far as I know this is not accurate. A business may be required to accept cash in order to settle an outstanding debt that it is owed, but I don't think anything prevents them from simply refusing to do business with you from the outset if you don't accept their payment terms.

That depends on where you are. In NYC, businesses have been required to accept cash in person since 2020[0]. In 2025, New York State[1] followed suit.

[0] https://legistar.council.nyc.gov/LegislationDetail.aspx?ID=3...

[1] https://qns.com/2025/06/cash-payments-to-protect-unbanked-sh...

You're right. And I'm surprised. There are states and cities that mandate a cash option, but most don't, including my own. I now side with the OP. There was a time I carried $50 around at all times to avoid being tracked by my card data, but then got lazy. Need to return to this habit.

The only store where I insist on paying cash is (maybe not surprisingly) Home Depot, because they have this odd, shameless practice of tying your in-store purchases with your web account, and sending emails in response. No thank you.

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