Why Cities & States are Pushing Back Against the Cashless Trend
BFC Enterprises • April 8, 2025

With no federal law in place that requires private businesses to accept cash, a number of U.S. cities and states have taken steps in recent years to halt the movement towards a cashless society – and most importantly ensure low-income consumers, that don’t have access to traditional banking services, can fully participate in the economy.


In 2022, Colorado passed a law that requires retailers to accept cash. They joined New Jersey, Rhode Island, the District of Columbia, Philadelphia, San Francisco and New York City which passed laws between 2019 and 2020 in prohibiting most businesses from refusing cash for in-person payments. Massachusetts has required retailers to accept cash since 1978. 

Proponents of these laws argue cashless stores discriminate against the underbanked and poorer members of society that do not have access to bank accounts or credit/debit cards – and rely on cash to buy vital goods and services.

In addition to discrimination issues, cash is still a favored payment options for U.S. consumers despite the rise in credit/debit card and digital payment option. According to the Federal Reserve's 2024 Diary of Consumer Payment Choice, cash accounted for 16% of all consumer payments in 2023. Consumers under 55 using cash for 12% of their payments and those 55 and older using cash 22% of the time, according to a 2021 FDIC report

Why the Cashless Trend is Bad for Business
Retailers and merchants who lean toward the cashless trend stand to alienate a large portion of their customers:
  • Unbanked & Low-Income Consumers. Many U.S. citizens are still unaffiliated with a bank or credit union. Whether by choice, geographic location or socioeconomic factors, 18.6% Americans or approximately 24.6 million Americans are unbanked or underbanked and primarily deal solely in cash, according to a 2021 Federal Deposit Insurance Corporation report. While the number is at a record low, it is still a significant portion of consumers who would be unable to purchase goods or services in a cashless society. 
  • Young Shoppers. Since most credit cards have age limits and some type of income requirement, businesses that push for cashless payments stand to lose a fair number of customers – and profit – based on the age of their shoppers. Debit cards limit younger shoppers as well, since parents must cosign an account for driving age students, and anyone under the age of 15 is banned from opening a checking account – leaving children who’ve received cash gifts or mow lawns for pocket money unable to make purchases of any kind. 
  • Customers with Privacy Concerns. Many Americans use cash for small purchases and/or sensitive transactions. It is unsettling for some to think every purchase is being tracked and monitored. In addition, Americans have suffered through several security breaches at large corporations leaving consumers understandably hesitant to share their digital information 
Every U.S. bank note is printed with the words: “This note is legal tender for all debts, public and private.” In a society that limits the use of cash, this would make those words meaningless… and would lock out a number of consumers from making purchases. 

Giver your Customers the Freedom of Payment Choice and Easy Cash Access!
Contact BFC Enterprises today to get an ATM for your business.  You may qualify for a free, turn-key ATM! 

Amusement Games: Turn fun into profit
By BFC Enterprises November 4, 2025
Discover how one Illinois bowling alley owner boosted revenue and customer time-on-site with hassle-free amusement game solutions from BFC Enterprises.
By BFC Enterprises October 27, 2025
That's exactly why partnering with BFC Enterprises to select and manage your amusement games is a smart move. You get expertly matched equipment that maximizes fun, keeps customers engaged, and hits your revenue goals, without any of the guesswork or hassle. Game Selection Backed by Real Experience BFC Enterprises has spent decades placing games in all kinds of business environments. We've seen what works in shopping centers versus family restaurants. We know which games draw teenagers at youth sports facilities and which ones keep adults entertained at bars while they wait for their food. When we evaluate your location, we're looking at your customer base, your foot traffic patterns, and your available space. We're thinking about who's walking through your doors, how long they typically stay, and what kind of entertainment matches their vibe. Then we match game styles to those factors for optimal performance. You shouldn't have to figure this out through expensive trial and error. We already know what works. Maximize Play and Profit Here's a truth every business owner should know: not all amusement games perform equally in every location. Some games get tons of attention and consistent play. Others just take up space. We use data and hands-on experience to choose games that will actually get played. We place the ones that grab attention, generate consistent activity, and deliver the highest revenue return. This means more passive income for you without spending months testing different machines to see what sticks. Think of it this way: we're not just dropping random equipment in your location and hoping for the best. We're strategically placing proven performers that match your specific environment. That's the difference between a few extra bucks a month and a meaningful revenue stream. Regular Rotation Without the Hassle Even the best games can get stale after a while. That's why we don't just set it and forget it. BFC Enterprises actively monitors game performance at your location. When we notice engagement dropping or when there's an opportunity to refresh things, we rotate games to keep your customers interested and having fun. We also select seasonal prizes that keep people playing longer and coming back to see what's new. The best part? You don’t have to track any of this yourself. We handle the strategy, the swaps, and the prize selection. Your customers stay entertained, and you keep earning, all without lifting a finger. Full-Service Support You Can Count On When you partner with BFC Enterprises , you're not just getting equipment delivered and left behind. You're getting complete, ongoing support. We handle compatibility issues, maintenance, prize stocking, and repairs. If something breaks, you're not scrambling to fix it or figure out who to call. Our team takes care of everything while you focus on what you do best – serving your customers and running your business. This is truly passive income. No headaches, no technical problems to solve, no wondering if you picked the right equipment. Just steady earnings from games that work. The Bottom Line Adding amusement games to your location is a smart way to increase customer engagement, extend dwell time, and create an additional revenue stream. But only if you choose the right games and manage them properly. When you partner with BFC Enterprises, you get the best-performing, highest-return amusement setup – customized specifically to your business and your customers – without any of the work. We bring the expertise, the equipment, and the ongoing support. You bring the space and the customers. Together, we create more fun, more engagement, and more profit. Ready to get started? Contact BFC Enterprises today and let's build the perfect amusement game setup for your location. 📞 (314) 961-9000 🌐 bfcenterprises.com/contact