More restaurants going cashless by only accepting credit and debit cards

(MGN Online)

If you are thinking of eating at Tender Greens by paying with traditional cash, then think again. The salad chain with a total of 28 restaurants on the East and West Coasts has just become one of the many number of eateries that only accepts credit cards and debit cards, along with other non-contact payments such as Apple Pay.

Although there is not a running count of how many restaurants are adopting the cashless policy, there is a rising interest in the idea, according to a report by USA Today. A study done by the 2016 Federal Reserve found that the number of non cash payments, such as credit and debit cards, totaled 144 billion in 2015, after having been growing annually by 5.3 percent between 2012 and 2015. Two national chains are currently exploring by using cashless transactions.

In January, Starbucks made one of its shops in Seattle cashless. Shake Shack, the gourmet hamburger chain, also began to test cashless kiosks in New York City. Restaurant owners claim that ordering is faster with credit and debit cards, rather than cash. Paying with these cards cuts a few seconds out of ordering time. It also takes less time counting bills and reducing pilferage, according to the report.

According to, upscale Millenials prefer to pay in cash, and more than a third of Americans between the ages of 18 and 37 do not own a credit card. Customers find that patronizing restaurants that do not take cash means one less payment option when grabbing a quick meal during a short lunch hour. This raises questions about whether it discriminates against the poor and those who do not own a credit card, according to the report.

"Most people who use cash are people who don't have access to a bank account and are lower income," Lana Swartz, co-editor of Paid: Tales of Dongles, Checks, and Other Money Stuff, told USA Today. "One of the cornerstones of American capitalism is everyone's money is equal."

Cashless businesses have pointed out the fact that customers usually have many choices where they shop. When a homeless person or a young teen does not have a credit or debit card, some restaurants say they have given out free meals to give them a break.

The giants of the fast-food world remain unconvinced by the new cashless system. Andrea Abate of McDonald's said the chain is "always looking to make things easier for our guests." Paul Murray of the Dunkin' Brands also explained that, "they can pay the way they want."

For more information on how restaurants are choosing to go cashless, click HERE.

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