Card-present fraud is low enough that I can accept payments (in the UK) for 1.69%. The reader cost £39, but in the last few months they've started allowing me

Card-present fraud is low enough that I can accept payments (in the UK) for 1.69%. The reader cost £39, but in the last few months they've started allowing me to accept NFC payments using my phone without a separate reader. No monthly fees. I'm not running "classic" retail, just stalls at school events. The cost of cash is the cost of my time and that of other volunteers making sure we know how much cash we brought in, and getting to the bank. It's absolutely worth 1.69% to avoid having to deal with cash. And that's even before worrying about having a float to make change with.