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One issue I know smaller retailers sometimes have is that it can take a long time to get cleared funds into their account.

One small cafe near a place I used to work said it usually took 30-60 days for funds to clear into their account after a card transaction. That, for them, was a major problem as it meant that they couldn't then pay their suppliers in a timely manner when cashflow was highly variable.

Then again, a bakery I visited that was in a small town said they'd stopped taking cash, as they got robbed some huge number of times.

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