{"id":436795,"date":"2024-01-17T13:30:15","date_gmt":"2024-01-17T18:30:15","guid":{"rendered":"https:\/\/www.paymentsjournal.com\/?p=436795"},"modified":"2024-07-17T14:55:00","modified_gmt":"2024-07-17T18:55:00","slug":"proposals-requiring-merchants-to-accept-cash-move-ahead","status":"publish","type":"post","link":"https:\/\/www.paymentsjournal.com\/proposals-requiring-merchants-to-accept-cash-move-ahead\/","title":{"rendered":"Proposals Requiring Merchants to Accept Cash Move Ahead"},"content":{"rendered":"\n<p>Wisconsin and Vermont have become the latest states to propose laws requiring retailers to accept cash as payment. Wisconsin\u2019s bill, introduced late in 2023,&nbsp;would prevent establishments from refusing cash for any in-person transaction of less than $2,000. The Vermont bill has no such limits. It states simply: \u201cA seller or lessor who offers goods or services to consumers shall not refuse to accept cash as a method of payment.\u201d<\/p>\n\n\n\n<p>Arizona, Colorado, Massachusetts, Michigan, New Jersey, New York, Mississippi, and the District of Columbia already have payment laws allowing people to use cash at all physical points of sale. Several cities, including Philadelphia and San Francisco, have similar laws.<\/p>\n\n\n\n<p>The Federal Reserve has made it clear that there is no requirement for businesses to accept cash. \u201cThere is no federal statute mandating that a private business, a person, or an organization must accept currency or coins as payment for goods or services,\u201d the Fed\u2019s website says. \u201cPrivate businesses are free to develop their own policies on whether to accept cash unless there is a state law that says otherwise.\u201d<\/p>\n\n\n\n<p>In Wisconsin, sports venues such as Lambeau Field and the state fair have moved to a card-only policy. But <a href=\"https:\/\/captimes.com\/news\/government\/as-some-businesses-go-cashless-the-legislature-could-push-back\/article_7393a278-9085-11ee-818d-4f21a6bb8726.html\">The Cap Times reported<\/a> that Brunch, a breakfast chain in Milwaukee, recently shifted back from its card-only policy after customers complained.<\/p>\n\n\n\n<p>At times, this movement appears to be a solution in search of a problem. According to a report in Seven Days, an independent Vermont media outlet, even the lawmakers proposing the new rule didn\u2019t know if there were retailers who refused to take cash. \u201cWhile several members of the committee said on Tuesday that they had heard anecdotes about cash-only requirements, including at food trucks,\u201d <a href=\"https:\/\/www.sevendaysvt.com\/news\/lawmakers-consider-measures-to-preserve-cash-payments-in-stores-39981342\">the article reads<\/a>, \u201cnone of the cosponsors could name a business they were certain has a card-only policy.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-fueling-the-movement\">Fueling the Movement<\/h2>\n\n\n\n<p>Card-only retailing has been gaining steam for years but became much more popular during <a href=\"https:\/\/www.paymentsjournal.com\/how-has-covid-19-impacted-cash-use\/\">the pandemic<\/a>. Some laws requiring businesses to accept cash predate COVID-19, though. New Jersey, for example, banned cashless retail outlets in 2019.<\/p>\n\n\n\n<p>The resulting movement to retain cash has been fueled in part by <a href=\"https:\/\/www.cashmatters.org\/\">Cash Matters<\/a>, a nonprofit group supported by the ATM industry. Cash Matters was formed in 2017 to \u201csupport the existence and relevance of cash as an integral part of the payment landscape now and in future.\u201d According to Cash Matters, cash is used in 12% of all point-of-sale transactions in the U.S.<\/p>\n\n\n\n<p>Laws requiring retailers to accept cash are also under consideration in Georgia and Miami, among other areas. States such as Mississippi and North Dakota have already considered and rejected such bills.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Wisconsin and Vermont have become the latest states to propose laws requiring retailers to accept cash as payment. Wisconsin\u2019s bill, introduced late in 2023,&nbsp;would prevent establishments from refusing cash for any in-person transaction of less than $2,000. The Vermont bill has no such limits. It states simply: \u201cA seller or lessor who offers goods or [&hellip;]<\/p>\n","protected":false},"author":8441,"featured_media":87158,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"subtitle":"","format":"standard","video":"","gallery":"","source_name":"","source_url":"","via_name":"","via_url":"","override_template":"0","override":[{"template":"1","single_blog_custom":"","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"top","share_float_style":"share-monocrhome","show_share_counter":"1","show_view_counter":"1","show_featured":"1","show_post_meta":"1","show_post_author":"1","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"1","show_post_reading_time":"0","post_reading_time_wpm":"300","show_zoom_button":"0","zoom_button_out_step":"2","zoom_button_in_step":"3","show_post_tag":"1","show_prev_next_post":"1","show_popup_post":"1","number_popup_post":"1","show_author_box":"0","show_post_related":"0","show_inline_post_related":"0"}],"override_image_size":"0","image_override":[{"single_post_thumbnail_size":"crop-500","single_post_gallery_size":"crop-500"}],"trending_post":"0","trending_post_position":"meta","trending_post_label":"Trending","sponsored_post":"0","sponsored_post_label":"Sponsored by","sponsored_post_name":"","sponsored_post_url":"","sponsored_post_logo_enable":"0","sponsored_post_logo":"","sponsored_post_desc":"","disable_ad":"0"},"jnews_primary_category":{"id":"1261","hide":""},"jnews_social_meta":{"fb_title":"","fb_description":"","fb_image":"","twitter_title":"","twitter_description":"","twitter_image":""},"jnews_override_counter":{"override_view_counter":"0","view_counter_number":"0","override_share_counter":"0","share_counter_number":"0","override_like_counter":"0","like_counter_number":"0","override_dislike_counter":"0","dislike_counter_number":"0"},"footnotes":""},"categories":[137,1290,1261,64886,63160,15235],"tags":[132,1211,128],"class_list":["post-436795","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-analysts-coverage","category-cash","category-merchant","category-payments-news","category-retail-payments","category-small-business","tag-cash","tag-merchant","tag-point-of-sale"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Law Proposals Require Merchants to Accept Cash - PaymentsJournal<\/title>\n<meta name=\"description\" content=\"Wisconsin and Vermont have become the latest states to propose laws requiring merchants to accept cash as payment.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.paymentsjournal.com\/proposals-requiring-merchants-to-accept-cash-move-ahead\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Proposals Requiring Merchants to Accept Cash Move Ahead\" \/>\n<meta property=\"og:description\" content=\"Wisconsin and Vermont have become the latest states to propose laws requiring merchants to accept cash as payment.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.paymentsjournal.com\/proposals-requiring-merchants-to-accept-cash-move-ahead\/\" \/>\n<meta property=\"og:site_name\" content=\"PaymentsJournal\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/paymentsjournal\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-01-17T18:30:15+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-07-17T18:55:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2020\/05\/1017-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tom Nawrocki\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@paymentsjournal\" \/>\n<meta name=\"twitter:site\" content=\"@paymentsjournal\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tom Nawrocki\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/proposals-requiring-merchants-to-accept-cash-move-ahead\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/proposals-requiring-merchants-to-accept-cash-move-ahead\\\/\"},\"author\":{\"name\":\"Tom Nawrocki\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#\\\/schema\\\/person\\\/1c5a9b5ae3fe844a1abcff9194dc5a71\"},\"headline\":\"Proposals Requiring Merchants to Accept Cash Move Ahead\",\"datePublished\":\"2024-01-17T18:30:15+00:00\",\"dateModified\":\"2024-07-17T18:55:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/proposals-requiring-merchants-to-accept-cash-move-ahead\\\/\"},\"wordCount\":444,\"publisher\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/proposals-requiring-merchants-to-accept-cash-move-ahead\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2020\\\/05\\\/1017-scaled.jpg\",\"keywords\":[\"Cash\",\"Merchant\",\"Point of Sale\"],\"articleSection\":[\"Analysts Coverage\",\"Cash\",\"Merchant\",\"News\",\"Retail Payments\",\"Small Business\"],\"inLanguage\":\"en-US\",\"copyrightYear\":\"2024\",\"copyrightHolder\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/proposals-requiring-merchants-to-accept-cash-move-ahead\\\/\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/proposals-requiring-merchants-to-accept-cash-move-ahead\\\/\",\"name\":\"Law Proposals Require Merchants to Accept Cash - PaymentsJournal\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/proposals-requiring-merchants-to-accept-cash-move-ahead\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/proposals-requiring-merchants-to-accept-cash-move-ahead\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2020\\\/05\\\/1017-scaled.jpg\",\"datePublished\":\"2024-01-17T18:30:15+00:00\",\"dateModified\":\"2024-07-17T18:55:00+00:00\",\"description\":\"Wisconsin and Vermont have become the latest states to propose laws requiring merchants to accept cash as payment.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/proposals-requiring-merchants-to-accept-cash-move-ahead\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.paymentsjournal.com\\\/proposals-requiring-merchants-to-accept-cash-move-ahead\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/proposals-requiring-merchants-to-accept-cash-move-ahead\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2020\\\/05\\\/1017-scaled.jpg\",\"contentUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2020\\\/05\\\/1017-scaled.jpg\",\"width\":2560,\"height\":1707,\"caption\":\"Will Cash Have a Role in an Increasingly Digital World?\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/proposals-requiring-merchants-to-accept-cash-move-ahead\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.paymentsjournal.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Proposals Requiring Merchants to Accept Cash Move Ahead\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#website\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/\",\"name\":\"PaymentsJournal\",\"description\":\"Payments Content, Expert Insights and Timely News\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.paymentsjournal.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#organization\",\"name\":\"PaymentsJournal\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/cropped-paymentsjournal-icon.jpg\",\"contentUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/cropped-paymentsjournal-icon.jpg\",\"width\":512,\"height\":512,\"caption\":\"PaymentsJournal\"},\"image\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/paymentsjournal\\\/\",\"https:\\\/\\\/x.com\\\/paymentsjournal\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/paymentsjournal\\\/\",\"https:\\\/\\\/www.youtube.com\\\/channel\\\/UC8yheGWcDLrJkPlxW-_JvRw?view_as\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#\\\/schema\\\/person\\\/1c5a9b5ae3fe844a1abcff9194dc5a71\",\"name\":\"Tom Nawrocki\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2023\\\/11\\\/Thomas-Nawrocki-Headshot-150x150.jpg\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2023\\\/11\\\/Thomas-Nawrocki-Headshot-150x150.jpg\",\"contentUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2023\\\/11\\\/Thomas-Nawrocki-Headshot-150x150.jpg\",\"caption\":\"Tom Nawrocki\"},\"description\":\"Tom Nawrocki serves as a Staff Writer at PaymentsJournal.com, where he covers the latest trends and developments in the payments industry.\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/author\\\/tom-nawrocki\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Law Proposals Require Merchants to Accept Cash - PaymentsJournal","description":"Wisconsin and Vermont have become the latest states to propose laws requiring merchants to accept cash as payment.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.paymentsjournal.com\/proposals-requiring-merchants-to-accept-cash-move-ahead\/","og_locale":"en_US","og_type":"article","og_title":"Proposals Requiring Merchants to Accept Cash Move Ahead","og_description":"Wisconsin and Vermont have become the latest states to propose laws requiring merchants to accept cash as payment.","og_url":"https:\/\/www.paymentsjournal.com\/proposals-requiring-merchants-to-accept-cash-move-ahead\/","og_site_name":"PaymentsJournal","article_publisher":"https:\/\/www.facebook.com\/paymentsjournal\/","article_published_time":"2024-01-17T18:30:15+00:00","article_modified_time":"2024-07-17T18:55:00+00:00","og_image":[{"width":2560,"height":1707,"url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2020\/05\/1017-scaled.jpg","type":"image\/jpeg"}],"author":"Tom Nawrocki","twitter_card":"summary_large_image","twitter_creator":"@paymentsjournal","twitter_site":"@paymentsjournal","twitter_misc":{"Written by":"Tom Nawrocki","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.paymentsjournal.com\/proposals-requiring-merchants-to-accept-cash-move-ahead\/#article","isPartOf":{"@id":"https:\/\/www.paymentsjournal.com\/proposals-requiring-merchants-to-accept-cash-move-ahead\/"},"author":{"name":"Tom Nawrocki","@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/person\/1c5a9b5ae3fe844a1abcff9194dc5a71"},"headline":"Proposals Requiring Merchants to Accept Cash Move Ahead","datePublished":"2024-01-17T18:30:15+00:00","dateModified":"2024-07-17T18:55:00+00:00","mainEntityOfPage":{"@id":"https:\/\/www.paymentsjournal.com\/proposals-requiring-merchants-to-accept-cash-move-ahead\/"},"wordCount":444,"publisher":{"@id":"https:\/\/www.paymentsjournal.com\/#organization"},"image":{"@id":"https:\/\/www.paymentsjournal.com\/proposals-requiring-merchants-to-accept-cash-move-ahead\/#primaryimage"},"thumbnailUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2020\/05\/1017-scaled.jpg","keywords":["Cash","Merchant","Point of Sale"],"articleSection":["Analysts Coverage","Cash","Merchant","News","Retail Payments","Small Business"],"inLanguage":"en-US","copyrightYear":"2024","copyrightHolder":{"@id":"https:\/\/www.paymentsjournal.com\/#organization"}},{"@type":"WebPage","@id":"https:\/\/www.paymentsjournal.com\/proposals-requiring-merchants-to-accept-cash-move-ahead\/","url":"https:\/\/www.paymentsjournal.com\/proposals-requiring-merchants-to-accept-cash-move-ahead\/","name":"Law Proposals Require Merchants to Accept Cash - PaymentsJournal","isPartOf":{"@id":"https:\/\/www.paymentsjournal.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.paymentsjournal.com\/proposals-requiring-merchants-to-accept-cash-move-ahead\/#primaryimage"},"image":{"@id":"https:\/\/www.paymentsjournal.com\/proposals-requiring-merchants-to-accept-cash-move-ahead\/#primaryimage"},"thumbnailUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2020\/05\/1017-scaled.jpg","datePublished":"2024-01-17T18:30:15+00:00","dateModified":"2024-07-17T18:55:00+00:00","description":"Wisconsin and Vermont have become the latest states to propose laws requiring merchants to accept cash as payment.","breadcrumb":{"@id":"https:\/\/www.paymentsjournal.com\/proposals-requiring-merchants-to-accept-cash-move-ahead\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.paymentsjournal.com\/proposals-requiring-merchants-to-accept-cash-move-ahead\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.paymentsjournal.com\/proposals-requiring-merchants-to-accept-cash-move-ahead\/#primaryimage","url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2020\/05\/1017-scaled.jpg","contentUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2020\/05\/1017-scaled.jpg","width":2560,"height":1707,"caption":"Will Cash Have a Role in an Increasingly Digital World?"},{"@type":"BreadcrumbList","@id":"https:\/\/www.paymentsjournal.com\/proposals-requiring-merchants-to-accept-cash-move-ahead\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.paymentsjournal.com\/"},{"@type":"ListItem","position":2,"name":"Proposals Requiring Merchants to Accept Cash Move Ahead"}]},{"@type":"WebSite","@id":"https:\/\/www.paymentsjournal.com\/#website","url":"https:\/\/www.paymentsjournal.com\/","name":"PaymentsJournal","description":"Payments Content, Expert Insights and Timely News","publisher":{"@id":"https:\/\/www.paymentsjournal.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.paymentsjournal.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.paymentsjournal.com\/#organization","name":"PaymentsJournal","url":"https:\/\/www.paymentsjournal.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2024\/03\/cropped-paymentsjournal-icon.jpg","contentUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2024\/03\/cropped-paymentsjournal-icon.jpg","width":512,"height":512,"caption":"PaymentsJournal"},"image":{"@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/paymentsjournal\/","https:\/\/x.com\/paymentsjournal","https:\/\/www.linkedin.com\/company\/paymentsjournal\/","https:\/\/www.youtube.com\/channel\/UC8yheGWcDLrJkPlxW-_JvRw?view_as"]},{"@type":"Person","@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/person\/1c5a9b5ae3fe844a1abcff9194dc5a71","name":"Tom Nawrocki","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2023\/11\/Thomas-Nawrocki-Headshot-150x150.jpg","url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2023\/11\/Thomas-Nawrocki-Headshot-150x150.jpg","contentUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2023\/11\/Thomas-Nawrocki-Headshot-150x150.jpg","caption":"Tom Nawrocki"},"description":"Tom Nawrocki serves as a Staff Writer at PaymentsJournal.com, where he covers the latest trends and developments in the payments industry.","url":"https:\/\/www.paymentsjournal.com\/author\/tom-nawrocki\/"}]}},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/posts\/436795","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/users\/8441"}],"replies":[{"embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/comments?post=436795"}],"version-history":[{"count":0,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/posts\/436795\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/media\/87158"}],"wp:attachment":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/media?parent=436795"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/categories?post=436795"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/tags?post=436795"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}