[ballenf]

Wouldn't it be more accurate to say that it's cheaper to take one or the other, but if you mostly take credit cards then there is a marginal cost to also accepting cash? And vice versa. However:

- If I'm doing a large cash business then the next $5+ costs me basically nothing.

- However if I'm doing a mostly credit card business, the next $5 will cost me the same as the first $5.

With that, I think the analysis you read was funded by payment processors.

[therealmarv]

It's a good mind trick to look on a single additional transaction. But you are also not thinking about all the costs you have per month for storing, securing, exchanging cash.

But to correct myself: This 5€ break even is on a macroeconomic level on all parties. Cash is more expensive on this level when you spend more than 5€ on a single transaction.

Just one example of the other party: the end consumer also cannot get cash for free (even when he get's it free from the ATM, there are costs the bank has and maybe you pay them indirectly).