[jcfariadias]

Portugal:

P2P payments - MBWay, has taken over by storam and is the defacto method for transfering smaller amounts of money between peers. For example, rent can be payed to landlords via MBWay, cleaning lady, etc. ATMs support it to.

Almost every business allows payment with cards and the central bank is rumored to want to enforce digital payments for every business in the future.

Personally, I hardly use cash now, heck, I hardly use any cards now. I use my phone for almost all payments.

[DiogoRolo]

You still have lots of restaurants that don't accept cards, mainly outside cities. They say it's due to the cost of renting the card reader & the transaction costs but I think it's so it's easier to not declare the earnings.

[jcfariadias]

It might be the case, but "lots" is an overstatement in my opinion. I was able to pay with card even in the most remote locations within the country. The restaurants that don't accept it are usually the exception and that argument of taxes over transactions is mostly bullshit for them to be able to escape proper taxation. A customer who pays with money and doesn't ask for receipt is all profit for dishonest owners.