Who Accepts Bitcoin in 2020? (Top Companies) - CoinDiligent

Bitcoin - The Currency of the Internet

A community dedicated to Bitcoin, the currency of the Internet. Bitcoin is a distributed, worldwide, decentralized digital money. Bitcoins are issued and managed without any central authority whatsoever: there is no government, company, or bank in charge of Bitcoin. You might be interested in Bitcoin if you like cryptography, distributed peer-to-peer systems, or economics. A large percentage of Bitcoin enthusiasts are libertarians, though people of all political philosophies are welcome.
[link]

BTCbase: A growing database of merchants who accept bitcoin as payment.

BTCbase is a subreddit specifically created for building a database of online and storefront merchants who accept bitcoin.
[link]

Greater Raleigh/Durham Bitcoiners

Promoting Bitcoin awareness and adoption in the Raleigh/Durham/Chapel Hill areas of North Carolina.
[link]

What shopping cart plugins/widgets/apps do you know of which A) let merchants accept multiple cryptos, B) pay out in a crypto other than Bitcoin, C) don't require a bank account/ID? Episode research, thanks!

submitted by The_Daily_Decrypt to dogecoin [link] [comments]

Which online merchants don't accept bitcoin that you think should?

I would like to know which online merchants or services you have come across that did not have a bitcoin option in checkout that you expected would or you wish had?
submitted by stpay to Bitcoin [link] [comments]

03-15 07:03 - 'Except Dash, which has 2500 registered merchants in Venezuela: [link] / A fast food chain actively accepting Dash: [link] / Who gives promotions for spending Dash: [link] / And a bunch of other places: [link] [link] [link] [...' by /u/BFWookie80 removed from /r/Bitcoin within 17-27min

'''
Except Dash, which has 2500 registered merchants in Venezuela: [link]1
A fast food chain actively accepting Dash: [link]2
Who gives promotions for spending Dash: [link]3
And a bunch of other places: [link]4 [link]5 [link]6 [link]7 [link]8
The Dash wallet can also make InstantSend payments which clears in 1-2 seconds
And very soon InstantSend will be turned on by default for over 90% of transactions so you won't even need to use the Dash wallet and your TX will clear in less than 2 seconds. [link]9
Auto InstantSend to be activated imminently: [link]10
And it's still actively being used in Venezuela despite power outages via GSM with an in country service called DashText: [link]11
There's also a donation service up to give locals mobile top-ups via Bitrefil who have also reduced their prices to help Venezuela and are actively working on integrating DashText so that locals can buy top-ups from Bitrefil via sms: [link]12
So go support some Venezuelans: [link]13
'''
Context Link
Go1dfish undelete link
unreddit undelete link
Author: BFWookie80
1: d*shnews.org/*ash-ac*e**i**-me*chants-in-vene*u**a-p*s*-2*00-as-co*ntry*claim*-1**n-*alle**dow**oad*/ 2: y*ut*.be/S5gz*G*u*BQ 3: *outu.*e/**MvW*x5ImI 4: y*utu.*e/SsfmM*I3M** 5: y***u.*e/pkDE1j*TgaA 6: you**.b*/fwm*q*flIm4 7: y*utu.be/*oJ7ae*I**Q 8: youtu.*e/Chfmh*NF*** 9: dashn*w*.org/*a*h-re**as*s*hist*ric*0-1*-u*d*te***th*defaul*-instan**end*p*iv*cy-impro*ements-mas*e*no*e-overha*l/ 10: *ww.reddit*com/r*d*shpa*/c*mment**az7dnc/au*oi*st*ntsend_a*a_sp**k_*5****iv*tion*ap*il_2nd* 11: dashnews.*r*/*ash-t**t-ve*ezuelan*sm***al*e*-c*ntinu*s*to-wo*k-*e*pite-blacko**/ 12: d*sh*ew**or***it**fi**-reduces-prices-on-ve***u*lan-vo**hers-w*rks-wi*h*dash-tex*-t*-ci**umven*-blac*outs/ 13: *witte*.c*m/*ash_text/st**us/11058713*6*756*3*9*?s**9
Unknown links are censored to prevent spreading illicit content.
submitted by removalbot to removalbot [link] [comments]

What shopping cart plugins/widgets/apps do you know of which A) let merchants accept multiple cryptos, B) pay out in a currency other than Bitcoin, C) don't require a bank account/ID? Episode research, thanks!

submitted by The_Daily_Decrypt to dashpay [link] [comments]

Which online merchants don't accept bitcoin that you think should? /r/Bitcoin

Which online merchants don't accept bitcoin that you think should? /Bitcoin submitted by BitcoinAllBot to BitcoinAll [link] [comments]

Showerthought: One of the best use cases for running a full node is a merchant who accepts bitcoin *and doesn't immediately convert to fiat*. NullC and company consider "payments" a second class citizen. Or even third. Which means ultimately they are worse for decentralization.

Let me be a bit more specific: If you are a merchant and you use coinbase or bitpay to convert your bitcoins into dollars you don't generally run a full node because you are relying on those companies to do it for you. However, if you accept bitcoin and KEEP bitcoin as a merchant you have the most incentive of anyone to run a full node. NullC and blockstream don't actually believe in bitcoin as a payment system. I'm too lazy to go through nullc's posting history but I can tell you that he has basically said this before:
We already have payment systems that work with credit cards. bitcoin isn't meant to compete with that.
That's a problem because as you would know if you have ever listened to andreas... a payment system with bitcoin is a win for merchants and it is a win for consumers. It is a win for consumers because they SHOULD be charged less since the merchant should charge less because they don't have to deal with chargebacks and credit card fees. Also the information from a bitcoin transaction is not reusable whereas a credit card is. That makes it more secure because merchants don't have to store sensitive information and if they are hacked your payment details will not do them any good since bitcoin is "push" rather than "pull".
Ultimately what it boils down to is that in order to encourage the most nodes we need to encourage the best use case for nodes and that is merchants that accept bitcoin and don't convert to fiat.
Guess what is better for merchants? If there aren't typical 24 hour long backlogs and humongous fees on the network that make paying with bitcoin impractical.
It is true to an extent that the bitcoin network could grow so fast that it technically can't keep up with the demand and transaction prices will inevitably rise anyway. But for the time being.... it is certaintly within the means of the network to handle much more than there is currently. When people speak of segwit and say it is already 4 MB which is the max the network can handle: First the 4MB is already an old number, it is probably a biased number, and the 4 MB is not real world conditions. It is unlikely the network would suffer not-real-world conditions for very long. That means already segwit + a 2 MB hard fork is what the network could handle a long time ago.
TLDR: nullc @ all discourage bitcoin as a payment competitor to credit cards which discourages the largest use case there is for running a full node.
submitted by specialenmity to btc [link] [comments]

Which Vancouver merchants still accept bitcoin?

Sweet Tooth Cafe no longer accepts it, India Gate only accepts it when the owner is in (mornings and afternoons) and Central Bistro accepts but asks you to call ahead of time before you dine.
Does anyone know of any more merchants that are still currently accepting Bitcoin?
submitted by Ruth-Less to vancouver [link] [comments]

Showerthought: One of the best use cases for running a full node is a merchant who accepts bitcoin *and doesn't immediately convert to fiat*. NullC and company consider "payments" a second class citizen. Or even third. Which means ultimately they are worse for decentralization. /r/btc

Showerthought: One of the best use cases for running a full node is a merchant who accepts bitcoin *and doesn't immediately convert to fiat*. NullC and company consider submitted by BitcoinAllBot to BitcoinAll [link] [comments]

What shopping cart plugins/widgets/apps do you know of which A) let merchants accept multiple cryptos, B) pay out in a currency other than Bitcoin, C) don't require a bank account/ID? Episode research, thanks!

submitted by The_Daily_Decrypt to CryptoCurrency [link] [comments]

Just made my first LTC purchase and got this classy shirt! How is Litecoin not accepted more by merchants? 2.5 min block times and low tx fees compared to 10 min from Bitcoin Cash which has no segwit+LN. Seems like Litecoin is better for businesses...

Just made my first LTC purchase and got this classy shirt! How is Litecoin not accepted more by merchants? 2.5 min block times and low tx fees compared to 10 min from Bitcoin Cash which has no segwit+LN. Seems like Litecoin is better for businesses... submitted by ImagesOfNetwork to ImagesOfTexas [link] [comments]

I accept Bitcoin for IT consulting/support services, to which merchant lists can I add my site/company?

I've been offering my humble IT/web/consulting services in the Anchorage/Mat-su region of Alaska for years and have been accepting bitcoin since my coinbase verification passed earlier this year.
What are the best - or most relevant - merchant lists where I can add My Portfolio Site?
Thanks in advance, you sexy beasts.
EDIT: Apparently I'm the FIRST bitcoin entry in all of Alaska on coinmap.org!
submitted by the_tip to Bitcoin [link] [comments]

Bitcoin mentioned around Reddit: What shopping cart plugins/widgets/apps do you know of which A) let merchants accept multiple cryptos, B) pay out in a currency other than Bitcoin, C) don't require a bank account/ID? Episode research /r/dashpay

Bitcoin mentioned around Reddit: What shopping cart plugins/widgets/apps do you know of which A) let merchants accept multiple cryptos, B) pay out in a currency other than Bitcoin, C) don't require a bank account/ID? Episode research /dashpay submitted by BitcoinAllBot to BitcoinAll [link] [comments]

Any online merchants currently accepting bitcoin for merchandise - which payment system do you use?

I'm looking to integrate bitcoin as a payment method and found a list of payment processors here: https://en.bitcoin.it/wiki/List_of_payment_systems looking for any experienced vendors that may have used or are currently using any of these
I used to be up to speed about a year ago on bitcoin, but never on the merchant side of things. Any advise is appreciated.
submitted by Level_Up_Vapor to Bitcoin [link] [comments]

Which merchants will accept Bitcoin in 2014. One BD pro's presentation on likely early adopters.

Which merchants will accept Bitcoin in 2014. One BD pro's presentation on likely early adopters. submitted by twobitidiot to Bitcoin [link] [comments]

Is there a service out there which lists all different online merchants which accepts bitcoin?

... And offline. In categories.
submitted by P43R0 to Bitcoin [link] [comments]

which are the largest merchants accepting bitcoin so far?

i am trying to write a blog entry and would be curious which ones are the largest... the most trustworthy in a sense
submitted by bitcoinrider to Bitcoin [link] [comments]

Any online merchants currently accepting bitcoin for merchandise - which payment system do you use? /r/Bitcoin

Any online merchants currently accepting bitcoin for merchandise - which payment system do you use? /Bitcoin submitted by BitcoinAllBot to BitcoinAll [link] [comments]

0.12.8.9457 Content Discussion and Questions Megathread

https://forum.escapefromtarkov.com/topic/139581-patch-notes-for-01289457/
Please post all questions related to the new update in this thread.
NOTE: There will be no wipe with 12.8
Added:
New equipment:
New weapons and weapons parts:
Quality of Life changes:
Optimization
AI improvements:
Fixed:
Changed:
submitted by bobbypower to EscapefromTarkov [link] [comments]

Preliminary patch notes for 12.8 patch!

Added:
New equipment:
New weapons and weapons parts:
Quality of Life changes:
Optimization
AI improvements
Fixed:
Changed:
The 12.8 patch will NOT be on this week! Need to polish everything!
submitted by trainfender to EscapefromTarkov [link] [comments]

/r/Monero Weekly Discussion – October 17, 2020 - Use this thread for general chatter, basic questions, and if you're new to Monero

Index

  1. General questions
  2. Wallet: CLI & GUI
  3. Wallet: Ledger
  4. Nodes

1. General questions

Where can I download the Monero wallet?

There are multiple Monero wallets for a wide range of devices at your disposal. Check the table below for details and download links. Attention: for extra security make sure to calculate and compare the checksum of your downloaded files when possible.
Please note the following usage of the labels:
⚠️ - Relatively new and/or beta. Use wallet with caution.
☢️ - Closed source.

Desktop wallets

Wallet Device Description Download link
"Official" GUI / CLI Windows, macOS, Linux Default implementation maintained by the core team. Use this wallet to run a full node and obtain maximum privacy. Integrates with hardware wallets. Current version: 0.16.0.3 / 0.16.0.3. GetMonero.org
MyMonero Windows, macOS, Linux Lightweight wallet -- you don't need to download the blockchain and run a node. MyMonero was developed with the assistance of the core team. It also has web-based and iOS versions. MyMonero.com
Exodus Windows, macOS, Linux ⚠️ / Multi-asset wallet. Exodus.io
ZelCore Windows, macOS, Linux ⚠️ / Multi-asset wallet. It also has Android and iOS versions. Zeltrez.io
Guarda Windows, macOS, Linux ⚠️ ☢️ / Multi-asset wallet. Guarda.co

Mobile wallets

Wallet Device Description Download link
Monerujo Android Integrates with Ledger (hardware wallet). Website: https://www.monerujo.io/. Google Play / F-Droid / GitHub
MyMonero iOS Website: https://mymonero.com/ App Store
Cake Wallet iOS Website: https://cakewallet.io/ App Store
X Wallet iOS Website: https://xwallet.tech/ App Store
Edge Wallet Android / iOS Multi-asset wallet. Website: https://edge.app/ Google Play / App Store
ZelCore Android / iOS ⚠️ / Multi-asset wallet. Website: https://zelcore.io/ Google Play / App Store
Coinomi Android / iOS ⚠️ ☢️ / Multi-asset wallet. Website: https://www.coinomi.com/ Google Play / App Store
Moxi / Guarda Android / iOS ⚠️ ☢️ / Multi-asset wallet. Website: https://guarda.co/ Google Play / App Store
Exa Wallet Android / iOS ⚠️ Website: https://exan.tech/ Google Play / App Store
Wookey Wallet Android / iOS ⚠️ Website: https://wallet.wookey.io/ Google Play / F-Droid / App Store
Exodus Android / iOS ⚠️ / Multi-asset wallet. Website: https://www.exodus.io/monero/) Google Play / [App Store](https://apps.apple.com/app/exodus-crypto-wallet/id1414384820

Web-based wallets

Wallet Description Link
MyMonero Web version of the MyMonero wallet. Web
Guarda Multi-asset wallet. Web

How long does it take for my balance to unlock?

Your balance is unlocked after 10 confirmations (which means 10 mined blocks). A block is mined approximately every two minutes on the Monero network, so that would be around 20 minutes.

How can I prove that I sent a payment?

The fastest and most direct way is by using the ExploreMonero blockchain explorer. You will need to recover the transaction key from your wallet (complete guide for GUI / CLI).

How do I buy Monero (XMR) with Bitcoin (BTC)?

There are dozens of exchanges that trade Monero against Bitcoin and other cryptocurrencies. Check out the list on CoinMarketCap and choose the option that suits you best.

How do I buy Monero (XMR) with fiat?

How can I quickly exchange my Monero (XMR) for Bitcoin (BTC)?

There are multiple ways to exchange your Monero for Bitcoin, but first of all, I'd like to remind you that if you really want to do your part for Monero, one of the simplest ways is to get in touch with your merchant/service provider and request for it to accept Monero directly as payment. Ask the service provider to visit the official website and our communication channels if he or she needs help with system integration.
That being said, the community has been recommending two services in particular, XMR.TO and MorphToken. These services are only recommendations and are operated by entities outside the control of the Monero Project. Be diligent.

How do I mine Monero? And other mining questions.

The correct place to ask questions and discuss the Monero mining scene is in the dedicated subreddit MoneroMining. That being said, you can find a list of pools and available mining software in the GetMonero.org website.

2. Wallet: CLI & GUI

Why I can't see my balance? Where is my XMR?

Before any action there are two things to check:
  1. Are you using the latest available version of the wallet? A new version is released roughly every 6 months, so make sure you're using the current release (compare the release on GetMonero.org with your wallet's version on Settings, under Debug info).
  2. Is your wallet fully synchronized? If it isn't, wait the sync to complete.
Because Monero is different from Bitcoin, wallet synchronization is not instant. The software needs to synchronize the blockchain and use your private keys to identify your transactions. Check in the lower left corner (GUI) if the wallet is synchronized.
You can't send transactions and your balance might be wrong or unavailable if the wallet is not synced with the network. So please wait.
If this is not a sufficient answer for your case and you're looking for more information, please see this answer on StackExchange.

How do I upgrade my wallet to the newest version?

This question is beautifully answered on StackExchange.

Why does it take so long to sync the wallet [for the first time]?

You have decided to use Monero's wallet and run a local node. Congratulations! You have chosen the safest and most secure option for your privacy, but unfortunately this has an initial cost. The first reason for the slowness is that you will need to download the entire blockchain, which is considerably heavy (+70 GB) and constantly growing. There are technologies being implemented in Monero to slow this growth, however it is inevitable to make this initial download to run a full node. Consider syncing to a device that has an SSD instead of an HDD, as this greatly impacts the speed of synchronization.
Now that the blockchain is on your computer, the next time you run the wallet you only need to download new blocks, which should take seconds or minutes (depending on how often you use the wallet).

I don't want to download the blockchain, how can I skip that?

The way to skip downloading the blockchain is connecting your wallet to a public remote node. You can follow this guide on how to set it up. You can find a list of public remote nodes on MoneroWorld.
Be advised that when using a public remote node you lose some of your privacy. A public remote node is able to identify your IP and opens up a range for certain attacks that further diminish your privacy. A remote node can't see your balance and it can't spend your XMR.

How do I restore my wallet from the mnemonic seed or from the keys?

To restore your wallet with the 25 word mnemonic seed, please see this guide.
To restore your wallet with your keys, please see this guide.

3. Wallet: Ledger

How do I generate a Ledger Monero Wallet with the GUI or CLI?

This question is beautifully answered on StackExchange. Check this page for the GUI instructions, and this page for the CLI instructions.

4. Nodes

How can my local node become a public remote node?

If you want to support other Monero users by making your node public, you can follow the instructions on MoneroWorld, under the section "How To Include Your Node On Moneroworld".

How can I connect my node via Tor?

This question is beautifully answered on StackExchange.
submitted by AutoModerator to Monero [link] [comments]

/r/Monero Weekly Discussion – October 24, 2020 - Use this thread for general chatter, basic questions, and if you're new to Monero

Index

  1. General questions
  2. Wallet: CLI & GUI
  3. Wallet: Ledger
  4. Nodes

1. General questions

Where can I download the Monero wallet?

There are multiple Monero wallets for a wide range of devices at your disposal. Check the table below for details and download links. Attention: for extra security make sure to calculate and compare the checksum of your downloaded files when possible.
Please note the following usage of the labels:
⚠️ - Relatively new and/or beta. Use wallet with caution.
☢️ - Closed source.

Desktop wallets

Wallet Device Description Download link
"Official" GUI / CLI Windows, macOS, Linux Default implementation maintained by the core team. Use this wallet to run a full node and obtain maximum privacy. Integrates with hardware wallets. Current version: 0.16.0.3 / 0.16.0.3. GetMonero.org
MyMonero Windows, macOS, Linux Lightweight wallet -- you don't need to download the blockchain and run a node. MyMonero was developed with the assistance of the core team. It also has web-based and iOS versions. MyMonero.com
Exodus Windows, macOS, Linux ⚠️ / Multi-asset wallet. Exodus.io
ZelCore Windows, macOS, Linux ⚠️ / Multi-asset wallet. It also has Android and iOS versions. Zeltrez.io
Guarda Windows, macOS, Linux ⚠️ ☢️ / Multi-asset wallet. Guarda.co

Mobile wallets

Wallet Device Description Download link
Monerujo Android Integrates with Ledger (hardware wallet). Website: https://www.monerujo.io/. Google Play / F-Droid / GitHub
MyMonero iOS Website: https://mymonero.com/ App Store
Cake Wallet iOS Website: https://cakewallet.io/ App Store
X Wallet iOS Website: https://xwallet.tech/ App Store
Edge Wallet Android / iOS Multi-asset wallet. Website: https://edge.app/ Google Play / App Store
ZelCore Android / iOS ⚠️ / Multi-asset wallet. Website: https://zelcore.io/ Google Play / App Store
Coinomi Android / iOS ⚠️ ☢️ / Multi-asset wallet. Website: https://www.coinomi.com/ Google Play / App Store
Moxi / Guarda Android / iOS ⚠️ ☢️ / Multi-asset wallet. Website: https://guarda.co/ Google Play / App Store
Exa Wallet Android / iOS ⚠️ Website: https://exan.tech/ Google Play / App Store
Wookey Wallet Android / iOS ⚠️ Website: https://wallet.wookey.io/ Google Play / F-Droid / App Store
Exodus Android / iOS ⚠️ / Multi-asset wallet. Website: https://www.exodus.io/monero/) Google Play / [App Store](https://apps.apple.com/app/exodus-crypto-wallet/id1414384820

Web-based wallets

Wallet Description Link
MyMonero Web version of the MyMonero wallet. Web
Guarda Multi-asset wallet. Web

How long does it take for my balance to unlock?

Your balance is unlocked after 10 confirmations (which means 10 mined blocks). A block is mined approximately every two minutes on the Monero network, so that would be around 20 minutes.

How can I prove that I sent a payment?

The fastest and most direct way is by using the ExploreMonero blockchain explorer. You will need to recover the transaction key from your wallet (complete guide for GUI / CLI).

How do I buy Monero (XMR) with Bitcoin (BTC)?

There are dozens of exchanges that trade Monero against Bitcoin and other cryptocurrencies. Check out the list on CoinMarketCap and choose the option that suits you best.

How do I buy Monero (XMR) with fiat?

How can I quickly exchange my Monero (XMR) for Bitcoin (BTC)?

There are multiple ways to exchange your Monero for Bitcoin, but first of all, I'd like to remind you that if you really want to do your part for Monero, one of the simplest ways is to get in touch with your merchant/service provider and request for it to accept Monero directly as payment. Ask the service provider to visit the official website and our communication channels if he or she needs help with system integration.
That being said, the community has been recommending two services in particular, XMR.TO and MorphToken. These services are only recommendations and are operated by entities outside the control of the Monero Project. Be diligent.

How do I mine Monero? And other mining questions.

The correct place to ask questions and discuss the Monero mining scene is in the dedicated subreddit MoneroMining. That being said, you can find a list of pools and available mining software in the GetMonero.org website.

2. Wallet: CLI & GUI

Why I can't see my balance? Where is my XMR?

Before any action there are two things to check:
  1. Are you using the latest available version of the wallet? A new version is released roughly every 6 months, so make sure you're using the current release (compare the release on GetMonero.org with your wallet's version on Settings, under Debug info).
  2. Is your wallet fully synchronized? If it isn't, wait the sync to complete.
Because Monero is different from Bitcoin, wallet synchronization is not instant. The software needs to synchronize the blockchain and use your private keys to identify your transactions. Check in the lower left corner (GUI) if the wallet is synchronized.
You can't send transactions and your balance might be wrong or unavailable if the wallet is not synced with the network. So please wait.
If this is not a sufficient answer for your case and you're looking for more information, please see this answer on StackExchange.

How do I upgrade my wallet to the newest version?

This question is beautifully answered on StackExchange.

Why does it take so long to sync the wallet [for the first time]?

You have decided to use Monero's wallet and run a local node. Congratulations! You have chosen the safest and most secure option for your privacy, but unfortunately this has an initial cost. The first reason for the slowness is that you will need to download the entire blockchain, which is considerably heavy (+70 GB) and constantly growing. There are technologies being implemented in Monero to slow this growth, however it is inevitable to make this initial download to run a full node. Consider syncing to a device that has an SSD instead of an HDD, as this greatly impacts the speed of synchronization.
Now that the blockchain is on your computer, the next time you run the wallet you only need to download new blocks, which should take seconds or minutes (depending on how often you use the wallet).

I don't want to download the blockchain, how can I skip that?

The way to skip downloading the blockchain is connecting your wallet to a public remote node. You can follow this guide on how to set it up. You can find a list of public remote nodes on MoneroWorld.
Be advised that when using a public remote node you lose some of your privacy. A public remote node is able to identify your IP and opens up a range for certain attacks that further diminish your privacy. A remote node can't see your balance and it can't spend your XMR.

How do I restore my wallet from the mnemonic seed or from the keys?

To restore your wallet with the 25 word mnemonic seed, please see this guide.
To restore your wallet with your keys, please see this guide.

3. Wallet: Ledger

How do I generate a Ledger Monero Wallet with the GUI or CLI?

This question is beautifully answered on StackExchange. Check this page for the GUI instructions, and this page for the CLI instructions.

4. Nodes

How can my local node become a public remote node?

If you want to support other Monero users by making your node public, you can follow the instructions on MoneroWorld, under the section "How To Include Your Node On Moneroworld".

How can I connect my node via Tor?

This question is beautifully answered on StackExchange.
submitted by AutoModerator to Monero [link] [comments]

Cash: use it or lose it!

Is this the last decade of cash?

The corona pandemic is not helping. Belgian media is picking up the Australian news about the coronavirus found active 28 days on banknotes, without understanding that the 28 days is on the Australian polymer and paper banknotes, while Euro banknotes are made of cotton fibers on which the coronavirus gets inactive rather quick. https://medicalxpress.com/news/2020-04-euro-banknotes-safe-coronavirus-ecb.html
You are touching so much in shops, including the pay terminals everyone is touching, that cash won't add much risk.

Until this year, I used to not care, and pay everything electronically.

But in March I became the victim of an identity theft. My bank account was frozen, my bank cards and payment app blocked. Opening new bank accounts or credit cards was impossible due to being on a blacklist.

My employer could not pay my salary in cash. For most professions this is forbidden by law since 2016.

Friends lent me cash. But I discovered cash was refused at supermarkets, shops, public transport, parkings, fuel stations, hospital, physiotherapist, online webshops, Uber, Deliveroo, etc. Sometimes because of corona anxiety, but often already from before 2020.

Prepaid cards could be a nice solution. But even while they are debit cards, in Belgium they seem to be refused where credit cards are refused, since they are Visa or Mastercards cards. These are refused in many Belgium places, since merchants don't like the higher costs. Not many prepaid cards allow charging with cash. And their availability is in recent decline: this year at least the following prepaid cards stopped or are announced to stop: Carrefour prepaid Flex card, BNP and Hello. The decline might be due to new very strict EU anti-money laundering laws. The anonymous prepaid cards (and generic gift cards) are now restricted to 100 euro maximum recharge in their lifetime and 50 euro payments.

Cryptocurrencies are also in theory a nice solution. But their acceptance in Belgium is extremely limited. Thanks to Takeaway accepting bitcoin, I could order delivery from many local snack restaurants.
But I discovered that bitcoin and most other cryptocurrencies, while having an "anonymous" reputation, are actually only pseudonymous and extremely open and transparent: for every transaction the origin address, destination address, amount and timestamp are recorded for eternity in a public ledger for everyone open to consult. When I buy something, the merchant can see how many coins I have in my wallet address. Buying, spending or selling coins are activities that can get your name connected to your addresses. Developers try to solve this privacy issue, but I'm afraid the war on anonymity (related to the war on cash) will crush that before cryptocurrency payments become popular.

So, my identity theft experience has awakened me: sharing your personal details in so many places caries a lot of danger. Think about it: while the law became more strict, there are still many (online) shops and restaurants taking knowledge of your credit card number, expiry date, CCV and your name. That's still enough information to do fraudulent payments in many places.

The cashless society is a surveillance society, with every payment traced. And it creates a lot of dependencies: electricity, internet, and permission by the banking and payment system. Once you are on a blacklist, even if you did nothing wrong, but somebody pretended to be you and did fraudulent payments, you are screwed for at least months.

So, now that I'm finally off the blacklist, I opened several bank accounts. That will not help for all issues, but still: having only 1 bank is really dangerous.

And from now on I pay everything possible with cash. Not just to keep my personal details safe, but also to keep the cash usage statistics high. Did you notice that the financial sector is regulary reporting the cash withdrawals decline? They report both the total amount withdrawn and the number of withdrawals.

I learned that the bank and payment processors are fighting a war on cash and they are actively lobbying the government for a reduction of the cash payment limit to 50 euro. Yes, an insane fifty euro! The banks are lazy about cash and want to impose negative rent without risking a bankrun. No cash is no bankrun. The payment processors just love the percentage they get from every payment.

Currently the acceptance of euro banknotes and coins for debts is compulsory by European law. But many merchants violated the law and we had at least one Belgian minister ignoring the enforcement. See e.g. this article from 2019: https://www.bruzz.be/samenleving/no-cash-doet-intrede-brusselse-horeca-2019-05-10.
The law has exceptions, e.g. for security reasons such as a pandemic. After the pandemic I will try to report all cash refusing merchants.
Merchants that refuse to accept cash payments can be reported at https://meldpunt.belgie.be or https://pointdecontact.belgique.be/. But I guess it is better to wait until after the pandemic.

We need to defend the right to use cash. And a crucial action to avoid the end of cash is to keep using it as much as possible.

Every time you pay with a bank card or app, you contribute to a cashless future where:
Use cash or lose it!
submitted by piabxl to belgium [link] [comments]

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