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New York State Law Requiring Stores to Accept Cash Payments Takes Effect

The law bans cashless-only policies and fees for cash payments, with civil penalties up to $1,500 for violations, protecting access to essential goods.

  • On March 21, 2026 the state law takes effect requiring New York food stores and retail establishments to accept in-person cash payments.
  • Attorney General Letitia James issued a consumer alert Friday reminding New Yorkers that stores must accept cash to prevent denial of necessities like food and clothing.
  • Stores retain narrow exceptions, including no obligation to accept cash bills above $20 or for phone, mail, or internet orders unless completed in-store, and may use on-site cash-to-prepaid-card devices without fees or minimum loads above one dollar.
  • Penalties for noncompliance include civil penalties of $1,000 for a first offense and $1,500 for each subsequent violation, and consumers can file complaints online or call complaint hotline 1 771-7755.
  • By banning cashless‑only policies, the law prohibits retailers that used cashless policies from charging higher prices for cash transactions and mirrors a New York City law in effect since 2020.
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NY law now requires businesses to accept cash. What it means for shoppers

·Rochester, United States
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WGRZ broke the news in on Friday, March 20, 2026.
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