What do you mean you can’t make change for a $20?
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A cashier told me once that it was rare that I tried to pay with an actual card, as nowadays people pay with their phone when they say they want to pay with card.
Here in a lot small shops you can pay with card only if you pay more then some amount, usually more than 4-5 EUR. Afaik it’s not legal though
What convenience does a digital wallet add that a card cannot do ? isn’t a digital wallet way less safer given that mobile platforms are the least secure ?



