Talbragar Street Newsagency owner Peter Snare reports there have been a lot more customers using tap and go since COVID-19 hit.
He said it did not worry him either way, notes and coins, or cards.
"I'm quite happy to take cash... but tap and go is great and provides a lot of security for the shop owner or business," he said.
"There's less money to transact to take to the bank, you're not as vulnerable, your insurances are less, money in transit costs and money on hand at the shop all costs good money to have insurance for, so with it out of the way, there's a definite saving for business there, so it would be quite a common sense thing, I suppose."
Phillip Petrie, managing director of the Petrie Group which recently added the Mitre 10 at Dubbo to its stable of eight stores, said despite expecting to see a rise in digital payments in recent months, there were still a lot of customers paying with cash.
He said he felt the use of cash was higher in the older age groups, but that younger people were happy to tap and go.
From a purely business sense, it would be easier if they didn't have to manage cash, Mr Petrie said, but he raised other considerations.
"The only concern I have as a retailer is the potential for transaction costs to increase," he said.
"We will need to see the continued rise of other payment platforms to ensure competition is strong to keep costs low.
"As a consumer I think we need to be respectful of the different age groups and ensure they have comfort in being cashless."
The retailer predicted cashless would arrive but it may be "10 years to get it fully accepted across the economy".
"We may become cardless before we become cashless," he said.
Dubbo's Anna Minney sells her handmade jewellery at markets and has a bluetooth EFTPOS option for customers to make purchases.
She said she had found over time more and more people were opting to make digital payments rather than use cash.
"And I think people tend to buy a little bit more if they have the opportunity to use EFTPOS, or their credit card..." she said.
Mrs Minney said the device had been quite inexpensive, and saved the stress of having a lot of cash in a cashbox. She said she had seen EFTPOS becoming quite common and not just for people who had bigger stalls.
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