S.2326

The Payment Choice Act of 2025 mandates that brick-and-mortar businesses accepting in-person payments must accept cash up to $500 per transaction.

The Payment Choice Act of 2025 aims to ensure that U.S. currency is treated as legal tender for purchases at brick-and-mortar businesses. It mandates that businesses accepting in-person payments must accept cash up to $500 per transaction. Exceptions apply if the business cannot accept cash due to a temporary sale system failure or insufficient cash on hand. Businesses may also avoid accepting cash if they provide a device that converts cash into prepaid cards under specific conditions. The Act prohibits businesses from charging higher prices to cash-paying customers.