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Most stores aren't going to be able to sell you anything with no power, regardless of taking card or cash, because sales need to go into a database via a register, update inventory, etc. Sure a few small family run businesses, maybe restaurants, might be able to take cash, but almost no chains will be able to run and that's most stores in most places.



First days, you don't need all stores, a few is enough.

After a few days, I guarantee even the big ones will manage the inventory with pen and paper, with the blessing of the boss and the gov.

But even without all that, having the ability to have a black market in a time of crisis is priceless.


It's the network that's the problem.

In Europe, the Visa network went down in 2018. see https://www.wired.com/story/visa-outage-shows-the-fragility-...

In Canada, the Rogers network went down in July 2022 for several hours which caused debit card transactions to fail (after the outage, Interac said it was going to add a SECOND network provider - *facepalm*). Many businesses which relied on the Rogers network for credit card transactions were also affected.

from https://www.cbc.ca/news/business/rogers-outage-interac-debit...:

"Small business owners were among those hardest hit by the outage, which left them unable to process debit card payments.

Sharif Ahmed, the owner of Plantforsoul plant shop in Toronto's west end, said the outage left him feeling helpless, as he turned away customers who didn't have cash."


Home Depot has a backup generator or battery in order to still allow transactions to go through in the event of a power outage. It even ran the air conditioning. They stored the payments offline until they were able to connect online again.

What I've seen happen more often is that there is a network error and digital payments can't be processed for hours. Digital money relies on a lot more complex infrastructure than just electricity.


In my country it's required for cash registers to have a backup power enough for 48h of outage. We don't get outages that often (probably once a year or so) but the requirement is there.


On emergency situation like earthquake, it's possible to bypass every system and just exchange items to cash. Maybe write a receipt on memo paper.




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