A Mastercard study found that businesses are missing up to 40 per cent of their business by not offering consumers the choice to goodbye to minimum spend make payments of any size with their choice of payment form. Consumers are increasingly aggravated when they need to pay cash for smaller purchases or where there is a goodbye to minimum spend requirement, with up to 84 per cent resenting restrictions such as paying a fee for smaller transactions. The Zero Dollar Minimum campaign was introduced by Mastercard and Australian payment providers to encourage retailers to provide customers the choice to make cashless transactions with no restrictions.

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