[user104658]

I do everything on google pay these days, the only reason I carry a card AT ALL is because fuel pumps are dragging their feet upgrading to contactless but loads of them no longer have a shop/booth, so if you don't have a physical card you can't fuel up at all!

Morrisons pumps have contactless now so it's possible and the rest will presumably upgrade over time.

Only places I pay cash is when I get a haircut because although they take card he strongly prefers the cash, and the local Chinese take-away because it's the best in the area but they don't take card or do any of the delivery apps ... I strongly suspect this is less about the extra charges, and more about tax fiddling and questionable immigration status of some of their staff ... but damnit their chicken noodle soup is amazing...