I also almost always use contactless payments here. But there is one big exception. When paying in a small business such as on off license or small cafe/restaurant I will go out of my way to use cash because I want the business to keep the full margin instead of paying a visa fee.
But what if it costs the business more than the card margin to handle the cash? Eg they need a physical cash register, have to take the cash to the bank or have someone pick it up, pay for insurance for it, count it, keep change etc
