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> Nordic and Baltic countries, even beggars have credit-card terminals

Oh, haven't seen that here (Riga). Actually I was out in the capital few days ago and people play music on streets... I can't tip them because I have no coins and they have no terminal or QR code that would lead to a page that enables tipping.

Most places have cc terminals and buying stuff from hands also support sending money to bank account instantly using only sellers phone number, but some parts are still coins only. My wallet doesn't support coins unfortunately.



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