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What’s Required
Retailers must provide cash payment options, including:
- In-store payments at point of sale
- Cash on delivery services
- ATM deposits or account deposits
- Yellow check payments
Exceptions apply to online subscriptions, cross-border e-sales, and fully automated stores.
Industry Concerns
The National Trade Association’s OKSZ has criticised the law, warning it imposes unrealistic obligations on certain business types.
Key issues identified:
- Self-service stores face operational difficulties
- Parcel lockers require costly modifications
- Vending machines need security upgrades
- High conversion costs for existing cashless operations
- Potential service disruptions
The association argues the regulation overlooks the trend toward electronic payments and may cause challenges for smaller businesses.
Impact on Retail
The amendment goes against the broader European trend toward digital payments. While it ensures customers who prefer cash aren’t excluded from purchases, it creates compliance requirements for businesses that have moved to cashless operations.
Retailers must implement compliant payment systems by the July deadline.
E-commerce Challenges
Hungarian-based online retailers face particularly complex implementation hurdles, while international sellers benefit from the cross-border exemption. Local e-commerce businesses must now integrate cash-on-delivery services and account deposit systems into their platforms, potentially slowing checkout processes and increasing customer service demands.
The law effectively forces domestic digital-native companies to maintain dual payment infrastructures, creating a competitive disadvantage against foreign competitors who can continue operating cashless-only in the Hungarian market.
