今天看到一条，说的是瑞典会先于丹麦成就无现金社会。其背后的法律基础是：

“This is possible in Sweden because even though cash is a legal tender, contract laws have a higher precedence than banking and payment laws here. If a store puts up a sign that it does not accept cash, then you, as a customer, have entered a contract or an agreement with that store that they don’t accept cash. But in other countries, like Denmark for instance, payment laws have higher precedence than contract laws. In those countries, if something is a legal tender, then according to the law a store must accept it. This is one of the key reasons why Sweden is more cashless than other countries — because of its legal framework.”

放在中国也是类似的，由于央行信用和权威在那里，人民币法要求商户必须接受人民币现金，所以商户不能拒绝现金交易，否则就是违法。

而瑞典的情况特殊，合同法高于支付法律，商户的服务条款中如果不允许现金交易，则顾客不能要求商户必须接受现金交易。