Now even God takes credit cards

By CreditCards.com

No cash in your wallet? No problem. Today, everything from Salvation Army kettles and churches to DVD rental vending machines and subway systems will gladly take your plastic -- and more are coming on board every day.

Retailers and service providers are moving very quickly toward easy, rapid on-location payment systems. It's all about convenience, speed and ease of use. And for some businesses, that means an extra perk: People who pay with plastic tend to spend more than they would if cash were their only option.

Here are nine everyday places where plastic has replaced cash:

1. Government offices

You've been able to charge your federal tax payment since 1999, but did you know that in many locales you can now post Junior's bail with your credit card? Then, if you like, you can use the card to pay his court fines.

2. Churches

Once Junior has been rehabilitated, he can get his own credit card and go to church, where a kiosk will process his tithe. Marty Baker, the pastor of Stevens Creek Community Church in Augusta, Ga., designed a card reader for his church in 2005. He and his wife, Patty, have sold the technology to 115 other nonprofits through their company, SecureGive. The kiosks can process debit and credit payments or debit transactions only.

"Some churches have a problem with the credit card aspect," says Patty Baker, "and we respect that. . . . But it's really only a handful of them." Baker says donations and donor networks are increasing. "People who don't think about bringing their checkbook to church now have an option."

3. Vending machines

Now you can use plastic to quench your thirst, download games or buy a DVD from a vending machine. ClearSky Mobile Media launched its first integrated mobile download station in 2004, while Sony kiosks with robotic arms premiered in malls in 2006 -- all of which accept plastic payments. MasterCard, meanwhile, made Coca-Cola available by credit, with 7,500 vending machines outfitted with readers in 2007.

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4. Air travel

You might have to skip cocktails on your next flight unless you have some plastic. Nearly all major U.S. airlines accept credit. In fact, most require it for in-flight purchases. American Airlines, Southwest and United are among the newest cashless converts, while Continental, Delta and US Airways accept both cash and credit.

The cash-only holdout is Northwest, but Delta has purchased it, so expect credit there as well. Tip: Kids flying solo (and other passengers without credit) can typically purchase vouchers for drinks or meals at the ticket counter.

5. Photo-printing kiosks

Remember when you took your film somewhere to be processed and then waited three days? Well, for several years now, photo-printing services have been available either through the Internet or through a kiosk at a retailer, and you can pay by credit card. Prices are reasonable with services such as Snapfish, which offers prints for 9 cents each.

6. Salvation Army kettles

This year, even Santa may take your credit card -- if he's ringing a bell and standing next to a red kettle. In 2008, Salvation Army chapters in El Paso County, Colo., Dallas-Fort Worth and Plano, Texas, became the first in the United States to provide bell ringers with credit card kettles.

"The number of contributions made was relatively small," says a spokesman, Maj. George Hood, "but the bright side was that the average gift was higher, between $15 and $20." More markets will be tested in 2009.

7. Fast-food restaurants

Burgers, subs and fried chicken all can be had for plastic. "Quick-service restaurants have all begun to accept cards within the past 10 years, really beginning in earnest over the past five years," says Christine Elliott, a vice president with American Express.

Some customers may think it's a bit embarrassing to charge two items from Burger King's dollar menu, but plenty have done it.

8. On your phone

With the iPhone's Inner Fence application, even you can accept credit cards. If you want to sell jewelry at the fair or open a booth at the local flea market, this is your chance. It will cost you $50 for the application, plus $15 per month for a payment gateway service and $10 per month for a customer-service processing system. Maybe you should start that dog-walking business after all.

9. On the road

You can also use credit when you travel by road or rail. "During the past decade, Visa has worked to expand acceptance in a variety of new locations . . . bridges and tolls, parking meters, auto parking lots and garages, taxicabs and limousines," Visa spokesman Ted Carr said.

The Chicago Transit Authority, which already accepts credit cards, is looking at "smart" cards with computer chips allowing them to be used for transportation. The cards would also work anywhere else a credit card is accepted. And the New York Metropolitan Transit Authority wants to implement a new contactless fare payment system.

With contactless cards, you don't insert, swipe or hand over the plastic. Just tap the card, and you're done. MasterCard launched PayPass in 2002, Visa has payWave, Discover has Zip, and American Express has ExpressPay. Retailers are slowly gaining interest. In 2009, Home Depot, Sports Authority and Circle K joined in.

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This article was reported by Manya Kaczkowski for CreditCards.com.

Published Oct. 16, 2009