(CBS) -- There's an open secret to keeping the line moving at busy New York City lunch spot 'Two Forks', and owner Michael Kaplan has no problem sharing it.
"With every cash transaction, the payment process was slowing down significantly," Kaplan says.
So, cash is now off-limits at his fast-casual restaurant. It's debit or credit card only, and most customers seem to be embracing the switch.
"I never have cash on me, I always have my card on me – so for me, it's pretty much easier," says customer Alex Yanoff.
From coffee shops to larger restaurant chains, more businesses are now banning bills. Proponents say eliminating hard currency is not only faster. It also reduces the risk of robberies.
But not everyone's buying into it. Opponents argue these kind of places discriminate against people without cards, who may be on low incomes.
And in some places, efforts are underway to actually ban businesses from banning cash.
A Chicago lawmaker is pushing the City Council to make it illegal. It already is in Massachusetts.
"Not everybody has plastic," says Chicago Alderman Edward Burke.
A recent survey found only 11% of Americans chose cash as their preferred form of payment.
"I think it's sort of a way of the future. I don't use cash, it actually seems strange to use cash," says customer Bill Hunscher.
'Dos Toros Taqueria' owners Leo and Oliver Kremer say they rarely have to turn away cash-loyal customers.
"It just feels like that's where everything is going. China is there already. India is halfway there. A lot of parts of Europe are mostly cashless," Leo says.
They're ready to cash in on a cashless future.