Why Cash Payments Still Cost Dairy Cooperatives So Much

Every dairy cooperative we've worked with has a story about cash. A treasurer driving an hour with a bag of notes. A farmer who waited three weeks for a payment that got delayed at the bank. A dispute over a sum nobody could agree on because the ledger entry was smudged. Cash isn't free — it carries a real, measurable cost in time, errors, and trust. In this post we break down where that cost actually shows up, and what changes when payments move from cash to direct transfer.