But while notes and coins are a practical way of carrying out some small transactions, cash payments are a cumbersome, costly and, unfortunately, sometimes a dangerous method of settling most payments, especially if the money has to be sent any distance.

• 然而，虽然在进行小笔交易时一般都用现钞、硬币支付，但是对大多数结算来说，用现金支付既不方便、费用又高，有时甚至还有风险，这风险尤其存在于异地寄送现金。