As a small business owner, I've had to find ways to keep costs as low as possible while still providing customers with the ability to use their credit cards for payments. Many credit card processing companies are so expensive when it comes to fees that it started to feel like a losing proposition to offer this payment option.
While digital wallets are paving the way for the future of payments, you still need to assess whether or not they'll work for your business. If your target audience are less tech-savvy or you're primarily a cash-only business, it may not be worth investing too much into accepting digital payments.
As an entrepreneur, I've come across countless articles and quotes proudly telling me that I should accept failure, smile, and keep my head up. In other words, I've been told to stay positive. The thing is, when you're forced to shut down a business and let really awesome people you care about go, staying positive is the last thing on your mind.
If you don't have the time or desire to do whatever is being asked of you, say, 'no.' Even if you want to bake those cookies for your kid's fundraiser or take on a new freelancing gig, sometimes you just have to politely decline until you do have the extra time. The other party may be disappointed, but it's not the end of the world.