Ndola, Zambia - cash is king. (And I suspect most of Zambia) I needed cash to purchase fuel, medicine from a chemist, a local MTN SIM card at a reasonably large mall, and from the many small shops. A Physical card was needed at quite a few places including a duty free shop airside at NLA that did take card payments - the supermarket allowed payments from my smart phone wallet as did Nando’s and Hungry Lion. The ATM I was directed to (can’t 100% remember the bank but maybe BNP?) generally allowed withdrawals of up to K30,000, but I called in on a Sunday wanting K18,000 and the limit was reduced to K12,000 so I assume the machine was getting low on cash(?)
Checking into the Pullman Delhi a fortnight ago, I didn’t have a physical card handy and pushed the issue I needed to payWave and they needed to take the payment over 3 smaller charges as the payWave limit was equivalent to a nominal maximum of around $80AUD. I was prepared today and no problem when presented a physical card.