Is Paraguay cashless?
Cash preferred#105 of 197 in The Cashlessy Index 2026 · #22 of 35 in Americas
Short answer: Plan to use cash every day. Cards are mainly for hotels and bigger businesses.
Asuncion shops and restaurants take cards. Buses, markets and small towns need cash.
Will my card work?
In cities and tourist areas. Hotels, chains and larger restaurants in Paraguay take cards; smaller places often do not.
Do I need cash?
Yes. Cards work in some places, but you will need cash most days in Paraguay.
Local currency: Paraguayan guarani (PYG)
How does tipping work?
10% in restaurants.
Mobile payments
No widely used mobile wallets for visitors. Stick to cards where accepted, and cash.
Frequently asked questions
Is Paraguay cashless?
Paraguay scores 42/100 on Cashlessy (cash preferred), ranking #105 of 197 countries. Asuncion shops and restaurants take cards. Buses, markets and small towns need cash.
Do I need cash in Paraguay?
Yes. Cards work in some places, but you will need cash most days in Paraguay.
Are credit cards accepted in Paraguay?
In cities and tourist areas. Hotels, chains and larger restaurants in Paraguay take cards; smaller places often do not.
Do you tip in Paraguay?
10% in restaurants.
Compare with Americas
Editorial estimate, last reviewed September 2026. Payment habits change quickly; see how we score.