The old N500 and N1000 notes are still not accepted as legal tender by dealers, transporters, and petrol stations in Kwara State despite the Supreme Court's decision.
Some gas stations accepted bank transfers, but others required customers to pay with straight cash.
Fuel outlets have complained about anything from slow network service to delays in receiving payment confirmations.
Petty merchants have started to adopt the federal government's cashless policy by opening bank accounts via which consumers may make payments for items, which appears to be a beneficial effect of the program.
Yet, the main issue the traders are currently facing is how to withdraw the money required to purchase more goods.
A meat trader voiced concern that since Fulani livestock dealers don't believe in bank transfers but rather in cash, she is forced to collect cash.