While it is perfectly easy to pay for goods and services with credit cards and debit cards in Africa's big cities, carrying cash is a more efficient way to pay for literally anything outside main townships. US dollars are easy to exchange for local currency and most local vendors across the continent will accept dollars as payment. Even hotels, restaurants and roadside fuel stations will have no issue accepting US dollars. ATMs in Africa can be less than reliable, so it is necessary to carry enough US dollars for one's daily needs and withdraw a significant amount when one does have access to a bank or an ATM.