In Bogota, well, much of the country is unbanked or underbanked. You can pay ANYTHING in cash through the ubiquitous "cash payment" officies (like Pagatodo). You give them a reference number the service gave you, and cash, and they mark your bill paid. This works for a five-dollar power bill, internet bill, evenfor as a thousand-dollar flight you booked online.
There's a paypal-like phone app, Nequi, that almost every colombian has as well, far more common than credir cards. While big stores and restaurants will accept cards, a small (and not licensed) street vendor will often have a QR code to pay by Nequi. This needs no special equipment and no special permits, apparently.
There are many signs "cash only", and many signs "cash and nequi, no cards", especially in small stores.
Nequi, however, is not available to foreigners, even to those who live in Colombia with permits. Cash is everywhere.