> This statute means that all United States money as identified above are a valid and legal offer of payment
for debts when tendered to a creditor. There is, however, no Federal statute mandating that a private business, a person or an organization must accept currency or coins as for payment
for goods and/or services.
Emphasis added is mine. US coins and currency are valid offers of payment for debts, but for most other purposes a vendor can choose what to accept. The uniform commercial code, §3-603, then states:
> If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.
Unless there are other statutes that apply (I'm not any kind of expert in this area), it sure sounds like if I make a valid offer of legal tender to an authorized agent of a creditor, and they refuse, I have satisfied the terms of the debt. So, if I owe someone $10,000 I can legally offer them one million pennies, which are legal tender under the Coinage Act of 1965 (perhaps I also should provide some form of proof that there are one million pennies in the truck so there's no dispute about that). They can also legally choose to reject it, but if they do then I no longer owe them anything.