New research has revealed the average person will pay an extra £440 a year for goods and services, compared to those who use the internet.
In parts of Wales, one in five people have never been online.
Now, a campaign is being launched to protect consumers' rights to choose how they are contacted by banks, utility companies and other service providers.
The Keep Me Posted campaign says it is unfair to discriminate against those who can't go online, and is calling for customers to be given the choice to keep paper bills without charge.
"In my daily life I hear many concerns about the move to paperless bills and statements, but even more concerns about the right to choose being taken away from consumers.
"There is no doubt that many businesses, in their drive for greater efficiency and cost savings, have forgotten to take their customers with them on that journey."
The campaign found 41% of people would be worried about missing a payment if they weren't receiving physical reminders in the post.
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Well a fabulous day today has ended on a spectacularly soggy note for some! Heavy rain, hail and thunder will work northwards overnight!
The Talyllyn runs from Tywyn, near Aberdovey, for more than seven miles to two villages in the south Gwynedd countryside.
Homes in parts of Tonypandy and Llwynypia are without water this evening due to a burst water main at Cilfynydd.