The $2.20 toll can be also be paid over the phone via an 0800 number and a credit card, but she is uncomfortable with the security of that system.
"I have a PIN number or a signature to make my credit card secure when I use it ... I don't want to give out the number over the phone, who's to say they won't charge me 10 times?"
The New Zealand Transport Agency (NZTA) prefers motorists to pay online or set up online accounts, a system which has no surcharge for motorists, but Mrs Field said that discriminates against people who can't go online.
"I don't have a computer at home. I'm only just starting to learn how to use one for my job. My husband can't even work the TV remote ... we're that 'middle age' group of people who didn't grow up with computers."
She said the surcharge for paying by phone - $3.70 on top of the $2.20 toll - particularly hits people who don't have access to a computer or the ability to use one.
NZTA spokesman Stephen Town said the agency was investigating viable alternatives for people who chose to pay in cash.
He said to be viable, any alternative would involve the development of back-office systems to manage it, and any retailer would generally want to be paid for processing toll transactions.
Mr Town said there was no charge to set up an account online or to do so on 0800 40 20 20.
Accounts could be funded by a direct debit arrangement to a bank account, so no credit card details were required.
Mr Town says the location of the kiosks mean that any faults or problems can cause undesirable delays before technicians are able to repair them.
What do you think? Are you happy with the current range of ways to pay for the toll road? reporters@northernadvocate.co.nz