How to Cash a Check for a Shopper

How to Process a Check Cashing Transaction

Cashing a check involves two essential stages that must be completed together:

The Sales Transaction: You will ring up the transaction to account for the service fee and accept the check as payment.
The Pay Out: You will then perform a pay out to balance the cash drawer, accounting for the cash you gave to the shopper.

Following both stages ensures your drawer is accurate at the end of the day.

Scenario A: Check Cashing Service

This scenario is for when the shopper's only intent is to cash a check and you (cashier) charge a fee for the service.

Part 1: Process the Check Cashing Transaction

In this stage, you treat the check as a form of payment for the cash you are providing.

Example: A shopper wants to cash a $100 check, and your service fee is $5. You will give the shopper $95 in cash.

From the main screen, select the Check Cashing button.
You first need to add the cash amount you'll be giving the shopper to the cart. Enter the value of the check minus the service fee.
- Using the example, you would enter $95.
Click Add Custom Item. The amount will now appear in the cart.
Next, select the Check Cashing Fee button to add your service fee to the cart.
Select Complete Payment.
Choose Other as the payment type.
On the final payment screen, select the Check tender type to finalize the transaction.
The cash drawer will open. Give the shopper their cash ($95 in our example) and place the physical check into the drawer. Click Continue Transaction.
The payment is complete. Select Print Receipt or No Receipt to finish.

Part 2: Balance the Drawer with a Pay Out

Immediately after the transaction, you must perform a pay out. This step logs the cash that has left the drawer, ensuring your till will balance correctly.

⚠️ Caution: Do not skip this stage. If you do not perform a pay out, your cash drawer will be incorrect.

From the main screen, select the Checkout menu at the bottom.
Choose Payin & Payout from the options.
You are now in Payin & Payout mode. Select the Pay Out button.
Enter the exact amount of cash you gave to the shopper (the check's face value minus the fee).
- Using our example, you would enter $95.
Click Next.
For the reason, select Vendor. Search for and select your store's designated vendor for this process (e.g., Check Cashing Services, Check Case - Check Fee).
Click Confirm Pay Out.
A confirmation that the cash drawer has opened will appear. Click Continue.
The pay out is complete. Select a receipt option and then click Exit Mode to return to the main sales screen.

Scenario B: Overpayment by Check (Check used to pay for a purchase)

This scenario is for when a shopper uses a check to pay for a regular purchase, and the check amount is greater than the purchase total, requiring you to give them cash back (change). The system automatically handles the cash return, so no separate Pay Out is needed.

Ring Up the Items: Scan or manually enter all items the shopper is purchasing.
Go to Payment: Select the Complete Payment button.
Select Payment Type: Choose Other from the top row of payment options.
Select Check Tender: On the "Select Other Payment Method" screen, select the Check button.
Enter Check Amount: Input the specific amount of the check the shopper has provided.
Confirm Amount: Click Confirm Amount.
Verify Cash Return: A "Cash Drawer Opened" pop-up will appear, showing: Total Due, Check Amount, Return Amount
Complete Transaction: Give the shopper their cash return (change) and place the physical check in the drawer. Click Continue Transaction.
Finalize: Select a receipt option (Print or No Receipt) to finish the sale and return to the main sales screen.

💡 Note: The system logs the overpayment and return amount automatically. Since the cash returned is treated as "change" in the sale, a separate Pay Out is not required to balance your cash drawer.