Simulation-tested across 1.8M+ Simulated transactions

    The Compliance Platform for Cash Rounding

    Jurisdiction-aware, deterministic cash rounding infrastructure built for U.S. merchant environments. Three coordinated modules handle every cash flow direction with full audit traceability.

    Centsless is commercial software: scoped paid pilots first, then recurring per-location subscriptions.

    POS and Merchant Portals Now Live

    Explore our demo dashboards to see how Centsless compliance infrastructure works from both the POS vendor and merchant perspective.

    POS Portal Merchant Portal
    Transaction-Aware Cash Rounding Infrastructure
    Architecture

    Built for U.S. Merchant Environments

    A lightweight middleware layer that integrates with existing POS systems without disrupting payment flows.

    Nearest nickel rounding (cash transactions only)
    No rounding applied to card or EBT tender
    EBT tender remains unrounded, as designed against 7 CFR 278.2(b)
    Refund reversal behavior exercised in the simulation harness
    Deterministic ledger integrity
    API-first, stateless processing architecture
    Three Modules

    How It Works

    Three coordinated modules for complete cash flow coverage.

    Total Rounding

    (Cash Out)

    Final cash amount rounded symmetrically to the nearest five cents, per the method prescribed by the applicable state rule. Exact ledger total preserved for tax reporting.

    Tender Normalization

    (Cash In)

    Physical cash received, normalized to nearest 5 cents. Ensures cash tender matches rounded total. Handles split tender transactions.

    Refund Normalization

    (Cash Returned)

    Symmetric refund logic mirrors original transaction rounding. Revenue-neutral over transaction lifecycle. Prevents customer arbitrage.

    Record Properties

    What You Get

    Every transaction produces verifiable, consistent results.

    Deterministic Outcomes

    Same input always produces same output. No random variation, no discretionary judgment.

    Dual Totals on Every Receipt

    Exact ledger total and rounded cash total both shown. Full transparency for customer and auditor.

    Auditable Records

    Every rounding event is written to an append-only audit log that re-verifies end to end.

    Neutrality Across Cash Flows

    Consistent rules for cash out, cash in, and cash returned. No bias toward merchant or customer.

    Processing Flow

    Transaction processing across three coordinated modules

    Transaction Input

    POS submits total

    Total Rounding

    Round final total

    Tender Normalization

    Normalize cash received

    Refund Normalization

    Normalize cash refunds

    Audit Output

    Verified result

    Interactive Demo

    See Cash Rounding in Action

    Enter any transaction to see how Centsless handles rounding. No code, no APIs, just results.

    Transaction Input

    $
    $

    Transaction Summary

    Click "Calculate" to see results
    Modules

    Three Modules. One Engine.

    Each module performs a distinct normalization function, producing verifiable outputs with full audit trail.

    Amount Due

    Total Rounding

    Ledger Normalization

    Applies deterministic rounding on the final transaction total for cash settlement.

    Cash Received

    Tender Normalization

    Input Normalization

    Normalizes incoming cash amounts to the nearest valid settlement unit.

    Refunds

    Refund Normalization

    Output Normalization

    Normalizes outgoing cash refund amounts for symmetry and auditability.

    Modules

    Three Modules in Action

    See how each execution module handles real-world transaction scenarios.

    Cash Payment

    $47.83 subtotal + $3.35 tax = $51.18

    Exact Total

    $51.18

    +$0.02

    Cash Total

    $51.20

    Deterministic • Auditable • Transaction-Aware

    Transaction Processing Stages

    Each cash transaction passes through three deterministic stages, producing verifiable outputs at each step.

    Amount Due

    Total Rounding

    1

    Cash Received

    Tender Normalization

    2

    Refunds / Cash Out

    Refund Normalization

    3
    All steps are jurisdiction-aware and audit-logged.
    Verification

    Proof and Transparency

    Every transaction produces verifiable, audit-ready records.

    Dual-Total Receipts

    Both exact and rounded amounts displayed on every receipt

    Deterministic Outcomes

    Same inputs always produce the same outputs, verifiable by any party

    Jurisdiction Snapshots

    Tax rates and rounding rules captured at transaction time

    Audit Re-verification

    Append-only audit records re-verified end to end

    How we validate the engine

    Before any pilot, the engine runs against public transaction datasets in a full simulation harness, every rounding decision checked against the statutory method for its jurisdiction.

    1.8M+

    Transactions exercised by the simulation harness

    46

    Public datasets in the harness

    11

    Execution modules exercised

    427,392

    EBT transactions exercised without rounding in the harness

    121,067

    Cash transactions rounded in the harness

    100%

    Harness decisions matching the encoded statutory method

    Integration

    Designed for POS Integration

    Centsless operates as a lightweight middleware layer. It does not modify digital payment totals, does not alter ledger records, and ensures refund reversibility. Integration is API-driven and compatible with modern POS architectures.

    No database lock-in
    No tender interference
    Reversible transaction logic
    Merchant-safe deployment model

    Ready to Integrate?

    Get in touch to learn how Centsless integrates with your platform.

    Or read the requirements first: cash rounding compliance.

    v3.2 simulation harness | 1.8M+ transactions exercised | Multi-dataset simulation completed Q1 2026