Send the Transaction Context. Receive the Calculated Result and Its Rationale.
Your POS does not need to work out the rounding outcome on its own. Centsless resolves which supported rule governs the transaction, under which authority and as of which effective date, calculates the result and returns the evidence behind it. Add that capability without rebuilding legal logic in every POS integration, across 23 states with at least one enacted cash-rounding authority, including California's enacted merchant framework and separate local-agency authority, 7 states with cash rounding legislation introduced or advancing but not yet enacted, and 27 states with no enacted law.
Prefer email? pilot@centsless.org
New to the category? Read what cash rounding compliance requires, and how POS rounding differs from compliance.
The Rule Complexity Your Merchants Are Navigating
23 Enacted Laws, No Uniformity
- 23 states with at least one enacted cash-rounding authority, including California's enacted merchant framework and separate local-agency authority, 7 states with cash rounding legislation introduced or advancing but not yet enacted
- Arizona: Swedish rounding required when one-cent coins are unavailable, other methods prohibited (HB 2938)
- Connecticut: rounding permitted inside a prescribed total-price method, totals of four cents or less exempt (PA 26-128)
- Florida: permitted for sales tax dealers once the one-cent piece is no longer in production (SB 1074)
What Your Merchants Are Facing
- Exposure from rounding inconsistent with the applicable state rule
- State-level enforcement mechanisms that differ by jurisdiction
- Consumer protection questions where no statutory shield exists
The Build vs. Partner Decision
- Encoding and testing each state rule in-house
- Ongoing regulatory monitoring required
- Ongoing rule maintenance remains an internal responsibility
A Complement to Native POS Rounding
Rule Maintenance
We maintain the jurisdiction rules. Your team does not track legislative changes or re-encode state methods.
Revenue Share Model
A new revenue line from your existing merchant base. Commercial structure is set per partnership.
Payments Stay Yours
Centsless returns the calculated result. Your platform applies it within its payment or checkout workflow.
No Duplicated Logic
One rule layer instead of re-encoding jurisdiction logic in every deployment, so state-by-state legal detail does not have to live in your codebase.
Decision Provenance
Each decision carries the authority, rule version, transaction context, and adjustment behind it, so the outcome can be traced back later.
Maintain Rule Logic Internally or Add a Shared Layer
| Capability | Internal Build | Centsless |
|---|---|---|
| Jurisdiction Rules | Your team encodes each state | We maintain the rules |
| Ongoing Maintenance | Your engineers | Central rule updates |
| Regulatory Monitoring | Your compliance team | Tracked and applied for you |
| Multi-Jurisdiction | Manual config | Automatic detection |
| Evidence Record | Define and maintain internally | Rule and transaction context designed for review |
| Future Denominations | Architecture-dependent | Designed for versioned denomination rules |
Integration Built for POS Platforms
Illustrative only. The integration is designed to support rule resolution and decision provenance; the response shape is confirmed during scoping and is not a published API contract.
// Rule resolution call, illustrative
const result = await centsless.processTransaction({
amount: 14.52,
location: { state: 'FL', zip: '33607' },
paymentMethod: 'cash'
});
// Illustrative response:
// {
// rounded: 14.50,
// method: 'symmetric',
// jurisdiction: 'FL'
// }Flexible Commercial Models
Designed for platforms, processors, and enterprise partners. Commercial structures include:
API-based pricing (per transaction or location)
Revenue share arrangements
Volume-based licensing
Partnership inquiries: partnerships@centsless.org
Today's Five-Cent Rule May Not Be Tomorrow's Rule
This transition may not stop at the penny. Our own research declines to forecast the nickel's elimination and notes that the dominant federal effort points toward preserving the coin. Centsless is designed so that if a denomination changes again, the same engine applies the new increment. That is a roadmap position, not a prediction.
Penny phase-out (23 enacted, 7 pending)
Nickel contingency, no date implied
Validation & Evidence
Enacted Frameworks Tracked
Research record: 17 enacted frameworks explicitly classified with a symmetric base rounding rule, excluding transaction-dependent methods; small-total exceptions still apply. North Carolina has different retail and tax-collection methods. Utah's liquor-sector authority is outside this framework denominator. Tracking does not imply executable engine support for each.
Demonstration Audit Chain Breaks
Observed in internal simulation testing. Not an independent audit or certification.
Integration Partnership
Keep your transaction flow and native rounding feature. Centsless sits alongside existing POS logic to determine the governing rule, calculate the rounding result and preserve the evidence behind it. Your platform applies the returned result within its checkout workflow; authority determination does not need to be rebuilt in every POS each time a statute, effective date, agency interpretation, or denomination changes.
Sales and demos: sales@centsless.org
Centsless supplies the calculated result and the evidence behind it. The platform applies the returned result within its payment or checkout workflow.