You Already Execute the Transaction. Centsless Supplies the Governing Rule.
Your POS already handles rounding arithmetic. Centsless answers the harder question underneath it: which rule governs this transaction, under which authority, and as of which effective date. Add that layer without rebuilding legal logic in every POS integration, across 21 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 29 states with no enacted law.
New to the category? Read what cash rounding compliance requires, and how POS rounding differs from compliance.
The Rule Complexity Your Merchants Are Navigating
21 Enacted Laws, No Uniformity
- 21 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.
Execution Stays Yours
Keep your transaction flow. Centsless supplies the governing rule and stays separate from how you execute it.
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
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 (21 enacted, 7 pending)
Nickel contingency, no date implied
Simulation-Tested at Scale
Simulated Transactions
Across 46 public Kaggle datasets
Enacted State Rules Encoded
Simulation harness exercised 10 jurisdictions exercised by the simulation harness
Audit Chain Breaks
The simulation audit log re-verified end to end
Integration Partnership
Keep your transaction flow and native rounding feature. Centsless sits alongside existing POS logic to determine the governing rule and preserve the decision behind it. Execution stays yours; authority determination does not need to be rebuilt in every POS each time a statute, effective date, agency interpretation, or denomination changes.
The platform executes the transaction. Centsless supplies the rule and evidence layer behind that action.