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Centsless is the compliance infrastructure layer for cash rounding in the post-penny economy. POS vendors integrate once through the Centsless API, and every merchant on their platform automatically gets the correct rounding rule for their location — with a cryptographic audit trail on every transaction.

Quickstart

Process your first jurisdiction-aware transaction in under 5 minutes.

Authentication

Learn how to get an API key and authenticate every request.

Jurisdiction Resolution

Understand how the engine resolves the correct rounding rule for any location.

API Reference

Browse every endpoint with request/response schemas and examples.

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Why Centsless

Penny production ceased in November 2025. Six states have enacted cash rounding legislation, each with a different methodology and enforcement model — and no federal standard exists. Every cash transaction in America now requires a compliance decision.

Multi-state coverage

One integration covers all enacted jurisdictions. New legislation is added automatically — no redeployment required.

Immutable audit trail

Every transaction is cryptographically hashed into a tamper-evident chain. Overrides, voids, and refunds are tracked with employee attribution.

Real-time fraud scoring

Every transaction receives a fraud score and risk level based on rounding patterns, void rates, and override behavior.

Compliance export

Export a 53-field CSV with the complete transaction lifecycle for regulatory reporting and audit evidence.

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Get started in 4 steps

1

Get an API key

Contact Centsless to obtain sandbox credentials. Sandbox keys are rate-limited to 1,000 requests/hour.
2

Make your first call

Send a transaction with your merchant ID, amounts, payment method, and a ZIP code. The engine handles jurisdiction resolution automatically.
3

Review the response

The response includes the legally correct rounded amount, compliance status, fraud score, and audit hash — all in one call.
4

Go live

When you’re ready for production, contact Centsless to promote your integration. Production keys support 10,000 requests/hour.

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Enacted states

StateBillMethodEnforcement
ArizonaHB 2938Swedish roundingMandatory
IndianaSB 243Three-tier operator choicePermissive
TennesseeHB 1744Symmetrical (safe harbor)Voluntary
WashingtonSHB 2334SymmetricalPermissive
New MexicoHB 291Delegated to DeptNarrow
UtahHB 597Not prescribedNarrow
All six states require sales tax to be calculated on the pre-rounded amount. Centsless handles this automatically.