Process a cash transaction

curl --request POST \
  --url https://api.centsless.org/api/v1/transaction \
  --header 'Content-Type: application/json' \
  --header 'x-api-key: <api-key>' \
  --data '
{
  "merchant_id": "SCH-1",
  "location_id": "L1",
  "terminal_id": "REG-2",
  "subtotal_cents": 1000,
  "tax_total_cents": 73,
  "payment_method": "cash",
  "transaction_timestamp": "2026-10-25T14:05:00-04:00"
}
'

{
  "success": true,
  "transaction": {
    "id": "TXN-2026-10-25-8F360056",
    "timestamp": "2023-11-07T05:31:56Z",
    "merchant_id": "<string>",
    "location_id": "<string>",
    "store_id": "<string>",
    "terminal_id": "<string>",
    "cashier_id": "<string>",
    "state": "<string>",
    "county": "<string>",
    "city": "<string>",
    "transaction_type": "retail",
    "transaction_timestamp": "2023-11-07T05:31:56Z",
    "is_refund": true,
    "calculation": {
      "subtotal_cents": 123,
      "tax_total_cents": 123,
      "ledger_total_cents": 123,
      "cash_total_cents": 123,
      "rounding_delta_cents": 123,
      "rounding_applied": true,
      "small_total_exempt": true,
      "small_total_round_up": true,
      "refund_policy": "same_rule",
      "payment_method": "<string>",
      "cash_rounding_mode": "symmetrical_rounding",
      "jurisdiction": "US-NC",
      "jurisdiction_level": "federal",
      "jurisdiction_status": "<string>",
      "jurisdiction_legislation": "<string>",
      "jurisdiction_obligation": "obligates",
      "jurisdiction_citation": "<string>",
      "jurisdiction_tier_id": "<string>",
      "activation_state": "in_force",
      "jurisdiction_data_source": "database+registered_location",
      "state": "<string>"
    },
    "statutory_basis": {
      "jurisdiction_id": "<string>",
      "jurisdiction_level": "<string>",
      "lookup_key": "<string>",
      "legislation": "<string>",
      "session_law": "<string>",
      "citation": "<string>",
      "status": "<string>",
      "activation_state": "in_force",
      "obligation": "<string>",
      "enforcement": "<string>",
      "rounding_mode": "symmetrical_rounding",
      "tier_id": "<string>",
      "tier_citation": "<string>",
      "effective_date": "2023-12-25",
      "sunset_date": "2023-12-25",
      "local_transaction_date": "2023-12-25",
      "local_date_source": "sender_offset",
      "time_zone": "<string>",
      "conditions": [
        {
          "type": "local_adoption",
          "satisfied": true,
          "basis": "<string>",
          "note": "<string>"
        }
      ],
      "source_url": "<string>",
      "last_verified": "<string>",
      "dataset_version": "2026.10.25-r2"
    },
    "activation": {
      "state": "in_force",
      "governs": true,
      "local_transaction_date": "2023-12-25",
      "local_date_source": "<string>",
      "time_zone": "<string>",
      "effective_date": "2023-12-25",
      "sunset_date": "2023-12-25",
      "days_until_effective": 123,
      "conditions": [
        {
          "type": "local_adoption",
          "satisfied": true,
          "basis": "<string>",
          "note": "<string>"
        }
      ],
      "reason": "<string>"
    },
    "pending_rules": [
      {
        "level": "<string>",
        "lookup_key": "OK",
        "jurisdiction_id": "<string>",
        "legislation": "<string>",
        "citation": "<string>",
        "tier_id": "<string>",
        "effective_date": "2023-12-25",
        "days_until_effective": 123,
        "local_transaction_date": "2023-12-25",
        "obligation": "<string>",
        "rounding_mode": "symmetrical_rounding"
      }
    ],
    "jurisdiction_tier": {
      "tier_id": "NC-TAX",
      "tier_name": "<string>",
      "transaction_type": "<string>",
      "transaction_types": [
        "<string>"
      ],
      "rounding_mode": "symmetrical_rounding",
      "enforcement": "<string>",
      "obligation": "obligates",
      "citation": "<string>",
      "effective_date": "2023-12-25",
      "sunset_date": "2023-12-25",
      "description": "<string>",
      "applies_to": "<string>"
    },
    "location_resolution": {
      "location_id": "<string>",
      "external_location_id": "<string>",
      "method": "address_geocode",
      "confidence": "high",
      "source": "census",
      "vintage": "Public_AR_Current/Current_Current",
      "match_type": "<string>",
      "geocoded_at": "2023-11-07T05:31:56Z",
      "state_fips": "<string>",
      "state_abbr": "<string>",
      "county_geoid": "12009",
      "place_geoid": "1271900",
      "cousub_geoid": "<string>",
      "aiannh_geoid": "2430R",
      "time_zone": "<string>",
      "needs_review": true,
      "override": {
        "requested": true,
        "resolved": true,
        "method": "<string>",
        "confidence": "<string>",
        "source": "<string>",
        "latitude": 123,
        "longitude": 123,
        "state_fips": "<string>",
        "county_geoid": "<string>",
        "place_geoid": "<string>",
        "aiannh_geoid": "<string>",
        "time_zone": "<string>",
        "note": "<string>"
      },
      "zip_cross_check": {
        "registered_zip": "<string>",
        "request_zip": "<string>",
        "geocoded_zip": "<string>",
        "agrees": true,
        "note": "<string>"
      }
    },
    "local_records": [
      {
        "level": "tribal",
        "key": "FL:BREVARD:TITUSVILLE",
        "jurisdiction_id": "<string>",
        "status": "<string>",
        "activation_state": "in_force",
        "engine_supported": true,
        "instrument": "<string>",
        "evidence_tier": "<string>"
      }
    ],
    "split_tender": {
      "is_split_tender": true,
      "tender_count": 123,
      "cash_portion_cents": 123,
      "non_cash_portion_cents": 123,
      "total_after_rounding": 123,
      "tenders": [
        {
          "type": "<string>",
          "amount_cents": 123,
          "rounding_applied": true,
          "rounding_exempt_reason": "<string>",
          "rounding_delta_cents": 123,
          "rounded_amount_cents": 123
        }
      ]
    },
    "compliance": {
      "compliance_status": "PASS",
      "pass_count": 123,
      "warn_count": 123,
      "fail_count": 123
    },
    "fraud_score": 123,
    "risk_level": "<string>",
    "auditHash": "<string>",
    "previousHash": "<string>",
    "chainPosition": 123,
    "hashSchema": 2,
    "statutoryBasisHash": "<string>",
    "override_applied": true
  }
}

{
  "error": "INVALID_REQUEST",
  "message": "<string>",
  "errors": [
    "<string>"
  ]
}

{
  "error": "INVALID_REQUEST",
  "message": "<string>",
  "errors": [
    "<string>"
  ]
}

{
  "error": "INVALID_REQUEST",
  "message": "<string>",
  "errors": [
    "<string>"
  ]
}

{
  "error": "INVALID_REQUEST",
  "message": "<string>",
  "errors": [
    "<string>"
  ]
}

{
  "error": "INVALID_REQUEST",
  "message": "<string>",
  "errors": [
    "<string>"
  ]
}

{
  "error": "INVALID_REQUEST",
  "message": "<string>",
  "errors": [
    "<string>"
  ]
}

POST

transaction

curl --request POST \
  --url https://api.centsless.org/api/v1/transaction \
  --header 'Content-Type: application/json' \
  --header 'x-api-key: <api-key>' \
  --data '
{
  "merchant_id": "SCH-1",
  "location_id": "L1",
  "terminal_id": "REG-2",
  "subtotal_cents": 1000,
  "tax_total_cents": 73,
  "payment_method": "cash",
  "transaction_timestamp": "2026-10-25T14:05:00-04:00"
}
'

{
  "success": true,
  "transaction": {
    "id": "TXN-2026-10-25-8F360056",
    "timestamp": "2023-11-07T05:31:56Z",
    "merchant_id": "<string>",
    "location_id": "<string>",
    "store_id": "<string>",
    "terminal_id": "<string>",
    "cashier_id": "<string>",
    "state": "<string>",
    "county": "<string>",
    "city": "<string>",
    "transaction_type": "retail",
    "transaction_timestamp": "2023-11-07T05:31:56Z",
    "is_refund": true,
    "calculation": {
      "subtotal_cents": 123,
      "tax_total_cents": 123,
      "ledger_total_cents": 123,
      "cash_total_cents": 123,
      "rounding_delta_cents": 123,
      "rounding_applied": true,
      "small_total_exempt": true,
      "small_total_round_up": true,
      "refund_policy": "same_rule",
      "payment_method": "<string>",
      "cash_rounding_mode": "symmetrical_rounding",
      "jurisdiction": "US-NC",
      "jurisdiction_level": "federal",
      "jurisdiction_status": "<string>",
      "jurisdiction_legislation": "<string>",
      "jurisdiction_obligation": "obligates",
      "jurisdiction_citation": "<string>",
      "jurisdiction_tier_id": "<string>",
      "activation_state": "in_force",
      "jurisdiction_data_source": "database+registered_location",
      "state": "<string>"
    },
    "statutory_basis": {
      "jurisdiction_id": "<string>",
      "jurisdiction_level": "<string>",
      "lookup_key": "<string>",
      "legislation": "<string>",
      "session_law": "<string>",
      "citation": "<string>",
      "status": "<string>",
      "activation_state": "in_force",
      "obligation": "<string>",
      "enforcement": "<string>",
      "rounding_mode": "symmetrical_rounding",
      "tier_id": "<string>",
      "tier_citation": "<string>",
      "effective_date": "2023-12-25",
      "sunset_date": "2023-12-25",
      "local_transaction_date": "2023-12-25",
      "local_date_source": "sender_offset",
      "time_zone": "<string>",
      "conditions": [
        {
          "type": "local_adoption",
          "satisfied": true,
          "basis": "<string>",
          "note": "<string>"
        }
      ],
      "source_url": "<string>",
      "last_verified": "<string>",
      "dataset_version": "2026.10.25-r2"
    },
    "activation": {
      "state": "in_force",
      "governs": true,
      "local_transaction_date": "2023-12-25",
      "local_date_source": "<string>",
      "time_zone": "<string>",
      "effective_date": "2023-12-25",
      "sunset_date": "2023-12-25",
      "days_until_effective": 123,
      "conditions": [
        {
          "type": "local_adoption",
          "satisfied": true,
          "basis": "<string>",
          "note": "<string>"
        }
      ],
      "reason": "<string>"
    },
    "pending_rules": [
      {
        "level": "<string>",
        "lookup_key": "OK",
        "jurisdiction_id": "<string>",
        "legislation": "<string>",
        "citation": "<string>",
        "tier_id": "<string>",
        "effective_date": "2023-12-25",
        "days_until_effective": 123,
        "local_transaction_date": "2023-12-25",
        "obligation": "<string>",
        "rounding_mode": "symmetrical_rounding"
      }
    ],
    "jurisdiction_tier": {
      "tier_id": "NC-TAX",
      "tier_name": "<string>",
      "transaction_type": "<string>",
      "transaction_types": [
        "<string>"
      ],
      "rounding_mode": "symmetrical_rounding",
      "enforcement": "<string>",
      "obligation": "obligates",
      "citation": "<string>",
      "effective_date": "2023-12-25",
      "sunset_date": "2023-12-25",
      "description": "<string>",
      "applies_to": "<string>"
    },
    "location_resolution": {
      "location_id": "<string>",
      "external_location_id": "<string>",
      "method": "address_geocode",
      "confidence": "high",
      "source": "census",
      "vintage": "Public_AR_Current/Current_Current",
      "match_type": "<string>",
      "geocoded_at": "2023-11-07T05:31:56Z",
      "state_fips": "<string>",
      "state_abbr": "<string>",
      "county_geoid": "12009",
      "place_geoid": "1271900",
      "cousub_geoid": "<string>",
      "aiannh_geoid": "2430R",
      "time_zone": "<string>",
      "needs_review": true,
      "override": {
        "requested": true,
        "resolved": true,
        "method": "<string>",
        "confidence": "<string>",
        "source": "<string>",
        "latitude": 123,
        "longitude": 123,
        "state_fips": "<string>",
        "county_geoid": "<string>",
        "place_geoid": "<string>",
        "aiannh_geoid": "<string>",
        "time_zone": "<string>",
        "note": "<string>"
      },
      "zip_cross_check": {
        "registered_zip": "<string>",
        "request_zip": "<string>",
        "geocoded_zip": "<string>",
        "agrees": true,
        "note": "<string>"
      }
    },
    "local_records": [
      {
        "level": "tribal",
        "key": "FL:BREVARD:TITUSVILLE",
        "jurisdiction_id": "<string>",
        "status": "<string>",
        "activation_state": "in_force",
        "engine_supported": true,
        "instrument": "<string>",
        "evidence_tier": "<string>"
      }
    ],
    "split_tender": {
      "is_split_tender": true,
      "tender_count": 123,
      "cash_portion_cents": 123,
      "non_cash_portion_cents": 123,
      "total_after_rounding": 123,
      "tenders": [
        {
          "type": "<string>",
          "amount_cents": 123,
          "rounding_applied": true,
          "rounding_exempt_reason": "<string>",
          "rounding_delta_cents": 123,
          "rounded_amount_cents": 123
        }
      ]
    },
    "compliance": {
      "compliance_status": "PASS",
      "pass_count": 123,
      "warn_count": 123,
      "fail_count": 123
    },
    "fraud_score": 123,
    "risk_level": "<string>",
    "auditHash": "<string>",
    "previousHash": "<string>",
    "chainPosition": 123,
    "hashSchema": 2,
    "statutoryBasisHash": "<string>",
    "override_applied": true
  }
}

{
  "error": "INVALID_REQUEST",
  "message": "<string>",
  "errors": [
    "<string>"
  ]
}

{
  "error": "INVALID_REQUEST",
  "message": "<string>",
  "errors": [
    "<string>"
  ]
}

{
  "error": "INVALID_REQUEST",
  "message": "<string>",
  "errors": [
    "<string>"
  ]
}

{
  "error": "INVALID_REQUEST",
  "message": "<string>",
  "errors": [
    "<string>"
  ]
}

{
  "error": "INVALID_REQUEST",
  "message": "<string>",
  "errors": [
    "<string>"
  ]
}

{
  "error": "INVALID_REQUEST",
  "message": "<string>",
  "errors": [
    "<string>"
  ]
}

Authorizations

x-api-key

string

header

required

Role-scoped API key (admin, partner, merchant, auditor, readonly).

Body

application/json

merchant_id

string

required

Your merchant identifier (the external_id used at registration).

Example:

"SCH-1"

subtotal_cents

integer

required

Required range: x >= 0

Example:

1000

tax_total_cents

integer

required

Tax computed on the pre-rounded subtotal.

Required range: x >= 0

Example:

73

location_id

string

Registered location (your location_id or the internal UUID). Requires a merchant-scoped key.

Example:

"L1"

store_id

string

terminal_id

string

Example:

"REG-2"

cashier_id

string

payment_method

enum<string>

Required unless tenders is sent.

Available options:

cash,

card,

ebt,

mobile

tenders

object[]

Split tender. Amounts must sum to subtotal plus tax.

Show child attributes

transaction_type

enum<string>

default:retail

Who is paying whom. Selects the tier of a state rule.

Available options:

retail,

government_retail,

government,

tax_payment,

state_agency,

local_government,

local_agency,

school_district,

liquor,

abc_store,

gaming,

mvd_fee,

wages,

metals_recycler,

currency_exchange

transaction_timestamp

string<date-time>

The POS clock with its own UTC offset. Sets the local calendar date for activation.

Example:

"2026-10-25T14:05:00-04:00"

zip_code

string

Legacy resolution path; with location_id it is a cross-check.

Example:

"27601"

state

string

county

string

city

string

tribal

string

transaction_location

object

A mobile terminal's location for this sale. Coordinates or an address.

Show child attributes

early_adoption

boolean

Apply an enacted-but-not-yet-effective rule now; sealed as voluntary.

rounding_preference

enum<string>

Operator's method where the statute leaves the choice to the operator (Indiana).

Available options:

mandatory_round_down,

mandatory_round_up,

symmetrical_rounding

local_adoption

boolean

The paying agency's locality has adopted a local-option authority.

cash_rounding_mode

enum<string>

Available options:

symmetrical_rounding,

mandatory_round_down,

mandatory_round_up,

operator_choice,

swedish_rounding,

nearest_nickel,

nearest_cent,

nearest_dime,

none

jurisdiction

string

With cash_rounding_mode, an explicit override for testing. Sealed as manual with no statute.

Response

The sealed transaction.

success

boolean

transaction

object

Show child attributes

Overview

System

Jurisdiction

Transactions

Receipts

Overrides

Merchant settings

Tipping

Partner

Locations

Compliance and fraud

Audit

Export

Admin

Provisioning

Authorizations

Body

Response