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Centsless is the compliance infrastructure layer for cash rounding in the post-penny economy. Penny production ceased in November 2025, and eight U.S. states have enacted cash rounding legislation - each with a different methodology and enforcement model, and no federal standard to unify them. Centsless solves this for POS vendors: integrate once through the API, and every merchant on your platform gets automatic multi-state compliance coverage with a cryptographic audit trail on every transaction.

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What the API does

Jurisdiction Resolution

Send a ZIP code or state. Get back the correct rounding rule, enforcement level, and legislation reference. Covers 33,000+ U.S. ZIP codes.

Transaction Processing

Submit a cash transaction. Receive the legally correct rounded amount, compliance certification, and fraud score in real time.

Audit Trail

Every transaction is hashed into an immutable chain. Overrides, voids, and refunds are tracked with employee attribution.

Compliance Export

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

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Enacted states

The following states have enacted cash rounding legislation as of April 2026. All six require sales tax to be calculated on the pre-rounded amount.
StateBillMethodEnforcementScope
ArizonaHB 2938Swedish roundingMandatoryAll retail cash
IndianaSB 243Three-tier operator choicePermissiveAll cash + govt taxes
TennesseeHB 1744Symmetrical (safe harbor)VoluntaryRetail cash
WashingtonSHB 2334SymmetricalPermissiveIn-person cash
New MexicoHB 291Delegated to DeptNarrowTax/MVD fees only
UtahHB 597Not prescribedNarrowAlcohol sales only
IdahoS 1350Swedish roundingPermissiveAll retail cash
OregonHB 4178SymmetricalPermissiveAll retail cash

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Integration paths

The API supports three ways to resolve the correct jurisdiction for a transaction:
  1. ZIP code — Send zip_code and the engine resolves state, county, city, and rounding rule automatically. This is the recommended path for most integrations.
  2. State/county/city — Send location components directly for explicit resolution without ZIP lookup.
  3. Explicit override — Send cash_rounding_mode to force a specific rounding method. Useful for testing and development.

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Key rules

Before you integrate, make sure your implementation accounts for these rules:
  • Cash transactions are rounded per the jurisdiction rule
  • Card transactions are never rounded
  • EBT/SNAP transactions are never rounded, regardless of jurisdiction (7 CFR 278.2)
  • Sales tax is always calculated on the pre-rounded amount
  • Every transaction receives a compliance check and fraud score
  • Every transaction is added to the immutable audit hash chain

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Getting started

Authentication

Learn how API keys work and how to authenticate requests.

Quickstart

Process your first transaction in under 5 minutes.