Cash back

Offer your customers the added convenience of withdrawing cash in your shop when they pay by Visa.

Visa cash back logo

Display signage in your window and by the till to let your customers know you offer cash back in your shop.

Cash back can help make your customers more loyal – especially if shops nearby are not offering the service. It can also help cut cash held on your premises, and the costs of counting, insuring, transporting and banking cash.

We have a step-by-step guide on how to dispense cash back to customers who pay with a Visa Debit card.

More questions about cash back? We’ve got the answers…

Your questions answered

How to dispense cash back with Visa Debit cards

Here’s how to dispense cash to your customers who pay by Visa Debit.

Here are some tips for dispensing cash back:

  • Not every customer is eligible to receive cash back with their Visa card – it is a service on Visa Debit cards and it depends on whether the customer’s bank permits this
  • Don’t attempt to guess whether the customer’s card allows cash back. Simply process the card through your terminal and follow the prompts on the screen
  • Only dispense cash back when using an electronic terminal, not a manual imprint machine
  • Only dispense cash back to customers who make a purchase with their Visa Debit card
  • Only dispense up to the maximum cash back amount
  • Key in the purchase and cash back amount separately
  • Follow the prompts on the screen, it will tell you whether the purchase with cash back has been approved
  1. Key in the purchase and cash back amounts separately

    Sales total Cashback key amounts separately (b)

  2. Insert or swipe the card in the reader

    Follow the prompts on the screen

    Depending on your point-of-sale facilities, either you or the customer will have the card

    Insert card Swipe card

  3. Ask the customer to enter their PIN or sign the receipt

    If the customer signs the receipt, compare the signature on the receipt with that on the card

    Perform other card checks as appropriate

    Enter pin Sign receipt

  4. When prompted remove the card from the reader

    You may initial the cash back amount on the cardholder’s receipt before you give it to them. This may help in the case of a dispute

    Make sure the customer has their receipt, card and cash at the end of the sale

    Sign receipt Cashback end of sale

Cash back…your questions answered

Questions about cash back? We’ve got the answers…

  1. What is cash back?

    Cash back is a service allowing you to dispense cash to customers in your store when they pay with their Visa cards. It enables you to offer customers secure, convenient access to cash when they are doing their shopping.

  2. How does it benefit me?

    Cash back can help make your customers more loyal – especially if your competitors nearby are not offering the service. It can also help cut cash held on your premises, and the costs of counting, transporting and banking cash.

  3. Where else is cash back offered?

    Cash back was launched in the mid-1980s. It is a service offered in many countries worldwide, including Bulgaria, Czech Republic, Greece, Ireland, Italy, Poland and Slovakia. In many of these markets, Visa Europe helped to introduce cash back following demand from merchants.

  4. How can I start offering cash back?

    To sign up to offer cash back, you’ll need to contact an organisation that offers Visa card acceptance services.

    If you already have a card acceptance terminal in your store, speak to your acquiring organisation.

    If you do not already have a card acceptance terminal in your store, you may wish to check with your main bank or organisation that handles your business account.

  5. How do I dispense cash back?

    It’s easy to dispense cash back. Simply process the card in the terminal and follow the prompts on the screen. Depending on your terminal, the process is as follows:

    1. Either you or the customer inserts the chip card into the reader

    2. Follow the prompts on the screen

      Key in the purchase and cash back amount separately

    3. Ask the customer to enter their PIN or sign the receipt

      If the customer signs the receipt, compare the signature on the receipt with that on the card

    4. When prompted remove the card from the reader

      Make sure the customer has their receipt, card and cash at the end of the sale

      You may initial the cash back amount on the cardholder’s receipt before you give it to them. This may help in the case of a dispute.

  6. Are there other things I need to bear in mind when dispensing cash back to customers?

    Yes, be aware of the following:

    1. Not every customer is eligible to receive cash back with their Visa Debit card. It depends whether their bank permits this. Do not attempt to guess whether the customer’s card allows cash back. Simply process the card through your terminal and follow the prompts on the screen
    2. Only dispense cash back when using an electronic terminal, not a manual imprint machine
    3. Only dispense cash back to customers who make a purchase with their Visa Debit card
    4. Only dispense up to the maximum cash back amount
    5. Key in the purchase and cash back amount separately
    6. Follow the prompts on the screen, it will tell you whether the purchase with cash back has been approved
  7. What is the maximum cash back amount I can dispense?

    The maximum amount of cash back you can dispense is €100.

  8. Is there a minimum purchase amount to dispense cash back?

    No, there is no minimum purchase amount to dispense cash back. However, the customer must pay with their Visa card.

  9. Is it possible to dispense a higher cash back amount than the customer has spent on shopping?

    Yes, it’s possible. There is no link between how much the customer spends in the shop (on shopping) and the amount of cash back you can dispense (up to €100) per transaction.

  10. How much does cash back cost?

    The decision to charge you a fee for cash back is at the discretion of your acquiring organisation. Check with your acquiring organisation.