Abstract: A method of reducing or eliminating change in a cash transaction includes receiving a cash payment for an article or a service from a buyer; and crediting at least part of change from the cash payment due the buyer to an account of the buyer over an electronic medium. A system of reducing or eliminating change in a cash transaction includes a merchant terminal that processes a cash payment received from a buyer for an article or a service; a communication device that sends a message over an electronic medium specifying that at least part of change from the cash payment is to be credited to an account of the buyer; and a change credit apparatus that credits the at least part of the change to the buyer's account.