Abstract: A self-service checkout apparatus for processing items selected by a customer for purchase includes a customer operated device, such as a scanner/scale, for identifying each item selected for purchase. The apparatus also includes a self-service terminal which includes a card or cash payment accepting device, a cash dispensing device for providing a customer with cash by way of change or cashback, and an electronic controller connected to the customer operated device and arranged to determine the price of each item identified by the customer operated device. The terminal displays the total amount payable on a screen. A customer exit is normally closed by a security gate which is arranged to be opened in response to the customer making payment for the total amount. The terminal can be used to provide ATM services independently of a checkout transaction.