Abstract: A point of sale document transaction system (“POSDTS”) provides a wholly contained system for authenticating users and payment methods for the authorization and charging of document output via industry standard methods of Electronic Funds Transfer. The POSDTS provides self service payment and collection at an output device without need for additional back end or server systems and integrates directly into industry standard financial interfaces. POSDTS operation can be extended to include any series of production devices that can be controlled via electronic means, network protocols, or embedded software.