您知道这句话 - 货币使世界变得“圆”。如今，有许多不同的付款方式可以使世界旋转。但是，有些企业更喜欢将客户付款限制为现金。仅现金企业会堵塞现金流量吗？

什么是仅现金企业？

A cash-only business operates on cash transactions. Cash-only businesses only accept cash from customers. An all-cash business generally does not accept checks, debit or credit cards, money orders, credit, or mobile wallets. And, a cash-only business might primarily use cash to pay vendors.

But, can a business only accept cash? Yes, running a cash-only business is a viable option for entrepreneurs. There are no federal laws saying you must accept other payment methods from customers.

Limiting customer payments to cash is common in some industries. Examples of cash-only businesses include:

• Restaurants
• Coffee shops
• Street vendors
• 草坪服务
• Babysitters
• Vending machines
• 自助洗衣的费用

Some types of businesses, like the ones above, rarely accept credit cards. This means customers won’t be blindsided by having to pay cash.

优点and cons of a cash-only business

Keep in mind that there are benefits and downsides to limiting transactions to cash. Before deciding to operate an all-cash company, weigh these pros and cons.

优点

Accepting credit card payments for small business能承受得起。对于一些小公司,accepting multiple payment options isn’t a priority. You might choose to only accept cash because of factors like the price of your products, number of employees, and credit card fees.

Here are some benefits to running a cash-only business.

1.您没有信用卡费用

For small businesses with low-priced products, credit card fees can be crippling. You may not want to将信用卡费用转嫁给客户or foot the bill yourself.

If you accept credit cards, you need to set up a merchant account, buy or rent processing equipment, and pay credit card fees each time a customer makes a purchase.

当客户给您现金时，您不会支付额外的费用。

Accepting only cash payments simplifies your responsibilities when it comes to setup. However, you must record cash transactions in your accounting books.

2. You receive money immediately

Choosing to accept only cash puts money in your register immediately. You don’t need to worry about when or if customers will pay you.

Businesses that extend credit to customers generally don’t receive payments until weeks after the time of purchase. And, chasing down customers who won’t pay can be frustrating and fruitless.

3. There is no risk of chargebacks

当您仅接受现金时，您无需担心信用卡欺诈。信用卡欺诈始终是接受信用卡付款的企业的关注点。

Credit card fraud costs you time and money because it can lead to chargebacks. Chargebacks are when a bank or credit card provider demands that a merchant refund money to a credit card holder.

退款可以是合法的或欺诈的。通过将您的付款方式限制为现金，您无需担心chargeback fraud.

Cons

Despite some benefits of cash-only businesses, limiting forms of payment to cash can hurt your company.

Themajority of consumers (77%)更喜欢使用借记卡和信用卡。这个数字继续增长。经营仅现金业务可能会使很大一部分消费者从您那里购买。

这是仅接受现金支付的一些缺点。

1.对客户和您的底线可能不便

Maybe you’ve eaten dinner at a mom and pop restaurant. When you went to pay, the cashier told you they don’t take cards. You ran across the street to an ATM only to receive an unexpected withdrawal fee.

Inconvenient, right?

Accepting only cash can be just as inconvenient for your customers and prevent you from making a sale. And if a customer doesn’t have cash on hand, they might not want to come back to your business.

不鼓励大量购买，而是经营仅现金业务可能会阻止他们。我们都知道，阻止销售直接导致现金流缓慢。

2. Accepting only cash can be a security risk

仅接受现金的另一个缺点是增加的安全风险。在您的业务中保留大量现金可以使您盗窃。

When you accept only cash, you end up with large amounts of cash in the register at the end of the day. Your property might become a target to thieves, especially if you promote the fact that you are a cash-only business on your storefront.

仅接受现金也可以使您暴露于员工盗窃案。与信用卡和借记卡不同，员工可以从登记册中赚钱。

In addition to theft, you run the risk of accepting counterfeit money when you run a cash-only business.

3. You are more at risk for an IRS audit

Running a cash-only business means you have to count all the cash by hand. That makes it harder to stay organized.

Cash-only business tax evasion is easier because there isn’t an audit trail for your records.

芭芭拉·威尔特曼（Barbara Weltman），客座博客作者小型企业管理（SBA），说：“现金企业被怀疑忽略收入，因为他们可以；几乎没有纸条。”

仅接受现金可以是IRS审计危险信号，表明您可能不会对收入缴税。

How to run a cash-only business

Running a cash-only business means you need to take extra precautions.

您的客户应该立即知道您只接受现金，而您的员工应谨慎处理现金。另外，您必须保留accounting booksin tip-top shape. And, you need to file the appropriate forms with the IRS.

If you decide to run an all-cash business, take a closer look at the following tips.

1.通知您的客户

在您的业务周围悬挂标志，让客户知道您不接受借记卡或信用卡。如果客户在您的商店里度过一个小时，去用信用卡付款，并得知他们需要现金，他们可能会感到恼火。

And, include a disclaimer on your company’s website or social media accounts that you only accept cash. That way, consumers know that they need to withdraw cash before going to your business.

2.培训您的员工

您的员工知道如何正确处理现金吗？您的员工诚实和可靠吗？

要求员工在开始工作之前接受培训。教员工how to tell if money is fake.

雇用新工人时要格外小心。无论您是否经营全现金业务，都必须对候选人进行背景调查。详细介绍账单上的安全功能，例如美联储密封，凸起的印刷和微图。而且，您可能会考虑投资耗材，以帮助员工发现伪造账单，例如伪造的侦探笔。

确保员工在收到现金付款时不会分心。否则，他们可以给客户提供错误的变化。

您希望您的员工在道德上是合理的，但是事情发生了。检查以确保您的员工不会从登记册中获取任何现金。您可以每天亲自平衡现金与寄存器胶带来做到这一点。

3. Keep thorough records

Accepting only cash can lead to a lack of records. You don’t have signed receipts or electronic statements that come from swiping credit cards. Instead, you need to record the:

• Date
• Amount
• Item or service sold

确保保留每个客户收据的副本以获取您的记录。

保持清晰的记录会在计算总收入时变得容易。而且，详尽的记录可以帮助您保护您的审核。

The IRS is on high alert when businesses operate as cash only. If the IRS audits you as a cash-only business, don’t panic. The IRS offers anAudit Techniques Guide(ATG) for cash-only businesses.

4. Follow IRS rules

The IRS requires you to fill outForm 8300如果客户通过一笔交易或两次或多个相关交易支付超过10,000美元的现金。

Enter the customer’s information, a description of the transaction, and information about your business on Form 8300.

在收到大笔现金付款后的第15天之前，以电子方式或通过邮件表格表格。并且，请确保您向交易后1月31日之前在表格8300上姓名的客户提供书面声明。

仅现金业务替代方案

为了打击与经营现金业务相关的负面因素，请考虑扩大您接受的付款类型。

许多成功的企业接受各种付款方式，包括现金，信用卡和借记卡，信用和支票。为了跟上趋势，请考虑接受移动钱包付款。

You can require customers to spend a certain amount to use alternative payment methods. For example, customers may need to spend at least $15 to pay by card.

如果您经营仅现金业务，请不要忘记记录会计书中的交易。通过爱国者的在线跟踪您的现金vwin158 . Record customer payments, generate financial statements, and more. Get your自我guided demonow!

This article has been updated from its original publication date of 12/8/2016.

This is not intended as legal advice; for more information, pleaseclick here.