Cashdesks

Cash Desks are entities within the System that allow users of the System to perform operations with cash, such as Top-up via cash desk and Withdraw funds via cash desk. 

On the back office of Service Users cash desk features are divided between two types of Service Users – Accountant – for Cashdesk management and Cashier – to perform cash desk operations. 

Accountant or other Service User with relevant permissions has the following capabilities through the Back office:

• Create new cash desk 
• View the list of created cash desks 
• View details of the created cash desk
• View operations performed within the chosen Cash desk
• View Cashier details
• Add Cashier 
• Delete Cashier 
• Edit Cash Desk details
• Accept cash transactions
• Decline cash transactions
• Create cash transactions 
• View Working day 
• Close working hours

Cashiers have the following capabilities through the Back Office:

• Open working day
• Close working day
• View the list of operations performed within the working day
• Make top-up: Accept or Decline top-up request
• Make withdrawal: Accept or Decline withdrawal request
• Accept/Decline cash operations (Input, Investment, Collect)
• View transaction details

Cash Desk Use cases:

1. Cash Desk Management

Service Users with appropriate permissions (Administrator, Accountant etc.) have the ability to create cash desks and modify/view additional details about the particular cash desk, link the cashier to cash desk  (one cashier), and specify additional details about it after creation, so that they are able to view the cash desk list with parameters and filters. 

From the business perspective Cash desk – is a representation of the physical cash desk office where cashiers work.   

Use case:

• A service user with appropriate permission creates a cash desk and provides only a cashier login (required, should be able to provide existing user login or new to create user)
• The system creates a cash desk and user OR links to the cash desk existing user (users with the role Cashier should be linked to the organization with type Cash desk as it is now)
• The created cash desk has parameters (all parameters are empty after creation, except the linked cashier user) and is visible to the service user
• After the cash desk creation service user can add additional details (parameters described below) and modify it if needed

Cashiers should have access only to the cash desk to which they are linked

Service user has  the ability to specify/modify the following parameters about a particular cash desk:

• Organization – name of the business organization that owns this cash desk (info only, NOT related to technical Cash Desk organization type)
• Phone
• Email
• Country
• Region
• City
• Address (street and unit number)
• Postal code

Service user with appropriate permission is able to view the list of cash desks with the following parameters:

• Phone
• Email
• Country
• City
• Address (street and unit number)
• Portal code
• Organization (name)
• Cashiers (list of users with parameters: first and last name, numbers of working days (with this cash desk), user phone and email (that used as credentials)
• Pending requests (number of business requests in pending status for operations performed on this cash desk)
• Working hour status (current working hour (“working day” in API and code) status – open or closed)

There are the following filters available for the cash desk list:

• Working hour status (open, closed)
• Search by (organization name, cash desk address, cashiers name (first and last), phone, email – full or partial match,  it is up to developers depending on how it impacts the estimation)

API to view cash desk data by identifier

2. Cash desk Working Day management

Cashiers and other Service Users with relevant permissions can perform cash operations only within the opened cash desk Working Day. For working with a cash desk it is required to manage working days: view current day status, open or close working day.

Cash Desk working day is the day during which cash operations are possible. If the working day is closed, operations with a cash desk are not allowed.

Users with the appropriate permissions are able to open working day and initiate closing of working day. Closing of the working day should be confirmed by another user with the appropriate permissions. Cashier is not able to close the cash desk working day, which  was opened by another cashier.

3. Cash desk – Cash management

Cash management for the cash desks is used to handle balances required for everyday cash desk operations.

All cash management operations are initiated by the accountant and should be accepted by the cashier using the request identifier received in the initiation response.

4. Withdraw funds via Cash Desk

Business users are able to withdraw from their wallet via the cash desk without double accountant’s confirmation (only Cashier confirmation is required)

Option 1:

1. The business user, e.g. Individual or Merchant, chooses to withdraw via the cash desk and creates a withdrawal request
2. The service user with the appropriate permission, e.g. Accountant, approves or declines the withdrawal request
3. The service user with the appropriate permission, e.g. Cashier, accepts the approved withdrawal request and gives money to the business user

Option 2:

1. The business user, e.g. Individual or Merchant, chooses to withdraw via the cash desk and creates a withdrawal request
2. The service user with the appropriate permission, e.g. Cashier, checks the business users document (to verify ID) and APPROVES the withdrawal request after successful verification. Cashier provides notes if needed and gives money to the business user

2.2. The service user with the appropriate permission, e.g. Cashier, checks business users document (to verify ID) and DECLINES the withdrawal request (e.g. business user did not pass ID verification, etc.) and provides notes if needed

Other service users with appropriate permission (e.g. Accountant) are able to view such operations with details.

Cashier has the ability to provide the following additional parameters during withdrawal approval/decline:

• note – optional – text description
• user documents were checked at the cash desk – optional – boolean

Cashier and other service users with appropriate permission (e.g. Accountant) should be able to view these parameters in Withdrawal via cash desk operation

5. Top-up wallet via Cash Desk