Retail Cash Management is a specific and highly specialized area of financial management that focuses on the efficient, secure, and cost-effective handling of physical cash (coins and notes) and, increasingly, digital payments as they flow into and through a retail business, from the point-of-sale (POS) to the bank account.

While broader Cash Flow Management deals with all inflows and outflows (inventory, payroll, debt), Retail Cash Management zeros in on the operational procedures for managing the primary source of revenue: customer payments.