现金收付新规施行：支付便利也包括保留选择

《人民币现金收付及服务规定》自 2026 年 2 月 1 日起施行。文件关注的核心，是让公众在适用场景中能够使用现金，并尊重合理的支付选择。

规则要落到具体场景

面对面人工服务、自助设备、线上预约后线下交付，以及完全在线的交易，并不是同一种情形。文件对现金收付、必要安排和预先说明作了区分。判断时应先看交易怎样完成，而不能仅凭门店是否装了二维码来下结论。

门店最容易忽略的环节

即使收银台名义上接受现金，缺少找零、员工不熟悉流程，或付款入口默认要求顾客使用手机，都可能让服务体验打折。

一个实用的自查方法是模拟两位顾客：一位没有可用手机，另一位遇到网络故障。从下单到交付走一遍，看看付款选择、人工协助和收据是否衔接。

与数字支付怎样配合

现金服务与移动支付可以在同一套收银流程中清楚呈现。重要的是让顾客知道可用方式，员工知道如何处理例外，后台能按不同方式记录和核对交易。具体适用义务仍应对照规定原文及实际经营场景。

线上预约后到店，与完全线上交易不同

先在网上预约、再到线下接受服务的业务，不能只因为第一步发生在手机里，就忽略后续交付场景。判断具体要求时，要还原合同和付款在哪里完成、现场是否有人提供服务，再对应原文中的分类。

自助设备也需要从顾客角度看：如果设备只展示数字入口，附近是否有清楚的说明或适当协助安排；如果顾客无法完成操作，工作人员能否解释可行的处理方式。这里的例子用于帮助识别场景，具体义务仍由规则与业务事实决定。

后台统计不应把现金交易漏掉

多种方式并行时，现金收入也应与订单、收据及交接记录对应。否则，前台解决了付款问题，后台却可能在营业统计中漏记，或让退款人员找不到原始交易。

可以将付款方式作为同一订单系统里的一个清楚字段，并为现金核对保留适合门店流程的记录。这样既能比较不同方式的使用情况，也不必把现金顾客从正常服务流程中单独“绕出去”。

China’s provisions on renminbi cash receipts, payments and services took effect on 1 February 2026. They address access to cash payment and appropriate customer choice.

Start with the transaction setting

Staffed counters, self-service equipment, online reservations with offline delivery and fully online transactions are different settings. Read the relevant arrangement and disclosure requirements for the actual transaction.

Test the experience

A counter may nominally accept cash while lacking change or trained staff. A useful service test follows a customer without a working phone from order to receipt. Repeat it with a network outage and check the available assistance.

Make payment methods work together

Cash and digital options should be clear within the same checkout flow. Staff need an exception process and the back office needs records that support reconciliation. Apply the source provisions to the specific business setting.

Follow the full delivery setting

An online reservation followed by an in-person service is not necessarily the same setting as a wholly online transaction. Identify where the service, agreement and payment occur before applying the document’s categories.

For self-service equipment, assess whether a customer unable to use the digital entry point can find understandable information or assistance. The examples identify questions; the operative rule and actual circumstances determine obligations.

Keep cash in the operating record

Cash receipts still need links to orders, receipts and staff handover records. Otherwise a convenient front-end fallback can produce missing sales or untraceable refunds in the back office.

A clear payment-method field and suitable cash-handling records allow several methods to remain part of one coherent service.