I’m assuming you’re asking at like a grocery store or pharmacy. They just add the amount to your total and then give you the extra back as cash. It’ll go out of your checking or savings depending on what you use for the transaction.


Example. You buy a case of soda. It's 12 dollars. You pay for the soda at the cashier, the till then asks if you want cash back. You say, yep! I want 10 dollars in cash. The system will then charge you 22 dollars. 12 for soda, and 10 dollars cash. The cashier keeps your 12 dollars for your purchase, and then hands you the 10 dollars you just withdrew from your checking account. It's essentially overcharging you so you can get a refund in cash. You can only do this with debit cards. You can't do it with a credit card* because the money on a credit card isn't yours. *Footnote: This isn't true 100% of the time. Sometimes you can withdraw cash from an ATM with a credit card. Your credit card will process this like a loan (because it is) and charge you interest fees as you pay it back.


It overcharges you and you are then paid back in cash. You essentially "buy" cash from the store dollar for dollar. They charge you 20 debit, then hand you 20 cash.


Yes, for debit card cashback at a register, it just adds the extra amount plus any fee to the total and the cashier hands over that extra amount in cash