{"id":159127,"date":"2024-06-27T17:39:03","date_gmt":"2024-06-27T16:39:03","guid":{"rendered":"https:\/\/startups.co.uk\/?p=159127"},"modified":"2024-06-27T17:44:02","modified_gmt":"2024-06-27T16:44:02","slug":"is-paying-cash-in-hand-illegal","status":"publish","type":"post","link":"https:\/\/startups.co.uk\/payment-processing\/is-paying-cash-in-hand-illegal\/","title":{"rendered":"Is paying cash in hand illegal? The ultimate guide"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text]<span style=\"font-weight: 400\">It is legal for a business to use cash to pay staff and suppliers &ndash; and for businesses to accept cash in hand payments &ndash; so long as the payment is recorded and reported, and that any tax and National Insurance (NI) payments due are paid.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Paying wages or for products and services with cash offers some benefits for startups, but the rules for doing so are complex. It is vital that businesses understand how to apply them to cash payments in order to comply with HMRC and avoid penalties and fines.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Below, you will find out what cash in hand is, and understand the legalities of paying with cash, the penalties for paying with cash non-compliantly, the pros and cons of using cash, and how to pay employees and for products and services legally using cash.<\/span>[\/vc_column_text]\n<\/p><div class=\"form-simple\" data-eventcategory=\"feedback\" data-eventaction=\"Email-Subscribe\">\n <form target=\"_blank\" class=\"form-subscribe\" id=\"form-subscribe\">\n\n <div class=\"form-loader\">\n <div class=\"spinner-box\">\n <span class=\"spin-loader\"><\/span>\n <p class=\"form-loader-text\">Verifying<\/p>\n <\/div>\n <\/div>\n\n <div class=\"form-subscribe-info\">\n <p class=\"form-subscribe-title\">Get the latest startup news, straight to your inbox<\/p>\n <p class=\"form-subscribe-subtitle\">Stay informed on the top business stories with Startups.co.uk&rsquo;s weekly newsletter<\/p>\n <\/div>\n\n <div class=\"form-subscribe-box\">\n <div class=\"input-row input-row-text\">\n <input type=\"text\" class=\"form-control\" name=\"first_name\" placeholder=\"Name\" required>\n <span class=\"input-row-error\">Please fill in your name<\/span>\n <\/div>\n\n <div class=\"input-row input-row-email\">\n <input type=\"email\" class=\"form-control\" name=\"email_address\" placeholder=\"Email Address\" required>\n <span class=\"input-row-error\">Please fill in your email<\/span>\n <\/div>\n\n <div class=\"google-inline-captcha\">\n <div class=\"captcha-message\">\n <span class=\"btn-close\"><\/span>\n <span class=\"form-messages\"><\/span>\n <\/div>\n <\/div>\n\n <button class=\"form-subscribe-button btn\" type=\"submit\" data-eventlabel=\"https:\/\/startups.co.uk\/wp-json\/wp\/v2\/posts\/159127\">\n Subscribe <\/button>\n <\/div>\n\n <p class=\"form-subscribe-privacy-policy\">\n By signing up to receive our newsletter, you agree to our <a href=\"https:\/\/www2.mvfglobal.com\/privacypolicy\/b649e\" title=\"Privacy Policy\">Privacy Policy<\/a>. You can <strong>unsubscribe<\/strong> at any time. <\/p>\n\n <\/form>\n<\/div>\n<div class=\"jumplinks-content\">\n <h3 class=\"jumplinks-content-title\">\n This article will cover: <\/h3>\n <ul class=\"jumplinks-content-list\">\n <li class=\"jumplinks-content-item\">\n <a class=\"jumplinks-content-link jumplink-anchor\" href=\"#link-what-is-cash-in-hand\">What is cash in hand?<\/a>\n <\/li>\n <li class=\"jumplinks-content-item\">\n <a class=\"jumplinks-content-link jumplink-anchor\" href=\"#link-is-it-legal-to-pay-cash-in-hand\">Is it legal to pay cash in hand?<\/a>\n <\/li>\n <li class=\"jumplinks-content-item\">\n <a class=\"jumplinks-content-link jumplink-anchor\" href=\"#link-the-rules-and-regulations-around-paying-cash-in-hand\">The rules and regulations around paying cash in hand<\/a>\n <\/li>\n <li class=\"jumplinks-content-item\">\n <a class=\"jumplinks-content-link jumplink-anchor\" href=\"#link-how-to-pay-employees-cash-in-hand-legally\">How to pay employees cash in hand legally<\/a>\n <\/li>\n <li class=\"jumplinks-content-item\">\n <a class=\"jumplinks-content-link jumplink-anchor\" href=\"#link-how-to-legally-pay-for-products-and-services-using-cash\">How to legally pay for products and services using cash<\/a>\n <\/li>\n <li class=\"jumplinks-content-item\">\n <a class=\"jumplinks-content-link jumplink-anchor\" href=\"#link-the-penalties-of-using-cash-in-hand-non-compliantly\">The penalties of using cash in hand non-compliantly<\/a>\n <\/li>\n <li class=\"jumplinks-content-item\">\n <a class=\"jumplinks-content-link jumplink-anchor\" href=\"#link-the-pros-and-cons-of-cash-in-hand\">The pros and cons of cash in hand<\/a>\n <\/li>\n <li class=\"jumplinks-content-item\">\n <a class=\"jumplinks-content-link jumplink-anchor\" href=\"#link-verdict-should-you-pay-cash-in-hand\">Verdict: Should you pay cash in hand?<\/a>\n <\/li>\n <\/ul>\n<\/div>\n[\/vc_column][\/vc_row][vc_row][vc_column]<div class=\"jumplink-anchor-section\">\n <div class=\"jumplink-anchor-pointer\" id=\"link-what-is-cash-in-hand\"><\/div>\n<\/div>\n[vc_column_text]\n<h2>What is cash in hand?<\/h2>\n<p>Cash in hand is the process of paying in cash rather than by a form of automatic payment.<\/p>\n<p>For a small business paying staff, it means paying them in cash rather than into their bank via the PAYE system.<\/p>\n<p>Cash in hand payments can also be used to pay for products and services legally. Cash purchases should be recorded and accounted for like any other purchase.[\/vc_column_text]<\/p><div class=\"jumplink-anchor-section\">\n <div class=\"jumplink-anchor-pointer\" id=\"link-is-it-legal-to-pay-cash-in-hand\"><\/div>\n<\/div>\n[vc_column_text]\n<h2>Is it legal to pay cash in hand?<\/h2>\n<p>It is legal for businesses to pay staff cash in hand, and to pay for products and services using cash, but payments must not be made simply to reduce the amount of tax, NI, or VAT due to HMRC from the transaction.<\/p>\n<p>An employee must agree to be paid with cash and be made aware of their legal rights and entitlements, including statutory benefits. The rules regarding national minimum wage and <a href=\"https:\/\/startups.co.uk\/people\/payroll\/national-living-wage\/\">national living wage<\/a> remain valid. It is illegal to underpay an employee just because they are being paid in cash rather than by bank transfer.<\/p>\n<p>As long as a business calculates, declares, and pays the right taxes, cash in hand pay is legal.[\/vc_column_text]\n <\/p><div class=\"highlight-box\">\n <div class=\"highlight-box-decor\">\n <svg class=\"brush-stroke-svg brush-stroke-big\" preserveaspectratio=\"none\" viewbox=\"0 0 116 6\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\">\n <g stroke=\"none\" stroke-width=\"1\" fill=\"#ea0037\">\n <path d=\"M94.0845406,5.55784045 C93.4629887,5.58758734 92.7723755,5.58758734 92.2198849,5.64708111 C92.0127009,5.66195455 91.7824965,5.67682799 91.5062512,5.66195455 C89.5955547,5.58758734 87.6618377,5.5727139 85.7511411,5.67682799 C85.5669776,5.69170144 85.2446914,5.67682799 84.9914666,5.67682799 C82.8275451,5.66195455 80.6866442,5.63220767 78.4997023,5.67682799 C76.0825561,5.72144832 73.5963485,5.64708111 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C93.5273365,5.03977318 93.7081157,5.02037466 93.7081157,5.02037466 C93.7382456,5.00097614 93.5574663,4.98157762 93.3766871,4.98157762 C93.2862975,4.98157762 93.1055183,5.00097614 93.1055183,5.00097614 C93.0452585,5.03977318 93.2260378,5.03977318 93.4369469,5.03977318 Z M64.6758363,6 C64.7963558,6 64.977135,6 65.0072649,6 C65.1579143,5.98060148 64.977135,5.96120296 64.7963558,5.96120296 C64.7059662,5.96120296 64.5854467,5.96120296 64.4950571,5.98060148 C64.5553169,5.98060148 64.6155766,5.98060148 64.6758363,6 Z M90.6789362,4.03643854 C90.5885466,4.03643854 90.4680271,4.01704002 90.3776375,4.01704002 C90.1365986,4.01704002 90.0160791,4.03643854 90.1667284,4.05583706 C90.2269882,4.05583706 90.4077674,4.07523558 90.498157,4.05583706 C90.5885466,4.07523558 90.6186765,4.05583706 90.6789362,4.03643854 Z M86.2696559,4.0213508 C86.0888766,4.0213508 85.9080974,4.0213508 85.7273182,4.0213508 C85.546539,4.0213508 85.4260195,4.04074932 85.4862792,4.04074932 C85.6369286,4.04074932 85.8478377,4.06014784 86.0286169,4.06014784 C86.1792662,4.06014784 86.2696559,4.04074932 86.2696559,4.0213508 Z\"><\/path>\n <\/g>\n <\/svg>\n <\/div>\n <div class=\"highlight-box-headline\">\n \n <span class=\"highlight-box-title\">\n Case study <\/span>\n <\/div>\n \n <div class=\"highlight-box-content\">\n <p>Markus Schaal, Managing Director & COO at PC gaming company PLITCH, said &ldquo;On the plus side, you avoid credit card transaction fees. However, if you&rsquo;re not diligent, cash can lead you to some accounting issues down the line.<\/p>\n<p>&ldquo;Cash-focused businesses need safeguards: security protocols, detailed accounting, compliant payroll processes, and sound financial controls. Do that upfront and you can make cash work long-term. It&rsquo;s just about being smart from the start.&rdquo;<\/p>\n <\/div>\n <\/div>\n[vc_empty_space][\/vc_column][\/vc_row][vc_row][vc_column]<div class=\"jumplink-anchor-section\">\n <div class=\"jumplink-anchor-pointer\" id=\"link-the-rules-and-regulations-around-paying-cash-in-hand\"><\/div>\n<\/div>\n[vc_column_text]\n<h2>The rules and regulations around paying cash in hand<\/h2>\n<p>There are a number of rules to follow and get right when paying in cash, both with regards to paying employees and paying for products and services.[\/vc_column_text][vc_column_text]<\/p>\n<h3>&nbsp;Paying employee wages in cash<\/h3>\n<p>When employees are paid with cash, their rights are exactly the same as when they&rsquo;re paid electronically, and so employers must:<\/p>\n<ul>\n<li>Provide employees with payslips<\/li>\n<li>Pay employee pension contributions, holiday pay, sick leave, and other statutory benefits<\/li>\n<\/ul>\n<p>Income tax, NI, and other relevant taxes must still be paid on cash salaries, either by the employer or the employee via self-assessment (we&rsquo;ll discuss this in more detail in the section below).[\/vc_column_text][vc_column_text]<\/p>\n<h3>Paying for products and services with cash<\/h3>\n<p>If a business pays for products and services using cash, the main legal risk is that, if VAT is due, it must be paid to the supplier and accounted for in the purchasing business&rsquo;s VAT return.<\/p>\n<p>Paying for products or services using cash is entirely legal as long as the payment is treated the same as it would be using another payment method, i.e. it is recorded, reported, and any tax due is paid.<\/p>\n<p>When a business pays in cash, it must report the transaction to HMRC. If a civilian uses cash to pay a tradesperson or business, they do not have to report the transaction, but the business receiving the cash does.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]\n <\/p><div class=\"highlight-box\">\n <div class=\"highlight-box-decor\">\n <svg class=\"brush-stroke-svg brush-stroke-big\" preserveaspectratio=\"none\" viewbox=\"0 0 116 6\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\">\n <g stroke=\"none\" stroke-width=\"1\" fill=\"#ea0037\">\n <path d=\"M94.0845406,5.55784045 C93.4629887,5.58758734 92.7723755,5.58758734 92.2198849,5.64708111 C92.0127009,5.66195455 91.7824965,5.67682799 91.5062512,5.66195455 C89.5955547,5.58758734 87.6618377,5.5727139 85.7511411,5.67682799 C85.5669776,5.69170144 85.2446914,5.67682799 84.9914666,5.67682799 C82.8275451,5.66195455 80.6866442,5.63220767 78.4997023,5.67682799 C76.0825561,5.72144832 73.5963485,5.64708111 71.271284,5.73632176 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93.7081157,5.02037466 93.7081157,5.02037466 C93.7382456,5.00097614 93.5574663,4.98157762 93.3766871,4.98157762 C93.2862975,4.98157762 93.1055183,5.00097614 93.1055183,5.00097614 C93.0452585,5.03977318 93.2260378,5.03977318 93.4369469,5.03977318 Z M64.6758363,6 C64.7963558,6 64.977135,6 65.0072649,6 C65.1579143,5.98060148 64.977135,5.96120296 64.7963558,5.96120296 C64.7059662,5.96120296 64.5854467,5.96120296 64.4950571,5.98060148 C64.5553169,5.98060148 64.6155766,5.98060148 64.6758363,6 Z M90.6789362,4.03643854 C90.5885466,4.03643854 90.4680271,4.01704002 90.3776375,4.01704002 C90.1365986,4.01704002 90.0160791,4.03643854 90.1667284,4.05583706 C90.2269882,4.05583706 90.4077674,4.07523558 90.498157,4.05583706 C90.5885466,4.07523558 90.6186765,4.05583706 90.6789362,4.03643854 Z M86.2696559,4.0213508 C86.0888766,4.0213508 85.9080974,4.0213508 85.7273182,4.0213508 C85.546539,4.0213508 85.4260195,4.04074932 85.4862792,4.04074932 C85.6369286,4.04074932 85.8478377,4.06014784 86.0286169,4.06014784 C86.1792662,4.06014784 86.2696559,4.04074932 86.2696559,4.0213508 Z\"><\/path>\n <\/g>\n <\/svg>\n <\/div>\n <div class=\"highlight-box-headline\">\n \n <span class=\"highlight-box-title\">\n Case study <\/span>\n <\/div>\n \n <div class=\"highlight-box-content\">\n <p>Leo Smigel, a personal finance expert and the founder of <a href=\"https:\/\/analyzingalpha.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Analyzing Alpha<\/a>, explains his experience of accepting cash payments from customers. &ldquo;Most small businesses start out accepting cash as their main form of payment simply due to limited options and cash flow needs.<\/p>\n<p>&ldquo;Record keeping is absolutely crucial when dealing with physical money.<\/p>\n<p>&ldquo;We implemented a robust point-of-sale system at Analyzing Alpha to digitally log every transaction. This allowed us to easily reconcile daily cash totals against our sales records.<\/p>\n<p>&ldquo;I also recommend maintaining old-fashioned cash receipt books as a backup paper trail. Either way, documentation is key to avoiding audit issues down the road.&rdquo;<\/p>\n <\/div>\n <\/div>\n[vc_empty_space][\/vc_column][\/vc_row][vc_row][vc_column]<div class=\"jumplink-anchor-section\">\n <div class=\"jumplink-anchor-pointer\" id=\"link-how-to-pay-employees-cash-in-hand-legally\"><\/div>\n<\/div>\n[vc_column_text]\n<h2>How to pay employees cash in hand legally<\/h2>\n<p>Employers should calculate their employee&rsquo;s gross pay (their total earnings before deductions), then pay the employee&rsquo;s income tax, NI, and pension contributions before paying the employee the net amount (the legally correct amount after deductions) in cash.<\/p>\n<p>This ensures the employer&rsquo;s and employees&rsquo; cash in hand payments are more likely to be compliant, and that the employee receives the correct statutory benefits.<\/p>\n<p>If the employer does not take care of this and opts to pay the employee their gross wage, it is the employee&rsquo;s responsibility to register for self-assessment, report their earnings, and pay the tax and NI due. This could happen if the employee normally works as a contractor but for a specific role is treated as an employee. Another scenario when this may apply is if an employee is applying for a mortgage and wants to use their gross pay as a basis for a lender to assess what they will lend.<\/p>\n<p>There are other reporting options for employees to declare cash payments. An employee can ask their employer to enrol them into a voluntary PAYE scheme. This means income tax and NI are deducted from cash payments in a similar way to the PAYE scheme. Employees can also pay Voluntary NICs via self-assessment.<\/p>\n<p>Both employers and employees must keep meticulous and accurate records of all cash payments made and received to accurately record, report, and pay tax, NI, and other deductions. The records can be used as evidence should HMRC ever investigate the business.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<\/p><div class=\"jumplink-anchor-section\">\n <div class=\"jumplink-anchor-pointer\" id=\"link-how-to-legally-pay-for-products-and-services-using-cash\"><\/div>\n<\/div>\n[vc_column_text]\n<h2>How to legally pay for products and services using cash<\/h2>\n<p>Businesses can legally use cash to pay for goods and services, but just because the payment method has changed, it doesn&rsquo;t mean the tax status of the payment has changed.<\/p>\n<p>It is still a transaction that will attract tax in one or more forms. Paying cash in hand does not remove the obligation to record, report, and pay tax on it.<\/p>\n<p>Any business that pays for products and services using cash &ndash; and any business or individual who receives cash payments &ndash; must declare the payment to HMRC via an annual tax return. HMRC requires a transaction trail to support the reporting of cash payments.<\/p>\n<p>Cash payments can be used to entice customers as they enable you to offer reduced rates &ndash; typically because VAT, currently at 20% in the UK, is not added to the bill when it&rsquo;s paid by cash.<\/p>\n<p>In theory, this would allow a buyer to get the service 20% cheaper, and the seller or provider of the service to be able to be paid in cash without having to declare it and pay tax. However, this is illegal and is classed as tax evasion. If those involved are found guilty, they can be penalised by HMRC.<\/p>\n<p>These scenarios are one reason why cash payments can be viewed with suspicion, and why HMRC regularly investigates them.<\/p>\n<p>However, in many cases the cash payment is made for convenience, to avoid charges, or to utilise cash flow without using credit. This can be beneficial for startup businesses who may reach credit or overdraft limits but still need to facilitate business transactions.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<\/p><div class=\"jumplink-anchor-section\">\n <div class=\"jumplink-anchor-pointer\" id=\"link-the-penalties-of-using-cash-in-hand-non-compliantly\"><\/div>\n<\/div>\n[vc_column_text]\n<h2>The penalties of using cash in hand non-compliantly<\/h2>\n<p>For both employers and employees, there are penalties for not declaring cash payments made or received to HMRC. If found guilty, both could be penalised for tax evasion.<\/p>\n<p>For employees, if it can be proved that they earned enough for tax and <a href=\"https:\/\/startups.co.uk\/people\/payroll\/national-insurance-rates\/\">NI<\/a> to be due but did not make payments, they could be liable for prosecution.<\/p>\n<p>When it comes to employers who pay employees by cash, there are three main areas that can get them in trouble:<\/p>\n<ul>\n<li>Not deducting tax and NI from employees&rsquo; wages<\/li>\n<li>Paying employees less than the minimum wage<\/li>\n<li>Paying cash in hand to employees who do not have the legal right to work in the UK due to their immigration status<\/li>\n<\/ul>\n<p>The penalties for businesses are likely to be more severe, because issues are likely to apply to a number of employees, in which case the tax liability would be higher. The penalty will also depend on whether the evasion is deemed to be deliberate. Find out more about <a href=\"https:\/\/www.gov.uk\/guidance\/what-happens-if-you-dont-pay-paye-and-national-insurance-on-time\" target=\"_blank\" rel=\"noopener noreferrer\">late payment penalties<\/a> for PAYE and NI and for <a href=\"https:\/\/www.gov.uk\/self-assessment-tax-returns\/penalties\" target=\"_blank\" rel=\"noopener noreferrer\">self-assessment<\/a>.<\/p>\n<p>In most cases, where there is an accidental error or oversight, HMRC won&rsquo;t prosecute employers or employees as long as they fully cooperate with HMRC to correct the error.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]\n <\/p><div class=\"highlight-box\">\n <div class=\"highlight-box-decor\">\n <svg class=\"brush-stroke-svg brush-stroke-big\" preserveaspectratio=\"none\" viewbox=\"0 0 116 6\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\">\n <g stroke=\"none\" stroke-width=\"1\" fill=\"#ea0037\">\n <path d=\"M94.0845406,5.55784045 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C90.1365986,4.01704002 90.0160791,4.03643854 90.1667284,4.05583706 C90.2269882,4.05583706 90.4077674,4.07523558 90.498157,4.05583706 C90.5885466,4.07523558 90.6186765,4.05583706 90.6789362,4.03643854 Z M86.2696559,4.0213508 C86.0888766,4.0213508 85.9080974,4.0213508 85.7273182,4.0213508 C85.546539,4.0213508 85.4260195,4.04074932 85.4862792,4.04074932 C85.6369286,4.04074932 85.8478377,4.06014784 86.0286169,4.06014784 C86.1792662,4.06014784 86.2696559,4.04074932 86.2696559,4.0213508 Z\"><\/path>\n <\/g>\n <\/svg>\n <\/div>\n <div class=\"highlight-box-headline\">\n \n <span class=\"highlight-box-title\">\n Case study <\/span>\n <\/div>\n \n <div class=\"highlight-box-content\">\n <p>Conor Hughes, an HR consultant, explains that when working with small businesses, &ldquo;I&rsquo;ve noticed that cash payments can really help out with liquidity and flexibility. The instant nature of cash just improves cash flow, so important for any growing company.&rdquo;<\/p>\n<p>However, Hughes warns that &ldquo;if you&rsquo;re getting huge cash payments, be suspicious as it can point to money laundering or tax evasion.<\/p>\n<p>&ldquo;One of the biggest pitfalls I&rsquo;ve seen is the temptation to use cash to casually pay employees or cover personal expenses off the books.<\/p>\n<p>&ldquo;It&rsquo;s illegal and if audited, the penalties for tax evasion can be massive. I usually suggest integrated <a href=\"https:\/\/startups.co.uk\/people\/payroll\/best-hr-payroll-software\/\">payroll solutions<\/a> that let cash businesses pay workers legally and seamlessly.&rdquo;<\/p>\n <\/div>\n <\/div>\n[vc_empty_space][\/vc_column][\/vc_row][vc_row][vc_column]<div class=\"jumplink-anchor-section\">\n <div class=\"jumplink-anchor-pointer\" id=\"link-the-pros-and-cons-of-cash-in-hand\"><\/div>\n<\/div>\n[vc_column_text]\n<h2>The pros and cons of cash in hand<\/h2>\n<p>[\/vc_column_text] <\/p><div class=\"pros-cons\">\n <div class=\"pros\">\n <span class=\"pros-cons-title\">\n Pros <\/span>\n\n <ul class=\"pros-cons-list\">\n <li class=\"pros-cons-item\">\n Employees get immediate access to earnings. <\/li>\n <li class=\"pros-cons-item\">\n Some employees don&rsquo;t have bank accounts, so prefer to be paid by cash. <\/li>\n <li class=\"pros-cons-item\">\n There are no additional administration charges for employers with cash payments. <\/li>\n <li class=\"pros-cons-item\">\n There are no additional administration charges for employers with cash payments. <\/li>\n <li class=\"pros-cons-item\">\n Paying in cash reduces delayed payments due to IT issues, power cuts, and delayed bank transfers. <\/li>\n <li class=\"pros-cons-item\">\n Operating in cash can make it easier for a startup to manage budgets. <\/li>\n <\/ul>\n <\/div>\n\n \n <div class=\"cons\">\n <span class=\"pros-cons-title\">\n Cons <\/span>\n\n <ul class=\"pros-cons-list\">\n <li class=\"pros-cons-item\">\n Operating with cash can increase security risks, including petty theft and robbery. <\/li>\n <li class=\"pros-cons-item\">\n Due to the perception of cash payments being illegal, paying with cash can increase the possibility of being subject to a tax investigation. <\/li>\n <li class=\"pros-cons-item\">\n Digital and electronic payments and transactions create an automatic audit trail. Cash transactions don&rsquo;t, which can make accurate record keeping more difficult as they need to be manually recorded. <\/li>\n <li class=\"pros-cons-item\">\n The role of cash has declined in society, so although you may want to operate in cash, your trade suppliers and customers may not. <\/li>\n <\/ul>\n <\/div>\n\n <\/div>\n\n[\/vc_column][\/vc_row][vc_row][vc_column]<div class=\"jumplink-anchor-section\">\n <div class=\"jumplink-anchor-pointer\" id=\"link-verdict-should-you-pay-cash-in-hand\"><\/div>\n<\/div>\n[vc_column_text]\n<h2>Verdict: Should you pay cash in hand?<\/h2>\n<p>For most businesses, operating using card, contactless, or other forms of automated payment is sufficient to cover all business transactions, including staff wages.<\/p>\n<p>However, for a startup, having a facility for making and receiving cash payments provides more options. Paying with or receiving cash can aid liquidity and smooth the cash flow of a company that may not have large credit facilities.<\/p>\n<p>For businesses that serve customers face-to-face, for instance at hospitality events, or where internet connections are crucial, having a cash payment system can be a useful backup in case their digital payment system crashes.<\/p>\n<p>For businesses that employ casual staff, paying wages cash in hand is an option that suits some employees, especially those who don&rsquo;t have bank accounts.<\/p>\n<p>Overall, businesses can have the facility to pay for and be paid in cash, with two crucial caveats:<\/p>\n<ul>\n<li>All cash payments must be recorded and reported, and any tax due on the transaction paid to HMRC<\/li>\n<li>Cash payments should never be made as a tax avoidance strategy<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row title=&rdquo;Benjamin Salisbury &ndash; business journalist&rdquo; subtitle=&rdquo;Benjamin Salisbury is an experienced writer, editor and journalist who has worked for national newspapers, leading consumer websites like This Is Money and MoneySavingExpert.com, business analysts including Environment Analyst, AIM Group and written articles for professional bodies and financial companies. He covers news, personal finance, business, startups and property.&rdquo; image=&rdquo;156235&Prime; button=&rdquo;&rdquo; button_subtext=&rdquo;&rdquo; link=&rdquo;&rdquo;][vc_column]<\/p><div class=\"cta-content\" data-eventcategory=\"cta-banner\" data-component=\"cta-image\">\n\n <div class=\"cta-content-image\">\n <img decoding=\"async\" src=\"https:\/\/images.startups.co.uk\/wp-content\/uploads\/2023\/10\/Benjamin-Salisbury.jpg?width=100&height=100&fit=crop\" srcset=\"\" alt=\"\" width=\"100\" height=\"100\" data-caption=\"\" class=\"flexi-comp-img\" loading=\"lazy\" sizes=\"\"> <\/div>\n \n <div class=\"cta-content-part\">\n\n <span class=\"cta-content-heading\">\n Benjamin Salisbury - business journalist <\/span>\n \n <p>Benjamin Salisbury is an experienced writer, editor and journalist who has worked for national newspapers, leading consumer websites like This Is Money and MoneySavingExpert.com, business analysts including Environment Analyst, AIM Group and written articles for professional bodies and financial companies. He covers news, personal finance, business, startups and property.<\/p>\n \n <\/div>\n\n \n<\/div>\n[\/vc_column][\/vc_row]\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text]It is legal for a business to use cash to pay staff and suppliers &ndash; and for businesses to accept cash in hand payments &ndash; so long as the payment is recorded and reported, and that any tax and National Insurance (NI) payments due are paid. Paying wages or for products and services with cash [&hellip;]<\/p>\n","protected":false},"author":91535,"featured_media":159134,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[4211],"tags":[],"acf":[],"yoast_head":"\n<title>Is It Illegal to Pay Cash In Hand? Guide for Businesses<\/title>\n<meta name=\"description\" content=\"Learn the rules for businesses that use cash in hand to pay for wages, products and services, including the legalities, pros and cons, and potential penalties.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/startups.co.uk\/payment-processing\/is-paying-cash-in-hand-illegal\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Is It Illegal to Pay Cash In Hand? 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