The PayCash OneStop™, a 24-hour self-serve financial center kiosk with web and ATM capabilities, is designed to enable self-sufficient consumers to securely pay bills with cash, credit or debit cards. The OneStop Kiosk, installed in a retail location, can reduce lines at the register as well as increase staff productivity by automating customer service tasks and providing financial services such as bill payment, check cashing, money orders, and eCommerce. Merchants can market in-house promotions, via advertising and couponing on the OneStop, and offer expanded products and services with affiliated partners, increasing sales opportunities without the cost of inventory.