Systems and methods for generating receipts

A method for processing a check transaction via a point-of-sale device associated with a merchant, the method comprising:

• receiving user input as to a transaction type;
• converting a check associated with the check transaction;
• selecting a receipt format from a plurality of stored receipt formats wherein the plurality of stored receipt formats corresponds to one or more check transaction factors associated with the check transaction tv e and includes no receipt;
• determining whether the check is an accounts receivable check based on the user input;
• communicating with a check processing service that determines whether the check transaction should be authorized or declined based at least on information obtained from conversion of the check;
• and
• determining automatically, based on the transaction type user input and the selected receipt format, whether to generate a receipt for the check transaction wherein the receipt is not generated if the check is an accounts receivable check.

A method for processing a payment made to a merchant, the method comprising:

• convening the payment into an electronic format that allows at least a portion of subsequent payment processing to be performed electronically;
• receiving user input as to a transaction type;
• selecting a receipt format from a plurality of stored receipt formats corresponding to one or more check transaction factors for the transaction type wherein the receipt format includes no receipt;
• and
• determining, based on the transaction type user input, whether the payment involves a non-face-to-face transaction, wherein a receipt for the payment is automatically not generated if the payment is a non-face-to-face transaction.

A system for conducting a financial transaction involving a merchant, comprising:

• a first means for receiving user input as to whether the financial transaction involves a non-face-to-face transaction;
• and
• a second means for selecting a receipt format from a plurality of stored receipt formats corresponding to one or more check transaction factors wherein the plurality of stored receipt formats includes no receipt;
• and
• a third means for automatically determining not to generate a receipt if the financial transaction is a non-face-to-face transaction even if the financial transaction is authorized.