{"product_id":"kontantkrav-livsmedelsbutik-apotek-2026-2027","title":"Cash Requirements for Stores \u0026 Pharmacies 2026\/2027 – Till Policy, Customer Signage and Exception Protocol | Word\/PDF\/Excel","description":"\u003csection lang=\"sv\" class=\"mb-product-description\"\u003e\n\u003cp\u003e\u003cstrong\u003eMust a grocery store or pharmacy accept cash – and when can staff refuse payment?\u003c\/strong\u003e From \u003cstrong\u003eJuly 1, 2026\u003c\/strong\u003e, a special Swedish law on cash payments, \u003cstrong\u003eSFS 2026:769\u003c\/strong\u003e, applies to certain physical retail outlets with manned checkouts. Here you will find practical, editable documents for the store's cash policy, checkout staff decisions, objective customer information, protocols for when cash is refused, and a special assessment of security or cash handling costs.\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eThe 2026\/2027 legal limits:\u003c\/strong\u003e The obligation under Section 1 applies to payments of \u003cstrong\u003eno more than 0.1 price base amount\u003c\/strong\u003e and \u003cstrong\u003eno more than 25 coins\u003c\/strong\u003e. This corresponds to \u003cstrong\u003eSEK 5,920 in 2026\u003c\/strong\u003e and \u003cstrong\u003eSEK 5,960 in 2027\u003c\/strong\u003e. These amounts are the control limits for this special law – it is \u003cem\u003enot prohibited\u003c\/em\u003e to voluntarily accept larger cash payments or more coins. There are also exceptions that must be assessed based on concrete facts.\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eYou get:\u003c\/strong\u003e five Swedish document templates, a Swedish user guide and an English User Guide – all in both Word (DOCX) and searchable, printable PDF – plus Excel with \u003cstrong\u003enine tabs and 314 administrative formulas\u003c\/strong\u003e. That is \u003cstrong\u003e7 DOCX + 7 PDF + 1 XLSX = 15 customer files\u003c\/strong\u003e in a ZIP. The PDF files are not interactively fillable; use Word when you want to edit the text.\u003c\/p\u003e\n\n\u003cdiv style=\"border:2px solid #BDD6E6;border-left:6px solid #246F9E;border-radius:10px;background:#EFF7FB;padding:18px 20px;margin:20px 0\"\u003e\n\n\u003ch2 style=\"margin:0 0 8px\"\u003e01 · Package Contents\u003c\/h2\u003e\n\n\u003cp style=\"margin:0\"\u003eFive independent Swedish work templates: \u003cstrong\u003ecash policy, checkout instructions, customer sign, protocol for refused cash payment, and security\/cost assessment\u003c\/strong\u003e. In addition, a Swedish guide and an English User Guide. All seven documents are available in editable DOCX as well as searchable A4 PDF. An Excel workbook with nine tabs is included. A total of 15 customer files, not 15 different legal templates.\u003c\/p\u003e\n\n\n\u003c\/div\u003e\n\n\u003cdiv style=\"border:2px solid #BDD6E6;border-left:6px solid #246F9E;border-radius:10px;background:#EFF7FB;padding:18px 20px;margin:20px 0\"\u003e\n\n\u003ch2 style=\"margin:0 0 8px\"\u003e02 · What the Files Contain\u003c\/h2\u003e\n\n\u003cp style=\"margin:0\"\u003eClarify the scope per store, use the correct year-specific amount limits, count the number of coins, customize an actually printable customer sign, and document individual exception decisions. Excel provides initial decision support and statistics on registered cases; \u003cstrong\u003eit never decides on its own whether an exception is legally permitted\u003c\/strong\u003e.\u003c\/p\u003e\n\n\n\u003c\/div\u003e\n\n\u003ch2\u003eWho Is the Product Designed For?\u003c\/h2\u003e\n\n\u003cp\u003e\u003cstrong\u003eParticularly suitable for:\u003c\/strong\u003e grocery stores in retail and pharmacies at physical retail outlets that have manned checkouts. Store managers, regional managers, checkout staff, internal control, and the business's finance\/security managers can also use it. Example: a grocery store that needs to introduce a uniform instruction for cash purchases, or a pharmacy that needs to document an individual objective exception.\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eNot suitable without adaptation:\u003c\/strong\u003e restaurants or cafes that are not covered by the special law's definitions, pure web stores, unmanned checkouts, or banking operations. The package is not a cash book, a receipt system, a cash handling app, or a general instruction for anti-money laundering reporting. For actual accounting, there is a separate \u003ca href=\"\/en\/products\/kassabok-dagskassa-2026-2027-kontantjournal-dagsavslut-kassadifferens-excel-word-pdf\"\u003eCash Book \u0026amp; Daily Cash Register\u003c\/a\u003e.\u003c\/p\u003e\n\n\u003ch2\u003eExact Contents – 15 Customer Files\u003c\/h2\u003e\n\n\u003cdiv style=\"overflow-x:auto\"\u003e\u003ctable style=\"border-collapse:collapse;width:100%;min-width:670px\"\u003e\n\n\u003cthead\u003e\u003ctr style=\"background:#DCECF5\"\u003e\n\n\u003cth scope=\"col\"\u003eDocument\u003c\/th\u003e\n\n\u003cth scope=\"col\"\u003eWhat It Is Used For\u003c\/th\u003e\n\n\u003cth scope=\"col\"\u003eLanguage\u003c\/th\u003e\n\n\u003cth scope=\"col\"\u003eFormat\u003c\/th\u003e\n\n\n\u003c\/tr\u003e\u003c\/thead\u003e\n\n\u003ctbody\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e\u003cstrong\u003e01 Cash Policy for Store\/Pharmacy\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd\u003eRoles, scope of operations, decided main routine, and delimitation of exceptions.\u003c\/td\u003e\n\n\u003ctd\u003eSwedish\u003c\/td\u003e\n\n\u003ctd\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e\u003cstrong\u003e02 Checkout Instructions, SEK 5,920\/5,960 and 25 Coins\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd\u003eDecision tree for manned checkout, amount control, coin count, and escalation.\u003c\/td\u003e\n\n\u003ctd\u003eSwedish\u003c\/td\u003e\n\n\u003ctd\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e\u003cstrong\u003e03 Customer Information and Printable A4 Sign\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd\u003eReady structure for visible customer information; customize the store's name, contact, and actual routine.\u003c\/td\u003e\n\n\u003ctd\u003eSwedish\u003c\/td\u003e\n\n\u003ctd\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e\u003cstrong\u003e04 Exception Protocol for Refused Cash Payment\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd\u003eRecords purchase amount, coin count, objective basis, decision-maker, and follow-up.\u003c\/td\u003e\n\n\u003ctd\u003eSwedish\u003c\/td\u003e\n\n\u003ctd\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e\u003cstrong\u003e05 Security and Cost Assessment\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd\u003eFact-based analysis of the special exceptions under Section 2 – not a blank check for a cash ban.\u003c\/td\u003e\n\n\u003ctd\u003eSwedish\u003c\/td\u003e\n\n\u003ctd\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e\u003cstrong\u003e06 User Guide\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd\u003eSeven-step implementation, legal cases, limitations, and authority sources.\u003c\/td\u003e\n\n\u003ctd\u003eSwedish\u003c\/td\u003e\n\n\u003ctd\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e\u003cstrong\u003e07 English User Guide\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd\u003ePractical English instructions for the Swedish working documents, not a translation of all work templates.\u003c\/td\u003e\n\n\u003ctd\u003eEnglish\u003c\/td\u003e\n\n\u003ctd\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e\u003cstrong\u003e08 Excel Register\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd\u003eNine tabs for units, year limits, registered cash purchases, refusals, risks, and actions.\u003c\/td\u003e\n\n\u003ctd\u003eSwedish\u003c\/td\u003e\n\n\u003ctd\u003eXLSX\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\n\u003c\/tbody\u003e\n\n\n\u003c\/table\u003e\u003c\/div\u003e\n\n\u003ch2\u003eExcel – Nine Interconnected Tabs\u003c\/h2\u003e\n\n\u003cp\u003e\u003cstrong\u003eRead Me, Overview, Units, Amount Limits, Payments, Refusals, Risk Assessment, Actions, and Sources.\u003c\/strong\u003e Enter each actual store and checkout as well as purchase amount, coin count, and payment year. Excel calculates the law's amount limit from the price base amount for 2026 or 2027, and can display \"WITHIN MAIN RULE\", \"OUTSIDE MAIN RULE\", or \"CHECK INPUT\". In the event of a possible exception, the need for \u003cstrong\u003emanual exception review\u003c\/strong\u003e is displayed. The underlying data is registered without test customer data, without macros, and without connection to external systems.\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eSix test cases have been verified:\u003c\/strong\u003e a purchase at the limit in 2026, a purchase over the limit, more than 25 coins, a purchase at the limit in 2027 with an uncertain exception, a negative amount, and a year specified as text in Excel. The results only make an initial administrative assessment and do not replace an actual legal decision.\u003c\/p\u003e\n\n\u003ch2\u003eHow to Introduce the Cash Payment Routine – Step by Step\u003c\/h2\u003e\n\n\u003col\u003e\n\n\u003cli\u003e\n\n\u003cstrong\u003eCheck the business:\u003c\/strong\u003e is it really a grocery store in retail or a pharmacy, with a physical manned checkout?\u003c\/li\u003e\n\n\u003cli\u003e\n\n\u003cstrong\u003eEstablish responsibility:\u003c\/strong\u003e specify the store manager, applicable retail outlets, escalation path, and actual staffing times.\u003c\/li\u003e\n\n\u003cli\u003e\n\n\u003cstrong\u003eCheck the year and amount:\u003c\/strong\u003e use the 2026 limit of SEK 5,920 or the 2027 limit of SEK 5,960 and no more than 25 coins. Check later years again.\u003c\/li\u003e\n\n\u003cli\u003e\n\n\u003cstrong\u003eIntroduce the checkout instructions:\u003c\/strong\u003e distinguish the main obligation from exceptions, purchases outside the law's amount\/coin limit, and suspected counterfeit cash.\u003c\/li\u003e\n\n\u003cli\u003e\n\n\u003cstrong\u003eCustomize the customer sign:\u003c\/strong\u003e fill in actual location details before posting; do not state a general cash ban.\u003c\/li\u003e\n\n\u003cli\u003e\n\n\u003cstrong\u003eHandle the refusal:\u003c\/strong\u003e document actual individual reasons and which paragraph is cited; send difficult cases to the responsible manager.\u003c\/li\u003e\n\n\u003cli\u003e\n\n\u003cstrong\u003eFollow up:\u003c\/strong\u003e use the Excel overview and save decisions, evidence, and actions according to the business's data protection and documentation routines.\u003c\/li\u003e\n\n\n\u003c\/ol\u003e\n\n\u003ch2\u003eWhat Does the Law (2026:769) Say – and What Does It Not Say?\u003c\/h2\u003e\n\n\u003cp\u003e\u003cstrong\u003eSection 1 – main obligation:\u003c\/strong\u003e grocery stores in retail and pharmacies shall accept banknotes and coins at physical retail outlets with manned checkouts, for payments covered by the law's amount and coin limit. The price base amount for 2026 is SEK 59,200 (0.1 = SEK 5,920) and for 2027 SEK 59,600 (0.1 = SEK 5,960). \u003ca href=\"https:\/\/www.riksdagen.se\/sv\/dokument-och-lagar\/dokument\/svensk-forfattningssamling\/lag-2026769-om-skyldighet-for-livsmedelsbutiker_sfs-2026-769\/\"\u003eRead the law text at the Riksdag\u003c\/a\u003e.\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eSection 2 – business-level limitations:\u003c\/strong\u003e the obligation does not apply when security cannot be maintained at the retail outlet in question, or when the cost of handling cash makes it impossible to keep the retail outlet open. This requires \u003cem\u003econcrete factual information\u003c\/em\u003e; a desire for a cashless environment is not automatically such an exception.\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eSection 3 – individual purchases:\u003c\/strong\u003e an acceptable reason may allow cash payment to be refused at a particular sale. It must not be arbitrary. The preparatory works discuss, for example, a full cash register or suspected money laundering in a special situation – there is no general obligation to categorically reject a customer on such generic grounds. \u003ca href=\"https:\/\/www.riksdagen.se\/sv\/dokument-och-lagar\/dokument\/proposition\/atgarder-for-att-starka-kontanternas-funktionssatt_hd03199\/html\/\"\u003eRead the preparatory works, prop. 2025\/26:199\u003c\/a\u003e.\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eConnection to accounting and security:\u003c\/strong\u003e the new requirements regulate when payment should normally be accepted. The store's cash register, accounting, change handling, occupational health and safety, anti-money laundering rules, and data protection must be assessed separately when relevant. A Word template does not make a store legally compliant.\u003c\/p\u003e\n\n\u003ch2\u003eFrequently Asked Questions\u003c\/h2\u003e\n\n\u003ch3\u003eIs cash payment mandatory in all Swedish stores?\u003c\/h3\u003e\n\n\u003cp\u003eNo. This special law from July 1, 2026, concerns grocery stores in retail and pharmacies with a physical manned checkout. There are also statutory limits and exceptions.\u003c\/p\u003e\n\n\u003ch3\u003eHow large a cash purchase should a grocery store normally accept in 2027?\u003c\/h3\u003e\n\n\u003cp\u003eA purchase of no more than \u003cstrong\u003eSEK 5,960\u003c\/strong\u003e and no more than \u003cstrong\u003e25 coins\u003c\/strong\u003e is covered as a starting point by the special cash obligation at a manned checkout. Certain exceptions may become relevant in real circumstances.\u003c\/p\u003e\n\n\u003ch3\u003eCan a store refuse if the customer wants to use 26 coins?\u003c\/h3\u003e\n\n\u003cp\u003eWith more than 25 coins, the special obligation of Section 1 does not apply. The law does not say that it is prohibited to voluntarily accept 26 coins. Check other applicable rules and the business's actual conditions.\u003c\/p\u003e\n\n\u003ch3\u003eCan a pharmacy refuse banknotes to a customer for security reasons?\u003c\/h3\u003e\n\n\u003cp\u003eThis requires concrete review according to the law's exceptions. SFS 2026:769 Section 2 refers to when security cannot be maintained on site and Section 3 to an acceptable reason at an individual purchase. An abstract or general cash ban is not automatically permitted.\u003c\/p\u003e\n\n\u003ch3\u003eIs the customer sign completely ready to print?\u003c\/h3\u003e\n\n\u003cp\u003eIt contains a special printable A4 page. Before use, the store's name, contact method, applicable checkout, and other location details must be filled in and checked.\u003c\/p\u003e\n\n\u003ch3\u003eAre the PDF files digitally fillable?\u003c\/h3\u003e\n\n\u003cp\u003eNo. The PDF files are searchable and printable copies, without interactive form fields. Use the seven DOCX files for editing.\u003c\/p\u003e\n\n\u003ch3\u003eIs everything in English?\u003c\/h3\u003e\n\n\u003cp\u003eNo. Five work templates, a Swedish guide, and Excel are in Swedish. The English User Guide provides instructions on the Swedish files; it is not a full translation of the main templates.\u003c\/p\u003e\n\n\u003ch2\u003eOfficial Legal Sources and Quality Assurance\u003c\/h2\u003e\n\n\u003cp\u003e\u003ca href=\"https:\/\/www.riksdagen.se\/sv\/dokument-och-lagar\/dokument\/svensk-forfattningssamling\/lag-2026769-om-skyldighet-for-livsmedelsbutiker_sfs-2026-769\/\"\u003eSFS 2026:769, §§ 1–3\u003c\/a\u003e; \u003ca href=\"https:\/\/www.riksdagen.se\/sv\/dokument-och-lagar\/dokument\/svensk-forfattningssamling\/forordning-2025872-om-prisbasbelopp-och-forhojt_sfs-2025-872\/\"\u003eSFS 2025:872, 2026 price base amount\u003c\/a\u003e; \u003ca href=\"https:\/\/www.riksdagen.se\/sv\/dokument-och-lagar\/dokument\/svensk-forfattningssamling\/forordning-20261779-om-prisbasbelopp-och_sfs-2026-1779\/\"\u003eSFS 2026:1779, 2027 price base amount\u003c\/a\u003e; and the government's \u003ca href=\"https:\/\/www.riksdagen.se\/sv\/dokument-och-lagar\/dokument\/proposition\/atgarder-for-att-starka-kontanternas-funktionssatt_hd03199\/html\/\"\u003eproposition 2025\/26:199\u003c\/a\u003e.\u003c\/p\u003e\n\n\u003cp\u003eVersion \u003cstrong\u003e1.0\u003c\/strong\u003e, AI-assisted legal source check \u003cstrong\u003eNovember 8, 2026\u003c\/strong\u003e. The documents have been technically checked for editable DOCX, searchable A4 PDF, Excel tables, formulas, test scenarios, and ZIP integrity. No independent legal review or authority certification has been carried out. The document package must be adapted and assessed for the individual retail outlet.\u003c\/p\u003e\n\n\u003c\/section\u003e","brand":"Svenska Dokumentmallar","offers":[{"title":"Default Title","offer_id":56553887400278,"sku":"MB-KONTANTKRAV-BUTIK-APOTEK-2627-V1","price":79.0,"currency_code":"SEK","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0827\/2373\/3846\/files\/mb-01_Kontantkrav_Huvudbild_1600.png?v=1794162419","url":"https:\/\/mallbutiken.se\/en\/products\/kontantkrav-livsmedelsbutik-apotek-2026-2027","provider":"Mallbutiken","version":"1.0","type":"link"}