So, what are the payout reasons you ask? Well the big one is Lottery payout. There are many more like: Payment to Vendor, any kind of buyback program including second hand clothing, sport equipment, even guns. Accepting recycle material and paying customers for it. So many payout reasons. If your merchant has more than one payout reason like lottery and vendors, then they are better off using negative tender app that enables merchants to enter multiple payout reasons themselves and then use these reasons as selection during payout process.