Service allowing a customer to withdraw Money in physical form such as banknotes and coins. More from a A transfer of funds which discharges an obligation on the part of a payer vis-à-vis a payee. More account using a mobile application on a smartphone at a participating shop supporting the application. Also referred to as a “virtual ATM”. Unlike A service whereby the customer pays electronically a higher amount to a retailer than the value of the purchase for goods and/or services and receives the difference in cash. It is also a reward system associated with credit card usage, whereby the consumer receives a percentage of the amount spent on the credit card. More, a cash-in-shop transaction does not require the consumer to make a purchase.