A self-checkout terminal comprising: a transmitter; a receiver configured to receive shopping data associated with prices of purchase items that a customer has physically acquired during a shopping activity at a retail establishment, and wherein the shopping data is based, at least in part, on numbers of each corresponding purchase item that the customer has acquired during the shopping activity; payment logic configured to receive credential information associated with a monetary account that the customer is to use to pay for a collection of the acquired purchase items that the customer has acquired during the shopping activity; message logic configured to transform the shopping data into checkout data that includes data representing the collection of acquired purchase items; wherein the transmitter is configured to transmit the credential information to an account network for authentication; wherein the receiver is configured to receive a response from the account network indicating if the monetary account is authorized to pay for the collection of acquired purchase items; and a monetary-acceptance device configured to accept cash deposits; wherein the payment logic is configured to cause the self-checkout terminal to indicate to the customer that a payment using the monetary account for the collection of the acquired purchase items is authorized or that the payment was not authorized, wherein when authorized an authorization is received at the self-checkout terminal before the customer arrives at the self-checkout terminal, wherein when authorized the self-checkout terminal is configured to cause a payment transaction to be executed to provide for self-checkout and the payment using the monetary account without scanning the items at the self-checkout terminal and without assistance by another person; wherein the payment is made with a single tap of the self-checkout terminal by a mobile device of the customer for initiating the mobile device to interact with the self-checkout terminal without any other required touching of the self-checkout terminal; wherein the account network has an account computer that in response to the monetary account being authorized but being found having insufficient funds to pay for the collection of acquired purchase items, generates a message to the customer indicating insufficient funds and transmits the message including an insufficient funds symbol to the mobile device carried by the customer, wherein upon reaching the self-checkout terminal, the self-checkout terminal is adapted to receive the insufficient funds symbol from the mobile device, and upon the insufficient funds symbol being verified, the monetary-acceptance device is configured to receive additional funds from the customer to pay for the collection of acquired purchase items. a transmitter; a receiver configured to receive shopping data associated with prices of purchase items that a customer has physically acquired during a shopping activity at a retail establishment, and wherein the shopping data is based, at least in part, on numbers of each corresponding purchase item that the customer has acquired during the shopping activity; payment logic configured to receive credential information associated with a monetary account that the customer is to use to pay for a collection of the acquired purchase items that the customer has acquired during the shopping activity; message logic configured to transform the shopping data into checkout data that includes data representing the collection of acquired purchase items; wherein the transmitter is configured to transmit the credential information to an account network for authentication; wherein the receiver is configured to receive a response from the account network indicating if the monetary account is authorized to pay for the collection of acquired purchase items; and a monetary-acceptance device configured to accept cash deposits; wherein the payment logic is configured to cause the self-checkout terminal to indicate to the customer that a payment using the monetary account for the collection of the acquired purchase items is authorized or that the payment was not authorized, wherein when authorized an authorization is received at the self-checkout terminal before the customer arrives at the self-checkout terminal, wherein when authorized the self-checkout terminal is configured to cause a payment transaction to be executed to provide for self-checkout and the payment using the monetary account without scanning the items at the self-checkout terminal and without assistance by another person; wherein the payment is made with a single tap of the self-checkout terminal by a mobile device of the customer for initiating the mobile device to interact with the self-checkout terminal without any other required touching of the self-checkout terminal; wherein the account network has an account computer that in response to the monetary account being authorized but being found having insufficient funds to pay for the collection of acquired purchase items, generates a message to the customer indicating insufficient funds and transmits the message including an insufficient funds symbol to the mobile device carried by the customer, wherein upon reaching the self-checkout terminal, the self-checkout terminal is adapted to receive the insufficient funds symbol from the mobile device, and upon the insufficient funds symbol being verified, the monetary-acceptance device is configured to receive additional funds from the customer to pay for the collection of acquired purchase items.