When change back is due to a customer at a transaction terminal after a cash payment made by the customer during checkout, a code is generated and rendered on a display of the terminal. The customer captures the code with a camera of a customer-operated device causing a mobile application to launch on the device requesting that the customer designate how the customer wants the change back to be provided. The customer can select a loyalty wallet, a digital wallet, and/or a donation wallet for transferring some or all of the change back. The designated amount of the change back is transferred to the customer-selected wallet(s) and any remaining cash bills still due to the customer as remaining change back is provided to the customer and the transaction concludes at the terminal.