In modern conditions of economic development increases the role cash payments, because they are the final stage of any kind of business. It depends on the financial situation of businesses and individuals, therefore, and the state. Cash payments are known can be made either in cash or in a cashless form. Reducing cash turnover and the development of non-cash will strengthen state control over the cash flows that will ensure the completion of the country's budget. To do this, it is advisable to introduce a limit on the restriction of cash purchases in the organized retail trade, as in some countries of the European Union and the United States. When making cash payments there is a conflict of interests between the supplier (beneficiary) and the buyer (payer): sell "expensive" - to buy "cheap"; beneficiary - first receive the money, and then ship the goods, and the payer - first item, and then pay for it. This conflict is solved by the proposed regulation of prices, taking into account percent for a bank loan. Problems of money calculations: payment guarantee, and its timeliness; convergence of movements of money and goods; state control over the cash flows can be addressed through the further development and implementation of new and previously used forms of payment, new technologies, bank credit and other.