For scratch-off lottery enthusiasts in the Sunshine State, knowing when you can cash in those winning tickets is key. With thousands of retailers ready to pay up across Florida, getting the timing right matters.

If you’re short on time, here’s the quick answer: Scratch-off lottery tickets can be cashed in Florida beginning at 7:00 AM local time, as soon as lottery retailers open for the day. Tickets can be redeemed until midnight.

This comprehensive guide will go over everything you need to know about cashing scratch-off tickets in Florida. We’ll look at opening and closing times, retailer rules, where to cash large prizes, and tips for avoiding delays.

Opening and Closing Times

Tickets Can Be Cashed Starting at 7:00 AM

If you’re eager to cash in your scratch-off ticket in Florida, you’ll be pleased to know that the cashing process begins bright and early at 7:00 AM. This means that as soon as the clock strikes 7:00, you can head to your nearest authorized retailer and claim your winnings.

Whether you’re a morning person or not, this early start time ensures that you can start enjoying your winnings as soon as possible.

Redemption Deadline is Midnight

While you can start cashing your scratch-offs early in the morning, it’s important to note that there is a redemption deadline in place. In Florida, you have until midnight to redeem your winning scratch-off tickets.

This gives you ample time throughout the day to make your way to an authorized retailer and cash in your ticket. So, if you’re lucky enough to win, make sure to plan your day accordingly to meet the redemption deadline.

24/7 Options for Big Winners

For those lucky individuals who strike it big with a substantial scratch-off win, there are 24/7 options available for cashing in your ticket. While most authorized retailers have specific opening and closing times, there are select locations that operate around the clock.

These 24/7 locations provide convenience for big winners who may want to claim their prizes outside of regular business hours. So, if you find yourself holding a winning ticket worth a significant amount, you won’t have to wait until the morning to cash it in.

Retailer Cash Out Policies

When it comes to cashing out scratch-offs in Florida, it’s important to understand the policies set by retailers. Each retailer may have their own unique guidelines for cashing out winning tickets, so it’s essential to familiarize yourself with these policies to ensure a smooth process.

Dollar Limits Vary by Retailer

One important aspect to consider is that dollar limits for cashing out scratch-offs can vary by retailer. While some retailers may have a maximum limit of $500, others may allow you to cash out tickets worth up to $1,000 or more.

It’s a good idea to check with the specific retailer you plan to visit to find out their exact dollar limit.

According to the Florida Lottery website, some retailers may have a policy of not cashing out tickets worth more than a certain amount. In such cases, they may direct you to a larger retailer or a designated Florida Lottery district office for prize payment.

Store Discretion on Prize Payment

It’s also worth noting that retailers have the discretion to choose whether or not they will pay out prizes in cash. While many retailers do offer cash payments for smaller winnings, others may provide store credit or a check instead.

This is why it’s important to inquire about the specific payment options available at the retailer you choose.

However, it’s important to remember that the Florida Lottery is required to pay prizes of $600 or more. So, if you have a winning ticket worth a significant amount, you may need to visit a designated Florida Lottery district office to claim your prize.

Fee Charged for Large Payouts

If you’re lucky enough to have a scratch-off ticket with a substantial prize, it’s important to be aware that some retailers may charge a fee for large payouts. This fee is typically a percentage of the prize amount and is deducted from your total winnings.

The exact fee percentage can vary, so it’s advisable to ask the retailer about any associated fees before cashing out your ticket.

For more detailed information about retailer cash out policies, including a list of designated Florida Lottery district offices, you can visit the official Florida Lottery website at

Claiming Big Prizes

Prizes Over $600 Must Be Claimed at Lottery Office

If you’re lucky enough to win a scratch-off prize of $600 or more in Florida, you will need to visit a lottery office to claim your winnings. The Florida Lottery has several offices located throughout the state where you can go to collect your prize.

It’s important to note that prizes of $599 or less can be claimed at any authorized retailer. However, for larger prizes, you will need to provide identification and complete the necessary paperwork at a lottery office.

Option to Remain Anonymous

One of the great things about winning a big prize in Florida is that you have the option to remain anonymous. This means that you can choose not to have your name or photograph released to the public. Many winners prefer to keep their identity private for various reasons, such as security concerns or personal preferences.

If you decide to remain anonymous, the Florida Lottery will respect your choice and your information will be kept confidential.

Taxes Withheld on Winnings Over $5,000

When you win a prize of over $5,000 in Florida, the lottery will withhold a percentage of your winnings for federal taxes. This is a requirement by the Internal Revenue Service (IRS) and applies to all gambling winnings.

The exact amount that is withheld depends on several factors, including the total amount won and your tax bracket. It’s important to consult with a tax professional to understand the implications of your winnings and to ensure that you comply with all tax obligations.

Avoiding Delays and Problems

Confirm Ticket Is a Winner

Before heading to cash in your scratch-off ticket in Florida, it’s important to confirm that your ticket is indeed a winner. Take a close look at the ticket and read the instructions carefully. Look for any matching numbers or symbols that indicate a win.

It’s also a good idea to double-check your ticket using the official Florida Lottery website or mobile app. This will help you avoid any potential delays or disappointment at the retailer.

Watch for Retailer Cash Shortages

While most retailers in Florida have sufficient cash on hand to pay out winnings, there may be instances where they experience cash shortages. To avoid any problems, it’s recommended to cash in your scratch-off ticket during regular business hours.

Additionally, consider calling ahead to the retailer to confirm that they have enough cash available to pay out your winnings. This simple step can save you time and frustration and ensure a smooth cashing process.

Keep Ticket Safe and Secure

Once you have confirmed that your scratch-off ticket is a winner and have cashed it in, it’s crucial to keep the ticket safe and secure. Treat it like cash, as losing a winning ticket means losing your winnings as well. Store the ticket in a safe place, such as a locked drawer or a secure wallet.

It’s also a good idea to take a photo or make a copy of the ticket as an additional backup in case the original is lost or damaged.

Remember, the Florida Lottery website ( is an authoritative source for all things related to scratch-off tickets in Florida. It provides up-to-date information on winning numbers, prizes, and locations where you can cash in your ticket.

By following these tips and staying informed, you can ensure a hassle-free experience when cashing in your scratch-off tickets in Florida.

Other Redemption Rules and Tips

Tickets Are Bearer Instruments

It’s important to remember that scratch-off tickets are considered bearer instruments. This means that whoever holds the ticket is considered the owner and can claim the prize. So, if you happen to find a lost or discarded ticket, it’s legally yours to redeem.

However, it’s always a good idea to double-check the rules and regulations of your state lottery to ensure you’re following the correct procedures.

Photocopies Are Not Valid

While it may be tempting to make copies of your winning scratch-off tickets, it’s important to note that photocopies are not valid for redemption. Lottery officials require the original ticket to be presented in order to claim a prize.

So, make sure to keep your winning tickets in a safe place and protect them from damage or loss.

Double Check Game End Dates

Each scratch-off game has an end date, after which tickets can no longer be redeemed. It’s crucial to double-check the game end dates to ensure you don’t miss out on claiming your prize. These dates are typically printed on the back of the ticket or can be found on the official lottery website.

Remember, once a game has ended, any unclaimed prizes are forfeited, so it’s best to act promptly.


Knowing Florida’s scratch-off cashing policies, from start and end times to retailer limits, is key to smoothly redeeming your winning tickets. With some preparation and awareness of the rules, you can turn those lucky scratch cards into quick cash in your hands.

Just be sure to play early enough to cash in same day, double check your tickets, and always claim big prizes directly through the Florida Lottery for secure payment. With the right approach, scratch-off winnings can be a fun source of tax-free funds in the Sunshine State.

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