Speaking of phrasing, there's a different tact that some cashier personnel have come to use: instead of asking for exact payments, they ask if it's okay with you if you receive insufficient change! Why, imagine how much money that would sum up to if everyone who bought something received 25 centavos less or a peso less in their due change!
I'm really in need of a little more spunk in this aspect, so I'm quite thankful this particular tactic hasn't been tried on me yet. But should it happen to you, here are two comebacks you may want to use, courtesy of my sister Isis, who has encountered such impudence more than once already:
Cashier: "Ma'am kulang lang po ng 25 centavos." (While handing over the insufficient change.)
You: "Tatanggapin mo ba ang bayad ko kung kulang?"
Cashier: "Ma'am okay lang po ba kung kulang?"
You: "Ok kung sobra."
Say it lightly and don't pick a fight! Most of the time, cashier personnel do this because they're