Crossword Genius

Takes card only to find there's no tenner enclosed? (8)

Ross

I believe the answer is:

cashless

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'enclosed?' is the definition.
Both the answer and definition are adjectives.
Perhaps they are linked in a way I don't understand?

I cannot understand how the rest of the clue works.

Can you help me to learn more?

(Another definition for cashless that I've seen is " Lacking bread".)

I've seen this clue in The Irish Times.
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