Sand dollars (also known as sea cookies or snapper biscuits in New Zealand and Brazil, or pansy shells in South Africa) are species of flat, burrowing sea urchins belonging to the order Clypeasteroida. Some species within the order, not quite as flat, are known as sea biscuits. Sand dollars can also be called "sand cakes" or "cake urchins".

The term "sand dollar" derives from the appearance of the tests (skeletons) of dead individuals after being washed ashore. The test lacks its velvet-like skin of spines and has often been bleached white by sunlight. To beachcombers of the past, this suggested a large, silver coin, such as the old Spanish dollar, which had a diameter of 38–40 mm.

Other names for the sand dollar include sand cakes, pansy shells, snapper biscuits, cake urchins, and sea cookies. In South Africa, they are known as pansy shells from their suggestion of a five-petaled garden flower. The inflated sea biscuit or Caribbean sand dollar, Clypeaster rosaceus, is thicker in height than most. In Spanish-speaking areas of the Americas, the sand dollar is most often known as galleta de mar ("sea cookie"); the translated term is often encountered in English.

Sand dollars diverged from the other irregular echinoids, namely the cassiduloids, during the early Jurassic, with the first true sand dollar genus, Togocyamus, arising during the Paleocene. Soon after Togocyamus, more modern-looking groups emerged during the Eocene.

Sand dollars are small in size, averaging from 80 to 100 mm (3 to 4 inches). As with all members of the order Clypeasteroida, they possess a rigid skeleton called a test. The test consists of calcium carbonate plates arranged in a fivefold symmetric pattern. The tests of certain species of sand dollar have slits called lunules that can help the animal stay embedded in the sand to stop it from being swept away by an ocean wave. In living individuals, the test is covered by a skin of velvet-textured spines which are covered with very small hairs (cilia). Coordinated movements of the spines enable sand dollars to move across the seabed. The velvety spines of live sand dollars appear in a variety of colors—green, blue, violet, or purple—depending on the species. Individuals which are very recently dead or dying (moribund) are sometimes found on beaches with much of the external morphology still intact. Dead individuals are commonly found with their empty test devoid of all surface material and bleached white by sunlight.

The bodies of adult sand dollars, like those of other echinoids, display radial symmetry. The petal-like pattern in sand dollars consists of five paired rows of pores. The pores are perforations in the endoskeleton through which podia for gas exchange project from the body. The mouth of the sand dollar is located on the bottom of its body at the center of the petal-like pattern. Unlike other urchins, the bodies of sand dollars also display secondary front-to-back bilateral symmetry with no morphological distinguishing features between males and females. The anus of sand dollars is located at the back rather than at the top as in most urchins, with many more bilateral features appearing in some species. These result from the adaptation of sand dollars, in the course of their evolution, from creatures that originally lived their lives on top of the seabed (epibenthos) to creatures that burrow beneath it (endobenthos).

According to World Register of Marine Species:

Sand dollars can be found in temperate and tropical zones along all continents. Sand dollars live in waters below the mean low tide line, on or just beneath the surface of sandy and muddy areas. The common sand dollar, Echinarachnius parma, can be found in the Northern Hemisphere from the intertidal zone to the depths of the ocean, while the keyhole sand dollars (three species of the genus Mellita) can be found on many a wide range of coasts in and around the Caribbean Sea.