ATM placement
An ATM set up at your business under an arrangement for your location.
How ATM placement worksATM processing
ATM processing for new and existing machines.
Processing gets each withdrawal at your ATM approved and pays the money into your bank account. Start it on a new machine or switch one you already run, with compatibility checked first.
- New and existing ATMs
- Compatibility checked first
- Nationwide relationships built over 20 years
In plain terms
What ATM processing does
Every withdrawal at your ATM passes through a processor. Here's what happens in the few seconds between a card going in and cash coming out.
A customer requests cash
They insert a card at your ATM and enter an amount.
The bank responds
The processor routes it through the card networks to the customer's bank, which approves or declines it.
Funds are settled to you
Approved withdrawals, plus any surcharge due to you, are settled to the bank account set up for the machine, under your processing agreement.
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New or existing
Starting fresh or switching
A new machine. Processing is set up before the ATM goes live, so it can take transactions once it's installed.
A machine already running. Switching means moving the ATM to a new processing agreement and updating its settings. Whether that's possible depends on the machine and on your current agreement.
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Compatibility
Information that helps a compatibility check
Compatibility is checked before anything changes. Include what you know:
- ATM make and model
- Roughly how old the machine is
- Your current processor, if any
- How the machine connects: phone line, internet or wireless
- Who loads the cash, and how often
- When your current agreement ends, and its notice terms
Don't have every detail? Send what you have.
Switching
Things to check before you switch
A switch goes more smoothly when these details are known up front.
- Your current agreement. Its end date, notice period and any early-termination terms.
- The machine. Whether its hardware and software work with the new processor.
- Timing. When to switch so the machine is out of service for as little time as possible.
- Settings. Your surcharge and settlement account, carried over or updated.
Pricing and support
Questions to ask about pricing and support
No rates are listed here because they depend on your machine and setup. A processing proposal should answer these questions.
Settlement
How and when approved withdrawals are paid to your account.
Surcharge
Who sets the fee customers pay, and how it's shared, if at all.
Fees
Any per-transaction, monthly or setup fees that apply.
Reporting
How you see transactions and deposits for your machine.
Support
Who to contact if the machine stops taking transactions, and when they are available.
The agreement
Its length, renewal and cancellation terms.
Request Processing Information
Add your questions in the form.
How it works
How starting or switching processing works
Share your machine details
Choose "ATM processing" and include the make and model, current processor and how the machine connects.
Compatibility check and proposal
Compatibility and your current agreement are reviewed, then settlement, fees, surcharge and support are set out.
Setup or switch
If you go ahead, the machine is set up or switched at a time planned with you.
What does an ATM processor do?
It routes each withdrawal to the customer's bank for approval and settles approved withdrawals, plus any surcharge due to you, to your bank account.
Can my existing ATM be switched to a new processor?
In many cases, but it depends on the machine and your current agreement. That's why compatibility and contract terms are checked first.
Will my ATM be out of service during a switch?
There may be a short period while settings are updated. Timing is planned with you to keep it as short as possible.
Do I need a new ATM to switch?
Not necessarily. If your machine is compatible, it can usually stay. If it isn't, buying an ATM may be an option.
How much does ATM processing cost?
It depends on your machine, transaction volume and agreement. Ask about settlement, surcharge, fees and support in your request so the proposal covers them.
I don't own an ATM yet. Where do I start?
If you want to own one, start with buying an ATM. If you'd rather have one set up at your business, see ATM placement.
Other services
Looking for something else?
Buying an ATM
Own the machine and manage it yourself, with processing arranged.
What to know before buying an ATMRequest ATM processing information.
Include your ATM make and model and your current processor, if you have one.
What happens next. Your request starts a conversation about your machine and current setup, by phone or email as you prefer. Compatibility is checked before any setup or switch is proposed.
Sending a request does not commit you to a purchase or placement agreement.