For nearly 30 years, ATM Money Machine has been the processing company ATM owners, businesses, and ATM operators nationwide call when they want a real person who knows their machine. We handle processing in-house and can set up new machines, switch existing machines from another processor, and support ATMs purchased from other providers.
ATM processing connects your machine to the card networks and financial institutions that authorize, route, and settle each transaction. When customers use an ATM for cash withdrawals or balance inquiries, the processing network handles the communication between the machine, the card network, and the customer’s bank.
What Is ATM Processing, and How Does It Work?
ATM processing is the system that allows an ATM to communicate with the financial institutions involved in a transaction. It happens in seconds, but several steps take place between the time a customer requests cash and the transaction appears in your reporting.
Real-Time ATM Transaction Reporting
Knowing what your ATM is doing matters whether you own one machine or operate a growing ATM business. Our online reporting portal gives you real-time visibility into transaction activity, so you can review your machines without waiting for a manually prepared report.
A single login lets you monitor one ATM or multiple locations. You can review transaction activity and receive text and/or email alerts for low cash levels, terminal inactivity, or ATM error codes. That means you can respond to an issue before a customer has to tell you something is wrong.
ATM Processing Support From a Team That Knows ATMs
ATM Money Machine has been family-owned and operated since 1997. Founder Larry Galvin built the company around direct customer service, and his daughter, Meghan Stamelos, now serves as Vice President. Our team handles ATM sales, programming, processing, service, and technical support, giving customers one company to contact when they need help.
We are based in Egg Harbor Township, NJ, and support ATM owners and businesses across all 50 states. ATM Money Machine also maintains an A+ rating with the Better Business Bureau.
When you need help with your processing or equipment, you can speak with a member of our team who understands how ATMs work rather than navigating a generic call center.
Technical Support for Your ATM
Technical support is available 24/7. An ATM that stops dispensing on a Saturday night is costing the location money until it is running again, so our support does not keep office hours.
Processing is only part of keeping an ATM operational. When a technical issue occurs, our support team can help troubleshoot the problem by phone. Many common issues can be addressed remotely, while problems requiring hands-on attention can be referred to a technician through our nationwide service network.
We also support ATM maintenance and repair for the equipment we process. If you have an older machine or need to check its EMV compatibility, ask our team about available upgrade options.
We Can Process ATMs You Already Own
You do not have to purchase a machine from ATM Money Machine to use our processing services. We can work with many existing ATMs, including machines purchased from another supplier.
Buying a new or used ATM from us?
Processing is set up as part of the purchase, so your machine can be programmed and connected to our processing platform.
Already own an ATM?
Send us the machine’s make, model, and serial number so we can determine compatibility and explain the setup.
Want to switch ATM processors?
We can help transition an eligible machine from another processing company to our platform..
Whether you are opening your first ATM location or managing an established ATM business, our team can help you determine the next steps.
If you are earlier than that and still deciding whether to buy your first machine, our guide on how to start an ATM business covers the equipment, the location, and the processing side before you commit.
Send Us Your ATM Information
Start with the make, model, and serial number of your ATM. This lets us determine the machine’s requirements and compatibility with our processing system.
Complete the Programming
We provide the instructions and coordinate a call with one of our technicians. Depending on the equipment, the setup may involve reprogramming the ATM and establishing your merchant ID.
Start Processing
Once the programming is complete, your ATM can connect to our processing network and begin handling transactions. The reprogramming call is generally under an hour and often takes approximately 15 to 20 minutes, depending on the machine.
Buy a New or Used ATM With Processing
If you are ready to buy an ATM machine, ATM Money Machine can handle the equipment and processing through one company. Processing is included when you purchase a new or used ATM from us. We establish the merchant ID, program the machine, and connect the equipment to our processing network.
We sell new and certified used ATMs from leading manufacturers, including Hyosung, Genmega, and Triton. If you are comparing a new ATM machine for sale with a used or refurbished ATM machine for sale, our team can help you identify an option that fits your location and budget.
Who Uses Our ATM Processing Services?
Our ATM processing services support businesses and independent ATM operators in a wide range of industries. Customers include:
We support both individual machines and growing ATM portfolios across all 50 states.
Merchant ID setup
ATM programming and reprogramming
Transaction processing across major networks
Transparent processing rates with no hidden fees
Real-time online transaction reporting
Text and/or email alerts for low cash, terminal inactivity, and error codes
Applicable compliance decals
Guidance with ATM transaction disputes and Regulation E claims
Processing for new and existing ATMs
Support for individual machines and multiple locations
Nationwide service and 24/7 technical support
ATM Processing Fees and Surcharge Revenue
Two questions come up before anyone changes processors: what the processing costs, and how the money the machine earns gets back to you. Both get a straight answer here.
There are no hidden fees. Your processing rate is explained in full before you sign, and the rate you are quoted is the rate you are billed, with no surprise line items appearing a few statements in. Rates do depend on your equipment, your location, and the volume the machine does, so contact us for a quote on your specific setup.
The surcharge is the fee charged at the machine when a cardholder withdraws cash, and it is the reason an ATM earns its place in a business. On a machine you own, that surcharge revenue is yours. Your transaction activity is visible in the online reporting portal as it happens, so you can see what the machine is bringing in without waiting for a statement.
How and when that revenue reaches you depends on how your ATM is set up and how it is loaded with cash. We walk through the specifics for your machine before you start processing, so there are no surprises after the first transaction.
ATM Processing for the Machines You Already Own
Our processing services support major ATM manufacturers, including Hyosung, Genmega, and Triton, along with other compatible equipment. If you already own an ATM and want to switch processors, send us the make, model, and serial number. Our team can review the machine and tell you what is needed to get started.
If you are still deciding which ATM to purchase, we can also help you compare equipment based on your location and intended use, whether you need an ATM for business, a retail ATM machine, or equipment for an ATM business.