THE COMPARISON SERIES / 01

Same acronym.
Different experience.

A traditional ATM dispenses cash. A product marketed as a cashless ATM commonly uses a counter terminal for a point-of-banking transaction.

A guide for merchant decision-makers
A CLOSER LOOK

Details worth knowing.

Clear information for the next step in your decision.

01

Where the cash goes

With a cash-dispensing ATM, the customer withdraws currency and separately pays the merchant. A cashless ATM transaction may be presented as a withdrawal without the machine dispensing currency. That distinction matters for network rules.

02

What the location needs

A conventional ATM involves a cash supply, physical security, replenishment, and servicing. A counter terminal has different equipment needs, but still requires a valid processing arrangement and clear operating procedures.

03

What to compare

Assess customer demand for physical cash, total charges, space, servicing, and the confirmed payment workflow. A smaller device does not by itself establish a better fit or lower total cost.