Micro ATM – Cash Withdrawal at Retail Points
Chip & magstripe card withdrawals, balance inquiry, and mini‑statement—secure PIN pad entry, real‑time status, and clear settlement for agent networks.
What is Micro ATM?
Micro ATM enables card‑present banking at last‑mile retail points. Customers insert their debit card, enter a secure PIN, and perform cash withdrawal or balance inquiry routed over interoperable card networks through an acquiring bank.
- • Cash Withdrawal (CW)
- • Balance Inquiry (BE)
- • Mini Statement (MS) — where enabled
- • Interoperable debit cards; network & issuer coverage per acquirer
Note: Network/issuer support (RuPay/Visa/Mastercard) depends on the acquiring setup.
Why Anada for Micro ATM?
- ✔ Stable success rates with proactive monitoring & alerts
- ✔ Clear error codes, reversal tracking & dispute references
- ✔ Device provisioning, firmware updates & health checks
- ✔ Role‑based access, agent hierarchy & white‑label portal
- ✔ T+0/T+1 settlement options with downloadable MIS
How Micro ATM Works
1) Initiate
Agent selects service (CW/BE/MS) on terminal and enters amount for withdrawal.
2) Insert & Verify
Customer inserts card (chip/magstripe) and enters PIN on secure PIN pad.
3) Authorize
Transaction routed via the acquiring bank and card network; issuer authorizes.
4) Dispense & Settle
Agent dispenses cash on approval; ledger updates & settlement posted as per cycle.
Key Features
Secure PIN Entry
Encrypted PIN block with secure PIN pad; configurable risk rules & velocity checks.
Interoperable Networks
Support for multiple card schemes as per acquiring bank configuration.
Realtime Monitoring
Live dashboards, webhooks, and alerts for success rate, timeouts, and reversals.
Device Lifecycle
Provisioning, remote updates, terminal binding & device health telemetry.
Dispute Handling
Clear references for chargebacks, partial reversals, and offline advice reconciliation.
White‑Label Ready
Branding, multi‑tier commissions, and distributor/retailer hierarchy support.
Supported Devices
- • Android POS with integrated card reader & PIN pad
- • Dedicated micro‑ATM terminals (chip/magstripe support)
- • Optional biometric module for AEPS coexistence on POS*
*If using combined AEPS + card flows on the same terminal.
Terminal Provisioning
- • Merchant/agent onboarding & terminal mapping
- • Keys & certificates loaded as per acquirer SOP
- • Remote config, risk rule updates & app versioning
Eligibility
- • Registered agents/retailers under an approved partner network
- • Completed KYB/KYC (PAN, Aadhaar, address & bank proof)
- • Approved terminal and site readiness (power, connectivity)
Compliance
- • Acquiring bank & card‑scheme operating rules
- • Data protection, consent capture & audit logging
- • Strong operational controls for cash reconciliation
Settlement
T+0/T+1 settlement options with multiple windows as per volume and risk profile. Detailed MIS, agent ledger, and commission statements available in the dashboard.
Pricing
Per‑transaction fees and volume slabs with optional white‑label terms. Contact sales for a custom quote.
Micro ATM FAQs
Which cards are supported?
Interoperable debit cards. Actual coverage (RuPay/Visa/Mastercard) depends on the acquiring setup and issuer policies.
Is PIN always required?
Yes, for card‑present withdrawals. PIN is captured on a secure PIN pad with encrypted transmission.
What if a transaction fails?
We provide clear response codes and auto‑reconciliation. Reversals/chargebacks follow acquirer & scheme timelines.
Daily/txn limits?
Limits are set by acquirer/issuer and can vary. Configure per‑txn/day caps and velocity rules in your portal.
Launch Micro ATM with Anada
Onboard agents, provision terminals, and go live with clear SLAs and support.