ATM Equipment Help & Troubleshooting

Visa & MasterCard are reducing Interchange commission, how does that affect my ATM?

This does not affect the ATM surcharge; it only affects the additional 10% Interchange commission revenue you receive over and above the surcharge on this small percentage of transactions for these specific networks.

Effective April 1, 2005, MasterCard lowered the Interchange rate by $0.05 for Cirrus ATM transactions. These account for approx. 5% of all ATM transactions on our network. On October 1, 2005 Visa lowered the Interchange rate by $0.10 for Plus ATM Transactions. These account for approx 10% of all ATM transactions on our network.

If your ATM processes 500 transactions per month, the number of MasterCard/Cirrus based transactions is approx. 25 (5%) transactions. Your commission is reduced by $0.05 on those 25 transactions (approx. $1.25).

If your ATM processes 500 transactions per month, the number of Visa/Plus based transactions is approx. 50 (10%) transactions. Your commission is reduced by $0.10 on those 50 transactions (approx. $5.00).

How can your company pay me up to 110% of my ATM surcharge?

When a customer uses an ATM other than their own bank, there bank has to pay a fee to the ATM networks for “finding” the account and “routing” the transaction. The bank pays the network “Interchange” (Plus, Star, Cirrus, NYCE, Etc) and the network pays a small transaction fee (a portion of the “Interchange”. Since we don’t have any sales representatives to pay like other companies and our overhead is internet based, we are able to share that Interchange revenue with you for purchasing processing services directly from our web site. While the networks pay this fee to the ATM Company, not all ATM Companies share this with the ATM owner. Most ATM owners are charged a “pass-through” fee from various networks when they surcharge customers, this is sometimes referred to as an acquirer fee.

To sum it up, interchange is shared by ATM Depot with ATM Machine owners and Independent ATM Deployers “IAD’s” to help offset some of the fees passed through by the processing centers from the various networks. As of 2014, these fees vary by network from $0.01 to $0.18. Visa and MasterCard are the two largest nationwide networks that own the ATM Networks Plus and Cirrus respectively. These networks charge the most but fortunately, ATMDepot routes the transactions to these networks last and only when no other network can be utilized keeping network charges to a minimum.

How do I get my ATM switched over to

Simply click to “get started” and follow the wizard. You will be asked a series of questions regarding your ATM and your store location. The questions will fill in an online application that you will be emailed for a signature. Once you sign the paperwork and fax the documents to our office (mailing the originals with a copy of your Drivers License and a Voided Check, so the ATM funds can be put into your bank) our customer service team will create a program for your ATM (if you already have an ATM). On the other hand, they will arrange to ship your preprogrammed ATM if you purchased one directly from the web site.

What is the minimum Term for Processing with

Our initial contract term is only 2 years.

How do I make the term longer than the 2-years as stated on the agreement print out?

When you initially sign up, you select your term. Once your ATM begins processing, the term can not be changed. Please make sure you select the length of contract you want when you first sign up.

Will you pay me a referral fee if I tell you where a good ATM location is?

Sorry, we don’t do that.

We get calls and emails from many folks that know where an ATM would do great and want to be paid to tell us. If you’re not interested in owning or operating the ATM, or filling the ATM with money, you don’t have a vested interest in the ATMs performance. It has been our experience that these never make money.

How secure is the website, I am not that comfortable providing my personal information online.

Our digital security certificate is issued by COMODO one of the Premier Encryption Certificates available. Our certificate also includes up to $10,000 in Identity Insurance. Our SSL Certificate holds the same high standards that any financial institution and/or banking website does.

Do you work with location finders?

This is basically the same question as above, but can work if the location finder is also putting up cash.

Do you offer cash replenishment services?

Sorry, we don’t. It’s our experience that the costs far outweigh the benefits. If you have a really great location, you can contact an armored carrier such as Bantek to arrange for them to pick up your cash at a vaulting bank and fill your machines. They charge about $75 per drop.

What’s the difference between business hours safe (UL 291) and a Level 1 vault (UL291 level 1)?

The main difference is the weight of the cabinet and the thickness of the steel used.
The scope of UL 291 is directed at the construction and security of the ATM when operated as intended by an authorized customer. The ATM must provide a limited degree of protection against unauthorized removal of currency. The records of the transactions must be made in order that the customer may be debited for currency dispensed. A limited degree of protection is required against the removal or manipulation of the records.
One is the Business Hours (BH) and the other is the 24-Hour Level-1 safe. Both must withstand attacks from someone trying to rob the currency or alter the records. Both have environmental requirements. And both have endurance requirements.

What is the difference between a Business Hours ATM and 24 Hour Level 1 safe?

A Business Hours ATM is defined as an ATM that is available during business hours only. It must be under the observation of a responsible party. The money should be removed at the close of business. The metal of the Business Hours is not as thick as that of the Level-1. Business Hours security containers must withstand forceful attacks on the seams and door openings of the container. The attacker may use wires, lines, chisels, pry bars, and wrenches to try to gain entry or remove the currency. Attacks that are quiet are allowed to take 5 minutes. Loud attacks are allowed to take 2 minutes.

24 Hours Service Level-1 containers are defined as those ATMs that are available for use anytime of day. The steel that the security container is constructed of should have a tensile strength of 50,000 psi. Entry from the customer access panel into the currency area of the 24 Hour should resist attacks for up to 30 minutes. Attacks to remove currency will be made using fishing, trapping, and forcing techniques. Tools may be wires, hooks, pry bars, hacksaw blades, and certain other tooling that may be concealed in clothing. Attacks on the other portions of the security container may be made using picks and portable electric tools such as drills and grinders. It shall resist attacks for up to 15 minutes. Most Triton ATM containers have the security container portion of the ATM separated from the customer access panel area. Therefore, gaining access to the customer access area does not give entry into the security container.

Does an ATM have to meet any environmental requirements?

Humidity 85% for 24 hours. The ATM must maintain records and maintain the security of the currency.

Transient testing- simulates a brown out. Must pass 500 simulated brown outs without lessening the security of the currency or the accuracy of the records. Rain Test for Outdoor ATMs- will have a simulated rainstorm on the exposed control panel for 1 hour. No failures are allowed. Endurance test- must accurately maintain records and maintain security of the currency for 6000 successful dispensing transactions. Variable Temperature Test for Business Hours is +13°C to +35°C. For 24 Hour Level –1 indoor units 0°C to +35°C. For Outdoor units the outside portion will be tested from -35°C to +66°C. The ATM may fail to dispense but it must maintain records and maintain the security of the currency.

Should I use a surge suppressor?

Some of the ATMs sold today come with built in surge protection. However, it is always a good idea to place a surge protector in line with any electronic equipment. We personally recommend surge protectors be installed on both the power and telecom lines. Be sure to use a surge suppressor approved for your location.

The building inspector told me to get a GFI plug. What is this?

A GFI, Ground Fault Interrupt, outlet is used to decrease the chance of shock due to water. Most measure the flow of current between line and neutral. If there is a significant difference, the product assumes the current is flowing through ground-shock condition. It then opens the line. They do have to be checked periodically. Be sure the GFI you use is approved for your area.
Although ATM manufacturers don’t require a GFI outlet for an ATM, they do require that the outlet supplying power to the ATM be properly grounded (also referred to as an “Orange plug”).

What does the statement “The affect this unit has on Wall Fire Resistance Ratings has not been evaluated” mean?

You may see this or a similar statement on the Through-The-Wall (TTW) ATMs. Your local building codes may specify that a wall is to have a certain fire rating. Because a hole must be cut into the wall in order for the TTW to be installed, the fire rating of the wall may be affected. Be sure to check your local building codes to see how you are affected. The same advice is given for installing any equipment through a wall.

What is the Power Requirement for an ATM?

Standard 110V / 15 or 20A breaker. It uses about the same or less energy than a standard personal computer.

What forms do I need to send in to sign up?

Use our check list “click here” to make sure you send in all required forms.

Where I do send completed paperwork?

Fax completed sign forms to: 760-512-4125 and mail originals to:
ATM Depot
Attn: Noah W.
119 N. El Camino Real, Ste E-136
Encinitas, CA 92024