FCTI

What FCTI does

FCTI, Inc. is a US-based financial technology and ATM services provider founded in 1993 and headquartered in Plano, Texas, operating as a wholly-owned subsidiary of Seven Bank, LTD. (TYO:8410), a Japanese publicly traded company with over $8B in assets. The company is the exclusive ATM provider for 7-Eleven throughout the United States, deploying and operating more than 8,500 ATMs at participating convenience store locations and reaching an estimated 33 million annual digital-out-of-home advertising impressions. FCTI is vertically integrated from hardware and software through cash logistics, marketing, and security operations.

The company's core technology platform is its patented MBA Technology, which enables multi-screen, mid-transaction advertising, BIN/PAN-based targeting of specific cardholders or competitor customers, and mobile eReceipt messaging. Product lines fall into three customer segments: ATM Placements (turnkey ATM-as-a-Service for retailers, including dedicated in-store promotions on HD digital toppers); ATM Participation & Branding (surcharge-free network access, full-color wraps, and custom messaging for banks and credit unions such as US Bank, MoneyPass, CO-OP, Xcel FCU, and Greater Texas FCU); and ATM.TV Advertising (digital out-of-home campaigns for consumer brands across 7-Eleven screens). The product stack is reinforced by off-site ATM placements at employer and community locations and a security partnership program with US Secret Service, FBI, ATMIA, and Hurst Jaws of Life.

FCTI generates revenue from four primary streams: ATM transaction fees paid by consumers, retailer placement fees for hosting ATMs, digital advertising sales through ATM.TV, and financial institution branding and participation programs. Pricing is not publicly disclosed and is negotiated per partnership. The go-to-market is enterprise field sales with dedicated Bank & CU Sales, Retail Sales, and Client Services teams, supported by content marketing and participation in industry associations including the National ATM Council, NACS, and ATM Industry Association. In 2025 the company expanded distribution via Velera to add 2,500 Speedway ATMs and launched a CommunityRewards coalition cashback loyalty pilot across 49 Miami ATMs, signaling continued investment in new channels and new revenue lines.

Name

FCTI

Legal name

FCTI, Inc.

Website

https://fcti.com

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

101–250 employees

Short description

FCTI is a US-based ATM services and financial technology company that operates the exclusive 7-Eleven ATM network of 8,500+ machines and provides branded cash access, digital out-of-home advertising, and targeted marketing to banks, credit unions, retailers, and consumer brands.

Ownership category

akta.pro rank

Product category

ATM Network Services and Digital Out-of-Home Advertising

NAICS

Media Representatives (541840)

SIC

Finance Services (6199)

akta.pro primary industry

ATM Deployers & Managed ATM Services (IAD/ISO) (FSAMAOAC)

Keywords

• ATM network services
• ATM-as-a-Service
• Digital out-of-home advertising
• ATM branding programs
• Retail ATM placements

Headquarters

HQ city

Los Angeles

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Operations, Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. ATM Transaction Fees: Revenue generated from ATM transaction fees charged to consumers accessing cash at FCTI-operated ATMs.
2. Retailer ATM Placement Fees: Fees paid by retailers for hosting ATMs on-site, providing customer convenience and generating incremental revenue beyond surcharge fees through advertising partnerships.
3. Digital Advertising (ATM.TV): Revenue from digital out-of-home advertising displayed on ATM screens across the 7-Eleven network, targeting consumers at high-traffic convenience store locations.
4. Financial Institution Branding Services: Fees from banks and credit unions for ATM branding, participation programs, mid-transaction messaging, and targeted promotions at retail ATM locations.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

FCTI provides ATM placement, operations, and management services to retailers, plus ATM branding, participation, and targeted digital advertising programs to financial institutions and consumer-brand advertisers. Its core platform is the patented MBA Technology, which powers ATM.TV digital out-of-home advertising across 8,500+ 7-Eleven locations and enables mid-transaction messaging and mobile eReceipt campaigns that monetize consumer attention during cash access.

Product overview

FCTI is a nationwide ATM and financial technology solutions provider offering a comprehensive product portfolio centered on ATM placements and digital advertising. The core offering consists of ATM-as-a-Service solutions for retailers (ATM Placements) powered by the proprietary patented MBA Technology platform. For financial institutions, FCTI provides ATM Participation & Branding and Branding Complete programs, enabling surcharge-free network access combined with full-color branding wraps and digital toppers. The advertising product suite includes ATM.TV Advertising (8,500+ screens in 7-Eleven locations), Mid-Transaction Messaging (patented technology delivering targeted content during ATM transactions), Mobile eReceipt Messaging, Dedicated In-Store Promotions, and Customized ATM Marketing services. FCTI also offers Off-Site ATM placement services for banks and credit unions to expand their footprint in targeted communities. The products work together as an integrated ecosystem where the ATM network provides distribution, the MBA Technology enables targeted advertising, and the digital components extend brand reach beyond the physical machine to mobile devices.

Differentiator

Problem solved

Functional benefit

Products and services

• ATM Placements ATM-as-a-Service solution providing top-rated machines, reliable access, innovative cash management, and complete daily operations for retail establishments including convenience stores.
• ATM Participation & Branding Program allowing financial institutions to increase brand recognition while providing surcharge-free cash and account access at over 8,500 7-Eleven locations throughout the United States.
• Mid-Transaction Messaging Patented advertising technology delivering images, updates, and custom content throughout the ATM transaction when users' attention is focused on-screen, providing 1:1 impressions.
• Off-Site ATM Placement Services ATM placement services for banks and credit unions to provide financial access at Select Employee Groups, employers, hospitals, and targeted community locations.
• Mobile eReceipt Messaging Digital receipt delivery technology that sends coupons, calls-to-action, and special messages directly to ATM users' mobile devices.
• ATM.TV Advertising High-definition digital-out-of-home (DOOH) advertising network providing brand access to over 8,500 screens located in 7-Eleven convenience stores nationwide.
• Dedicated In-Store Promotions High-definition digital topper and promotional space at the ATM for retailers to promote loyalty programs, products, and special offers.
• Customized ATM Marketing Development Professional ATM marketing development services to help financial institutions and advertisers build, test, and control targeted campaigns.

Quantifiable outcome

• 33 million retail store digital-out-of-home advertising views annually
• +2 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Six partnerships are on record, tiered core and minor.

• VeleracoreStrategic or Co-development Partner · 2 December 2025Velera is expanding its ATM network by adding 2,500 ATMs at Speedway stores across the US, increasing the total to 37,000 ATMs. FCTI serves as the ATM provider for this expansion, installing and operating ATMs at Speedway locations.
• CommunityRewards / Points4PurposeminorStrategic or Co-development Partner · 5 August 2025Partnership to expand card-linked coalition cashback loyalty program across FCTI-operated ATMs in Miami. Consumers can register via ATM screens and QR codes to earn cashback rewards from 7,000+ participating retailers.
• 7-ElevencoreOEM/ Whitelabel/ Licensing PartnerExclusive ATM provider for 7-Eleven convenience stores throughout the United States. FCTI operates 8,500+ ATMs at 7-Eleven locations, providing cash access, branded experiences, and digital advertising opportunities through ATM.TV.
• US Secret Service and FBIminorStrategic or Co-development PartnerFCTI actively works with US Secret Service and FBI, as well as State and Local Law Enforcement agencies to combat ATM crime and apprehend criminals responsible for ATM attacks.
• ATMIA / ATM Security AssociationminorStrategic or Co-development PartnerFCTI participates in the ATMIA and ATM Security Association, contributing to the ATM Criminal Activity Forum to identify new forms of attack and align the ATM community on security measures.
• Hurst Jaws of Life, Inc. (IDEX Corporation)minorStrategic or Co-development PartnerFCTI works with Hurst Jaws of Life to address the misuse of hydraulic rescue tools in ATM crimes. Hurst is committed to actively working with law enforcement regarding these crimes.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Others

• Loomis: Global cash-handling, ATM services, and smart-safe provider serving retailers, banks, and governments. Comparable to FCTI in the cash-logistics and ATM-operational layer that underpins a deployed-ATM business, though Loomis is cash-management-led rather than advertising-monetized.
• Genmega: U.S.-based ATM hardware manufacturer serving independent deployers and ISO operators with self-service terminal product lines. Adjacent ecosystem participant supplying ATM hardware to managed-service deployers like FCTI.
• Hyosung TnMS (Nautilus Hyosung): Leading global ATM manufacturer with strong U.S. retail-banking and convenience-store footprint. Adjacent hardware supplier to ATM-as-a-Service operators and a competitor in turnkey multi-vendor managed ATM deployments.
• Brink's: Operates one of the largest U.S. cash-in-transit and ATM services businesses, providing cash logistics, ATM management, and cash-recycling services to retailers and FIs. Adjacent to FCTI in the operating overlap of running ATM fleets and servicing retailer networks.

Direct peers

• Euronet Worldwide: Operates one of the largest independent ATM networks globally (Euronet/ATM America) alongside money-transfer and epayment services. Comparable to FCTI in managed ATM deployments, advertising-supported revenue, and multi-region retail partnerships.
• NCR Atleos: Spun out of NCR in 2023 as the world's largest independent ATM deployer/managed-services operator, NCR Atleos (formerly Cardtronics) directly competes with FCTI in U.S. ATM placements, branding, and surcharge-free networks. Most directly comparable peer given overlapping retailer/FI customers and similar ATM-as-a-Service model.

Broad incumbents

• NCR Voyix: Restaurant and retail technology platform (former NCR Corp after NCR Atleos spin-off) that retains ATM-related banking infrastructure interests. Less direct overlap now but historically the parent of the largest U.S. ATM deployer competitor and still relevant in adjacent banking hardware/software.
• Diebold Nixdorf: Global manufacturer of ATMs and broader banking/retail self-service equipment with managed-services operations. Overlaps with FCTI on ATM hardware deployment and FI/retail customer relationships, but competes across a much broader banking technology portfolio rather than specializing in retail-ATM advertising monetization.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/fcti-inc
• Xx.com/fctiinc

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about FCTI