What Edge One does

Edge One is a privately held financial technology and equipment provider founded in 1995 and headquartered in Stoughton, Wisconsin. The company serves two primary segments: financial institutions (community banks and credit unions) and small-to-medium retail businesses across eight Midwest states (Wisconsin, Illinois, Minnesota, Michigan, Ohio, North Dakota, South Dakota, and Montana). Its core offerings span NCR SelfServ ATMs, Hyosung and Genmega retail ATMs, Interactive Teller Machines (ITMs), teller cash recyclers (Atec, CIMA), Clover and Dejavoo POS systems, smart safes, credit card processing, and armored cash-in-transit services. Edge One operates as an Authorized NCR Sales and Service Provider, ranked as NCR's top global service partner among 550+ partners in 2019 and named NCR CONNECT Services Partner of the Year in 2024.

The company's technology stack includes three proprietary platforms: Edge Now (cloud-first, API-first transaction processing terminal handler with no-coding configuration and direct debit network connections), Edge Connect (cloud-native banking core integration platform enabling cardless authentication, bill payment, loan payments, and check cashing at ATMs), and Edge Complete (comprehensive ATM management outsourcing covering processing, cash replenishment, compliance, FLM/SLM maintenance, and reporting). COCARD Pay Center provides merchant payment collection with QuickBooks integration. Digital Banking solutions include Zelle integration and biometric authentication. Edge One holds PCI DSS and ADA compliance certifications.

Revenue is generated through hardware sales (one-time ATM, ITM, cash recycler, POS purchases), recurring managed services contracts (Edge Complete), transaction-based processing fees (ATM transactions, merchant credit card processing), maintenance subscriptions (FLM/SLM with guaranteed annual rates), armored cash-in-transit professional services, and a merchant services reseller program where partner financial institutions earn up to 30% revenue share for referred commercial customers. The company has grown both organically and through acquisitions, including the 2018 merger with Automated Business Machines (ABM), the 2021 acquisition of Midwest Financial Processing, and the November 2024 acquisition of Datrue Process Automation. Reported operational metrics include 98% ATM uptime, 99%+ customer retention, and 500+ successful ITM installations.

Name

Edge One

Legal name

Financial Equipment Sales and Services | Edge One

Website

https://edgeone.com

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

101–250 employees

Short description

Edge One is a privately held Midwest financial technology provider founded in 1995, delivering ATMs, ITMs, cash recyclers, payment processing, and managed services to community banks, credit unions, and retail businesses across eight Midwest states.

Ownership category

akta.pro rank

Product category

ATM and Financial Equipment Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (51821)

SIC

Finance Services (6199), Services-Computer Programming Services (7371)

akta.pro primary industry

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

akta.pro secondary industry

ATM / Cash Access Network Schemes (FSAMAAAH)

Keywords

• ATM sales and service
• ATM managed services
• Transaction processing
• Payment processing
• Cash handling equipment

Headquarters

HQ city

Stoughton

HQ country

United States

HQ region

North America

Offices10 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. ATM and ITM Equipment Sales: Sale of new and remanufactured NCR SelfServ ATMs, Interactive Teller Machines, and retail ATMs (Genmega, Hyosung). Also includes cash recyclers (Atec LTA series, CIMA AST series), POS systems (Clover, Dejavoo), currency counters, and smart safes. One-time hardware purchase or lease model.
2. ATM Transaction Processing: Edge Now platform enables ATM/ITM transactions. Edge One provides seamless processing services including simplified pricing, superior customer service, ACH and check payment options, quick dispute settlement, web reporting, and easy-to-understand monthly statements.
3. Merchant Services / Credit Card Processing: Credit card processing services with EMV, PCI compliant, and NFC (Apple/Android Pay) capabilities. Revenue from transaction fees and competitive rates. Dual pricing program allows merchants to pass credit card fees to customers. Revenue sharing with financial institution partners (up to 30% revenue share).
4. Managed Services (Edge Complete): Full-service outsourcing covering ATM ownership and operation including cash replenishment, compliance management, FLM/SLM, supplies replenishment, installation, reporting. Offered as a recurring managed services contract to financial institutions.
5. FLM / SLM Maintenance Services: First Line Maintenance (cash replenishment, consumables, basic troubleshooting) and Second Line Maintenance (advanced troubleshooting, hardware repairs, software updates) for ATMs, ITMs, cash recyclers, POS systems, and cash counters. Contracted services with guaranteed annual rates or time-and-materials billing.
6. Armor Services (Cash-in-Transit): Armored cash-in-transit services including deposit pulls, cash replenishment for ATMs/ITMs, and Bitcoin cash pulls. Less than 1% error rate with FLM-trained drivers and next-day replenishment reports.
7. COCARD Pay Center: Payment platform with subscription/fee structure. Offers surcharge options, flat-rate fee structures, and cash discount programs. 84% of payments received within one day. API and QuickBooks integration capabilities.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

Edge One sells, services, and manages ATMs, Interactive Teller Machines (ITMs), teller cash recyclers, POS systems, smart safes, and currency counters for community banks, credit unions, and retail businesses. The company also operates proprietary cloud-native transaction processing (Edge Now) and core integration (Edge Connect) platforms, plus managed services (Edge Complete), armored cash-in-transit (Armor Services), FLM/SLM maintenance, and merchant credit card processing.

Product overview

Edge One provides a comprehensive portfolio of financial technology solutions spanning hardware, software, services, and managed services for community banks, credit unions, and retail businesses. The product lineup centers on the NCR SelfServ Family of ATMs and Hyosung/Genmega retail ATMs for hardware, complemented by CIMA and ATEC cash recyclers for cash handling. Key proprietary platforms include Edge Now (cloud-native transaction processing), Edge Connect (core banking integration), and Edge Complete (comprehensive ATM management). POS offerings feature Clover systems and Dejavoo terminals, while smart safes come from FireKing and Armor brands. COCARD Pay Center provides payment collection functionality with QuickBooks integration. Services include armored cash-in-transit, FLM/SLM maintenance, compliance audits, and merchant services reseller programs. The company operates as an Authorized Sales and Service Provider for NCR with over 500 ITM installations and 18 years of managed services experience.

Differentiator

Problem solved

Functional benefit

Brands

• Edge Complete: Comprehensive ATM management and support program, formerly known as the ATM Manager Program. Covers transaction processing, cash replenishment, compliance, maintenance, and reporting for ATM/ITM operations.
• Edge Now
• Edge Connect

Products and services

• NCR SelfServ Family ATMs Walk-up and drive-up ATM hardware from the NCR SelfServ Family sold to financial institutions for advanced self-service banking capabilities.
• Interactive Teller Machine (ITM) ATM with remote teller capabilities enabling users to connect with remote live tellers for assistance and extended banking hours, for community banks and credit unions.
• Hyosung Halo II ATM Retail ATM from Nautilus Hyosung designed for bars, clubs, restaurants, stores, and other small businesses needing customer-facing cash dispensing.
• Genmega Retail ATMs Authorized Genmega retail ATMs including GT3000, G2500, Onyx Series, and wall-mountable Onyx-W models for retail and hospitality placements.
• Atec Teller Cash Recyclers Teller cash recyclers (Atec LTA-100, LTA-380, LTA-450) for bank and credit union branches, with multi-denomination recycling, counterfeit detection, and serial number recognition.
• CIMA Currency Recyclers Italian-manufactured CIMA cash recyclers (AST 9000, AST 7000 NT5, AST 7016) with multi-currency, multi-denomination, and high-capacity cassette options for teller operations.
• Clover POS Systems Authorized Clover point-of-sale hardware (Flex, Mini, Station Duo) for small and medium retail and hospitality businesses.
• Dejavoo Payment Terminals Dejavoo touch-screen credit card terminals (Z11, Z9, Z6) for merchants needing EMV, PCI-compliant, NFC-enabled payment acceptance.
• Smart Safes FireKing and Armor Safe cash-management safes including drop safes, fire-resistant models, CacheSYSTEM series, and networked CacheNET 5000 for retail cash handling.
• Edge Now Platform Proprietary cloud-first, API-first transaction processing platform for ATMs and ITMs with direct debit network connectivity and no-code dynamic configuration.
• Edge Connect Platform Proprietary cloud-native core integration platform that connects ATMs and ITMs to the banking core, enabling cardless/MFA authentication, bill payment, loan payments, credit card payments, check cashing, and money market balance access.
• Edge Complete (ATM Management) Full-service outsourced ATM management program covering transaction processing, cash replenishment, compliance, FLM/SLM maintenance, supplies replenishment, installation, and reporting for financial institution ATM/ITM fleets.
• COCARD Pay Center Cloud payment platform for vendors and merchants to send invoices and receive payments via text/email, with QR codes, recurring payments, virtual terminal, hosted payment pages, QuickBooks compatibility, and API integrations.
• Digital Banking Digital banking software for financial institutions featuring Zelle, biometric authentication (thumbprint, facial recognition), push notifications, ATM/branch locator, Skip-A-Pay, and business banking with ACH and wire transfers.
• Armor Armored Cash-in-Transit Services Armored cash-in-transit services for deposit pulls, ATM/ITM cash replenishment, and Bitcoin cash pulls in Wisconsin and Michigan, with FLM-trained drivers, on-truck cash counts, and next-day replenishment reports.
• ATM Repair Services Authorized ATM/ITM repair services for NCR, Tranax, Hantle, Genmega, and Hyosung hardware with same-day service response, toll-free help desk, and 30-day warranty on time-and-materials work.
• FLM/SLM Maintenance First Line Maintenance (cash replenishment, consumables, basic troubleshooting) and Second Line Maintenance (advanced troubleshooting, hardware repairs, software updates) for ATMs, ITMs, cash recyclers, POS systems, and cash counters.
• Compliance Audit Program (CAP) Compliance audit program for financial institutions covering PCI compliance, skimming device detection, tamper-proof verification, ADA access assurance, and audit-ready documentation.
• Credit Card Processing EMV- and PCI-compliant credit card processing with NFC support (Apple Pay, Android Pay), no long-term contracts, next-day funding, and competitive transaction rates.
• Dual Pricing Program Cash discount / dual pricing program for restaurants and retail allowing merchants to pass a minimum 3.50% credit card fee to customers, with average $12,000 annual savings and no contracts.
• Merchant Services Reseller Program Reseller program for financial institutions to offer merchant services (credit card processing, POS, retail ATMs, smart safes) to commercial customers, with up to 30% revenue share to the partner FI.
• ATM Processing Transaction processing services for dial-up, wireless, and IP ATMs with simplified pricing, ACH/check payment support, dispute settlement, web reporting, and monthly statements.
• ATM Wireless Solutions PCI-compliant encrypted wireless connectivity for ATMs using multi-point routing and direct payment gateway processor connections.
• ATM Marketing Services ATM branding and marketing solutions including custom logos, brand colors, fonts, backgrounds, buttons, receipt headers, and engagement touchpoints.

Quantifiable outcome

• 98% ATM uptime through managed services
• +7 more outcomes

Named customers12 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature5 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• Datrue Process AutomationcoreStrategic or Co-development Partner · 21 November 2024Acquisition of Datrue Process Automation, bringing knowledge and new opportunities. Datrue continues to deliver superior hardware, software, and service to financial institutions across North Dakota, South Dakota, Minnesota, and Montana. Smooth integration expected with no service interruptions for existing customers.
• Midwest Financial ProcessingcoreStrategic or Co-development Partner · 1 June 2021Acquisition of Midwest Financial Processing, a premium provider of ATM, safes, sales and service in the Midwest, effective June 1, 2021. Partnership expanded customer base in Minnesota, North and South Dakota markets.
• Automated Business Machines (ABM)coreStrategic or Co-development Partner · 31 December 2018Merger effective December 31, 2018 between Edge One (headquartered in Stoughton, WI) and ABM (headquartered in Toledo, OH). Combined Edge One's NCR ATM expertise with ABM's currency, coin, and check handling solutions. Enlarged coverage area to Wisconsin, Minnesota, Illinois, Michigan, Ohio, and Eastern Indiana. ABM brought 45+ years of customer service and experience in Cash, Coin, Check, and Document Solutions.
• Express ATM Services Inc.minorStrategic or Co-development PartnerMerger of Express ATM Services Inc. with Edge One, combining two market leaders to create a powerful ATM service provider. All existing contracts remained in place and service continued without interruption. Phone answering services were redirected to Edge One's Customer Service Center.
• NCR CorporationcoreTechnology or IntegrationAuthorized Sales and ATM Service Provider for NCR SelfServ Family of ATMs, offering new and remanufactured NCR ATMs to financial institutions. Edge One provides comprehensive NCR ATM solutions including sales, installation (via NCR Activate Enterprise platform), and service. Named NCR CONNECT Services Partner of the Year 2024 and ranked #1 globally among 550+ NCR partners for service in 2019.
• Nautilus HyosungcoreTechnology or IntegrationPartnership with Nautilus Hyosung for ATM and ITM solutions. Hyosung is one of the two primary ATM manufacturer families offered by Edge One alongside NCR. Hyosung products include Halo II ATM and other retail/banking ATM models.
• GenmegacoreTechnology or IntegrationAuthorized dealer of Genmega ATMs (GT3000, G2500, Onyx Series, Onyx-W) for retail businesses. Genmega products are highlighted as reliable ATMs backed by an unmatched parts and labor warranty.
• Clover (Fiserv)coreTechnology or IntegrationAuthorized dealer of Clover POS systems including Clover Flex, Clover Mini, and Clover Station Duo. Clover POS solutions are core to Edge One's retail payment offerings for small and medium businesses.
• Hantle (Tranax)coreTechnology or IntegrationAuthorized dealer of Hantle (Tranax) ATM equipment, one of the brands Edge One services and supports. Listed as an authorized service provider alongside NCR, Hyosung, Genmega, and Tranax/Hantle.
• Banking and Credit Union AssociationsminorOthersActive membership and participation in IACOA, ATMIA, CBAO, CBM, FEDgroup, Financial & Security Products Association, Illinois Bankers Association, Illinois Credit Union League, Michigan Bankers Association, Michigan Credit Union League, Minnesota Bankers Association, Minnesota Credit Union Network, National ATM Council, National Armored Car Association, Ohio Bankers League, Ohio Credit Union League, Wisconsin Bankers Association, Wisconsin Credit Union League, North Dakota Bankers Association, ICBND, and Stoughton Chamber of Commerce.

Scale indicators10 records

Recent moves8 records

Expansion highlights6 records

Broad incumbents

• Fiserv (Clover): Fiserv is the parent of Clover, the POS platform Edge One resells into retail banking customers, and a broader fintech competitor with merchant services, account processing, and digital banking (including Zelle, biometric authentication) that overlap with Edge One's Digital Banking and merchant services offerings.
• Brink's: Brink's is one of the two largest U.S. armored cash-in-transit providers and competes directly with Edge One's Armor Services for ATM cash replenishment, FI deposit pulls, and smart safe cash pickups across the Midwest.
• Loomis: Loomis is a national armored cash-in-transit specialist competing with Edge One's Armor Services (cash replenishment, deposit pulls, FLM-trained drivers, less than 1% error rate). Comparable in operational model for ATM/FI cash logistics but with substantially larger national scale.
• Block (Square): Square/Block competes with Edge One's credit card processing, dual-pricing program, and POS device offerings (Dejavoo/Clover) for the same SMB retail and restaurant customers, and offers next-day funding and contract-free terms similar to Edge One's positioning.

Direct peers

• Genmega: Genmega is a key ATM manufacturing partner of Edge One (GT3000, G2500, Onyx series, Onyx-W) and a competing supplier of retail ATMs into the same U.S. regional FI and SMB segments. Comparable in product positioning and channel economics.
• Heartland Payment Systems (Global Payments): Heartland, now part of Global Payments, is a large merchant services and payment processing platform directly comparable to Edge One's COCARD Pay Center, credit card processing, and dual-pricing program offerings to restaurants and retail businesses.
• NCR Atleos (NCR Voyix): NCR Atleos is the spun-off ATM and self-service banking business of NCR - it is both Edge One's largest partner (NCR SelfServ hardware, NCR Activate installation platform) and its principal national competitor as the largest ATM deployer in North America. Directly comparable on ATM managed services, transaction processing, and ITM deployment.
• Cardtronics (now part of NCR Atleos): Cardtronics was the largest independent ATM deployer in the U.S. before its acquisition by NCR; it is now combined into NCR Atleos. Operates a national ATM fleet plus managed services for retail and financial institution customers, directly overlapping with Edge One's ATM Deployers & Managed Services core offering.
• Triton Systems / ATM One: Triton is a major U.S. ATM manufacturer whose ATM One deployer division competes head-to-head with Edge One in regional ATM placement and managed services for community banks and credit unions. Comparable product breadth (hardware, processing, managed services) and customer segments.
• Hantle / Transax Systems: Hantle (Tranax) is a competing ATM manufacturer and deployer whose equipment Edge One services under warranty. Directly comparable retail and banking ATM product lines, with overlapping target customers in regional FIs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/EdgeOneLLC
• YouTubeyoutube.com/channel/UCu0-FQS9AyMMQn80-3VryxQ
• Facebookfacebook.com/EdgeOneLLC
• LinkedInlinkedin.com/company/edge-one-inc.
• Instagraminstagram.com/edgeonellc

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries3 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 Edge One