All Point

What All Point does

Allpoint Network is a surcharge-free ATM network connecting more than 55,000 ATMs across the United States and four additional countries (United Kingdom, Canada, Puerto Rico, Australia, and Mexico) — equivalent to approximately one in every twelve ATMs in the U.S. The network aggregates independent ATMs co-located in high-traffic retail stores including Target, CVS Pharmacy, Walgreens, Circle K, Speedway, and Casey's, and enables cardholders of participating institutions to withdraw cash without paying third-party ATM surcharges. The company extends its core withdrawal offering with Allpoint+, a deposit-enabled ATM service at select CVS, Walgreens and other prominent retailers that allows participating accounts to load cash at retail locations, effectively replicating branch functionality in non-bank settings.

The company operates a B2B2C business model in which banks, credit unions, prepaid card programs, and fintechs pay recurring participation fees to enroll their card products in the network, then deliver surcharge-free access to their account holders. Pricing for institutional participation is not publicly disclosed, while consumer-facing pricing is delivered through each card issuer's own fee schedule; non-network ATM surcharges typically range from $1.50 to $3.00. Supporting software includes the Allpoint ATM Locator (web and mobile, updated weekly) and the Allpoint Members Portal, which gives participating institutions access to network activity, transaction data, and co-branded marketing materials.

Allpoint is wholly owned and operated by NCR Atleos, which acts as the parent company providing infrastructure, deployment, and operational support for the network. The firmographic listing reports 1-10 employees, reflecting the lean operator team that sits within NCR Atleos' larger organization rather than the total economic footprint of the network. Allpoint's commercial strategy combines enterprise field sales to enroll new FI participants with self-serve consumer tools (locator and mobile app) that drive usage and visibility of the network among cardholders.

Name

All Point

Legal name

Allpoint Network

Website

https://allpointnetwork.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

1–10 employees

Short description

Allpoint Network operates a 55,000+ ATM surcharge-free network across the U.S. and four other countries, serving banks, credit unions, prepaid card programs, and fintechs via recurring participation fees and retail-anchored distribution. It is owned by NCR Atleos.

Ownership category

akta.pro rank

Product category

ATM Network Services

NAICS

Activities Related to Credit Intermediation (5223)

akta.pro primary industry

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

akta.pro secondary industry

ATM / Cash Access Network Schemes (FSAMAAAH)

Keywords

• Surcharge-free ATM network
• ATM network services
• Cash access solutions
• Retail ATM deployment
• Financial institution networks

Headquarters

HQ city

Houston

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Network Participation Fees: Financial institutions (banks, credit unions, prepaid card programs, fintechs) pay participation fees to join the Allpoint Network, enabling their cardholders to access surcharge-free cash withdrawals and deposits at Allpoint's 55,000+ ATM locations. This is a B2B subscription/recurring revenue model where member institutions pay for network access.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Allpoint operates a surcharge-free ATM network of more than 55,000 locations in premier retail stores (Target, CVS, Walgreens, Circle K, Speedway, Casey's) in the U.S. and internationally. Financial institutions—banks, credit unions, prepaid card programs, and fintechs—pay to participate and provide their cardholders fee-free cash access, with Allpoint+ extending the offering to include cash deposits at select locations. The company is owned and operated by NCR Atleos.

Product overview

Allpoint is a unified ATM network platform operated by NCR Atleos that provides surcharge-free cash access through 55,000+ ATMs in high-traffic retail locations. The core offering is the Allpoint Network, which enables banks, credit unions, and prepaid card programs to offer their customers fee-free cash withdrawals at partner retailers including Target, CVS, Walgreens, Circle K, and Speedway. Allpoint+ extends this by adding deposit capabilities at select locations. The portfolio also includes an ATM locator tool and a Members Portal for participating institutions to access network resources and transaction data.

Differentiator

Problem solved

Functional benefit

Brands

• Allpoint+: Deposit-enabled ATMs that allow users to load cash to participating accounts at select CVS, Walgreens and other prominent retail stores in major metropolitan areas.

Products and services

• Allpoint Network A surcharge-free ATM network providing cash access at over 55,000 locations worldwide in major retail stores. Banks, credit unions, prepaid card programs, and fintechs participate to offer their cardholders fee-free cash withdrawals.
• Allpoint+ Deposit-enabled ATMs at select CVS, Walgreens, and other retail locations that allow users to make cash deposits to participating accounts, expanding the core network with deposit functionality.
• Allpoint ATM Locator Web-based and mobile tool for finding surcharge-free Allpoint ATMs, with filters for Allpoint+ locations that accept deposits. Updated weekly to reflect network changes.
• Allpoint Members Portal Online portal for participating financial institutions to access network activity updates, review transaction data, download marketing materials, and manage portal administration.

Quantifiable outcome

• One out of every twelve ATMs in the U.S. participates in the Allpoint Network
• +2 more outcomes

Named customers4 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Ten partnerships are on record, tiered core and flagship.

• NCR AtleoscoreOEM/ Whitelabel/ Licensing PartnerAllpoint Network is owned and operated by NCR Atleos. NCR Atleos is the parent company providing the infrastructure and operational support for the Allpoint ATM network. As part of NCR Atleos, Allpoint is integrated into their suite of solutions for financial institutions.
• TargetflagshipChannel Partner/ Reseller/ DistributorTarget hosts Allpoint surcharge-free ATMs in their retail locations throughout the United States. Target is one of the premier retail partners providing high-traffic locations for the Allpoint ATM network.
• CVS PharmacyflagshipChannel Partner/ Reseller/ DistributorCVS Pharmacy hosts Allpoint surcharge-free ATMs, including select Allpoint+ deposit-enabled ATMs in their locations. CVS provides convenient, high-traffic retail locations for ATM access.
• WalgreensflagshipChannel Partner/ Reseller/ DistributorWalgreens hosts Allpoint surcharge-free ATMs including select Allpoint+ deposit-enabled ATMs. Provides widespread retail pharmacy locations for convenient cash access.
• Circle KcoreChannel Partner/ Reseller/ DistributorCircle K convenience stores host Allpoint surcharge-free ATMs at their retail locations, providing convenient access to cash for consumers.
• SpeedwaycoreChannel Partner/ Reseller/ DistributorSpeedway (now merged with Circle K) hosts Allpoint surcharge-free ATMs at their convenience store locations.
• Casey'scoreChannel Partner/ Reseller/ DistributorCasey's General Stores has added approximately 600 new surcharge-free Allpoint ATM locations in Arkansas, Kentucky, Nebraska, Oklahoma, Ohio, Tennessee, and Wisconsin.
• Participating BanksflagshipChannel Partner/ Reseller/ DistributorBanks participate in the Allpoint Network to provide their cardholders surcharge-free cash access at 55,000+ retail ATM locations without building their own infrastructure.
• Participating Credit UnionsflagshipChannel Partner/ Reseller/ DistributorCredit unions participate in the Allpoint Network to offer their members surcharge-free cash withdrawals and deposits at retail locations nationwide.
• Participating Prepaid Card ProgramscoreChannel Partner/ Reseller/ DistributorPrepaid card programs participate to provide their cardholders convenient surcharge-free cash access and deposit options through the Allpoint retail ATM network.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Green Dot Corporation: Prepaid card and banking-as-a-service provider that depends on cash access networks like Allpoint to serve underbanked customers. Comparable as a member-side customer (prepaid programs depend on Allpoint), and increasingly as a competitor via proprietary banking apps and Visa/Mastercard debit rails.

Direct peers

• SUM Program: SUM is a surcharge-free ATM network that enrolls financial institutions and serves cardholders across retail locations. Highly comparable on network business model, FI participation fees, and consumer-facing surcharge-free positioning.
• MoneyPass: Operated by Co-op Solutions, MoneyPass is the most direct U.S. competitor to Allpoint — a surcharge-free ATM network enrolling banks, credit unions, and card programs on a recurring participation fee model. Overlaps almost entirely in product, target customer, and revenue model.

Broad incumbents

• Euronet Worldwide: Operates one of the largest independent ATM networks globally, including retail ATMs in convenience and grocery locations. Comparable to Allpoint's retail-ATM placement strategy and consumer cash access offering, though it also runs epay and money-transfer segments.
• PLUS: Visa-owned global ATM network comparable to Allpoint's cross-border reach. Serves cardholders through participating FIs and retail locations, but is a global scheme inside Visa rather than a stand-alone surcharge-free consumer network.
• NCR Atleos: NCR Atleos is Allpoint's parent and the broader ATM hardware, software, and services business. It also operates the SUM surcharge-free network, making it both owner of Allpoint and a competitive platform across ATM infrastructure and network services.
• Cirrus: Mastercard-owned global ATM network. Comparable to Allpoint's international ATM access layer, with broad cardholder reach but positioned as part of a global card-network franchise rather than a domestic surcharge-free retail network.
• Diebold Nixdorf: Global ATM manufacturer and services provider whose hardware and managed-services footprint competes with NCR Atleos infrastructure that underpins Allpoint. Comparable at the ATM operations layer, though it does not operate a consumer surcharge-free network brand.
• Pulse: Discover Financial Services' debit and ATM network. Comparable as an established ATM/PIN-debit network serving FIs and cardholders, though it sits inside a much larger card-issuing business rather than a stand-alone surcharge-free network.
• STAR Network: Owned by Fiserv, STAR is one of the largest U.S. debit/ATM PIN networks. Comparable in routing ATM and PIN-debit transactions for participating FIs, but operates as part of a broader payments portfolio rather than a pure surcharge-free consumer network.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/allpoint
• Facebookfacebook.com/allpoint.network
• LinkedInlinkedin.com/company/allpoint-network

Revenue estimate

Valuation estimate

Number of profiles

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 All Point