Cardtronics
Cardtronics, a subsidiary of NCR Atleos Corporation, operates the world's largest retail ATM network through its Allpoint surcharge-free platform spanning 55,000+ ATMs in retail locations, serving 200+ financial institutions, fintechs, and prepaid programs with cash access and managed ATM services.
- Company typePrivate
- Founded1993
- HeadquartersHouston, United States
- Headcount1,001–5,000
- GTM typeB2B
- OfferingServices
What Cardtronics does
Cardtronics is the operating subsidiary of NCR Atleos Corporation that anchors the world's largest retail ATM network platform, supporting banks, credit unions, prepaid programs, and fintechs with cash access and managed ATM services. The core asset is the Allpoint surcharge-free ATM network, spanning more than 55,000 ATMs globally (40,000+ in the United States) across retail host locations including Target, Walgreens, CVS Pharmacy, Circle K, and Kroger, providing fee-free cash access to roughly 60 million consumers served by 200+ financial institution partners. The company also offers ReadyCode, an API-based cardless cash and deposit solution that enables any digital banking platform, fintech app, or call center to issue a numeric code that consumers can redeem at tens of thousands of ATMs.
The technology portfolio is organized as a platform-plus-modules architecture: the ATM Network and Allpoint form the consumer-facing distribution layer, complemented by ATM Branding (20,000+ branded machines), the NCR Atleos LocatorSearch location-services tool, and the ReadyCode cardless cash API. Underlying infrastructure includes the ATM as a Service managed services platform, ATM and ITM hardware (cash recycling, multi-function, and dispense ATMs), and a software suite covering ATM applications, management software, endpoint security, marketing software, and transaction processing. A Network Operations Center staffed by 225+ technical experts supports 24/7 monitoring of the global network.
The business model combines transaction-based revenue (surcharge and interchange fees from ATM withdrawals, deposits, and balance inquiries), managed services revenue (cash replenishment, maintenance, monitoring, and operational support for financial institutions), and enterprise contract revenue from ATM branding and network access programs sold to banks, credit unions, and fintechs. Pricing is quote-based, structured as multi-year enterprise contracts typically tied to transaction volume and network footprint. Go-to-market operates through three channels: enterprise direct sales to financial institutions, retail host partnerships that enable consumer distribution, and API-based integration via ReadyCode for fintech and digital banking customers. Cardtronics is reported to hold an estimated 35-38% share of the North America ATM Outsourcing Services market in 2025.
Cardtronics firmographics
Firmographics- Name
- Cardtronics
- Legal name
- Cardtronics
- Website
- https://cardtronics.com
- Company type
- Private
- Founded year
- 1993
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Cardtronics, a subsidiary of NCR Atleos Corporation, operates the world's largest retail ATM network through its Allpoint surcharge-free platform spanning 55,000+ ATMs in retail locations, serving 200+ financial institutions, fintechs, and prepaid programs with cash access and managed ATM services.
- Ownership category
- akta.pro rank
Cardtronics industry classification
Industry- Product category
- ATM Managed Services
- NAICS
- Credit Card Issuing (522210)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- ATM Deployers & Managed ATM Services (IAD/ISO) (FSAMAOAC)
- akta.pro secondary industries
- ATM / Cash Access Network Schemes (FSAMAAAH), Cash Access & Cardless ATM Withdrawal Services (FSAMAOAJ)
Keywords
Where Cardtronics is headquartered
LocationHeadquarters
- HQ city
- Houston
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Cardtronics business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Operations, Personnel, Infrastructure, Technology or R&D, Supply Chain, Marketing or Sales
Revenue model
- ATM Transaction Processing: Revenue generated from transaction fees for ATM withdrawals, deposits, and balance inquiries processed through the network. Financial institutions pay for access to the ATM network and transaction processing services.
- ATM Network Services: Managed services for financial institutions including ATM network access, branding programs, and operational support for ATM fleets. Revenue derived from service contracts with banks and credit unions.
- ATM Managed Services: Outsourced ATM management services including cash replenishment, maintenance, monitoring, and operational support for financial institutions looking to optimize ATM operations.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Multi-year contract | Custom enterprise pricing for financial institutions based on transaction volume and network requirements |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels4 records
Cardtronics product offering
Product offeringCore offering
Cardtronics operates the world's largest retail ATM network through the Allpoint surcharge-free platform with 55,000+ ATMs globally, providing financial institutions, prepaid programs, and fintechs with fee-free cash access for their customers. The company offers ReadyCode cardless cash access via API, ATM branding programs, ATM as a Service managed services, ATM hardware (cash recycling, multi-function, ITMs), and supporting software including management, endpoint security, and transaction processing solutions.
Product overview
Cardtronics operates as part of NCR Atleos Corporation, providing the world's largest retail ATM network and comprehensive self-service banking solutions. The portfolio is organized as a platform-plus-modules architecture centered on the ATM Network and Allpoint (the largest surcharge-free ATM network with 55,000+ ATMs), complemented by ReadyCode (cardless cash access via API), ATM Branding services, and LocatorSearch. Supporting infrastructure includes ATM as a Service (managed services platform), ATM and ITM hardware/software solutions (cash recycling ATMs, multi-function ATMs, management software, endpoint security, marketing software, transaction processing), and professional services (ATM Management Solutions, Enterprise Network Services, Advisory and Consultancy). The Allpoint network and ReadyCode API work together to enable financial institutions, prepaid programs, and fintechs to deliver fee-free cash access and deposits across retail locations.
Differentiator
Problem solved
Functional benefit
Brands
- Allpoint: The largest surcharge-free ATM network operated by NCR Atleos, originally developed through Cardtronics operations
- ReadyCode
Products and services
- Allpoint The world's largest surcharge-free ATM network offering cash access at over 55,000 ATMs in retail locations including Target, Walgreens, CVS Pharmacy, Circle K, and Kroger. Allpoint serves financial institutions, prepaid programs, and fintechs with fee-free banking access.
- Allpoint+ Deposit ATMs Deposit ATMs that extend Allpoint convenience to cash deposits, available in many of the top metropolitan areas across the US.
- ReadyCode
Quantifiable outcome
- 60 million consumers have access to surcharge-free cash through Allpoint network
- +2 more outcomes
Companies that use Cardtronics
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles3 records
Cardtronics technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Cardtronics partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core.
- TargetcoreTarget hosts Allpoint ATMs in retail locations across the United States as part of the surcharge-free ATM network. Cardtronics/NCR Atleos operates ATMs in Target stores, providing convenient cash access for Target shoppers who are customers of participating financial institutions.
- WalgreenscoreWalgreens serves as a retail host location for Allpoint surcharge-free ATMs, enabling pharmacy customers to access cash without fees at convenient neighborhood locations.
- CVS PharmacycoreCVS Pharmacy locations host Allpoint ATMs as part of the surcharge-free network, providing cash access to customers visiting pharmacy and retail locations.
- Circle KcoreCircle K convenience stores host Allpoint ATMs, providing surcharge-free cash access at convenient locations for consumers on-the-go.
- KrogercoreKroger grocery stores host Allpoint ATMs in their retail locations, providing cash access to shoppers at supermarket locations across the network.
Scale indicators7 records
Recent moves6 records
Expansion highlights5 records
Cardtronics competitors and assessment
Company assessmentBroad incumbents
- Fiserv: Fiserv provides merchant acquiring, payments processing, and digital banking platforms to financial institutions. It competes at the broader fintech infrastructure layer where Cardtronics' Allpoint and ReadyCode serve as complementary distribution for FI customers.
- NCR Atleos Corporation: NCR Atleos is the publicly-traded parent of Cardtronics and itself offers the broader ATM-as-a-service, Allpoint network, and ITM solutions portfolio. While the entities are linked, NCR Atleos is the broader market-facing brand through which Cardtronics' offerings are sold.
- Jack Henry & Associates: Jack Henry provides core banking, payments processing, and digital banking technology to community banks and credit unions, a customer base that overlaps significantly with Cardtronics' 200+ financial institution clients.
- Global Payments Inc. Global Payments is a major payments technology company offering merchant acquiring, issuer solutions, and business solutions. It overlaps with Cardtronics' payments and transaction processing value chain at the FI and merchant services layer.
- FIS (Fidelity National Information Services): FIS is a large financial technology provider serving banks, capital markets, and merchants with processing, payments, and digital banking software. It overlaps with Cardtronics in serving financial institutions and processing ATM/payment transactions, though at a much broader portfolio level.
Direct peers
- Diebold Nixdorf: Diebold Nixdorf is a leading global provider of ATM hardware, software, and managed services to financial institutions and retailers. It competes directly with Cardtronics/NCR Atleos in the ATM-as-a-service and managed services market.
- Euronet Worldwide: Euronet operates the EFT segment which deploys and manages ATMs globally, including in retail locations, and provides cardless and surcharge-free cash services. It is the most direct global peer to Cardtronics in outsourced ATM operations.
Regional players
- Loomis AB: Loomis is a Sweden-based cash handling, cash-in-transit, and ATM services provider with strong European presence. It is comparable to Cardtronics in ATM services and cash management but operates primarily outside the US market.
Emerging players
- Brink's Company: Brink's provides cash-in-transit, cash management, ATM services, and digital retail solutions. It competes in adjacent cash management and ATM servicing segments that overlap with Cardtronics' managed services and ATM-as-a-Service offerings.
Others
- PayPal Holdings: PayPal is a digital payments and wallet provider that, while not a direct ATM operator, competes in the broader cash-displacement and digital-payment ecosystem that influences demand for cash access services like Cardtronics' ReadyCode.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Cardtronics social profiles
Digital presenceCardtronics financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cardtronics leadership team
Management profileNumber of profiles
Profiles5 records
Cardtronics funding detail
Funding detailFunding overview
Funding rounds2 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cardtronics M&A and investment
M&A and investmentM&A21 records
Investments3 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Cardtronics
What does Cardtronics do?
Cardtronics operates the world's largest retail ATM network through the Allpoint surcharge-free platform with 55,000+ ATMs globally, providing financial institutions, prepaid programs, and fintechs with fee-free cash access for their customers. The company offers ReadyCode cardless cash access via API, ATM branding programs, ATM as a Service managed services, ATM hardware (cash recycling, multi-function, ITMs), and supporting software including management, endpoint security, and transaction processing solutions.
Is Cardtronics a public or private company?
Cardtronics is a private company. It is classified as corporate owned and is currently operating.
When was Cardtronics founded?
Cardtronics was founded in 1993. It employs 1,001 to 5,000 people.
Where is Cardtronics based?
Cardtronics is headquartered in Houston, United States, in the North America region.
How does Cardtronics make money?
Three revenue lines are on record. ATM Transaction Processing is the primary driver. The others are ATM Network Services and ATM Managed Services.
Who are Cardtronics's main competitors?
Broad incumbents on record are Fiserv, NCR Atleos Corporation, Jack Henry & Associates, Global Payments Inc. and FIS (Fidelity National Information Services). Direct peers are Diebold Nixdorf and Euronet Worldwide. Loomis AB is listed as a regional player. Brink's Company is listed as an emerging player. PayPal Holdings is listed as an others.
Does Cardtronics have an API?
No public API is recorded for Cardtronics.
What industry is Cardtronics in?
Cardtronics's product category is ATM Managed Services. Its primary akta.pro industry code is FSAMAOAC, ATM Deployers & Managed ATM Services (IAD/ISO), with a secondary code of FSAMAAAH, ATM / Cash Access Network Schemes. Its NAICS code is 522210 and its SIC code is 6199.