ATM Network

What ATM Network does

ATM Network is a Master ATM Distributor operating as a division of NCR Atleos, the world's largest ATM provider. Founded in 1996 and headquartered in Atlanta, Georgia, the company sells ATM hardware (Genmega, Hyosung, Triton), processes transactions on the NCR Atleos network, and operates multiple merchant-facing programs including Turnkey (full-service ownership), Own and Load (merchant-owned), Placement (shared), and Cash Assist (merchant-owned with managed cash logistics). Its proprietary ATM+ software enables Bitcoin purchases via LibertyX, enhanced balance inquiry prompting, credit card segmentation, and currency conversion, while its Allpoint Network exclusive provides access to the world's largest surcharge-free ATM network covering 60 million cardholders across 1,000+ financial institutions.

The technology stack is built on NCR Atleos infrastructure with dual redundant data centers processing billions of transactions annually, hardened to Fortune 100 bank security standards, and TR31 compliance support. ATM Network generates revenue across five streams: ATM hardware sales (promotional pricing such as the Genmega 2500 at $2,795 with 60-month processing agreement), transaction processing fees (take-rate model shared with merchants in Turnkey programs), Allpoint-driven incremental foot traffic revenue, cash management services (armored carrier, cash forecasting), and recurring maintenance and support subscriptions.

The go-to-market is sales-led, with direct phone (888-749-0802) and website inquiry channels targeting independent retailers and SMB merchants alongside enterprise retail chains and financial institutions. Customer logos include Target, Costco, CVS, Walgreens, Citibank, TD Bank, Fifth Third, and BBVA Compass. The company benefits from its parent relationship with NCR Atleos (rebranded from Cardtronics in 2023 after Apollo Global Management's 2019 acquisition), giving it scale advantages in hardware procurement, processing infrastructure, and distribution that independent ATM distributors cannot replicate.

Name

ATM Network

Legal name

ATM Network

Website

https://atmnetwork.com

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

11–50 employees

Short description

ATM Network is a Master ATM Distributor and division of NCR Atleos that sells ATM hardware, processes transactions, and operates merchant programs (Turnkey, Own and Load, Placement, Cash Assist) for independent retailers, large retail chains, and financial institutions.

Ownership category

akta.pro rank

Product category

ATM Services and Payment Processing

akta.pro primary industry

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

akta.pro secondary industries

ATM Switching, Routing & Network Services (FSAMAOAD), ATM / Cash Access Network Schemes (FSAMAAAH)

Keywords

• ATM distribution
• ATM processing services
• Cash management services
• ATM program management
• Surcharge-free ATM network

Headquarters

HQ city

Houston

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. ATM Hardware Sales: Sale of ATM equipment including Genmega, Hyosung, and Triton ATMs. Promotional pricing available (e.g., Genmega 2500 at $2,795 with processing agreement).
2. Transaction Processing Fees: Fees earned from processing ATM transactions on their secure network. Revenue shared with merchants based on transaction volumes in Turnkey programs.
3. Allpoint Network Access: Free enrollment for merchants to join Allpoint surcharge-free network, driving additional transactions and foot traffic that generates revenue through increased transaction volumes.
4. Cash Management Services: Armored cash service, cash forecasting, and loading services for Turnkey and Cash Assist programs, managing cash logistics for merchant-owned ATMs.
5. Maintenance and Support Services: Technical support and maintenance services including extended warranties, first and second-line maintenance dispatching.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

ATM Network is a Master ATM Distributor and division of NCR Atleos offering a comprehensive ATM ownership experience. The company sells ATM hardware from Genmega, Hyosung, and Triton; provides four ownership programs (Turnkey, Own and Load, Placement, Cash Assist); delivers in-house transaction processing on dual redundant data centers; and offers proprietary ATM+ software with Bitcoin purchase capability via LibertyX. Merchants also gain access to the Allpoint surcharge-free network serving 60 million cardholders.

Product overview

ATM Network is a Master ATM Distributor and division of NCR Atleos offering a comprehensive ATM ownership ecosystem with multiple program models: Turnkey (full-service ownership), Own and Load (merchant-owned), Placement (shared ownership), and Cash Assist (merchant-owned with managed cash). The portfolio includes ATM+ proprietary software for enhanced transaction capabilities, Allpoint surcharge-free network access (world's largest with 60M+ cardholders), and Bitcoin purchase functionality via LibertyX partnership. ATM Network distributes hardware from Genmega, Hyosung, and Triton brands including G2500, Onyx, Nova, Halo II, MX 5200, and Triton Argo models. Additional services include ATM Processing (built on NCR Atleos network), Maintenance and Support, and ATM Extras (warranties, signage, wraps, wireless).

Differentiator

Problem solved

Functional benefit

Brands

• ATM+: Proprietary ATM software and solution package that enables cryptocurrency purchases, enhanced balance inquiry prompting, credit card segmentation, and currency conversion.
• Allpoint Network

Products and services

• Turnkey ATM Program Full-service ATM ownership program where ATM Network owns the equipment, supplies operating cash via armored carrier service, handles transaction processing, maintenance, and support, while the merchant earns a revenue share from transactions on their premises.
• Own and Load Program Merchant-purchased ATM program in which the merchant buys the ATM hardware, loads their own cash, and manages the ATM for maximum profit, with ATM Network providing transaction processing and ongoing support.
• Placement Program ATM ownership program in which ATM Network provides the ATM equipment while the merchant supplies and loads the cash, with shared operational responsibility between the two parties.
• Cash Assist Program Program in which the merchant owns the ATM while ATM Network manages cash forecasting, armored carrier service, monitoring, and first/second-line maintenance, priced on a per-transaction basis.
• ATM Processing Solutions Transaction processing service built on the NCR Atleos network, providing secure, high-speed connections to major and minor card networks via dual redundant data centers, included with ATM purchases or program agreements.
• ATM Maintenance and Support 24/7 technical support service with live operators, remote troubleshooting, and technician dispatch for merchants and distributors, including dedicated support phone lines.
• ATM Extras Suite of value-enhancing add-on products including Extended Warranties, ATM Signage and Toppers, ATM Wraps, and Wireless Connection solutions designed to improve ATM placement visibility and performance.
• Genmega G2500 ATM Retail and off-premise ATM from Genmega featuring configurable hardware options, NFC Tap capability, available at a promotional price of $2,795 delivered and installed with a 60-month processing agreement.
• Hyosung Halo II ATM Retail chain dispenser from Hyosung featuring enhanced security features and positioned as a best-value option, sold with included processing services and free shipping.
• Triton Argo ATM Next-generation ATM from Triton featuring an updated design, enhanced security elements, larger screens, and touchscreen or keypad options, distributed with included processing and free shipping.
• Hyosung MX 5200 ATM ATM from Hyosung with a striking design and advanced function options, ideal for bank-branded and retail locations that require greater security.
• Genmega Onyx ATM Modern ATM from Genmega featuring an up-to-date look and the latest technology features, distributed through ATM Network's Master Distributor program.
• Genmega Nova ATM Modern ATM from Genmega featuring a 17-inch HD touchscreen, proven security, and built-in revenue opportunities for merchants.
• ATM+ Software Platform Proprietary ATM software platform enabling Bitcoin purchases via LibertyX, enhanced balance inquiry prompting, credit card segmentation, and currency conversion capabilities.

Quantifiable outcome

• 80%+ of potential customers won't use ATMs with surcharges
• +2 more outcomes

Named customers9 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Six partnerships are on record, tiered core and flagship.

• NCR AtleoscoreOEM/ Whitelabel/ Licensing PartnerATM Network is a Division of NCR Atleos, the world's largest ATM provider. This parent relationship provides ATM Network with access to world-class processing infrastructure, dual redundant data centers, hardened security meeting Fortune 100 bank standards, economies of scale for hardware pricing, and the backing of a publicly traded corporation.
• Allpoint NetworkflagshipStrategic or Co-development PartnerAllpoint is the world's largest surcharge-free ATM network, exclusively available through ATM Network and NCR Atleos. The partnership enables merchants to attract the 80%+ of consumers who won't pay surcharges, with over 1,000 financial institutions and 60 million cardholders in the network.
• LibertyXcoreTechnology or IntegrationLibertyX partnership enables Bitcoin purchases at ATMs through the ATM+ software platform. Consumers can purchase Bitcoin using a debit card at LibertyX-enabled ATMs with option to receive bitcoins in minutes. No new hardware required and no set-up or ongoing fees.
• GenmegacoreChannel Partner/ Reseller/ DistributorGenmega is a major ATM manufacturer whose products (G2500, Onyx, Nova) are offered through ATM Network as a Master Distributor with competitive pricing. Featured promotional pricing of $2,795 for Genmega 2500 including shipping and installation.
• HyosungcoreChannel Partner/ Reseller/ DistributorHyosung is a major ATM manufacturer whose products (Halo II, MX 5200) are offered through ATM Network as a Master Distributor with competitive pricing. ATMs come with processing and free shipping.
• TritoncoreChannel Partner/ Reseller/ DistributorTriton is a major ATM manufacturer whose products (Argo) are offered through ATM Network as a Master Distributor with competitive pricing. ATMs come with processing and free shipping.

Scale indicators7 records

Recent moves6 records

Expansion highlights4 records

Others

• Genmega: ATM hardware manufacturer supplying Genmega G2500, Onyx, and Nova models distributed by ATM Network. Adjacent in the value chain as upstream OEM, with some end-customer overlap in direct-to-merchant ATM sales.
• Triton: ATM manufacturer whose Argo model is distributed by ATM Network. Competes indirectly via other distributors and direct sales for the same merchant ATM ownership market.
• Hyosung: ATM hardware manufacturer whose Halo II and MX 5200 are distributed by ATM Network. Also sells through other distributors and direct channels, serving the same merchant end-customers as ATM Network.

Direct peers

• RockitCoin: Bitcoin ATM operator and crypto services provider with U.S. footprint. Competes for crypto-at-ATM transactions that ATM Network captures via its LibertyX integration on the ATM+ platform.
• ATM USA: Master ATM distributor providing ATM sales, placement, and processing services to U.S. merchants. Direct competitor to ATM Network in the SMB merchant ATM ownership and placement market.
• Athena Bitcoin: Operates Bitcoin ATMs nationwide and provides crypto services, comparable to ATM Network's Bitcoin purchasing capability via LibertyX and competing for the same merchant placement opportunities.
• Bitcoin Depot: Largest Bitcoin ATM operator in the U.S. with thousands of crypto ATMs. Overlaps directly with ATM Network's LibertyX-enabled Bitcoin purchasing capability and competes for crypto-at-ATM mindshare in the same merchant locations.
• Pelicoin: Bitcoin ATM operator with locations across the U.S., competing for crypto-at-ATM transactions against ATM Network's LibertyX-enabled ATMs in convenience and retail locations.
• CoinFlip: Operates one of the largest networks of Bitcoin ATMs in the U.S., competing directly with ATM Network's LibertyX Bitcoin purchasing feature for crypto-at-ATM transactions at retail locations.
• National ATM Systems: National ATM deployer and Independent Sales Organization offering merchant ATM placement and processing programs. Competes with ATM Network's Turnkey, Own & Load, and Placement programs in the U.S. independent retailer segment.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/atm-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 ATM Network