Micro-ATM (M-ATM)
A portable mini-ATM that turns any debit card into instant cash. Customers swipe their card, enter PIN, and withdraw cash at your shop — just like a regular ATM, only closer.
Overview
A compact, battery-powered banking terminal certified by the National Payments Corporation of India (NPCI). It connects to your smartphone over Bluetooth or USB and accepts any RuPay, Visa or MasterCard debit card — allowing customers to withdraw cash, check balance and view mini statements just like at a bank ATM.
What you can offer
Cash Withdrawal
Debit-card withdrawal with instant commission.
Balance Enquiry
Quick account balance checks.
Mini Statement
View last transactions.
Card-Based Fund Transfer
Transfer funds between accounts (select devices).
How it works
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1
Connect the device via Bluetooth/USB to your smartphone
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2
Customer swipes or inserts their debit card
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3
Select the service and enter the amount
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4
Customer enters their 4-digit ATM PIN
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5
Instant approval — dispense cash and share the receipt
Frequently asked questions
How is M-ATM different from AEPS?
M-ATM uses a debit card + PIN and suits urban/salaried customers; AEPS uses Aadhaar + fingerprint and suits rural/unbanked customers.
What are the withdrawal limits?
Up to ₹10,000 per transaction, governed by the card-issuing bank.
Which cards are accepted?
RuPay, Visa, MasterCard and Maestro — including magnetic-stripe and EMV chip cards.
When is cash settled?
On a T+1 basis (next working day), with instant commission crediting.
Is internet required?
Yes — 4G/Wi-Fi is needed; 2G/3G works for most devices.
What about failed transactions?
Automatic reversal within 1 to 7 working days if the card is debited but cash isn't dispensed.
What does the device cost?
₹2,500 to ₹5,500 as a one-time purchase.