What it is
A micro-ATM is a small card-swipe device that lets your customers withdraw cash from their bank account using their debit card and PIN — turning your outlet into a mini cash point.
Who it's for
Retailers in areas underserved by ATMs who want to offer everyday cash withdrawal to card-holding customers.
Your role as a partner
You swipe the customer's card on the micro-ATM, the customer enters their PIN, and you pay out the cash from your float. Limits and settlement follow the acquiring bank and network rules.
-
1
Customer swipes their debit card on the micro-ATM
-
2
Customer enters their PIN and the withdrawal amount
-
3
The transaction is authorised by the card network
-
4
You hand over the cash
-
5
You earn commission on the withdrawal
Ready to offer Micro-ATM to your customers?
Register FreeRequirements
- An active partner account with completed KYC
- A micro-ATM/card-swipe device
- Sufficient cash float at your outlet
Benefits
- Offer card-based cash withdrawal without a full ATM
- Serve card-holding customers near you
- Adds a daily-use service to your counter
Good to know
- Withdrawal limits are set by the acquiring bank and card network
- Requires a working device and the customer's debit card
- Uptime depends on third-party network availability
Frequently asked questions
What does the customer need for a micro-ATM withdrawal?
Their debit card and PIN. The card is swiped on the device and the customer authorises with their PIN.
How is a micro-ATM different from AEPS?
Micro-ATM uses the debit card and PIN; AEPS uses the Aadhaar number and fingerprint. You can offer both.
Offer Micro-ATM to your customers
Join the Stepway Online partner network — free to start.