Software

Top 10 ATM software solutions

Here are the top ATM software solutions to get your ATM up and running.

Photo: Adobe Stock

March 25, 2025 by Bradley Cooper — Editor, ATM Marketplace & Food Truck Operator

Behind every great hardware solution is an innovative software package that keeps it running smoothly, and ATMs are no exception. ATM software solutions need to be reliable, innovative and easy to operate for customers. No one wants to drive up to an ATM and deal with an unreliable, clunky system that is difficult to use.

Even though cash usage is decreasing, as data from Tech.co reveals, ATMs are still necessary, and customers expect them to be able to perform basic banking tasks.

In fact, ATMs are growing more necessary as a way to keep the banking experience strong, even as branches decrease in number.

Gen Z also wants ATMs, as data from Insider Intelligence reveals that 42.4% consider proximity to an ATM as a major factor to consider before choosing a new bank.

As a result of all of these factors, customers want more from ATMs than simple cash withdrawals. They also want deposit, bill pay, balance check, cardless or contactless access and more. In order to meet these needs, banks need robust ATM software solutions.

Thankfully, there are many ATM software vendors that can provide these services and more. Read about ATM Marketplace's picks for top ATM software solutions down below.

ESQ Data Solutions

ESQ Data Solutions is a vendor agnostic software solutions provider that supports more than 100 financial institutions around the world.

Its primary service for ATMs is OperationsBridge, an ATM management solution that monitors the devices in real-time.

"OperationsBridge is a cutting-edge, vendor-agnostic ATM and endpoint device management solution designed to maximize uptime, optimize performance, and enhance security across ATM networks," Tarun Eric Dass, head of marketing at ESQ, said in an email interview.

When asked about its primary features, he offered the following traits:

• Monitoring to "always keep track of the health of your terminals and cash positions."
• "AI-Driven Incident Management – Proactive alerts, automates fault detection, root cause analysis, and predictive maintenance to prevent downtime. "
• "Automated workflows: Intelligent workflows streamline operations, reducing manual interventions and operational costs."
• Analytics to "optimize cash management, service efficiency, and customer experience."
• Vendor agnostic
• Fraud detection tools.
• Remote management, patch, configurations and more.
• Support for cloud or hybrid environments.

When asked what makes the solution stand out from others, Dass said, "ESQ is the only independent, vendor-agnostic software provider offering a global footprint of proven, ATM monitoring, management, and data-driven business insights deployments for more than 30 years. While competitors are tied to proprietary ATM hardware, OperationsBridge provides unmatched flexibility, cost efficiency, and performance by managing multi-vendor ATM networks from a single platform."

He also added that, "OperationsBridge doesn't just monitor—it automates, optimizes, and transforms ATM operations. With AI-driven predictive analytics, intelligent automation, and enterprise-grade security, it delivers a level of efficiency and insight that others simply can't match. Where legacy solutions rely on reactive troubleshooting, it prevents issues before they happen, cutting operational costs and improving uptime."

Serquo

Serquo is a software company that handles oft-overlooked needs of ATMs, particularly testing and quality assurance. In particular, it provides the suite of ATM software solutions called Atmosphere for a variety of quality assurance issues.

"Atmosphere addresses the challenges of testing ATM software by providing solutions that reduce dependency on physical ATMs, optimize testing workflows, and ensure thorough validation of application behavior under various scenarios. By leveraging Atmosphere, financial institutions and service providers can achieve higher efficiency, reduce costs, and improve the reliability of their ATM networks," María Ángeles Sierra, director of product management at Serquo, said in an email interview.

There are four primary tools that are a part of the Atmosphere suite. One of the main ones is Atmirage, which is an XFS ATM simulator. With this tool, end users can "test ATM applications without requiring physical hardware," Sierra said.

For example, a bank could test out EMV or biometric fingerprint features in a virtual environment. It also "enables testing across multiple ATM models and software versions."

The other tools include:

• Atmirage Testing Center for managing tests and generating reports in the virtual ATM lab. It also provides screen captures and audio validation for voice guidance.
• Repliqa, a host simulator to allow users to test out host responses "and automate tests for various scenarios."
• Qarterback, a testing assistance tool that provides guidance to testers in a step-by-step format complete with "comprehensive reports with evidence such as logs, receipts and screen captures."

When asked what makes the software stand out from competitors, Sierra pointed to its flexibility.

"Our solutions significantly reduce manual effort and streamline testing processes, enabling faster and more reliable QA cycles. Automated validations and comprehensive evidence reports minimize errors and enhance productivity," Sierra said. "We are always willing to update our solutions based on the needs of our clients and the market (Voice Guidance, XFS4IoT, new EMV schemes etc.)"

CR2

CR2's major ATM software solution is called BankWorld ATM, which aims to act as an end-to-end solution for banks.

The software suite provides client, switch and card management systems, which can support a number of services.

Some of these include:

• Biometric scanners.
• Cash recyclers.
• Statement printers.
• Cardless access.
• Bill payment.
• Funds transfer.
• Campaigns and promotions.
• Remittances.
• Card issuing.
• Account opening.
• Loan origination.

In addition, banks can use CR2's ATM Design Studio to create personalized banking offers for customers that they can see on the ATM screen.

Paragon Application Systems

Paragon provides a software solution for a different type of service: ATM testing through its VirtualATM solution. This allows deployers to test out ATMs without using physical devices.

"The key is our ability to virtualize the application software stack and combine it with our simulated devices to create virtual ATMs," Steve Gilde, director of market engagement, Paragon, said in an email interview. "The virtual ATMs are easily copied or cloned, reducing dependence on physical ATM hardware for testing. The virtual ATMs are also easily accessible 24x7x365 by remote resources, minimizing the requirement for resources to work in a physical test lab."

With these virtual ATMs, deployers can also share data and validate transactions, while identifying errors.

"The Paragon VirtualATM platform supports multiple automation options including the capability to record and playback transactions and a data-driven (RESTful) API that allows testers to interact with their virtualized ATM applications programmatically. Additionally, any ATM transactions can be captured and used for both automated regression testing and system performance testing," Gilde said.

Auriga

Auriga ATM software solution is WWS, which handles a variety of self-service devices, such as ATMs, kiosks, ITMs, assisted self-service terminals and cash recyclers.

"It provides the most complete set of functionalities available in the market ensuring a long -term protection of investment and freedom to evolve in supporting any future market requirements. New functionalities (e.g., DCC, International Money Transfer, SMS receipts), advanced customer access methods (e.g., contactless), identification capabilities leveraging modern technologies (e.g., Mobile Cash Withdrawal), local or remote assisted services (e.g., video collaboration) are just the most visible examples," Stefano Cipollone, business development manager, Auriga said in an email interview.

For banks in particular, Auriga provides its WWS Next Gen ATM and Branch as an all-in-one software platform that offers monitoring, cash management, forecasting, encryption, application whitelisting and more.

When asked what made Auriga's solution stand out, Cipollone said WWS acts as a "channel integration model."

"It implements a smart client/server architecture that makes managing ATM networks significantly more cost effective and productive," Cipollone said. "The PA-DSS validated server component runs on any system supporting a Java Virtual Machine. The terminal component is a CEN/XFS compliant, PA-DSS validated, smart client application that can run on any ATM hardware."

Euronet Worldwide Inc.

Euronet's primary ATM software solution is Ren ATM Management. According to its website, it aims to offer, "comprehensive tools you need to take command of your fleet and offer a richer customer experience through next-generation features & design concepts."

Its key features include:

• Contactless.
• Mobile banking integration.
• Interactive teller.
• Cash recycling.
• Video and image marketing.
• Utility payments.
• Dynamic currency conversion.

The system comes with the WYSISYG Designer and simulation tools for creating marketing campaigns.

KAL ATM Software

KAL's primary ATM software solution is Kalignite. This software suite is built to meet the needs of ATM fleets at scale, from local banks to global networks, Grace Hall, marketing specialist for KAL, said in an email interview.

"Our market-leading multivendor solutions enable ATM hardware devices from different manufacturers to work together perfectly while supporting the latest trends and technologies in the ATM channel. We provide a remote monitoring and management system (KTC), a fully integrated host transaction processing system (KTH), an all-purpose application for rich ATM functionality (K3A), and more," Hall said.

The ATM software platform supports all versions of XFS (an ATM software standard) alongside monitoring.

Some of its other features include:

• Cash and coin recycling.
• Cash and check deposits.
• Hardware simulator for testing.
• Supports security devices to prevent skimming along with alarms, sensors and cameras.

"KAL's software is specialized for ATMs and backed by 30+ years of world-class expertise. By supporting hardware from over 40 manufacturers, our solutions provide unmatched versatility – helping banks with ATM networks gain control, reduce costs, increase functionality, and improve competitiveness," Hall said.

NCR Atleos

Since NCR's separation into two companies, NCR's ATM branch Atleos provides its own ATM software solution, which are built into its ATMs but are tested for other manufacturers as well.

NCR's software is built to be scalable to large and small fleets and can work in an API and cloud-enabled system, according to its website. For U.S. and Canadian banks, NCR offers the Activate Enterprise software, which supports contactless, cardless, direct currency conversion, cash recycling and cash and check deposit.

The platform also provides marketing, management and interactive services.

NCR also offers its NDC Enterprise software for customers around the globe. It can handle not just traditional ATMs but also video-enabled ITMs and other self-service devices.

Diebold Nixdorf

Diebold Nixdorf has a Windows-based ATM software called Vynamic, a suite that supports ATMs and branches.

Some of the solutions in the suite include:

• Vynamic Connection Points for cash and branch automation.
• Vynamic Security that detects ATM attacks as they occur.
• Vynamic View to detect issues and solve remotely or send out maintenance as needed.
• Vynamic Transaction Middleware transaction processing platform based on a cloud-native, microservice architecture

"Vynamic software maximizes the performance of Diebold Nixdorf's hardware, in part by continuously deploying updates that enable the introduction of new functionalities. Vynamic software also enables service, acting as a pathway that allows financial institutions to augment or even outsource critical operations―like cash or security management―through streamlined, well-integrated solutions," Michael Engel, VP of banking software, Diebold Nixdorf, said in an email interview. "By leveraging common languages, tools and infrastructure, it allows for plug-and-play integration, especially with DN Series and DN AllConnect ServicesSM, to maximize performance and deliver enhanced consumer journeys."

Hyosung Innovue

Lastly, Hyosung Innovue provides its BlueVerse software to meet the needs of banks and retailers that place ATMs inside their stores.

It provides six major benefits, according to a digital brochure:

• Flexible architecture, which is compatible with cash dispensers, recyclers, video banking ATMs and more.
• Delivers dynamic transaction flows.
• Configurable UI which can meet local needs (such as different language options).
• Based on the XFS standard and is compatible with all major ATM manufacturers.
• Compliant with all major standards (EMV, PCI SSF version 1.1.).
• Connects directly to banking cores and offers split deposits, loan payments and more.

To get in touch with these software providers for your ATM needs, click here to check out our supplier page.

About Bradley Cooper

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Bradley Cooper is the editor of ATM Marketplace and Food Truck Operator. He was previously the editor of Digital Signage Today. His background is in information technology, advertising, and writing.

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ESQ Data Solutions

Smarter operations. Stronger business outcomes.

We are the only independent, vendor-agnostic solution with decades of proven global footprint in ATM/endpoint device management, monitoring, and data analysis deployments. Our enterprise-grade, multi-tenant solutions empower businesses of all sizes to gain full control over their network operations.

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Euronet Software Solutions

We move money in all the ways the world depends upon

Euronet Software Solutions, a division of Euronet Worldwide, is an industry leader in electronic transaction processing, providing solutions to financial institutions, retailers, service providers and consumers. Our solutions include Real-time Payment Hubs, ATM Fleet Management, as well as Credit, Debit, & Prepaid Card and Merchant Management.

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Hyosung Americas

Hyosung Americas is a global human experience maker that bridges the physical and virtual worlds. We do this by harnessing our unique combination of a manufacturer’s soul with an innovator’s mindset to build a platform of integrated products, services, and ideas that improve life’s day-to-day interactions for everyone.

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Serquo Software

Experience the power of 30 year in ATM's technology innovation

Serquo offers advanced simulation and testing tools for ATM applications, designed to maximize testing efficiency. Our solutions enhance quality, reduce development times, and lower costs in deployment phase.

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Paragon Application Systems

Paragon ATM simulation tools provide the features, functions and flexible automation options so that you can run more tests in less time - improving quality, shortening delivery cycles, reducing costs, fostering collaboration, and increasing channel profitability.

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Auriga

Auriga is a top international software solutions company, specialized in end-to-end systems that integrate the various delivery channels used in retail and internet banking.

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KAL ATM Software

KAL is a world-leading provider of multivendor ATM platform, application and management software, specializing in solutions for bank ATMs, self-service kiosks, and bank branch networks.

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CR2

CR2 is the leading global provider of innovative self-service banking solutions providing banks worldwide with robust and flexible ATM, Internet, Mobile, Kiosk and POS channels.

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Diebold Nixdorf

As a global technology leader and innovative services provider, Diebold Nixdorf delivers the solutions that enable financial institutions to improve efficiencies, protect assets and better serve consumers.

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