Software

A software company creates the first pilot of an ATM application without using any physical ATM

Quick summary. A development company needs to validate and demonstrate a prototype/pilot of a new application for ATMs without depending on physical hardware. Thanks to Atmirage, they set up a 100% virtual environment that reproduces ATMs, host, physical media (cards, dispensers, etc.), and accessibility and error tests. Result: a viable applic

September 16, 2025

Quick summary. A development company needs to validate and demonstrate a prototype/pilot of a new application for ATMs without depending on physical hardware. Thanks to Atmirage, they set up a 100% virtual environment that reproduces ATMs, host, physical media (cards, dispensers, etc.), and accessibility and error tests. Result: a viable application, automated tests, and client demos without leaving the team’s laptops.

The challenge When prototyping an application for ATMs, common limitations block progress: the cost and logistics of having physical ATMs, waiting times to access real equipment, dependence on manufacturers, and the difficulty of reproducing errors or rare scenarios (expired card, empty cassettes, jams). In addition, it is necessary to validate EMV transactions and voice interaction for accessibility, which further complicates access to real tests.

The solution: piloting without hardware with Atmirage The company chose Atmirage as a virtual ATM simulator to build the first pilot without physical ATMs. This is how they used it, step by step:

They designed the ATM model with the Atmirage visual designer (they configured screens, devices, and physical media) and created several configurations to show the diversity of fleets.
They integrated and tested EMV transactions (level 2) in simulated mode: Atmirage reproduces the reader’s behavior and allows the use of imported or physical test cards via a PC/SC reader.
They activated the Host simulation to emulate responses (low balance, expired card, etc.), which allowed them to validate complete flows without connecting to the real host.
They generated failure scenarios (jams, empty cassettes) in seconds to check the software’s robustness against hardware errors that would take minutes or hours to reproduce on a real ATM.
They automated test suites and integrated results and logs into their pipeline for regressions and continuous quality control. Atmirage supports automation and on-premise or cloud deployment.

Practical results

Commercial demonstrations without logistics: the team was able to show the application to stakeholders and banks without moving a physical ATM.
Acceleration of time-to-market: iterative tests from the first line of code and automated regressions allowed for shorter delivery cycles.
Greater test coverage: EMV flows, host responses, and failure scenarios (including multilingual accessibility) were validated, which would be costly to reproduce with hardware.
Evidence and traceability: detailed reports and logs facilitated the client’s acceptance of the application.

In addition, the simulator has been tested in real environments by clients and has a high rating: 97% of users indicate that Atmirage significantly improved their testing processes.

Practical checklist to replicate this use case

Define the critical flows that you want to validate: withdrawal, deposit, balance inquiry, balance error, etc.
Create the ATM model in the Atmirage visual designer that reflects your application goal.
Prepare test cards (imported or physical via PC/SC) and configure EMV transactions.
Activate Host simulation to control responses and edge scenarios.
Automate tests and integrate reports into your CI/CD for regressions.
Prepare remote demos for stakeholders using the already created configurations (without hardware dependency).
Develop your application with our middleware Dwide that abstracts you from XFS and do your tests with Atmirage

If you want to set up a realistic, reproducible, and scalable application without buying or moving ATMs, Atmirage allows you to create that complete environment from day one: 100% virtual ATM, simulated host, EMV tests, automation, and accessibility validation—all remotely accessible from the team’s laptop. Are you interested in replicating this use case in your project? Write to us at info@serquo.com and we will help you.

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