The whats and whys of EMV noncompliance at merchant-owned ATMs

If you are an IAD or ISO with processing agreements currently in force for independently owned, EMV-noncompliant ATM locations, the $64,000 chargeback question is ... "What are you going to do?"

Like shooting fish in a barrel: How to land merchant ATM sites after EMV

Nearly 200,000 merchant-owned ATMs will not be EMV capable by the October Visa ATM liability shift deadline. So how does this movie end? While there are a number of possibilities, nearly all of them are opportunities for IADs who prepare now.

Half a million strong: A salute to the much-maligned ATM

The United States can now boast of having half a million ATMs (three-quarters of them independently operated) reliably serving citizens all over the nation — despite nearly constant assault from confused regulators, politicians and pundits.

Cardtronics battens down for the ATM industry's 'perfect storm'

In a Q2 earnings call, Cardtronics CEO Steve Rathgaber discussed the serious challenges facing ATM industry providers in the short term — and some surprisingly optimistic expectations for the long run.

An abandoned program still haunts ATM operators

When Operation Choke Point was halted and financial institution regulators were directed to pull back on enforcement, the ATM industry thought it could breathe a sigh of relief. Unfortunately, the bank account closures haven't stopped.

4 ways to make your ATM business more like Amazon

Amazon continues to provide a high-level example of catering to customers. By studying their methods, ATM companies can pinpoint the practices that have led to Amazon's success — and model those practices in their own business.

The new frontier in ATM deployments

In the years to come, creativity will be the lifeblood of the ATM industry, and this will mean taking a fresh look at who we consider a competitor or a partner. The lines are getting more blurred by the day.

For Canadian operator, life's about cattle, community service ... and ATMs

Alberta, Canada-based Jade Cash is a mid-size operation with approximately 800 ATMs. But what sets the 18-year-old business apart, aside from a hands-on team and top-flight service, is a penchant for agriculture and community.

Selling your ATM portfolio? Here's what buyers are looking for

While they have the acumen and attitude to start and run a business, what most business owners lack is an exit strategy. Here are answers to the questions IADs ask most frequently about the valuation and sale of their ATM business.

The IAD: Forging the way forward for the ATM

In the decades since the introduction of the ATM, independent ATM deployers have played a constant and expanding role, one that grows increasingly important as banks begin to partner with IADs to extend their reach and efficiency.

A passion for payments: Breaking the glass ceiling in the ATM industry

Embry's journey in payments has spanned several decades and has relied on a great deal of curiosity, gumption, team work, a little bit of luck ... and four major requirements for success as a career-oriented woman.

How the ATM helped one man live the American dream

When Sam Kandah finally got the opportunity to immigrate to the US, he made the most of it. He says being in the right place at the right time helped, but it takes more than luck to build a business that operates 15,000 ATMs and provides end-to-end services.

For Cardtronics, 'a choppier year than usual' ahead

After a long run of smooth sailing, Cardtronics hits choppy waters in Q1 as it navigates software issues, EMV and the integration of its largest-ever acquisition halfway around the world — all while tacking toward a new growth phase as a provider of in-branch ATMs.

7 earth-friendly facts about ATMs

As Earth Day organizers have worked to raise awareness of the impact of industrial activity on the planet, ATM-makers and deployers have worked to reduce their imprint on the environment.

Taxation without representation: As bad an idea as ever

ISOs around the country purchase their ATMs and parts from a network of manufacturers and grey market suppliers on the web. The implementation of an internet sales tax on these transactions would increase costs and almost certainly end up decreasing competition.

Reflections on ATMIA US 2017

With a full slate of speakers, panels, exhibits and meetings, the annual ATM Industry Association conference once again offered the opportunity to stay abreast of developments in the global ATM industry. Here is what we learned at ATMIA this year.

Cardtronics shares get a haircut in a 'transitional year'

Company execs explained during an earnings call that the loss of income from 8,000 U.S. ATMs combined with delayed EMV migration, a growing constant currency gap, and integration of the company's largest-ever acquisition will make 2017 a year of adjustment.

Big news: The top 10 ATM Marketplace features of 2016

From card-free access to cash recycling, here's a look back at the features that captured the greatest interest from ATM Marketplace readers in 2016.

ATM Marketplace: November's top 5 reads

November served up heaping helpings of innovation (branch transformation, cardless ATM access, brainstorming the self-service devices of the future) and contemplation (the ATM turns 50! And how does Cardtronics keep racking up those big quarterly earnings?) Here's what you might have missed.

How Cardtronics aims to capitalize on the 'snowball effect'

In Cardtronics' Q3 earnings report, CEO Steve Rathgaber outlined plans to keep the company's momentum growing by becoming the ATM infrastructure partner for FIs.

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