ATM processing
ATM processing — transactions that settle, support that answers.
Every ATM needs a processor to route withdrawals to the banking networks and settle funds back to the owner. We provide processing for merchant-owned Hyosung and Genmega machines, with daily settlement and people you can actually reach.
Overview
How it works.
A good fit for
- Owners of merchant-loaded ATMs
- Businesses unhappy with their current processor’s service or settlement times
- Operators with several machines who want one processor and one report
- New ATM buyers
If you own your ATM, processing is the part you never see until it goes wrong: a machine that can’t connect, settlements that arrive late, a support line that routes you in circles. It’s also the part that decides how reliably your ATM earns.
BayTM sets up and supports processing for merchant-owned ATMs across California. We handle the application, program the machine, confirm settlement to your bank account and give you online access to transaction reporting. If you already own a machine, we can often move it to our processing — and tell you honestly whether it’s worth doing.
What’s included
Everything it takes to run properly.
- 01
Network connectivity
Secure routing of withdrawals and balance inquiries to the major ATM networks.
- 02
Daily settlement
Withdrawal amounts and surcharges settle to your business bank account on a predictable schedule.
- 03
Online reporting
See transactions, settlements and machine status per ATM, any time.
- 04
Programming
We program your terminal, surcharge and receipts, and update them when you ask.
- 05
Monitoring
Alerts for communication errors and low cash, so problems are caught early.
- 06
Human support
Questions answered by people who work with ATMs every day.
Getting started
Three steps.
- I
Review your machine
Tell us the make, model and age of your ATM and who processes it today.
- II
Apply and program
A short application, then we program the terminal and test transactions.
- III
Go live
Settlement begins to your bank account, with reporting and support from day one.
Good to know
How ATM processing works.
- This is ATM processing, not card payment processing. It routes cash withdrawals from your ATM to the banking networks and settles the funds back to you. It doesn’t process card sales at your register.
- Settlement timing follows a daily schedule on business days; weekend and holiday activity settles on the next business day. We’ll confirm cutoff times and timing for your bank during setup.
- Supported terminals include current Hyosung and Genmega models that meet network requirements. Older machines may need an upgrade.
- Fees depend on your setup and volume and are quoted before you switch.
Questions
About ATM processing.
Can you process an ATM I already own?
Usually, if it’s a supported Hyosung or Genmega model that meets current network requirements. Older machines may need an upgrade or replacement; we’ll tell you which.
How often do settlements arrive?
Settlement runs on a regular daily schedule to your business bank account. We’ll confirm timing for your bank during setup.
Is switching processors complicated?
Not usually. It’s an application and a re-program of the terminal, and we handle the technical side.
Request a processing review
Tell us about your machine and current processor.
We’ll confirm whether your ATM is supported, what setup involves and what it would cost.
Prefer to talk? Call (510) 747-8021.