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Micro ATM

Card-based cash-out from a handheld device — a bank branch in your pocket.

What it is

Understanding Micro ATM

A Micro ATM turns any Sriyaan retail counter into a mini bank branch. Customers dip or swipe their debit card and enter their PIN to withdraw cash, check balance or view a mini statement — a reliable fallback wherever Aadhaar-based AEPS isn't an option or a customer prefers using their card.

Quick facts
Card supportRuPay, Visa, Mastercard
DeviceHandheld PoS
Cash-out limit₹10,000 / txn
SettlementSame day
How it works

From counter to commission, in three steps

01

Card & PIN entry

The customer dips their debit card into the Micro ATM device and enters their PIN, just like at a bank ATM.

02

Bank authorisation

The request routes securely to the customer's bank for real-time authorisation over encrypted rails.

03

Cash disbursed

Once approved, you hand over cash immediately and earn commission — the transaction reflects in your settlement ledger same day.

Why partners choose it

Built to run reliably at the counter

Card-network coverage

Supports RuPay, Visa and Mastercard debit cards across all major issuing banks.

Works where AEPS can't

A reliable fallback for customers with worn fingerprints or Aadhaar-linking issues.

PCI-DSS secure PIN entry

Card and PIN data are encrypted end-to-end on certified hardware.

Same-day settlement

Your commission and float are settled the same business day, tracked on your dashboard.

Who it's for

Where Micro ATM fits

Rural & semi-urban retail

Bring ATM-like cash access to areas with limited bank branch density.

Housing societies & local markets

Offer a trusted, familiar card-based cash-out option to regular customers.

Distributors

Bundle Micro ATM with AEPS for a complete cash-out counter.

FAQ

Common questions

Can't find your answer? Talk to our team.

Yes — the same Micro ATM hardware can accept card payments for your own retail sales alongside cash-out services.

Transactions time out safely with no debit; the customer can retry once connectivity is restored.

Most Micro ATM devices connect over GPRS/4G; a data SIM is required and can be bundled at the time of purchase.
Ready when you are

Start offering Micro ATM today

Register as a partner and our onboarding team will get you transacting within 48 hours.

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