What Is ATM Processing?

ATM processing refers to the backend services that enable an ATM to function properly. When a customer inserts a card and requests cash, or decides to deposit check or cash, the ATM processor routes the transaction through secure banking networks, verifies available funds, approves or declines the request, and ensures funds are settled correctly. When selecting ATM Processors, it is important to understand about what services they are providing you, and what networks they are registered for.

Services typically include:

• Secure transaction routing

• Full Network Registration

• Authorization and settlement

• Transaction reporting and reconciliation

• Compliance and security monitoring

Without ATM processing, an ATM cannot complete transactions or dispense cash.

Why Full Network Registration Matters

Choosing an ATM ISO that is registered with all major debit and credit networks—not just regional networks—is critical, especially in high-traffic and tourist-heavy markets.

Because New York sees a high volume of out-of-state and international card usage, ATMs must be able to process transactions across a wide range of domestic and global networks. Providers that are only registered with regional networks can unintentionally limit access, resulting in declined transactions, frustrated users, and lost surcharge revenue.

Best Products Sales & Service is registered as an Independent Sales Organization (ISO) with all major national and international ATM networks, ensuring broad card acceptance and reliable transaction processing for both domestic and foreign cardholders.

Our network registrations include, but are not limited to:

• Visa / PLUS

• Mastercard / Cirrus

• STAR

• Pulse

• NYCE

• Accel

• AFFN

• CULIANCE

• SHAZAM

• China UnionPay

• Discover

• American Express

• Diners Club

• QUEST

By working with an ISO that maintains full network connectivity, businesses benefit from higher transaction approval rates, improved customer experience, and increased revenue potential—regardless of where cardholders are from.

Surcharge-Free Network Access & Flexibility

In addition to full network access, Best Products Sales & Service is also registered with leading surcharge-free ATM networks, giving businesses greater flexibility in how their ATMs are configured and promoted.

Surcharge-free networks allow cardholders to withdraw cash without paying an ATM surcharge, which can significantly increase store foot traffic and customer visits. Many consumers actively seek out surcharge-free ATMs, making these networks a valuable tool for businesses focused on driving in-store traffic and improving customer experience.

We work with major surcharge-free networks, including:

• MoneyPass

• Allpoint

A key advantage of working with an experienced ISO is the ability to enable or disable surcharge-free networks on demand. These networks can be turned on or adjusted quickly to support promotions, seasonal traffic changes, or evolving business strategies—without disrupting ATM operation.

By offering both surcharge and surcharge-free options, businesses can strike the right balance between customer convenience, foot traffic, and revenue generation.

How It Works

Our ATM processing services are designed to be simple, secure, and scalable.

Transaction Authorization

Each transaction is securely routed through banking networks to verify account balances and approve withdrawals in real time.

Network Connectivity

We connect ATMs to major regional and national networks, ensuring reliable access for cardholders and consistent transaction performance.

Settlement & Reporting

Funds are settled accurately and on time, with detailed reporting available to track transactions, surcharge revenue, and machine performance.

Monitoring & Support

We actively monitor processing connections and provide ongoing technical support to minimize downtime and resolve issues quickly.

Who We Work With

Our ATM processing solutions support a wide range of customers, including:

• Retail businesses

• Financial Institutions

• Independent ATM owners and operators

Whether you operate a single ATM or manage a fleet of machines, our processing services scale to meet your needs.

Benefits Utilizing a Registered ISO

Choosing a reliable ATM processor helps protect revenue, reduce downtime, and improve the customer experience.

Key benefits include:

• No Middle Man

• Transparent settlement and reporting

• Free technical support

• Choice in Processing Platforms

• Lower Costs vs going through a middleman or Sub ISO

By working with an experienced ATM processing provider, businesses can focus on serving customers while knowing their ATM transactions are handled properly.

Compliance

ATM processing must meet strict security and compliance standards. Our processing services support industry requirements, including encryption and network security protocols, to help protect cardholder data and reduce fraud risk.

We stay current with network and inform you about compliance updates so your ATM remains operational and aligned with industry standards.

ATM Processing for New & Existing ATMs

New ATM Installations

If you are purchasing a new ATM, such as the Genemga G2500 or Hyosung Halo 2 we handle processing setup as part of the installation process, ensuring your machine is connected and ready to accept transactions from day one.

Existing ATMs

If you already own an ATM, we can transition your machine to our processing services with minimal disruption, improving reliability and support.

Why Choose Best Products?

Experience and support matters. Best Products Sales & Service offers:

• Decades of industry experience (since 1998)

• Trusted processing platforms

• Competitive processing rates

• Clear reporting and transparency

• Ongoing service and technical support

Our team works closely with each customer to ensure our ATM processing is reliable, secure, and aligned with your business goals.

Frequently Asked Questions About ATM Processing

What is included in ATM processing services?

ATM processing services include transaction routing, authorization, network connectivity, settlement, reporting, and ongoing monitoring and support.

Do I need ATM processing to operate an ATM?

Yes. ATM processing is required for an ATM to communicate with banking networks and complete transactions. Without ATM Processing, your ATM will not work whatsoever. 

Can you provide ATM processing for machines I already own?

Yes. We support both new and existing ATMs and can assist with transitioning processing services when needed.

Is ATM processing secure?

Yes. ATM processing uses encrypted connections and secure banking networks to protect transactions and cardholder information.

Get Started With Best Products Today! 

If you are looking for reliable ATM processing services, our team is ready to help. We work with businesses and financial institutions to ensure ATMs stay connected, compliant, and profitable.

Contact Best Products Sales & Service to learn more about our solutions and how we can support your operation.

Join 8,000+ Clients who Love Us!

Since 1998, Best Products Sales & Service, Inc. has been trusted by thousands of businesses, financial institutions and independent ATM deployer’s nationwide. From retail ATMs to cash automation, our clients know they can count on us for reliable service, honest advice, and support that goes the extra mile.

Our reviews reflect the same thing we’ve always believed: when you put service first, lasting partnerships follow.