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Payments for Canadian ATM operators.

Payments for ATM operators in Canada go both ways: settlements come in, and the carrier gets paid. Your debit card processor settles into one Invincible Pay wallet by EFT. You pay the carrier from the same balance.

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Video: how an ATM operator takes settlements in and pays its carrier from one wallet

Here's how money moves through Invincible Pay for an ATM operator. Take Keystone ATM Services. It runs cash machines in stores, bars and gas stations.

People use their debit cards at Keystone's machines to take out cash. The debit card processor then settles those withdrawals by EFT, straight into Keystone's wallet.

To keep the machines full, an armoured carrier regularly loads them with fresh cash. Keystone then pays its carrier or cash provider for that cash with one EFT from the same wallet.

That's how we help ATM operators, by taking in your settlements and paying your carrier from one wallet, so you can keep every machine stocked. Let Invincible Pay make your settlements and carrier payments the easy part of running your ATM business.

The company names and amounts in this video are examples.
Cash outSettlement inOne walletCarrier refillsCarrier paidHow money moves

What makes ATM payments hard with regular providers

Running cash machines means two kinds of payments every week: settlements coming in and the cash provider going out. Regular providers make both harder than they should be.

  1. Cash businesses get turned away

    A typical bank is wary of any business that moves cash. ATM operators can be turned away before anyone asks how their machines settle.

  2. Money in two places

    When settlements land in one account and your carrier is paid from another, part of every week goes on moving money between them.

One wallet for both sides of your ATMs

Your processor settles into the wallet by EFT, typically in 1 business day. Add your armoured carrier or cash provider as a beneficiary once, then pay it by EFT, or by a same-day wire when the cash is needed today.

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BeneficiaryAdded
Your armoured carrier
Name, bank and account details saved once
  • EFTTypically 1 business day
  • WireSame day, in CAD

Settlements and carrier payments in one history

Withdrawals come back to you as card settlements. The cash in your machines is bought from your carrier or cash provider. Both show up in the same wallet.

You see the week's settlements beside the payment for the cash your carrier loaded, without moving money between two accounts first.

Wallet activityWeek of October 19
An example week of wallet activity for an ATM operator
PaymentAmountBalance
Card settlementEFT received, Mon, Oct 19+$18,420.00$20,560.00
Card settlementEFT received, Wed, Oct 21+$17,960.00$38,520.00
Card settlementEFT received, Fri, Oct 23+$18,400.00$56,920.00
Your cash providerEFT sent, Fri, Oct 23−$52,000.00$4,920.00
Cash your carrier loaded this week$52,000.00Outside Invincible Pay
An example week. Your card processor's settlement days may differ.

What we'll ask an ATM operator

We'll ask about your machines, your processor and your carrier, so we can set up the flow of funds with you.

See our pricing

Bring your processor's settlement details to the call.
  • Your machines: how many you run, and the kinds of places they're in.
  • Your debit card processor, and how it settles your withdrawals today.
  • Your armoured carrier or cash provider, and how you pay them for the cash they load.
  • Your monthly volume: the settlements coming in and the carrier payments going out.
  • Your owners and directors: every director and officer, and anyone owning 25% or more, verifies their identity online.
  • Your FINTRAC registration, if you're registered as a money services business, with your AML compliance policy.

From application to first payment

1About 20 minutes

Apply online

Tell us what your business does and how money moves through it.

2Usually within 3 business days

Get approved

Our compliance team reviews your file and tells you if anything is missing.

3Within 5 business days

Start processing

Your wallet and deposit details are live, and your first payments can move.

Do some of your machines sell Bitcoin? See how Bitcoin ATM operators restock from their wallet. Other cash and transfer businesses start at payments for MSBs.

From a cash withdrawal to the next refill

One withdrawal at your machine, all the way to the next refill. The cash stays with your carrier; the settlement and the carrier's payment run through your wallet.

  1. At your machines

    People withdraw cash

    People use their debit cards to take out cash at your machines, in stores, bars and gas stations. The cash never passes through Invincible Pay.

    Outside Invincible PayDebit card withdrawals happen at your machines.
  2. Your card processor

    Settlements arrive by EFT

    Your debit card processor settles those withdrawals by EFT to your wallet's own deposit details, typically in 1 business day.

    EFT receivedDeposited
    $18,420.00Card settlement, Oct 19
  3. Your wallet

    Every machine, one balance

    Settlements for all your machines land in the same wallet, so the money for the next refill is already in one place.

    Wallet balanceCAD
    $56,920.00
    After 3 card settlements this week
  4. Your armoured carrier

    Fresh cash in every machine

    An armoured carrier regularly loads your machines with fresh cash. Invincible Pay doesn't handle physical cash.

    Outside Invincible PayYour carrier or cash provider loads the machines.
  5. One EFT

    Pay for the cash it loaded

    Pay your carrier or cash provider with one EFT from the wallet. If it has to arrive today, send a same-day wire instead.

    EFT sentSent
    $52,000.00To your cash provider

ATM operators ask us about settlements and carriers

No. Your armoured carrier loads your machines, and the cash never passes through us. We handle the electronic side: card settlements come into your wallet by EFT, and you pay your carrier or cash provider from it.
Yes. Your wallet has its own institution, transit and account numbers, so your processor can settle withdrawals straight into it by EFT. A settlement typically arrives in 1 business day.
With one EFT from your wallet, which typically arrives in 1 business day, or a wire the same day. You can also send Interac e-Transfers, up to $25,000 per transfer with no daily limit.
Yes. Machines in stores, bars and gas stations can all settle to the same deposit details. Tell us how your processor settles today, and we'll walk you through moving it.
The application takes about 20 minutes. We usually make a decision within 3 business days, and your deposit details can take settlements within 5, once we have your documents.

Keep every machine stocked

Ask us how settlements and carrier payments would run for your machines. We reply within 24 hours on business days.

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