Mini ATM & card swipe machine

A card-swipe device that lets a customer withdraw cash from your counter using their debit card and PIN. It does the cash-out part of an ATM without the machine, the cabin or the guard.

AEPS authenticates with an Aadhaar number and a fingerprint. A Mini ATM authenticates with a debit card and a PIN. Same outcome for the customer, different hardware and a different kind of customer — many people have a card and no Aadhaar-linked biometric experience, and vice versa.

Your own till. That is the thing to understand before adding it: you are effectively lending your cash float to customers and being settled for it afterwards. If your counter does not hold cash, this service does not fit.

Related but not identical. A payment terminal takes money from a customer for a purchase; a Mini ATM gives cash out. Some devices do both. Tell us which you actually want, because they are onboarded differently.

A card-reading device supported by the issuer you are onboarded under, a smartphone or computer, internet and a printer. The device is the real cost of starting.

Set by the bank or issuer, per transaction, so it is quoted on enquiry rather than published here. Ask us for the figure that applies to your arrangement.

Limits are set by the issuer and by the customer's own bank, and they change. We will tell you what applies to your account when you ask rather than print a figure that ages badly.

It reverses. Take the transaction reference, tell the customer plainly that a reversal takes a little time, and do not hand over cash against a failed transaction on the assumption it will settle.

You need a counter that holds cash and has footfall. This is one of the few services here where a purely online setup is not workable.

It is worth adding where there is no ATM nearby and people know it. In an area with three working ATMs on the same road, the case is much weaker, and we will say so.