When you become a retail ATM machine provider, it’s important to understand how it works. While they are designed to make each transaction easy and straightforward, some customers may still experience difficulties or remain unsure how to use them—and as the owner, they will look to you for answers.

Here is everything you need to know about using your ATM machine and its different retail features.

How to operate your ATM

Most retail ATM machines are similar, making it easy for customers to understand how to use them. Still, if someone is new to using them or is not sure how to perform a transaction, here are the basic steps involved in using an ATM:

  • Insert a debit or credit card into the machine to begin the transaction. The machine will usually keep the card throughout the transaction and return it when the customer has completed all transactions. Debit cards are the most commonly used cards, though some credit cards offer cash advance options. Customers should be aware that credit cards often charge fees for cash advances.
  • A language option is available on most ATMs to allow customers to select their native language and help them process transactions quickly. If you own an ATM in an area where multiple languages are spoken, you should ensure those languages are available on your retail ATM machine.
  • Customers will be required to enter their Personal Identification Number (PIN). This is typically four digits but might be longer. Customers will not be allowed to perform any transactions without this PIN. If they do not remember it, they must contact their bank for help in recovering it.
  • After entering a PIN, customers will need to select the service they require, such as withdrawing money from a checking account, withdrawing money from a savings account, checking balance, etc.
  • The customer will need to agree to the service fee before proceeding further. This is the fee you’ve set to generate revenue for your business. This feel is typically between $2 and $3 but can be as high as $5.
  • Once the customer agrees to their fee, their transaction will be processed, and money will be dispensed. However, in some cases, their transaction may be declined. This could be due to insufficient funds in the machine, inadequate funds in their bank account, or because their bank has blocked the transaction.
  • Once the transaction is complete, customers can choose whether they want a receipt showing their balance and transaction details.
  • The ATM will then return the card. If the customer has chosen a cash withdrawal, they will need to collect their money.

Retail ATM services

The most common reason people use an ATM is to withdraw money. However, there are many more reasons people will stop at an ATM. Typical services include:


Customers can choose fast cash, allowing for a quick withdrawal in set amounts labeled on the machine’s screen. The other option is a targeted withdrawal, meaning customers type in how much they want to withdraw. Withdrawals will be limited to the cash available in the machines (for example, only multiples of 10) and the daily withdrawal limit their bank has placed on their account and debit card.

As the ATM provider, you can choose a custom withdrawal limit to prevent your machine from running out of money or collecting additional fees for multiple transactions.


Many ATMs offer customers the chance to deposit money or checks by feeding it straight into the machine. For older machines, sometimes a deposit envelope and slip are required. It’s the owner’s responsibility to ensure they load these into the ATM. If it’s a modern ATM, it will automatically count large stacks of bills and won’t require an envelope.

Check account balance

Many people use ATMs to check how much they have in their account balance, either displayed on-screen or printed on a receipt. This can be helpful to know how much is available to withdraw.

Transfer money & pay bills

Some ATMs allow customers to transfer money between accounts. Some may even offer payment features for specific bills.

Setting up your retail ATM

Though it depends on which ATM you choose, some features can make your life easier. Some features of Hyosung ATMs include a light in the vault, which makes it easy to service the machine, security cameras, and multiple power cord holes to provide flexibility for where to place it.

Buying ATM machines for retail

There are many benefits to having a retail ATM machine. Over the years, we’ve helped thousands of companies throughout the U.S., Canada, and Mexico. Our retail ATM machines provide convenient experiences for customers. Find out about Hyosung retail ATM machine solutions by contacting us today, and discover how we can support you with our range of software and hardware options.

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