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ATM operation: full service from Pagateq
Paying with the girocard, still known to many people as the ec card, is becoming increasingly important as a means of payment. Nevertheless, around 60 percent of all payments were still made with cash* in 2020 - cash has not lost its importance in Germany.
The operation of ATMs is therefore still important. Banks aswell as the savings banks focused mainly on their own locations and inner-city areas. In addition, more and more branches are being closed due to budgetary restraints and as a result, ATMs are also being partially dismantled.
To close this gap, independent ATM operators offer so-called "White Label" ATMs, which can also be positioned outside bank branches at various locations.
As a payment institution, we at Pagateq are able to connect all conventional cash supply and disposal devices to our system. This includes attended and unattended cashpoints (ATMs) and cash recyclers (deposit machines). As a neutral player in the background, we offer all services required for processing.
*Source: Deutsche Bundesbank statistic "Zahlungsverhalten in Deutschland 2020 – Bezahlen im Jahr der Corona-Pandemie " from 14.01.2021
Our partners for girocard, credit cards and international debit cards
In our function as one of four head offices in the credit sector of the banking industry, we naturally have network connections to all important partners:
National "Kopfstelle" (operate host system) for girocard-processing of national debit cards track 3 / EMV
Credit card processors - processing credit cards track 2 / EMV
International transfer point or acquirer - processing of international debit cards
Credit banking industry personalisation office
This allows us to pass on each transaction directly to the right partner, making them more cost-effective and efficient.
Our services surrounding the operation of ATMs
By cooperating with partner companies, we are also able to offer further services, such as the arrangement of framework contracts for the provision of cash (value logistics contract, cash insurance contracts, etc.). In addition, we are able to provide the operating resource "cash" as well as the necessary acceptance contracts with the various credit card acquirers.
And another big advantage that speaks for us:
Since we do not maintain any end customer/private customer business ourselves, we do not advertise ourselves on the ATM. This provides you with another option for maximising your profits.
Your data is safe with Pagateq.
As a payment institution, we are partner of retailers, banks and independent ATM operators. In this context, only data that is required for payment processing is collected and processed. In doing so, compliance with the provisions of the Data Protection Act as well as the implementation of the requirements from PCI DSS is selfevident for us.
Consumer information
You have used one of our ATMs? Thank you very much for that. We hope you were satisfied with our service. However, if something did not work out, please contact us. We will take care of your request as soon as possible.
Information on the responsible supervisory authority and arbitration board can be found in our imprint.
ATM operation - The most important questions (FAQ)
As a payment institution, we at Pagateq have the possibility to connect almost all serviced or unserviced ATMs as well as cash recyclers to our system. As a neutral player, we take care of all services related to transactions at the machines. This applies to girocard, all major credit cards, but also international debit cards. In addition to routing the transactions, we offer a whole range of other services. These include the provision of a clearing bank code, individual charge control, clearing and settlement, payment clearing account management, complaints management, card handling and cash prediction.
Unattended ATMs are the classic devices for withdrawing cash in the self-service area of banks or savings banks. For some years now, however, they have also been installed by independent service providers at neutral locations with high end-customer footfall, e.g. at service stations, by retailers, in cinemas or in barracks.
Serviced ATMs include, for example, the devices in the checkout area of e.g. petrol stations or supermarkets where customers can not only pay but also withdraw cash directly.
Cash recyclers are machines where cash (notes and coins) can be deposited in addition to withdrawals.
We make it possible for service providers without their own BaFin licences to set up ATMs at so-called third-party locations (e.g. supermarket foyers, motorway service areas, cinemas, DIY warehouses, etc.).
As a bank, you can also make use of our services in cooperation with our partners. Simply use our contact form or reach us by phone at +49 228 9377-0. We will answer your questions and advise you in detail.
In comparison to classic ATMs, this is a so-called white-label product. This means that labelling using your corporate identity is possible. You are the visual identifier for the consumer. We remain in the background as your reliable and competent partner.
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