ATM:BUSINESS PROCESS
 

START OF DAY

  1. Agent fills PayPoint ATM with enough cash for one day’s trading
  2. Customer visits PayPoint ATM and inserts debit card into PayPoint ATM to withdraw cash

CASH WITHDRAWAL

  1. PayPoint ATM reads card to verify that a debit card has been used, and dials out to LINK for authorisation to issue cash.
  2. LINK receives this information, identifies and calls the card issuer to authorise the cash transaction
  3. The card issuer identifies the card and sends the successful authorisation back to LINK
  4. LINK receives the information and sends the successful authorisation back to the PayPoint ATM.
  5. The PayPoint ATM receives authorisation and dispenses the cash to the customer.

DAY CLOSE PROCEDURE

  1. At the end of each day the Agent must complete a ‘Day Close Procedure’ and balance the ATM.
  2. During the ‘Day Close Procedure’, the PayPoint ATM also dials into PayPoint’s Central Processing System to collect all the ATM transaction data for that day.
  3. This data is sorted into Agent files to direct credit the amount of money dispensed from the ATM into the Agent’s bank account 3 working days after it was dispensed from the ATM.
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