ATM Processing Services – EFX Financial Services
- Home
- ATM Processing Services – EFX Financial Services
Reliable. Transparent. Built for the Future of ATM Networks.
At EFX Financial Services, we don’t just provide ATM processing—we deliver a complete, relationship-driven solution backed by over two decades of innovation, compliance, and hands-on support. Whether you’re an Independent ATM Deployer (IAD), ISO, business owner, merchant, or ATM deployer, our proprietary technology and client-first approach put you in control of your ATM network with transparency, flexibility, and efficiency.
Why Choose EFX for ATM Processing?
EFX is not your average ATM processing company. While many competitors still rely on legacy software systems and impersonal service models, we’ve built a platform that reflects the future of ATM transaction processing—secure, scalable, and operator-focused. Our proprietary software, Sibi Systems, gives you an unmatched level of transparency and operational control, allowing you to maximize profits and streamline every aspect of your ATM machines network.
We proudly serve:
Independent ATM Deployers (IADs)
Looking to grow their footprint and reduce costs
ISOs
Seeking a strategic partner with superior backend technology
Merchants
Who want to offer cash access and increase in-store sales
ATM Deployers
Needing dependable, scalable ATM transaction solutions
Business Owners
Aiming to generate passive income through ATM placements
Secure and Cost-Effective ATM Transaction Processing
Security and affordability should never be mutually exclusive. At EFX, we combine bank-grade security with one of the most competitive pricing structures in the industry. With our in-house software, low-cost infrastructure, and long-standing partnerships with trusted financial institutions, we help you operate more efficiently and profitably.
Key features of our ATM processing platform include:
Fully PCI-certified data centers
100% interchange pass-through
No hidden fees or “miscellaneous charges”
100% of the surcharge revenue directly to you
Dynamic Currency Conversion (DCC) revenue sharing
Real-time transaction reporting and monitoring
Online terminal management tools
System-wide transparency and uptime tracking
We offer flexible pricing models tailored to your business—whether you’re operating 10 machines or 1,000.
Powered by Sibi Systems: Our Proprietary Processing Platform
What sets EFX apart is Sibi Systems, our proprietary processing engine designed to give operators a clear and powerful view of their network. While many processors rely on outdated third-party platforms, we control our own infrastructure—offering unmatched agility, transparency, and reliability.
Sibi Systems Benefits:
Real-time reporting dashboards
ATM status and uptime alerts
Remote terminal configuration and management
Advanced fraud protection and data encryption
Seamless transaction routing and speed optimization
With Sibi, you have full access to monitor, optimize, and manage your entire ATM fleet with ease.
100% Interchange and Surcharge Pass-Through
With EFX, what you earn is what you keep. We believe in full interchange and surcharge pass-through—meaning 100% of the surcharge revenue and 100% of your earned interchange go directly to you. There are no hidden deductions, no surprise fees—just full control and maximum profitability.
This transparency gives you the confidence to scale your network, make data-driven decisions, and plan long-term growth.
Industry-Leading Security and Compliance
EFX is committed to protecting your ATM operations and customer data. As a proud member of both the National ATM Council (NAC) and the ATM Industry Association (ATMIA), we hold ourselves to the highest industry standards.
Our secure processing infrastructure includes:
Fully PCI-certified data centers
End-to-end encryption and EMV compliance
Advanced user authentication
We uphold PCI standards with yearly audits
We support a full range of major ATM manufacturers and maintain infrastructure compliance for networks including Pulse, NYCE, Star, Plus, and more—ensuring your ATM transaction processing is always secure and seamless.
Dynamic Currency Conversion (DCC) Revenue Splits
Serve international customers while earning more per transaction. EFX offers competitive Dynamic Currency Conversion (DCC) splits, giving you a share of the additional revenue generated when international cardholders choose to transact in their home currency.
Unlike other processors, we’re fully transparent in how these revenues are shared, giving you another opportunity to boost your bottom line.
Transparent Pricing—No Miscellaneous Fees
Too often, ATM operators fall victim to hidden costs and “miscellaneous” charges buried in statements. EFX operates with complete pricing transparency, ensuring every cost is clear, itemized, and disclosed upfront.
Our clients enjoy:
Predictable fee structures
Itemized monthly reporting
Zero junk fees
100% of the surcharge passed through to you
Whether you’re an IAD or a small business owner with just a few ATM machines, we treat your business with the respect and clarity it deserves.
Real-Time Reporting and Remote Monitoring
Stay in control of your ATMs at all times with our real-time reporting and monitoring features. With Sibi Systems, you can:
Track terminal uptime and status
Real time reporting on surcharge and vault cash settlement
View transaction history and analytics
Receive performance alerts
Adjust settings remotely
These insights help you optimize machine placement, streamline your service routes, and keep your customers happy.
Scalable Processing Solutions
From small startups to national ATM networks, our infrastructure is built to scale. Whether you’re growing an ISO brand or managing a fleet of ATMs as a merchant or business owner, EFX can help you expand with confidence.
Our scalable solutions include:
White-label ATM processing
Commitment to system redundancy and reliability with connectivity to multiple transaction gateways
Support for multiple networks including Visa, Mastercard, Cirrus, and more
Cash settlement and reconciliation services
Integration with third-party vault cash providers
Need help expanding your footprint or accessing financial institution partnerships? We’re here to support your growth every step of the way.
Dedicated Support and Partnership
When you work with EFX, you’re not just a client—you’re a partner. We provide responsive, U.S.-based support tailored to the unique needs of IADs, ISOs, merchants, and ATM deployers.
Our support services include:
In-house tech support after hours and weekends
Onboarding assistance and training
Custom reporting and account management
ATM compliance guidance
We’re here to make sure your business runs smoothly, grows efficiently, and stays competitive in an evolving industry.
Contact Us
Get Started with EFX ATM Processing
If you’re searching for an ATM processing company that prioritizes transparency, security, and long-term success, EFX Financial Services is ready to help. Whether you’re a new business owner exploring passive income through ATM machines, or an experienced ISO expanding a national network, our solutions are built for you.
Let EFX be your advantage in a competitive market.