- Profitable Bankcard Acceptance
Point of Banking (POB) Terminals - A Low Cost ATM Alternative for Retail Merchants!
Welcome to the New Generation of Atms, here today...the Point-of-Banking (POB) Solution!
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CASHLESS ATM Investment Opportunities!

Point of Banking, the New and Profitable way of
Processing Bankcard Payments - Here TODAY!

( Cashless ATMs are properly know by the industry term "Point of Banking" (POB) Terminals )

It's a known fact, in today's economy....that society is increasingly leaning towards cashless electronic transactions for business and personal purchases of all sizes. This trend is here to stay because of convenience and acceptance by the general public, and because electronic transactions bring the cost of doing business down for financial institutions. It also helps the environment through a considerable reduction in the use of paper products which saves natural resources, and helps keep our landfills free of waste that is never created because of electronic transactions.

POB Terminal
By providing convenient payment options for your customers, you are enabling them to buy more which increases sales averages per customer. This is known as 'soft benefits' due to impulse buying, something every merchant needs to increase their daily sales in order to see bigger profits. After all, your company is in business to make money and accepting bank cards can help you make more of it by providing a method of payment people expect you to accept.

Over 90% of U.S. household use debit cards & bank cards! Cash in on this market without going in debt like those who use merchant accounts do. The banking industry is now saying that consumers are making more purchases using their debit cards than they are using credit cards! And the numbers are continuing to grow as more and more people are seeing the value of paying straight from their bank account with their debit cards rather than carrying cash. There are also millions of young people coming of age in the next several years, and they've grown up expecting the convenience of quick ATM access . . . are you ready to add profit to your bottom line by providing it to them?

We stand ready to provide the kind of quality equipment, and ongoing service support that will enable you to to enjoy the benefits of hassle-free cashless ATM access in your place of business. Contact us TODAY for a free no obligation consultation, so you can find out more and decide if Point of Banking processing is right for you!

What is a Point of Banking Terminal (an ATM-like device)?

Point of Banking works similar to a standard atm machine, except there is no cash inside. When a customer uses a Point of Banking machine they swipe their card & enter their PIN (personal identification number) as they normally would, but the machine prints out a receipt of the transaction, instead of dispensing cash. The customer then gives the receipt to the cashier, to pay for whatever products or services that are rendered. The receipt can only be used at your place of business, and results in increased sales & profits.

The merchant gets to choose the amount of money a customer can get through the scrip machine, such as $5, $10, $15, $20, etc. The cashier, in return for the receipt, issues change to the customer just as though the customer has presented cash. Funds payed out by merchants through use of their Point of Banking machine, electronically deposited into their bank account, at a profit. The profit on each transaction is a portion of the convenience fee. Each transaction earns the merchant a portion of the surcharge that is charged to the customer's card. This is where atm machines make money.  For tips on choosing the most effective convenience fee for your business, Click Here.

Available Nationwide!
Available Nationwide!
If the business had decided to go with a traditional merchant account, they would have to pay money for the customer's convenience to use their bank card by paying fees instead of making money for the customer's convenience to use their bank card like they would if they had an Point of Banking machine in thier business. This is the primary reason the popularity of Point of Banking machines is continually growing across the country. Businesses are looking for hassle free ways to add more revenue to their bottom line, while still providing the convenience of card payment as an option for their customers. The public has proven over the past several years that they expect to be able to use their debit card anywhere they go and will pay an access fee for the convenience of doing so.

Considering the fast paced busy lifestyles people lead these days, to them it's worth the access fee to save the time it would take to drive to the bank & make a withdraw. Point of Banking machines are open for business & make you money anytime your business is open. The Point of Banking machine is small and can sit on your counter top right next to your cash register. There it will be hard for your customers not to notice, and will result in higher machine usage which makes more money for the business.

All that is needed is a place to plug in the machine into to a power outlet, and a place to plug into your phone line. That's it! No complexed wiring is needed. You don't even need an extra phone line with a Point of Banking machine. Just have your employees make sure the phone line is available for the 10 seconds (or less) it takes for a customer to run their transaction on your machine. Easy of installation & use is another reason more businesses are turning to Point of Banking.

How does it work?

As stated above, the Point of Banking machine is easy to set up & use. All that is needed is a place to plug into a power source (a standard wall plug), and a place to plug into your existing phone line. When a customer is ready to make a transaction using your Point of Banking machine all they do is swipe their card, enter their PIN number, and choose an amount they want to withdraw from their account.

There are several preset dollar amounts that the merchant controls. These dollar amounts are the options you make available to your customers when they use your Point of Banking machine. Most merchants set these amounts at $20, $40, $60, and $70 to accommodate customer's desire for cash back as they spend money with you. All options must be in increments of either 5 or 10. One common mis-conception about using a cashless atm machine is that you have to keep more cash on hand in order to give cash back to your customers.

If you make it a policy to plan on being able to give change for several $50 and $100 bills, like most businesses do during the day, then you'll have no problem implementing an Point of Banking machine at your place of business & benefiting from the profits it can generate. Everytime you honor a receipt from your machine, it's just like making a bank deposit!

How is the Point of Banking program cost effective?

Anyone who owns or operates a business will want to see justification for any investment and realize how an investment can boost company profits, and prove its worth. Retail locations that except card payments consistently have a higher average purchase rate per customer than locations that do not. This is due to the public's expectation of being able to use their debit, and atm cards at any business where they want to shop. Providing bank card acceptance as a payment option also leverages impulse buying, which is income that is generated when a customer decides to go ahead and buy more than they normally would because of the convenience of being able to charge the sale.

By having the cash back option that Point of Banking provides, tipping is increased in businesses that provide services. This will keep your employees much happier by providing additional income for them. Bank card usage is here to stay, and will continue to grow in the years ahead.

Below is An Example of What Could be Made with just a $1.00 rebate amount.
We provide much larger rebates than this, so Signup and get started TODAY!

Daily Traffic

5% Usage

Rebate Amount

Daily Income

Monthly Income

Annual Income































*The Rebate Amount is the Dollar Amount the Merchant Makes On Each Transaction.
*Actual results can and will vary depending on how many customers use the service.

*NOTE: Your location may or may not experience 5% usage. Some locations have much higher percentages considering machine location & employee recommendation to customers to use the machine to get cash back. There are also the 'soft benefits' of customers buying more because of the bank card payment option.

What is needed to set up at my location?

The Point of Banking program is by far the most user friendly method of accepting bank cards that the card payment industry has produced so far. The Point of Banking machine can be placed anywhere within the business location. It's small enough to be placed right next to the cash register where customers can't help but notice that you now accept bank cards. If they didn't bring their card on this visit, they'll know to to plan on using it on their next trip to your store.

All that is needed to run an Point of Banking machine is a place to plug it in to a standard wall plug, and a way to be connected to your phone line. Your machine doesn't need a dedicated phone line, like a traditional atm machine. It only takes a few seconds for each transaction to be completed. Employees just have to make sure no one is using the phone when a customer is making a transaction. (Business phones usually aren't tied up by employees for more than a few minutes at a time, so this should not present a problem.) We also provide toll-free tech support to help you through the entire set-up process, as well as answer any questions you may have about your machine.

How secure are my funds?

Once transactions are approved, your funds are deposited into the Federal Reserve banking system and awaits transfer into your bank, just like any other type of bankcard payment processing terminal. This process takes about 3
POB Terminal
business days, which is the same amount (if not sooner) of time it takes merchants that have a regular credit card machine to get their funds. Only difference is merchants with scrip machines make money on each transaction, instead of having to pay money!

The voided check you provide at signup is used by the processor to verify the path of funds to your bank. Before your account set up is complete the processor must contact your bank to verify your account, and your bank's ability to receive electronic transactions. Your account is then set up by the processor to receive funds settlement, including the rebate amount for each transaction as agreed according to the merchant agreement form which is authorized by your signature, or by a company officer of your business.

What is the upfront cost of the ATM Scrip program?

The cost of the complete Point of Banking machine package is very reasonable and includes a phone line and power cord, as well as door decals, countertop stand with signage, complete User Manual, and FREE Shipping and Handling!

There is a $12.00 monthly maintenance fee, which is the only ongoing cost involved in operating a Point of Banking machine in your establishment. We also provide toll-free tech support, should you have any questions, or problems with your machine. We also provide paper supplies, and ongoing machine re-placement warranty for as long as you are processing through us.

How long does it take to get up & running?

It takes about 7 to 10 business days to ship your programmed Point of Banking machine to your location, after we have received the necessary paperwork to process your order, and payment for the machine(s). This is due to the time it takes to verify the path of funds to your bank account, time involved in setting up your equipment, and the time it takes to ship you machine to your location using standard ground shipping.

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