ATMs (Automated Teller Machines):

An ATM is a computerised machine that provides customers, the facility of accessing their accounts for dispensing cash and carrying out other financial & non-financial transactions without visiting the bank branches. ATMs are convenient, allowing consumers to perform quick self-service transactions such as deposits, cash withdrawals by the bank where the account is located, by the operator of the ATM, or by both.

ATMs are known in different parts of the world as “Automated Bank Machines” (ABM) or Cash Machines.

There are now more than 3.5 million ATMs in use across the world. Customers are typically identified by inserting a plastic ATM card into the ATM, with authentication done by the customer entering a Personal Identification Number (PIN) stored in the chip on the card or in the issuing financial institutions database.

PIN is a numeric password which is separately mailed/ handed over to the customer by the bank while issuing the card.

Types of ATMs:

On-Site ATMs which are being set up in the premises where there is a bank branch and the ATM can be used.

Off-Site ATMs are set up on a standalone basis. This means that a bank has a place where there is only an ATM machine then this becomes an off-site ATM.

White Label ATMs set up, owned & operated by non-bank entities. These White Label ATMs will not display logo of any particular bank

TATA launched the first White Label ATM in India under the brand name of “INDICASH”.

Brown Label ATMs are those which are owned and maintained by Service Provider whereas a sponsor bank whose brand is used on ATM takes care of cash management and network connectivity.


ATMs set up, owned and operated by non-banks are called White Label ATMs (WLAs).

Non-bank ATM operators are authorised under the Payment & Settlement Systems Act, 2007 by the Reserve Bank of India (RBI).

The non-bank entities that set up, own and operate ATMs are called “White Label Operators” (WLAO).

The WLAO’s role is confined to acquisition of transactions of all banks customers by establishing technical connectivity with the existing authorised, shared ATM Network Operators/ Card Payment Network Operators.

Need for Introduction of WLAs:

Banks have played an important role in setting up and encouraging usage of Automated Teller Machines (ATMs) in India. There are a large number of ATMs set up in India by public, private and foreign banks but they are mostly concentrated in the urban areas and cities. The cities under tier III to tier VI have not seen any convenient growth in number of ATMs, which would have helped in popularising the personal banking in rural areas. They would have played an important part in financial incorporation.

Keeping all these points in mind, RBI has relaxed its policy about setting up ATMs and has allowed the participation of non-banking financial institutions to set up the White Label ATMs. These White Label ATMs are owned and operated by the NBFCs while functioning just in the same way as any other ATM run by bank would do.


APK Perks presents White Label ATM solution, with cash deposit facility(first time ever in India). We are providing the White Label ATM services all over India with Zero rental plan providing less investment and more profit. If you have a free space in your shop , get ONGO (AGS) ATM installed by APK Perks in your area with a cash deposit system & withdrawal services.

We provide you ATMs which comes with various salient features to help you in having safe and secure transactions.

Our ATMs comes with a list of guidelines which you should follow for the safety of your ATM. These safety measures help you in increasing the efficiency of the machine along with its smooth functioning.

APK Perks provide you a complete set up of the ATM along with the listed equipment. This set increases your convenience and reduces your stress.

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