Self-Service Cash Solutions to be Provided by InComm Payments and NCR Atleos at ATMs Nationwide in the United States
In a groundbreaking move, InComm Payments and NCR Atleos have partnered to introduce a new self-service ATM solution that aims to modernize and expand cash accessibility across the United States. The partnership, which leverages NCR Atleos' ReadyCode API, is poised to signal a broader shift towards embedded banking in everyday environments.
**How the Self-Service ATM Solution Works**
The innovative solution enables consumers to withdraw cash without the need for a physical card. By generating secure codes via mobile apps or websites, consumers can access their funds at any participating ATM. This cardless process is available at over 23,000 ATMs across more than 40 states, reaching major population centers.
The solution is integrated with InComm Payments’ extensive network, making it accessible to fintech and banking partners, as well as their customers. This opens up ATM access beyond traditional bank customers to include users of various digital financial platforms. One of the primary goals is to address the needs of the estimated $2.1 trillion unbanked and underbanked demographic in the U.S., by eliminating the necessity for a physical bank card.
Retailers hosting these ATMs also benefit from increased customer visits, as consumers are incentivized to visit physical stores to use the ATMs. This creates a win-win scenario—retailers gain engagement, while Atleos expands its revenue from ATM-as-a-Service offerings, which saw a 24% year-over-year growth in Q1 2025.
**Impact on Cash Accessibility**
The partnership’s new self-service solution aims to make cash more accessible by removing card dependence, expanding ATM networks, and supporting digital-first consumers. The solution caters to the growing number of consumers who prefer digital and mobile-first financial services, ensuring they can still access physical cash when needed.
**Summary Table**
| Feature | Benefit | |-------------------------|---------------------------------------------------------------| | Cardless withdrawals | No need for physical cards; accessible via app/website | | Broad ATM network | 23,000+ ATMs across 40+ states | | Accessible to fintechs | Integrates with digital banking and payment platforms | | Helps unbanked/underbanked | Reduces barriers to cash access | | Boosts retail traffic | Drives more customers to physical stores |
This innovative approach aims to bridge the gap between digital financial services and physical cash accessibility, supporting a more inclusive financial ecosystem in the United States. The new ATM solutions will integrate modern technology into retail environments, with ReadyCode already enabled at ATMs inside leading retail locations across more than 40 states.
Ben Bregman, Senior Vice President, Global Network Solutions, for Atleos, explained that enabling InComm Payments' program relationships with access to the ReadyCode solution will provide more flexibility for consumers to transact where and how they want, without the need of a card. John Houseal, VP of Product at InComm Payments, stated that Atleos' ReadyCode API offering provides a new way for money movement partners and their consumers to access cash self-service at convenient retailers' ATMs.
The InCommNCR Atleos partnership is launching new self-service ATM solutions across the United States, expanding InComm Payments' cash out network in a new way, connecting partners with differentiated access to serve their customers beyond the counter. The ReadyCode solution will drive incremental foot traffic to retail partners' stores, while InComm Payments provides enhanced end-to-end payment solutions and emerging financial technology solutions.
The innovative self-service ATM solution developed by InComm Payments and NCR Atleos, integrating ReadyCode API, is expected to revolutionize the finance industry by making cash more accessible and expanding ATM networks. This technology-driven approach caters to the growing demand for digital and mobile-first financial services, benefiting both consumers and retailers.
The partnership is also anticipated to fuel the expansion of embedded banking, as the solution enables fintech and banking partners, as well as their customers, to access cash at over 23,000 ATMs across the United States. This collaboration between InComm Payments and NCR Atleos is poised to foster a more inclusive financial ecosystem by bridging the gap between digital financial services and physical cash accessibility, all while leveraging technology.
