ATM Code · Self-service software

Turn every self-service device into a digital branch

Multivendor software for ATMs, ADMs and kiosks, with server modules for transactions, monitoring and content. One build for any vendor and OS, integrated with processing once.

Discuss ATM Code How it works

ATM touchscreen with the ATM Code home screen: a card offer and buttons for withdrawal, deposit, payments and transfers

ATM Code installations on ATMs and ADMs: 20,000+
ATM Code clients in 15 countries: 50+
devices in the largest ATM Code network: 6,000

01What it is

Software on the device. Services on the server.

On the device

ATMs, ADMs, kiosks and cash-in terminals

One software version for every vendor, model and OS
Works through XFS or direct drivers
Responsive web UI for any screen, touch or FDK, dual-screen setups
Interface adapts to the device: touchscreen, cash-in, NFC reader
Peripherals: cameras, contactless readers, sensors, UPS, lighting

On the server

Modular — each component updates independently

Operation Server — transactional core: scenarios, payments, fees, routing
Monitoring Server — status, remote control, updates, inventory
DBP Server — personal account services with smart caching
Advertising module — content and personal offers
Card Gateway, Processing Gateway, Crypto Service — card data and HSM

02When it makes sense

Six situations where banks choose ATM Code

01
A mixed fleet
Legacy and new devices from different vendors, running different operating systems.
02
Branch transformation
Branch functions need to move to ATMs and kiosks.
03
A digital office
The network has to do more than cash-in and cash-out.
04
Cost of the network
Usage needs to grow while servicing costs go down.
05
An outdated interface
The current UI is old or problematic and needs a modern replacement.
06
Several languages
The interface must work in two, three or more languages.

03Value for the bank

What each team gets

A full branch menu on every device — out of the box

Standard and advanced customer scenarios ship with the solution, so the business launches services instead of commissioning development.

Cash withdrawal: Fast Cash, denomination choice, withdrawal by QR code
Cash deposit to card, including by QR code
Payments by card or cash — with change — to an unlimited number of providers
Card-to-card transfers and e-mail receipts
Personal account: products, history, loan applications and early repayment
Payment templates shared with remote banking
Omnichannel scenarios: start a payment or withdrawal in mobile banking, finish it at the ATM

ATM Code interface screens: main menu, card offer and cash withdrawal with banknote denominations

One integration, one build, one place to change things

ATM Code removes the ATM controller and NDC scripting from the processing side and keeps the device software identical across the fleet.

Host-to-host integration with processing — no NDC/DDC
ATM controller and device monitoring are part of ATM Code
PIN pad key management in 1010Code with HSM integration
One software build for Windows, Linux and RED OS
Modular server: update components independently
Customer products pulled from remote banking, not the card switch

20,000+

ATM Code installations on ATMs and ADMs

See and control every device from one console

Monitoring Server ships with ATM Code and needs no extra integration. It works reliably even over low-bandwidth connections.

Real-time device and peripheral status with unified XFS error codes
Remote tasks: lock and unlock, config changes, logs, screenshots, restarts
Background software updates applied when the device is idle
Automatic inventory of hardware, firmware and software versions
Cash cassette counters, replenishment history and denomination control
Roles, Active Directory and a full audit trail
Can pass data to the bank’s own monitoring server if it stays in place

Fewer replenishment trips, fewer errors at the cassette

Recycling and guided replenishment reduce the cost of servicing the network.

Cash recycling support
Guided end-to-end replenishment with hints for collectors
Cassette parameters checked against the host before loading
Offline replenishment mode; no host balancing during replenishment
Replenishment records by currency, denomination and collector

6+ months

of ATM operation without cash replenishment, thanks to recycling

Turn the ATM screen into a sales channel

The built-in advertising module lets marketers run campaigns and personal offers without IT. Customer Journey Analytics shows what happens on the screen — inside the bank’s own infrastructure.

Banners, click-through scenarios, forms and personal offers
Offers driven by preloaded data or the bank’s CRM in real time
Targeting by location, device type, service, payment amount and time, and customer demographics
Moderation before display; deployment on premises or in Microsoft Azure
Impressions, clicks, conversions and funnels per campaign
Journey analytics: paths, funnels, session recording, A/B tests, cohorts

≤10 min

to launch an ad campaign across the ATM network

04How it works

Architecture built for a network, not a single device

On the device

ATMs, ADMs and recyclers
Kiosks and cash-in terminals
Control software via XFS or direct drivers
Web UI in embedded Chromium (CEF)
Cameras, NFC readers, sensors, UPS

ATM Code server

1010Code V3 protocol over HTTPS · the device always initiates the connection

Operation Server

Scenarios
Payments and transfers
Fees and limits
Routing

Monitoring Server

Real-time status
Remote tasks
Software updates
Inventory

Customer services

DBP Server
Advertising and offers
Journey analytics

Card data

Processing Gateway
Card Gateway
Crypto Service

Bank systems

Processing centerHost-to-host, no NDC/DDC
HSMThales payShield 9000 / 10000
Core and remote banking
Payment providers or bank gateway
Anti-fraud, Active Directory, CRM

Device-initiated, encrypted
All requests between devices and server are signed and encrypted; the device always opens the connection.
Proven stack
Windows or Linux; PostgreSQL, MariaDB or MS SQL; Docker deployment for Monitoring Server.
Scales with the fleet
Clustering with horizontal and vertical scaling; metrics exported in Prometheus format.

05Integration with processing

Integrate once — and stop rewriting NDC

01
No ATM controller on the bank side
Controller and monitoring functions are part of ATM Code.
02
Key management included
PIN pad keys are managed in 1010 Code Software from day one.
03
Maximum security
Every message is signed with PIN keys.
04
No NDC work
Implementation needs no NDC-related modifications.
05
No per-ATM processing licenses
No license fees to the processing center for each ATM or for NDC functions.
06
Adaptable protocol
The host-to-host protocol can be adapted to the bank’s business requirements.

06Security

Certified where it matters

All components, including server
Includes two standards
PCI SSS
Secure Software Standard — security of the software itself
PCI SLC
Secure SLC Standard — secure development lifecycle
Certified EMV kernel

Signed and encrypted traffic
Requests between devices and server are signed and encrypted.
Sensitive data masked
Card data is masked and encrypted between Card Gateway, processing and device.
HSM-backed keys
Key generation and storage via Thales payShield 9000 / 10000, with a full key history.
Controlled access
Role-based access with Active Directory and an exportable audit trail.

07Implementation

A predictable path to production

1. Hardware support
Add support for device models not yet covered.
Skipped for supported models
2. ISO image
Prepare the system image for the bank’s devices.
3. Processing integration
Connect to the processing center over host-to-host.
Skipped if the vendor is already integrated
4. HSM integration
Thales payShield 9000/10000 ready; other vendors on request.
5. Branding and languages
Standard UI in the bank’s colours; RU and EN included.
6. Launch
Test and production environments, testing with international payment systems.

08Technical capabilities

For the architects in the room

01Supported devices and operating systems

ATMs, ADMs, kiosks, e-cashiers and teller machines
Vendors in production include Wincor Nixdorf, NCR, OKI, Hyosung and Dors
Windows, Linux and RED OS — one build
XFS layer or direct drivers; vendor utilities can be launched from service mode

02User interface and SDK

UI is a web application in embedded CEF Chromium: HTML5, ES6, React, TypeScript
Standard UI customised through CSS, or a fully custom single-page app over the JavaScript API
UI SDK, device emulators and in-browser debugging without restarting the ATM software
UX prototype in Axure and screen designs in Figma

03Monitoring Server

C# on Windows Server; MS SQL 2012+ or PostgreSQL; Docker supported
Proprietary traffic-efficient TCP protocol, connection initiated by the device
Task templates, batch queues and a scheduler; dynamic device filters
Optional REST API for external systems; metrics in Prometheus format

04Operation Server

Windows or Linux; PostgreSQL, MariaDB or MS SQL
Access Manager with Active Directory, built-in anti-fraud, BCIT for postings
Payment gateways and a customizable chain of transaction handlers
Service availability by payment instrument, geolocation and other parameters

05Video surveillance and peripherals

Unlimited USB cameras; recording on motion or customer operation
Captions with date, masked card number, operation type and key events
VIVOpay Kiosk III/IV and OTI contactless readers
Temperature, tilt, door sensors; UPS monitoring; lighting control

09Implementations

Running in networks of thousands of devices

01
Bank · Central & Eastern Europe
One of the region’s largest banks, 420+ branches
- ATM Code
Challenge
Run a fleet from four vendors — Wincor Nixdorf, NCR, OKI and Dors — on one software and take ATMs beyond cash.
Solution
ATM Code across the entire network: personal account, payments, loan repayment, personal offers and contactless NFC / *Pay on every device.
Result
devices on one software version
5,000+
hardware vendors under one monitoring
4
02
Bank · Europe
One of Europe’s largest banks, 7M+ clients
- Payments Code
- ATM Code
Challenge
Centralize payment acceptance across branches, self-service devices and remote banking.
Solution
Payments Code as the central hub for cash desks, kiosks, ATMs, internet and mobile banking, plus recurring payments. ATM Code with a personal account on self-service devices.
Result
providers in the payment hub
8,000
branch cash desks
3,200
ATMs and kiosks
4,000 + 1,800
03
Bank · Eastern Europe
Bank with 497 offices in 224 cities and a 38,000-device partner network
- Payments Code
- ATM Code
Challenge
Unify payment acceptance across cash desks, terminals, ATMs and auto-payments, and connect instant payments.
Solution
Payments Code for all acceptance channels, ATM Code to extend ATM functionality, payment acceptance at teller desks, integration with the instant payments system.
Result
service providers
10,000+
ATMs
4,400
cash desks
800

700+ devices
Including 250 Hyosung 8600 units and 8 “light offices” built on ATM Code.
6,000+ devices
Multivendor network, still scaling to new ATMs.
1,500+ devices
Different vendors and screen formats up to 32”.

Let’s look at your ATM network

For banks

Discuss ATM Code for your fleet

Share your fleet size, vendors and goals — we’ll outline the project scope.

Discuss a solution

For partners

Add ATM Code to your portfolio

Offer ATM Code to banks in your market and earn on delivery.

Become a partner

Turn every self-service device into a digital branch

A mixed fleet

Branch transformation

A digital office

Cost of the network

An outdated interface

Several languages

A full branch menu on every device — out of the box

One integration, one build, one place to change things

See and control every device from one console

Fewer replenishment trips, fewer errors at the cassette

Turn the ATM screen into a sales channel

Device-initiated, encrypted

Proven stack

Scales with the fleet

No ATM controller on the bank side

Key management included

Maximum security

No NDC work

No per-ATM processing licenses

Adaptable protocol

Signed and encrypted traffic

Sensitive data masked

HSM-backed keys

Controlled access

1. Hardware support

2. ISO image

3. Processing integration

4. HSM integration

5. Branding and languages

6. Launch

One of the region’s largest banks, 420+ branches

One of Europe’s largest banks, 7M+ clients

Bank with 497 offices in 224 cities and a 38,000-device partner network

700+ devices

6,000+ devices

1,500+ devices

Let’s look at your ATM network

Discuss ATM Code for your fleet

Add ATM Code to your portfolio