Category Archives: Bill Pay

Bill Pay —

Kiosk Industry is the news engine for the Kiosk Manufacturer Association or KMA which is a global, cause-based, not-for-profit organization focused on better self-service for customers and employees through kiosks and information technology (IT). Kiosk Industry Association leads efforts to optimize self-service engagements and engagement outcomes using information technology such as kiosks.

The Kiosk Industry Group acts as the professional news and marketing website for the kiosk and self-service industry. We are funded by those companies for the benefit of developers, resources and client companies interested in self-service, kiosks, thin or internet terminals and POS systems. News about the industry and by the industry that is relevant to companies looking to utilize self-service, and companies which assist in doing just that (hardware, software and application).

Bill Payment Kiosks Outdoor – Case Study Cooling

Bill Payment Kiosks

Kiosk cooling:

TECA Model AHP-451XE Peltier coolers are protecting over a dozen customized bill-pay kiosks. This example illustrates the power of TECA’s smaller air conditioner models. With just over a 100 Watts of cooling power, the AHP-451XE is meeting the thermal requirements of this fairly large (over 4’ tall) kiosk. Housing heat sensitive equipment including computing core, printer, imager, and a 15” LCD touchscreen, this kiosk is exposed to high ambient temperatures as well.

TECA has extensive experience protecting kiosk components. Many of our air conditioners – whether for AC or DC input – are safety certified to UL/CSA standards and are CE marked. TECA builds our products in the USA. Kiosk end users will benefit from our informed design and manufacturing talents. Our low-turnover assembly team is dedicated and experienced. We consistently deliver quality products. Peltier cooling technology is long-lasting, reliable, and virtually maintenance-free. Please contact us today with our kiosk cooling questions! We look forward to hearing from you.
PH 773.342.4900

quarterly e-newsletter

DTE Energy bill payment kiosks convenient for customers

DTE Energy bill payment kiosks
DTE Energy bill payment kiosks

DETROIT, Aug. 19, 2015 /PRNewswire/ — The DTE Energy kiosk has become the company’s fastest growing bill-payment…


The number of kiosks has grown from five to 25, located at DTE payment centers and neighborhood Rite Aid drug stores, primarily in Detroit.  Many of the drug stores are open 24 hours a day, seven days a week for added customer convenience.

DivDat Kiosks For DTE

DTE selected a Michigan-based company, DivDat, to help develop the kiosk technology. In 2014, DTE spent $922 million with Michigan-based suppliers of products and services.

    Turnkey Bill Payment Kiosks

    New Turnkey Bill Payment Solution

    Olea has released a new bill payment website.   Payment Kiosk by Olea.

    Excerpt: Kiosks that handle cash and other forms of payment are the most complex of self service kiosk designs. Don’t trust just anyone to design and manufacture your next financial service kiosk.  Led by Olea Kiosks we work with best-in-class partners to bring you a complete bill payment solution.

    Franklin Bill Payment Kiosk
    New Franklin Payment Kiosk

    Payment Solutions cover a large range of situations from the simple purchase to more complex deployments.

    We offer two turnkey solutions at this time: The Caddo and also the The Creek. Bill payment available for purchase, lease or operation (revenue share) and beginning at $30K complete solution.

    We offer three different base  + custom models for bill payment.

    Applications range from your basic bill payment (paying your Comcast bill for example) to alimony to robust mobile bill pay. Indoor, Outdoor, Wall Mount, Standup, Countertop, Drive Thru.
    Underbanked, non-banked and the kiosk industry
    Some of the strongest growth the kiosk industry is seeing these days is in the self-order arena, specifically in fast-food restaurants. Those transactions are typically $20 or less, right in the sweet spot for cash usage.
    Billpay kiosks are growing in popularity as well, targeting underbanked consumers or those who don’t have the ability to pay bills online. Some of the deployed applications include water bill payment, electricity bill pay, gas bill pay and light bill pay. 30% (and rising) of the US population is lower class living in apartments, renting housing. 25% of the US population is unbanked or underbanked according to a 2017 survey by the Federal Deposit Insurance Corp and that number is considered low. Again, the type of people who are likely to favor cash.
    So if credit cards are the only payment option, a company that relies on self-service kiosks may be missing out on substantial revenue opportunities.
    Still, accepting cash does present obstacles deployers need to overcome. And with the use of alternative forms of payment on the rise, deployers need to plan for those as well.

    Payment Kiosk Franklin Olea PDF Brochure

    Bill Payment Functionality Examples

    Centralized electronic bill presentment and payment portal for customers of the city.

    – Provide custom API’s or batch process to support non-integrated systems.
    – Provide self-service abilities such as AutoPay, interactive pay by text, interactive email, and scheduled payment sign ups.
    – Provide ability to pre-authorized payments including sending notification for expiring credit cards and utilize available database from visa and Mastercard. Manage rejected payments, sending notification to the customer and notifying city staff.
    – Provide self-service to start or stop utility service or edit customer information on existing utility account. Or automatically generate orders for agency and provide an upload process for ownership and lease documents.
    – Customer service rep assisted IVR capability. Provide the ability to track a customer’s call in-progress when passed to IVR for payment and assist customer needs if they need CSR (customer service rep) assistance.
    – Ability to send friendly reminders, courtesy interactive email notifications and SMS text to accounts with a balance due.
    – Automatic account linking for customers with multiple accounts, including linking of different bill types in single customer view.
    – View multiple bills with a ‘consolidated’ view.
    – Single payment capability for multiple bills and multiple bill types, and correct application of relevant service fees.
    – Provide an itemized detailed receipt where one or multiple services are being paid for, and indicate where service fees are being charged to the customer.
    – Provide ability to make payments via Web, Mobile, IVR, Kiosks, and POS systems.
    – Reconciliation and reporting capabilities. Create adhoc and custom reports during implementation phase to meet our requirements.
    – Implementation services.
    – On-going technical support and maintenance of the portal site.
    – Detailed reporting for fee statements and most efficient solution for charging fees.
    – Flexible solution allowing the city to absorb credit card fees for most transactions and pass along credit card fees for selected transactions.
    – Product and solution will be in compliance with city specific rules governing transaction fees or service fees.
    – Allow the following transaction types: Credit Card, Debit, Check, Cash, ACH and trust account payments.
    – Portal shall provide for payments and funds from different departments to be directly deposited into proper city account with unique identifiers to ensure that the funds are appropriately credited to the respective accounts.
    – Handle dispute resolution and repudiation for non-ACH transactions.
    – PCI Level 1 compliance and other information security standards.
    – Allow point-of-sale (POS) transactions in various locations across multiple departments to include cashier stations, wireless transactions (kiosks) and portable device card transactions for use in the field. Provide necessary equipment for these services.
    – Provide necessary equipment for these services.
    – Provide citizen mobile application for web portal (iPhone, Android, tablet device, etc.) or provide mobile adaptive website
    – Provide continuous availability of web portal with system redundancy and “up-time” guarantees or contingencies.
    – Help desk and assistance point of contact for both the citizens or users of the portal and city administrators and accounting personnel.
    – Provide the ability to utilize chip technology or develop in the future.
    (2) Contract term will be one year.

    Bill Payment News Release — Here is preliminary presss release on the Franklin

    Olea Kiosks Introduces The Franklin Bill Pay Kiosk

    LOS ANGELES, Calif., October 9, 2019 — Olea Kiosks of Los Angeles welcomes the Franklin Bill Pay kiosk as the newest addition to its self-service line-up.  This secure and versatile kiosk is built to handle payments of any kind, anywhere.

    The Franklin Bill Pay kiosk has the ability to accept and dispense dollar bills, dispense coins, read checks and take credit card payments.  Because it’s a modular solution, it can be customized in a number of pre-designed configurations which make it easy to deploy in situations with first to market opportunities or where time is of the essence.

    This kiosk was introduced for those industries that still have a high number of cash-paying customers.  “In the past, cash-handling kiosks were very costly to deploy, but with this solution, we’ve implemented some standardizations, which makes complete self-service operation attainable,” explained Frank Olea, CEO of Olea Kiosks. The unit can be equipped with several different models of bill acceptors and dispensers to accommodate all manufacturers and compatibility with almost any software application.

    The Franklin is perfect for any cash-paying application including Bill Payment, Retail Transactions, Ticketing, Food Ordering, and Hotel Check-in which makes it an ideal candidate for casinos as they can deploy the same look and feel across a number of different guest services. (if we can get the Casino page updated we can link it here)

    The Franklin will be on display at the JCM Global booth 4039, at Global Gaming Expo (G2E) in Las Vegas, October 15 to 17.  Olea Kiosks can also be seen at work in a number of other booths demonstrating a range of applications including player loyalty, player games and tournaments, betting applications and food ordering. You can find more information here:

    About Olea Kiosks:

    Olea Kiosks Inc., is a Los Angeles-based self-service kiosk manufacturer in business since 1975.  Its technologically advanced, in-house manufacturing and services have made it an industry leader.

    For more information, visit

    Major Bill Pay Kiosks Projects Background

    • Verizon Mobile Bill Payment
    • AT&T Mobile Bill Payment
    • Comcast Cable Payment

    Related Bill Payment Kiosk News

    Where is EMV for Kiosks in 2019? An EMV Update

    Bill Payment Kiosk Provisioning – Industry Whitepaper

    The benefit of bill-payment kiosks

    Olea Kiosks Introduces The Franklin Bill Payment Kiosk at G2E

    Olea G2E Press Release

    Franklin Bill Payment Kiosk LOS ANGELES, Calif., October 10, 2019 — Olea Kiosks of Los Angeles welcomes the Franklin Bill Payment kiosk as the newest addition to its self-service line-up.  This secure and versatile kiosk is built to accept payments of any kind, anywhere.

    The Franklin Bill Payment kiosk has the ability to accept and dispense dollar bills, dispense coins, check acceptance and take credit card payments.  Because it’s a modular solution, it can be customized in a number of pre-designed configurations which make it easy to deploy in situations with first to market opportunities or where time is of the essence.

    This kiosk was introduced for those industries that have a high number of cash-paying customers.  “In the past, cash-handling kiosks were very costly to deploy, but with this solution, we’ve implemented some standardizations, which makes complete self-service operation attainable,” explained Frank Olea, CEO of Olea Kiosks. “The unit can be equipped with several different models of bill acceptors and dispensers to accommodate all manufacturers. In addition, we work with a suite of turnkey application providers including M3t Financial Services, Nanonation, Self-Service Networks and Dynatouch that can be integrated into the kiosk,” added Olea.

    The Franklin is perfect for any cash-paying application including simple bill pay, bill breaking, ATM services, and check cashing.  With its loyalty features like club enrollment with card printing, point redemption, promotional games, TITO ticket printing for promotion vouchers, and bar code/QR code scanning for text/email promotions, it’s an ideal candidate for casinos as they can deploy the same look and feel across a variety of guest services.

    The Franklin will be on display at the JCM Global booth 4039, at Global Gaming Expo (G2E) in Las Vegas, October 15 to 17.  Olea Kiosks can also be seen at work in a number of other booths demonstrating a range of applications including player loyalty, player games and tournaments, sports betting applications and food ordering. You can find more information here:

    About Olea Kiosks:

    Olea Kiosks Inc., is a Los Angeles-based self-service kiosk manufacturer in business since 1975.  Its technologically advanced, in-house manufacturing and services have made it an industry leader.

    For more information, visit

    Bill Pay Kiosks & Unbanked Underbanked

    Reprinted with permission from Olea Kiosks news 3/16/2019

    Considerations When It Comes to Bill Pay Kiosks

    The Bill Pay Kiosk, Underbanked and Unbanked in 2019

    There are all sorts of situations where a company needs to accept regular payments from their customers. Utility payments, cellphone bills and store credit cards are just a few of the situations where customers make regular payments.

    And if one thinks that the ability for those organizations to accept payments via their website, mobile or by mail has eliminated the need for other payment options, they’d be mistaken. Some example payments include Alimony, Rent payments, Healthcare co-pays, mobile phone payments, cable TV bills, money transfers, tuition payments, and correctional facility services.

    bill pay kiosks provide service to the unbanked and underbanked

    The Franklin Bill Pay Kiosk from Olea is designed to simplify cash transactions. Standard options include a high-capacity bill acceptor, bill dispenser, coin dispenser, credit card terminal, and receipt printer

    Others include cell phone top-ups, long distance, and digital phone cards for International calls. There are international payment options available as well, especially for Latin Amerian countries like Mexico, where for example the customer can pay his mother’s Telmex bill in California.

    And how these payments are made are important to note. As much as Check21 did to simply checks, that is still a major form of payment depending on the venue. You have cash payment terminals running $5000 a day in some locations. And then there is a credit card and mobile.

    Unbanked and Underbanked Statistics

    According to a recent survey conducted by the Federal Deposit Insurance Corporation, more than 8.4 million households in the United States are unbanked, meaning they don’t have access to a checking or savings account. Other data points to at least 50 million unbanked. Another 24.2 million households are underbanked, with access to a checking or savings account but also making use of financial products and services outside of the banking system. Together, more than a fourth of U.S. households are unbanked or underbanked.

    There are specific geographic and demographic data outlining these groups.  Ethnic and cultural factors play into it with some cultures preferring cash.

    Having a reduced set of payment options for what can be a very large customer set doesn’t help retain and create more customers. The end result of adding bill payment options ultimately increases the cash flow for companies and expands their consumer base.

    bill pay kiosks provide service to the unbanked and underbanked
    Philadelphia just became the first large city in the nation to ban cashless businesses in the city, in part to protect people like construction workers who don’t have a bank or credit card.

    In addition, a significant portion of the population, primarily lower-income and younger people, still prefers to conduct their business in cash. Maybe they don’t trust the banking system. Maybe they tend to pay bills closer to their due date and don’t want to risk a late payment or service cutoff. A personal US Mail check or money order may be delayed. Maybe they want to wait till the last moment during the “last chance” before penalty phase. It could be a language. Add to that the 11 percent of U.S. adults who don’t use the Internet, according to a Pew Research study, and it’s clear there will always there will always be a need to provide payment options to customers.

    That’s where a bill pay kiosk comes into play.

    The benefits of adding a bill pay kiosk to an organization’s payment options are many. For the customer, those include few service disruptions, improved credit and fewer reconnect and/or late payment fees. The kiosks in a way become the financial center or “bank” for the underserved, which they know the bank has ignored them. For the organization, they include more timely payments, fewer trips by a technician to reconnect service that was cut off, lower staffing needs at the payment center, fewer trips to payday loan, check cashing centers where they used to go before the kiosk, and overall much improved customer satisfaction.   That translates to higher retention of existing customers and a higher acquisition rate of new customers.

    Still, accepting payments by kiosk isn’t just a matter of setting up a device in the headquarters lobby and hoping for the best. Here are a few considerations to take into account when deploying a bill pay kiosk.

    Bill Pay Machines Make it easy

    27 percent of U.S. households do not have regular access to banks and other mainstream financial services.

    That’s 90.6 million financially marginalized people who are further penalized, in terms of time and money, by having to rely on alternate financial services (AFS), which charge fees for transactions that are often free to customers of banks, credit unions and other federally insured institutions. Despite the financial recovery since the Great Recession and the growth of online financial services, the number of households with little or no access to bank accounts has remained stubbornly steady since 2009, when the FDIC began collecting statistics on the phenomenon.

    Theresa Schmall, a manager at CFSI, points out that “solutions using digital and mobile platforms can provide expanded access” for the unbanked. It may also remove the presumption of exclusivity that prevents many unbanked and underbanked households from approaching mainstream financial services — while also eliminating those seemingly endless lines.

    July 2018 article by OZY

    By a large margin, those people who don’t use the Internet are 65 or older. Some of the main reasons, they say, are that it’s too difficult and they believe they’re too old to learn. If the kiosk application is too difficult to use it’ll be the same reason they give for avoiding it.

    Incorporate large fonts and a logical payment process for the interface to make the kiosk easy on the eyes and the brain. Incorporate a simple way to start the process over if the user makes a mistake. It won’t hurt to have a staff member nearby during the first few weeks after initial rollout to assist first-time users. Kiosk technology also makes it easy to incorporate a variety of languages; make sure you include those options, especially if the unit will be located in a culturally diverse area. Users will appreciate it.

    Publicize the option

    Include marketing materials about the new bill pay kiosks with bills, in print ads, on TV commercials, and on your website. Also have office staff inform customers who come in to pay their bills about the devices, and offer to guide them through the payment process.

    Add additional locations

    One of the beauties of kiosk technology is that it allows organizations to expand their footprint without the capital costs of a brick-and-mortar location. In addition, we now live in a world where people expect to be able to conduct business at any hour of the day.

    One way to increase the value of bill pay kiosks is to place them in areas where customers can access them at any time of the day or night, in a place that’s convenient for them. Along with placing a kiosk in the lobby of the central office, consider placing units in grocery stores or other 24-hour locations. This would be especially important when a significant number of customers live in rural locations.

    Making sure that the right biller is available in the right geographic area is important. Utilities get the biggest use, and they’re the “magnet” effect if you are pulling the customers into paying their utility bills. Once the customer is there, they can see an array of options for paying their cable, wireless phone, and stored value cards like VISA & MC prepaid cards

    Make it reliable and secure

    Nothing will frustrate customers more than a kiosk that’s out of order when they need to pay a bill. If it happens more than once, you’ve likely lost them as kiosk customers forever. Invest in a solution that incorporates quality, reliable hardware.

    One the same note, make sure the kiosk hardware and software is secure from tampering. The last thing a business needs is the expense and negative publicity that accompanies a data breach.

    Partner with an expert

    Partnering with an experienced vendor saves you the headaches of learning these lessons on your own. Work with someone that has existing projects and can offer consulting and advice on how to make your project a success. Olea Kiosks stands ready to help.

    To get started with a free consultation, call Olea Kiosks today or contact us online.


    Bill Payment Mistakes – Avoid These 12 mistakes

    bill payment mistakes

    The road to creating a payment kiosk is fraught with pitfalls that can wreak havoc on your bottom line if you’re not careful.

    In this article I’m going to cover the 12 most common pitfalls I’ve seen companies fall into when building their first payment kiosk.

    It was hard to limit the article to only the top 12, but top 100 would have been too lengthy a read.

    I’m not going to get too technical here, as this article is geared more towards project managers than developers.

    Here are the top 12 mistakes in no particular order…

    1. Not budgeting for ongoing maintenance

    The typical annual reoccurring cost for ongoing maintenance on a kiosk application is roughly 20% of the initial price tag.  This is not including the hardware warranty of service level agreements (labor for fixing broken parts).

    If you spend $100,000 to develop the kiosk application, figure you should budget at least $20,000 annually for ongoing maintenance.

    This might strike you as high, but as the developers out there will attest, technology moves fast, and you don’t want to fall far behind.

    Servers need upgrading, frameworks need updating, bugs need fixing and there’s always new features to be added.

    2. Kiosk is sluggish or unresponsive

    A sluggish kiosk can result from a spotty internet connection or poor design.

    The illusion of responsiveness matters.  For example, when the user is completing their order the kiosk should display an animation to show that it’s processing the customer’s request.

    If the UI completely freezes, the customer will worry that the machine locked up.

    On the other hand, if there’s an animation conveying the kiosk is busy processing the customer’s request, the customer will assume the kiosk is still responsive and not to worry.

    3. Poorly handling internet outages

    Internet outages are inevitable, so you better plan for them.

    This doesn’t necessarily mean your kiosk needs to function in “offline mode.” At a minimum you should display a screen to indicating to the customer that your kiosk is out of order and helpful advice on how to solve their problem.

    For example, “The kiosk is out of order, please pick up the red phone in the lobby and dial #0 for assistance.”

    When possible, you should process transactions in offline mode and store them in a local database. Then sync them up with the server when internet connectivity is restored.

    4. Too much text on the screen

    Your kiosk is not a giant tablet or smart phone, so don’t treat it like one. Each screen should clearly and concisely communicate what you want the customer to do.

    It’s better to have more screens that clearly guide the customer through the process, than a few cluttered and confusing screens. This is an amateur kiosk mistake.

    Below is a good example from Redbox on how much text is appropriate.

    5. Using the wrong enclosure (or none at all!)

    The PC or tablet is the brains of your kiosk and it must be protected by a secure enclosure. Exposed USB ports are a hacker’s wet dream because they make it easy to install malware.

    Several turnkey enclosure options are available for tablets and kiosks. Here are a few options…

    Tablet Enclosures

    Full Kiosk Enclosures

    6. Not monitoring for downtime

    Do your kiosks have regular downtime and you don’t even know it?  Are your customers opting for the cashier without your knowledge?

    The answer may be YES if your system experiences regular downtime. Worst of all, you might not know the extent of the damage until your customers are thoroughly pissed off.

    Kiosk downtime can cost you more than you think and it’s easy to monitor your kiosks in real-time so you can address issues quickly.

    A couple good options which offer both monitoring and remote access include…

    7. Unengaging kiosk attract screen

    The kiosk attract screen is the first thing your customer sees when they approach your kiosk.

    The kiosk attract screen should entice customers to engage with your kiosk.  Many times, this is not the case because the attract screen is poorly designed.

    Below is a good example of a kiosk attract screen from McDonald’s.

    A well-designed kiosk attract screen should incorporate the following:

    • Clearly communicate your kiosk’s purpose
    • Convey the benefit of using your kiosk
    • Use short, large and easily readable text
    • Incorporate eye-catching photography
    • Be relevant to your customer demographic

    8. Waiting until too late to consider payment devices

    This is one of the biggest problem’s companies encounter where they really paint themselves into a corner.

    I regular get questions like, “how do I integrate payment device X into my Android app?”

    Payment device manufacturers typically only support one or two operating systems (Windows, Linux, iOS, Android, etc.). In many cases the payment device manufacturer doesn’t make an SDK for Android, so you’re left with doing a very low-level hardware integration, or scrapping the entire kiosk app and starting over in a supported operating system.

    I’m not trashing Android; my point is to consider early in your project if the payment device you need supports the operating system you want to use.

    iOS and Android in particular, will have a limited selection when it comes to payment devices. Whereas Windows and Linux will have the broadest number of options.

    This is one of those mistakes that can completely wreck your budget and timeline.

    9. Failing to understand EMV and PCI Compliance

    What’s the difference between EMV compliance vs PCI compliance?  The short answer is they’re both guidelines for protecting cardholder data for the purpose preventing fraud, but they focus on different elements of the credit card transaction.

    “To clarify it even further and more simply, PCI is about making sure the card data doesn’t get stolen and is secure in the first place and EMV is making sure if the data IS stolen that the content is rendered useless.”


    10. Not considering technical debt

    Technical debt (also known as design debt or code debt) is a concept in software development that reflects the implied cost of additional rework caused by choosing an easy solution now instead of using a better approach that would take longer.


    Technical debt is a broad term, but I’m going to use it in the context of the framework you use to develop your kiosk application (.NET, Electron, React Native, Swift, etc.).

    Your code base will need regular maintenance, so make sure to select a popular framework which you can actually find developers to maintain.

    Your developer may love coding in Flutter, but can you easily find a replacement in a pinch if your current developer were to quit?

    The ugly truth is, whatever framework you choose today will seem old and outdated 2 years from now. You might as well choose a framework that’s popular and trending upwards.

    11. Improperly storing customer data

    A security breach is always a possibility. To minimize the risk, it’s best to ask ourselves, “What’s the worst thing a hacker could get if this kiosk got hacked?”

    By not storing any cardholder or other sensitive data on the kiosk it goes a long way towards minimizing the damage if your kiosk were to get hacked.

    Modern EMV devices will completely separate your kiosk application from the card holder data so you don’t even have the opportunity to store or transmit cardholder data.

    12. Not offering concierge service for your first MVP kiosk

    A minimum viable product (MVP) is a concept from Lean Startup that stresses the impact of learning in new product development. Eric Ries, defined an MVP as that version of a new product which allows a team to collect the maximum amount of validated learning about customers with the least effort. This validated learning comes in the form of whether your customers will actually purchase your product.

    Agile Alliance

    The kiosk MVP is a whole series unto itself. Long story short, get a basic version of your kiosk out in the real-world as soon as possible and start collecting real customer feedback.

    In order to maximize the value of customer feedback, place a real-life human being near your kiosks to assist customers and see how they interact with your MVP kiosk.

    As a developer, it’s easy to get ivory tower syndrome and think customers will know exactly how to use your kiosk. When in reality, this is likely the first time they’ve ever encountered your kiosk and it’s probably not as “user friendly” as you think.

    You’ll learn a lot by listening to your first customers and be able to quickly incorporate their feedback to provide a superior self-service experience.

    Wrapping Up

    Self-service payment kiosks are a powerful tool for boosting sales, reducing customer wait times and combating a rising minimum wage, but it’s also a double-edged sword.

    Due to the disconnected nature of self-service, it’s easy to lose touch with your customers and their needs.

    This is why the concierge service for your first MVP kiosk is so critical.

    By being forward thinking and following these tips, you will avoid some of the most common and costly pitfalls companies make on their first payment kiosk.

    Andrew Savala
    Andrew Savala
    CEO at RedSwimmer Inc.
    Andrew Savala is the CEO of RedSwimmer, with a background in designing and deploying complex payment kiosk systems.Andrew offers high-value, strategic consulting services to companies looking to develop their payment kiosks.

    TouchPay Member Profile


    Bill Payment Kiosk by TouchPay

    TouchPay™ is the country’s only fully automated, real-time, stand-alone bill pay kiosk terminal that, in partnership with over Touchpay bill pay kiosk  hundreds of billers from utilities, telecommunications, ticketing, gaming, e-government, insurance and much more, offers the Filipino the ultimate convenience in bills management incorporating speed, safety, and security, 24 hours a day, 7 days a week.

    If you’re tired of getting in line at the bank or the mall for paying up your bills, TouchPay™ is the best solution to cut time and effort. All of the services you can think of are available at your fingertips: from electric bills, to internet, to flight tickets and booking, to remittance, to loading stations. There’s no need to wait in line that feels like forever when you can pay via TouchPay™ – Easy. Secure. Convenient.

    Touchpay More Information

    More Sitelinks

    DTE offers cash payment kiosks for low-income customers

    DTE offers cash payment kiosks for low-income customers
    Payment Kiosks

    Ferndale-based DivDat is rolling out ATM-like payment kiosks for customers to pay by cash in Rite Aids


    The 30 kiosks placed at DTE payment centers and select Rite Aid pharmacies in locations around Detroit and Michigan accept all forms of payment, including cash. The targeted customer is someone who might not have a credit card or bank account.

    Early returns are strong, company executives say. Of the utility’s 200,000 walk-in payment transactions, 25,000 used a DivDat kiosk last month. The use of its kiosks grows between 10% and 15% month-over-month. More than 90% of customers who use the kiosk one time use it again.

    For Bierkle, the goal is broader than Michigan.

    “We want to eliminate convenience fees nationally,” he said in an interview at the Ferndale headquarters for DivDat, short for “diversified data.” “We don’t think it’s right.”

    He imagines a future of conveniently located kiosks where customers could pay a variety of bills, from water to electric to phone, in one spot without charge. Unlike a payment center, these kiosks would be located in retail stores like Rite Aids that are open on nights and weekends.

    A separate trial program inside several area churches also is under way, he said.

    The growing use of cash-collecting kiosks in Michigan comes as the Obama administration launched a new initiative last week to boost banking access for millions of Americans who don’t currently have checking or savings accounts.

    “For many, it is hard to imagine how it would be possible manage financial affairs without basic products like a checking account or a credit card,” Treasury Secretary Jacob Lew said Tuesday in an announcement about new public-private efforts to reach low-income populations. “But the consequences of exclusion are real, and expanding access to financial services is important at every level of the global economy.”

    The recent financial lending crisis and recession have shined a light on the potential dangers for consumers who shell out higher rates and fees for access to last-ditch credit. Millions of Americans don’t have a sufficient enough financial history to receive a credit score, which can unlock traditional forms of lending, according to Lew.

    Bierkle says DTE customers already are using the blue-and-gray kiosk in a number of ways its creators did not necessarily anticipate.

    Some customers are prepaying their bills to ensure they don’t lose service if times get tight. Others pay a little at various times during the month.

    Ted Williams, 61, who lives on Detroit’s east side and works in inventory at Ford, said he uses the kiosks at DTE payment centers when the lines grow too long or at a Rite Aid near the city airport when he stops in to pick up a prescription.

    “It’s very easy to use,” Williams said. “I wait until the last minute so I go in to drop off my check.”

    Caregivers including parents of children living away from home and adult children of elderly people are also using the system to pay bills remotely for others.

    There is also evidence, Bierkle said, that the millennial generation in some cases prefers cash, making the kiosk attractive beyond those who may be without a bank account or credit card.

    But there are hurdles left to clear to move the business beyond its early stages.

    “We have two challenges,” he said. One is building awareness about the availability of the kiosks and another is reducing concerns that installing kiosks means putting customer-service employees out of work.

    For Bierkle, the kiosks are a natural evolution for his family’s business that started in early 1971 as a data processing company. Later, it developed a variety of bill-paying services for companies that progressed from the mail to faxes to the Internet.

    DTE sought a partner in 2012 for the kiosk idea and eventually found DivDat. DivDat charges DTE to operate the kiosk and the bill-paying company rents space from local Rite Aids in addition to kiosks stationed in DTE payment centers.

    “I consider it wildly successful,” Ronald Gillmore, kiosk program manager for DTE, said in an interview.

    The program collects about $3.5 million a month for the utility.

    “We’re probably going to look at expanding the network,” Gillmore said. DTE has 2.1 million electric customers and 1.2 million gas customers (and some overlap), the company said.

    It can still be a challenge to persuade some older customers to adapt to the new technology, Gillmore said. But once they do, most become repeat customers, he said.

      Bill Pay Kiosk for county business in Atoka 

      Bill Pay Kiosk for county business in AtokaBill Pay Kiosk for county business in Atoka

      Starting this morning South Tipton County residents will be able to conduct county business in Atoka.


      Three months ago the Tipton County Legislature appropriated $12,800 for a kiosk in the lobby at Atoka City Hall and it will be unveiled at a ribbon cutting today at 10 a.m.

      Residents will be able to renew vehicle registration and pay court fines and county property taxes 24 hours a day at the kiosk.

      Bill Pay News – PayPal Suspends TIO Operations Permanently

      TIO Networks Suspends Operations Editors Note: Thanks to Olea Kiosks for sending update to us here at Kiosk Industry. Olea provides bill pay services.

      Update: March 22, 2018 @ 4:00pm ET

      Bill Pay TIO Networks Provides Second Update on Suspension of Operations

      After careful consideration, PayPal has decided to not restore TIO’s services and will wind down TIO’s business accordingly. We thank you for your patience as we made this difficult decision. We apologize for the inconvenience the discontinuation of services has caused our billing partners, retailers, agents, and their customers – and we appreciate your partnership and support for the past 20 years.

      As previously announced, the PayPal platform is not impacted in any way and PayPal’s customers’ data remains secure. PayPal remains committed to our mission to democratize financial services and provide secure, convenient and affordable ways to move and manage money to those who are underserved by the financial system.

      If you are a TIO biller, retailer or agent and have any questions or would like to speak to someone about this situation, please feel free to contact the TIO call center at (866) 710-0846.

      If you are an affected customer that received a notice about the TIO security incident, and have any questions, you can still reach out to the Experian call center Monday to Friday 6:00 AM – 6:00 PM PT, and Saturday and Sunday 8:00 AM to 5:00 PM PT at (855) 272-6796 (toll-free) for domestic callers or (479) 788-5000 (toll) for international callers.

      Update: December 1, 2017 4:30PM ET

      TIO Networks Provides Update on Suspension of Operations

      As announced on November 10, the operations of TIO Networks were suspended to protect customer data as part of an ongoing investigation of security vulnerabilities of the TIO platform. We have been working tirelessly to conduct a thorough review and get to the bottom of the situation. Now we have a clearer picture.

      The ongoing investigation has uncovered evidence of unauthorized access to TIO’s network, including locations that stored personal information of some of TIO’s customers and customers of TIO billers.

      TIO has begun working with the companies it services to notify potentially affected individuals. We are working with a consumer credit reporting agency to provide free credit monitoring memberships. Individuals who are affected will be contacted directly and receive instructions to sign up for monitoring.

      We greatly appreciate the support of our billing partners, retailers, agents and consumers during this time. We will continue to communicate important updates to customers.

      If you are an affected customer that received the customer notice, and have any questions, you can reach the Experian call center Monday to Friday 6:00 AM – 6:00 PM PT, and Saturday and Sunday 8:00 AM to 5:00 PM PT at (855) 272-6796 (toll-free) for domestic callers or (479) 788-5000 (toll) for international callers.

      If you are a biller, retailer or agent and have any questions or would like to speak to someone about this situation, please feel free to contact the TIO call center at (866) 710-0846.

      Beginners Guide to Developing Kiosk Software – Part 3

      Beginners Guide to Developing Kiosk Software

      Pitfalls to avoid when developing payment kiosks

      This is my third and final article in a series titled “A Beginners Guide to Developing Kiosk Software.” In this article I’m not even going to attempt to delve into the

      KioskSimple CEO Andrew Savala
      KioskSimple CEO Andrew Savala

      specifics of developing support for accepting payments because there is a huge variation between payment devices and their interfaces. What I am going to cover is the decision making process you as a developer or business owner need to carefully step through when you decide to make your kiosk accept payments. If you have any questions about a specific payment device please shoot me a message on one of my social media channels listed at the end of this article.

      Will that be Cash or Credit?

      While this is really more of a business decision driven largely by your customer demographics it has a significant impact on development. Credit card readers are relatively easy to integrate with and are pretty much dummy proof (but not always child proof). With a credit card reader there’s no reason to be concerned about bill jams or updating firmware to support the latest “Monopoly” money looking $100 bills. Going with credit is more desirable from a design standpoint, which is all well and good as long as you don’t have a line of cash customers waiting to use your kiosk.

      In my experience cash customers tend to be the poorer and/or the ever evaporating, less tech savvy demographic. We’ve found that kiosks placed in rich and/or college towns tend to accept a ton of credit card payments whereas the kiosks placed in poorer communities tend to be mainly small cash transactions. Another huge issue with accepting cash is that the cashbox needs to be emptied regularly, which can mean hiring an expensive armored truck service. Some businesses are hung up on the idea of “going cashless” and if this is your client by all means accept the cash, just make sure you’re aware of the challenges associated with accepting this form of payment.

      But I want my kiosk to give out change!

      When you say give out change are you thinking coins or bills? That is the first question I would ask my client wanting this functionality. The second question would be “Why is it necessary to give out change?” You can certainly house a big coin hopper in the kiosk but you have to consider if it’s worth the headache of keeping it stocked with coins and servicing coin/gum/paper/etc… jams. After understanding what giving change in coins entails our client’s often opt to round up to the nearest dollar and dispense change in bills. Typically we’re dealing with clients who are selling products and services no less than $20 per transaction and rounding up the change to the nearest dollar is worth eliminating the headache of dealing with coins. Optimizing your pricing to minimize the need to give change can be an effective strategy also. Accepting and dispensing change (in coins) is something I would recommend avoiding if you can get away with it.

      Ok so what about giving back change in whole bills? This is very doable, but you’re talking about investing in a relatively expensive bill recycler. To give you a little background, a bill recycler (or bulk note recycler) is a hybrid bill acceptor which both accepts and dispenses bills. The recycler uses the bills from previous transactions to dispense change but you also need to keep it stocked to ensure you always have sufficient bills of all increments.

      We’ve integrated the MEI BNR (Bulk Note Recycler) into multiple kiosk projects

      MEI BNR Cash Recycler often used in supermarket checkout
      MEI BNR Cash Recycler often used in supermarket checkout

      and I would highly recommend this product. Both the product and their developer support are excellent.

      Can my kiosk accept checks?

      The short answer is yes, but I wouldn’t recommend it because of the potential for check fraud. Next time you pass by a bill payment kiosk see if it accepts checks and ask yourself why not. Once upon a time we actually developed a kiosk application equipped with a check scanner and then automatically sent the check images to a bank to deposit them, but this was purely for use with checks issued internally by the organization. Again I wouldn’t recommend it.

      Don’t ignore PCI compliance

      PCI-DSS compliance is a huge issue in today’s retail environment and the same is true for retail kiosks or any kiosk where you’re accepting credit card payments. It’s critical that you understand how to adhere to its guidelines or you may end up putting your clients at risk of fines and your customers at risk of credit card fraud. The whole purpose of PCI compliance is to protect card holder data and many of the guidelines are no-brainers. Just search the web for the phrase “kiosk PCI compliance” and you will find a whole wealth of useful information on the topic. Bottom line is, you need to protect the customer’s credit card data by ensuring that it’s always transmitted securely via SSL and NEVER store credit card data on the kiosk.


      Thank you for taking the time to read this short series on developing kiosk software. The last thing I wanted to mention is that when developing support for kiosk payment devices you’ll find that each device will commonly have its own proprietary interface or API. We’ve created a handy kiosk software product called KioskSimple that makes it easy for your kiosk to start accepting payments with writing only very little code, so you can check that out at We also offer a generic API for payment devices that makes it simple to swap between different devices, any many cases without the need to modify your code at all.

      Paying with cash at Arizona Motor Vehicle Division kiosks

      Cash kiosk dmv The Republic |  Published 12:10 p.m. MT Feb. 23, 2017 | Updated 12:24 p.m. MT Feb. 23, 2017

      “There’s been a noticeable increase in kiosk usage since we implemented the cash option,” said MVD Director Eric Jorgensen in a statement. “Compared to a year ago at this time, the kiosk usage has increased more than 50 percent. Part of that is due to higher overall customer awareness of kiosks, but there’s been a definite uptick in usage since the cash kiosks were put in place.

      “It’s a continuation of our vision to get people out of line and safely on the road.”

      Cash kiosks handle all paper U.S. currency and are able to make exact change. The machines also accept personal checks.

      Behind the scenes — About the kiosk

      More Information

      KIOSK Information Systems Announces Licensed Bill Pay Software Product | Business Wire

      bill pay software

      KIOSK Information Systems to Demo New Bill Payment Software at the 2017 NRF Big Show, Booth #3805


      KIOSK Information Systems Announces Licensed Bill Pay Software Product

      Reduces Development Costs, Speeds Time to Market, and Increases Store Productivity

      LOUISVILLE, Colo.–(BUSINESS WIRE)–KIOSK Information Systems (KIOSK) is announcing a new bill pay software platform at the NRF Big Show, 2017, Booth #3805. The modular application provides a complete user flow for payment of multiple bills (via cash, card, and check) and common account inquiries. While unique customer features or additional flow paths can be readily integrated by KIOSK’s Application Development team, the base product license accomplishes the most common transaction functionality KIOSK has encountered with other major retail bill payment and money services clients.

      KIOSK Information Systems to Demo New Bill Payment Software at the 2017 NRF Big Show, Booth #3805

      KIOSK CEO, Tom Weaver, states, “Without question, bill payment is KIOSK’s most consistent and dominant market application. Many of our clients are in their second or third generation of self-service having already proven the enormous impact of automating literally millions of transactions each year. The ROI on in-store bill payment has moved it from a ‘nice to have’ in-store feature to a ‘must-have’ element to maximize store profits.”

      Having worked with most of the dominant phone and cable service providers as well as leading electronic bill payment and money transfer clients, KIOSK’s Development Teams embarked on creating a more turnkey and modular software product, with a pre-established user flow for multi-bill account look-up and payment processing. By offering this as licensed functionality, KIOSK can reduce development timelines by 50% or more, leaving only specialized requests and client-specific API integration to complete.

      KIOSK CTO, Charley Newsom, adds that “Our team has integrated our bill payment software with CORE K-NECT to include our proprietary remote monitoring and real-time alerts on connectivity, application status, and advanced payment component-level monitoring in the base product license. This capability, combined with our Intel Security Suite software stack options, creates a secure and PCI compliant total solution that has been vetted and deployed with Fortune 500 client applications. The custom hardware has always been a ‘given’ with KIOSK, but over the course of several years, we have developed a fully secured and finished TOTAL payment solution that we are very proud and excited to bring to market.”

      For a closer look, please visit us at NRF’s Big Show, Booth #3805.

      About KIOSK Information Systems:

      As the Market Leader in Self-service Solutions, KIOSK provides proven expertise in design engineering; application development, integration, manufacturing, field support, and managed services for even the most sophisticated self-service platforms. An exceptionally broad portfolio of standard and custom KIOSK designs are deployed among Top 100 Retailers and Fortune 500 clients in virtually all self-service vertical markets., 800.509.5471.


      Press Contact:
      Cheryl Madeson, 303-661-1648


      KIOSK Bill Pay Brochure

      PayPal to Acquire TIO Networks – TIO Networks Investor Relations

      Expands PayPal’s Reach Into the U.S. Bill Payment Channel with More Than 10,000 Supported Billers, 65,000 Over-the-Counter Locations and 900 Operated Kiosks

      Bill Pay TIO


      SAN JOSE, Calif. & VANCOUVER, BC – PayPal Holdings, Inc. (Nasdaq: PYPL) and TIO Networks Corp. (TSXV: TNC), a cloud-based multi-channel bill payment processing and receivables management company, today announced a definitive agreement under which PayPal will acquire TIO for $3.35 CAD ($2.56 USD) per share in cash or an approximate $304 million CAD ($233 million USD) equity value. The purchase price represents a premium of 25.2% to TIO’s 90-trading day volume-weighted average price as of February 13, 2017, and 22.6% to the 20-trading day volume-weighted average price as of January 9, 2017, the trading day immediately preceding the date TIO entered into exclusive negotiations with PayPal.

      TIO is a leading multi-channel bill payment processor in North America and processed more than $7 billion USD in consumer bill payments in fiscal 2016. TIO serves 14 million consumer bill pay accounts* and offers convenient solutions for expedited bill payment services to financially underserved consumers. The company has more than 10,000 supported billers and numerous direct relationships with billers, which enable TIO to quickly process telecom, wireless, cable and utility bill payments for TIO’s customers. Using TIO’s approximately 900 operated self-service kiosks, approximately 65,000 retail walk-in locations, and mobile and web solutions, customers can conveniently pay their bills while avoiding the service interruptions and financial penalties associated with missed payment deadlines.

      Dan Schulman, President and CEO of PayPal, said, “By acquiring TIO and integrating bill payment into our global payments platform, PayPal adds another key service in our efforts to become a part of a consumer’s everyday financial life. Worldwide, more than 2 billion** people do not have affordable access to basic financial services, making it difficult and expensive for consumers to carry out basic financial tasks, including bill payment. TIO’s digital platform, and physical network of agent locations make paying bills simpler, faster, and more affordable. We are excited by the opportunity to extend this valuable service to our existing customers and welcome new billers and customers to PayPal.”

      Hamed Shahbazi, Chairman and CEO of TIO, remarked, “We founded TIO to make speed and access part of the bill payment experience for the underserved, and we believe that we have created affordable products to serve the needs of all customers. Our mission fits perfectly with PayPal’s vision to democratize money. As part of the PayPal team, we believe we will accelerate our growth through expanded distribution and continue increasing access to more billers and services.”

      Expected Strategic Benefits of the TIO Acquisition

      • Aligned with PayPal’s Vision: TIO supports PayPal’s vision of democratizing money by giving consumers more convenient and affordable ways to pay their bills.
      •  Expands Market Opportunity: TIO accelerates PayPal’s entry into bill payments with 14 million consumer bill pay accounts*, approximately 60 million transactions processed in TIO’s fiscal 2016 and a processing network that includes more than 10,000 billers.
      • Extends Consumer Value Proposition: PayPal’s intention is to offer TIO’s valuable service to PayPal’s customers within its online and mobile experiences.

      Upon closing of the acquisition, TIO will operate as a service within PayPal.


      Financial Highlights of Acquisition

      PayPal intends to fund the transaction with cash on its balance sheet. There will be no change to PayPal’s previously communicated fiscal 2017 guidance and three-year outlook based on the acquisition of TIO. For the fiscal year ended July 31, 2016, TIO generated $74.7 million CAD in revenue ($57.1 million USD) and $10.6 million CAD in adjusted EBITDA ($8.1 million USD). TIO defines EBITDA as earnings before interest, tax, depreciation and amortization and adjusted EBITDA as EBITDA plus stockbased compensation, non-recurring transaction and restructuring expenses.

      Transaction Details

      The acquisition is expected to close in the second half of 2017, and will be completed by way of a plan of arrangement under the Business Corporations Act (British Columbia). The completion of the transaction will be subject to the approval of at least two-thirds of the votes cast at a special meeting of TIO shareholders and optionholders present in person or represented by proxy at the meeting, by: (i) TIO shareholders; (ii) by TIO shareholders and optionholders, voting together as a single class; and (iii) a majority of the votes cast by TIO shareholders present in person or represented by proxy at the meeting, excluding for this purpose votes attached to the TIO common shares held by persons described in items (a) through (d) of Section 8.1(2) of Multilateral Instrument 61-101 – Take-Over Bids and Special Transactions.

      The meeting of shareholders and optionholders is expected to take place in April, 2017. In addition to TIO securityholder approvals, the transaction is also subject to other closing conditions, including the receipt of approvals relating to TIO’s money transmitter licenses, the expiration or early termination of the applicable pre-merger waiting period under the Hart-Scott-Rodino Antitrust Improvements Act of 1976, and court approval in British Columbia, Canada.

      The transaction has been approved by the boards of directors of each of TIO and PayPal, and the TIO Board recommends that TIO shareholders and optionholders vote in favor of the Arrangement. The recommendation of the TIO Board was based on the recommendation of a special committee of independent directors of TIO. The financial advisor to TIO, Raymond James Ltd., has provided a fairness opinion to the special committee and board of directors of TIO that, subject to the assumptions, limitations and qualifications set out in such fairness opinion, the consideration to be received by TIO shareholders pursuant to the plan of arrangement is fair, from a financial point of view, to the TIO shareholders.

      In addition, TIO shareholders, directors and officers, including funds managed by Core Innovation Capital, Napier Park Financial Partners, Edison Partners, Inter-Atlantic Advisors and Inductive Capital, representing approximately 50.4% of the issued and outstanding common shares have agreed to vote their shares in favor of the transaction. The transaction includes customary deal protection provisions, including non-solicitation of an alternative transaction and a termination fee payable to PayPal under certain circumstances.

      Further information regarding the transaction will be contained in the management information circular which is expected to be mailed to TIO shareholders in March in connection with the special meeting of TIO shareholders to be held to consider the transaction. Copies of the definitive agreement and the management information circular will also be available under TIO’s SEDAR profile at In addition, free copies of the documents may be obtained from TIO’s investor relations website at or by contacting TIO investor relations at All TIO shareholders are urged to read the management information circular as it will contain additional important information concerning the transaction.


      Perella Weinberg Partners LP is acting as financial adviser to PayPal, and Sidley Austin LLP and Blake, Cassells & Graydon LLP are acting as legal advisers on the transaction. Raymond James Ltd. is acting as financial adviser to TIO, and Davies Ward Phillips & Vineberg LLP, and Fasken Martineau DuMoulin LLP and Morrison & Foerster LLP, are acting as legal advisers for the TIO Special Committee and TIO, respectively.


      $1 CAD = $0.764 USD

      * Consumer bill pay accounts represent the total number of accounts between consumers and billers. A consumer may have a relationship with more than one biller and may have more than one account.

      ** Source: World Bank Global Findex 2014.

      About PayPal

      Fueled by a fundamental belief that having access to financial services creates opportunity, PayPal (Nasdaq: PYPL) is committed to democratizing financial services and empowering people and businesses to join and thrive in the global economy. Our open digital payments platform gives PayPal’s nearly 200 million active account holders the confidence to connect and transact in new and powerful ways, whether they are online, on a mobile device, in an app, or in person. Through a combination of technological innovation and strategic partnerships, PayPal creates better ways to manage and move money, and offers choice and flexibility when sending payments, paying or getting paid. Available in more than 200 markets around the world, the PayPal platform, including Braintree, Venmo and Xoom, enables consumers and merchants to receive money in more than 100 currencies, withdraw funds in 56 currencies and hold balances in their PayPal accounts in 25 currencies. For more information on PayPal, visit For PYPL financial information, visit

      About TIO Networks

      TIO is a cloud-based multi-channel bill payment processing and receivables management provider, serving the largest telecom, wireless, cable, and utility bill issuers in North America. TIO integrates with the back office of billing systems to accept, validate, and collect payments via self-service kiosk, retail walk-in, mobile, and web solutions. With approximately 60 million transactions processed in fiscal 2016 and a processing network that serves more than 10,000 billers, TIO symbolizes fast, convenient, and secure access to expedited bill payment services.

      Visit or join the conversation on Twitter and Facebook.

      Neither TSX Venture Exchange nor its Regulation Services Provider (as that term is defined in policies of the TSX Venture Exchange) accepts responsibility for the adequacy or accuracy of this release.

      KIOSK (KIS) acquired by Posiflex

      KIOSK (KIS) acquired by Posiflex

      Editor Note: The acquisition of KIOSK by Posiflex is official. In a blockbuster deal Posiflex is expanding from its historical POS transactional market into the self-service kiosk market in a huge way. With a Posiflex market cap of over $11 Billion, KIOSK becomes part of a company over twice the size of NCR, the other major kiosk  player.

      From our vantage point this acquisition will provide all types of advantages to KIOSK and help it grow market share faster. KIOSK had been purchased by Alerion Capital three years and their principal aim seemed to be to accelerate the profit and then turn the company after three years.  I expect Posiflex will make some very positive investments which should allow KIOSK to truly become the dominant state-of-the-art manufacturer.   We spoke with Weaver and yes he is staying (and we expect the COO Dan Houck will stay as well).  Well played!

      Press Release:

      KIOSK Information Systems Uniting with Taiwan Posiflex

      Two dominant transaction solution providers combine technological strengths to advance global leadership in service automation industry

      NEW TAIPEI CITY, Taiwan–(BUSINESS WIRE)–Taiwanese Point-of-Sales terminal brand leader Posiflexannounced today that they have entered into a purchase agreement with KIOSK Information Systems (KIOSK), a world leader in self-service solutions. Posiflex will offer KIOSK a cash purchase for all outstanding ordinary shares, for a total consideration of approximately $US 105 million. Both companies are industry forerunners known for best-in-class POS and self-service platforms. Combining these complementary strengths positions Posiflex for continued growth tied to emerging “Internet of Things” (IoT) applications within the service automation industry.

      “By combining Posiflex and KIOSK’s dual-value proposition in this domain, we are confident in emerging as the leader in this growing market.”

      Tweet this

      Retailers, financial service providers, hospitality and logistics service providers are key among an even wider industry audience driving steady and steep demand in transaction automation. Deployers are increasingly incorporating self-service as a “must-have” element of today’s Omnichannel consumer experience; increasing touch points, reducing costs – all while simultaneously collecting valuable transaction data. KIOSK is unique among its’ competitors in its ability to provide a complete end-to-end solution encompassing custom design engineering, manufacturing, software development, field services, and highly secure managed services. This “total solution” approach to services has fueled KIOSK’s continued growth and reinforced analyst’s rankings of KIOSK as the dominant North American provider and #3 globally.

      As the IoT is driving improved asset utilization, better logistics management, and better customer experiences, self-service automation platforms become an increasingly integral element of Omnichannel sales strategies. Utilizing IoT data from transactions provides valuable insight for customer-specific data collection and enables customized point of sales marketing. Posiflex CEO Owen Chen adds that, “By combining Posiflex and KIOSK’s dual-value proposition in this domain, we are confident in emerging as a distant leader in this growing market.”

      Post-transaction plans are to retain and empower the current KIOSK Management Team with no operational or organizational restructuring required as result of the transaction. Tom Weaver, KIOSK’s current CEO, will now hold dual Board of Director roles for both Posiflex and KIOSK. This will accelerate efforts of the current management team to execute KIOSK’s strategic growth plans, leveraging key Posiflex resources. Access to a global sales network and highly relevant engineering / integration capabilities are among many strategic leverage points created by combining the companies.

      Leveraging Posiflex’s international channel reach throughout Greater China, Asian Countries, Russia, India, and Europe; KIOSK is uniquely positioned to ensure sustainable market growth not only in North America, but also the global marketplace. Further, Posiflex will provide substantial advantage for KIOSK tied to upgrading critical components and peripheral modules. This ultimately enhances KIOSK’s future solution offerings with even more advanced product and service coverage capabilities.

      KIOSK CEO Tom Weaver adds, “We firmly believe that joining forces with Posiflex fully supports our growth objectives and represents the best interests of our customers and employees. Having overnight access to Posiflex’s international presence and complementary technology resource adds distinct competitive advantage and differentiation. This combined scale opens new doors to growing world markets and further advances KIOSK’s ability to provide comprehensive and state-of-the-art solutions.”

      This transaction was advised by KPMG Corporate Finance LLC, and is expected to close in 2016-Q3.

      About Posiflex:

      Founded in 1984, Posiflex Technology, Inc. has designed and manufactured its own-branded and world-class POS solutions. Recognized as a pioneer and leader in the industry, Posiflex has been awarded more than 30 patents for innovative design. The company’s products are manufactured in two ISO 9001/9002/14001 facilities in Taiwan and sold worldwide through retail, hospitality, banking, healthcare, kiosks and many other verticals. Posiflex’s offices are in the USA, Germany, China, India, Singapore, Malaysia, Japan, Dubai and Argentina along with the global distribution networks to provide direct and timely support to its customers around the world. For more information:

      About KIOSK Information Systems:

      As the Market Leader in Self-service Solutions, KIOSK provides proven expertise in design engineering; application development, integration, manufacturing, field support, and managed services for even the most sophisticated self-service platforms. An exceptionally broad portfolio of standard and custom KIOSK designs are deployed among Top 100 Retailers and Fortune 500 clients in virtually all self-service vertical, 800.509.5471.


      Cheryl Madeson, 303-661-1648

      From the China Post

      TAIPEI — Posiflex Technology Inc. (振樺電子), a Taiwan-based Point-of-Sales terminal brand, has agreed to acquire KIOSK Information Systems in the United States, the largest self-services solution provider in North America.

      Under the acquisition agreement, Posiflex will spend US$105 million to acquire KIOSK, marking the largest acquisition deal in the industrial computer sector in Taiwan. Posiflex’s board of directors has approved the acquisition.

      Market analysts said that the deal showed Posiflex’s ambitions to expand by swallowing a large company like KIOSK; the consideration of the deal is almost five times the Taiwanese suitor’s paid-in capital.

      According to the Taiwan Stock Exchange, Posiflex is capitalized at NT$676 million (US$21.6 million), and had started procedures for listing on the local main board since November 2012. Before the main board’s listing, Posiflex had been listed on the over-the-counter market since July 2005.

      Commenting on the acquisition deal, Posiflex said that KIOSK ranks as the third largest self-services solution provider in the world. The U.S. firm’s clients come from a wide range of industries globally, like telecom services, retail, logistics and financial services, Posiflex said.

      Among the prominent clients of KIOSK are AT&T, IKEA, PepsiCo., McDonald’s and U.S. Postal Services, Posiflex added.

      The suitor said that the acquisition agreement was reached because KOISK’s major shareholder, a private equity fund, was planning to dispose of the U.S. firm for profit. Through the acquisition, Posiflex said that it expects to enter the self-services business by taking advantage of the suitor’s existing lead in the Point of Sales terminal technology.

      In the past three years, KIOSK posted more than 30 percent in compound annual growth rate (CAGR) with its gross margin ranging between 35 percent and 40 percent, Posiflex said. In the first seven months of this year, KIOSK’s earnings before interest, taxes, depreciation and amortization topped US$7 million, Posiflex added.

      Analysts said that after the acquisition, Posiflex is expected to see its revenue for next year double from this year. In the first seven months of this year, Posiflex posted NT$1.78 billion in consolidated sales, up 6.18 percent from a year earlier.

      “By combining Posiflex and KIOSK’s dual-value proposition in this domain, we are confident in emerging as a distant leader in this growing market,” Posiflex Chief Executive Officer Owen Chen said in a statement.

      Posiflex said that it will assign its own funds to pay for 20 percent of the total consideration in the deal, while it will be seeking bank loans to pay for the remaining amount. The company said that it could issue new shares and convertible bonds to repay its bank loans in the future.

      After the acquisition is completed, Tom Weaver, KIOSK’s current CEO, will hold dual board of director roles for both Posiflex and KIOSK.


      Financial kiosk – QPAGOS Rolls Out Self Service Kiosks in Mexico Micro Lender Branches

      bill pay kiosk

      In one visit to the QPAGOS kiosk, customers can also top up their mobile phone, pay their electric, gas, telephone and water bills, as well as pay for municipal services, entertainment services, transportation, and many more payment services.Click here to edit the content


      40 of 56 kiosks have been deployed so far with the balance expected to be deployed by the end of August; while over 20 mobile tablets with printers were deployed with a potential of over 70 deployed by the end of the year.

      Case Study – Courthouse Bill Payment with MEI BNR

      A speedy way to pay your
      speeding ticket

      When General Payment Systems, Inc. (GPSI) made the move into courthouse payment systems, they needed a compact solution that focused on a number of criteria including efficiency and reliability.

      The company found the perfect product thanks to an innovative cash recycler from Crane Payment Innovations. “We were moving into the court space and ultimately we wanted to find a way for traffic tickets and fines to be paid quickly,” said Chris Trujillo, Operations Manager at GPSI.Fundamentally, any product also had to be able to fit into a compact space, because, asMr. Trujillo states “courthouse lobbies are not big places and kiosks are traditionally large.”

      The solution was the MEI BNR (Bank Note Recycler), a product with modular design and flexible architecture that Trujillo describes as ‘the complete package’. The recycler is installed in a
      2ft x 2ft x 6ft kiosk which accepts check, money order, credit and debit card payments, and most importantly, accepts and pays change in cash.
      The MEI BNR is also suited for semi-protected outdoor environments – which is ideal for court-houses where indoor space is at premium and lobby hours are limited.

      The MEI BNR accepts notes in all USD denominations and pays change in four ($1, $5, $10, $20) – in bundles of up to 15 bank notes. “Cash handling is vital to our business as it’s how we market ourselves,” Cheri Tuccelli, VP Operations, GPSI explains. “We needed a quick and efficient solution and with payments of
      traffic and criminal fines we had the requirement of needing to give change. The BNR delivered on both these needs.”

      The MEI BNR delivers significant ROI thanks to: reductions in float, shrinkage and labor; improved machine uptime; cashback functionality, and enhanced security.

      The MEI BNR was designed to provide all of the cash handling ability of a human cashier with increased security and cash management benefits. GPSI estimates that the new kiosks
      are able to carry out the workload of two other units.

      The speed and efficiency of the kiosk reduces queuing and results in end-user-satisfaction.

      GPSI was awarded the contract for courthouses across the entire state of California – something they do not believe would have been possible without the MEI BNR and the support they
      received from Crane Payment Innovations.

      Mr Trujillo said: “Without the MEI BNR there would be no court contracts for us; it is a vital part of our kiosks. The court itself benefits in a number of ways. Firstly, there is no cost to them
      for our kiosks, as we make our money from the end user by charging a convenience fee. In addition there is less money spent on staff, more money received in the form of payments, and more staff hours to do other work.”

      After a successful pilot where the performance of the product was well received by all, GPSI expects to triple the number of units over the next six months. “Since we have installed the
      MEI BNRs, feedback has been 100% positive and any minor problems were resolved quickly and easily,” said Mr Trujillo. “Customers benefit from the reduced time to take the payment.
      Before we installed our kiosks, it would take hours to make a payment with no other choice than to wait in line; now, customers can come during their lunch break and get in and out fairly quickly. We even have kiosks outdoors which are accessible 24 hours a day.”

      In one month, the kiosks at the Kern County court handled more than 2,100 transactions totalling nearly $240k. Mr Trujillo said: “Installing the new kiosks means that court staff can be assigned elsewhere, reducing queues at payment windows and improving overall efficiency. At Kern Superior Court, they now close two hours earlier Monday to Thursday. Fridays are now a half day for the same reason. They have not lost any potential payments since the kiosks are still available even though there is no staff on duty. Throughout the county it is the same story.”

      Thanks to the reliability, efficiency and compact size of the MEI BNR, GPSI was able to implement a 24-7 solution that is delivering time and cost savings all while enhancing the customer experience. It even has some folks saying “crime does pay.”

      Chris Trujillo
      Operations Manager
      General Payment Systems
      22600 Lambert Street, Suite 707A
      Lake Forest, CA 92630
      (714) 460-9200

      Rick Kobal
      Director – Financial Services – North America
      CPI | Crane Payment Innovations
      3222 Phoenixville Pike, Suite 200
      Malvern, PA 19355 USA
      +1 704-907-7744

      Case Study_BNR_Feb 2016

      Contact Crane


      MoneyGram Wins Double Gold at 2016 PYMNTS Innovator Awards

      MoneyGram (NASDAQ: MGI) has won two prestigious gold awards recognizing the company’s commitment to innovation at the 2016 PYMNTS Innovator Awards ceremony. The company won “Best Cash Innovation” for revolutionary kiosk solutions and also “Best Comeback Story” for‘s new state-of-the-art online platform.


      A very successful kiosk project with bill payment. Kudos to KIOSK and all the partners. Key features include guest and kiosk information systems repeat user experience, multiple languages, and minimal data entry for the customer. MoneyGram’s kiosks can be found inside more than 2,200 CVS locations in the U.S. as well as inside stores and post offices in Europe.

      ARCA Announces End-to-end Cash Automation Solutions for Retailers At NRF Retail’s BIG Show 2016

      MEBANE, N.C., Jan. 12, 2016 /PRNewswire-iReach/ — ARCA, a global leader in the development of cash automation technology for banks, retail locations and self-service kiosks, today announced that it will demonstrate a three-level cash management approach at the NRF’s Annual Convention & EXPO, the United State’s premiere event for retail innovation, to be held January 17 – 20, in New York City.


      NRF’s Big Show 2016 focuses on the latest retail technology and trends. Cash handling has been identified as one of the major problems for retailers all around the world.  ARCA’s retail product range features a wide selection of hardware and software that adapts to various store formats and different retail needs.

      • A till-side cash deposit system is available for immediately securing high-value notes at checkout.
      • Mid-size smart safes allow retailers already benefiting from CIT pickups to obtain cash automation efficiency without changing their whole process.
      • Combined cash deposit/recycling solutions are convenient for operational cost reductions and cash management efficiency with an integrated cash recycling function that improves till float efficiency.

      ARCA and HP partnership


      Learn more about ARCA here: Since 1998, ARCA has been helping people find better ways to automate financial transactions in bank branches, …


      ARCA is definitely one of the leaders in financial technology. The Alliance with HP only increases their spread.  Another smart move by a smart company.

      ARCA Focus

      • Banking – financial institutions.
      • Retail Customers
      • OEM Customers – companies which incorporate ARCA technology

      About ARCA logo_arca_3_0_0

      We provide technology and services to help people control cash in bank branches, retail stores and self-service kiosks. Since the company began in 1998, ARCA has experienced strong, consistent growth and now has operations in the United States, the United Kingdom, Italy, Russia, India and China.

      More companies are seeking new and better ways to serve customers with transaction automation solutions. ARCA’s vision and commitment to customer service and technological innovation has helped companies become industry leaders.

      Today, ARCA provides the largest selection of cash handling devices of any manufacturer in the world. We provide cash automation technologies to customers in over 50 countries and support these devices with world-class service from our headquarters near the Research Triangle in North Carolina.

      Banks Reject New York City IDs, Leaving ‘Unbanked’ on Sidelines

      More than 670,000 people have obtained the identification cards since the program began in January. One of the program’s goals is to help many of those people obtain bank accounts.  But some of the biggest banks in the city — including JPMorgan Chase,Bank of America and Citigroup — will not accept the cards as a primary source of identification, even though their federal regulators and some smaller banks have approved their use.


      Good article on unbanked in New York, Thanks Kirk at ARCA!

      Branch Infographic: Moving Beyond Cost Reduction & Self-Service

      Ovum recently conducted a global survey of 300 retail banking executives to ask about their greatest branch challenges today, and where they believed the challenge might shift in the next few years.


      MVA offers kiosks to pay off traffic citations – WBAL Baltimore

      Bill Pay Kiosk

      Maryland drivers who have unpaid traffic citation fines have a new way to pay it off.

      The new bill pay kiosk can be used to pay the following district court traffic citations:

      – Speeding tickets
      – Seat-belt violations
      – Failure to display license on demand
      – Driving without current tags
      – Failure to stop at stop sign
      – Unsafe lane changing


      Cash Usage – The truth about the death of cash

      Cash usage – In the US, cash in circulation grew 42% between 2007 and 2012 (Credit: Getty Images)


      Read the entire article on It’s tempting to forecast the demise of cash. In fact, people have been predicting the end for physical money for nearly 60 years. With the rise of credit cards, contactless payments and cryptocurrencies like Bitcoin the death knells  have only gotten louder. 

      The Netherlands is an interesting case study to look at more closely, because their retail sector has recently embraced card payments in a big way. There are now 1,400 supermarkets in the Netherlands with registers that don’t accept cash.

      In the UK, half the transactions by consumers in 2013 were with cash

      As a result, card payments in the Netherlands have been growing by about 7  to 8% annually over the past few years. And yet, cash is still king. In 2012, there were 2.7 billion card payments, but an estimated 3.5 to 4 billion payments were made with cash. “Even in supermarkets which all accept debit cards, cash is still used heavily,” Jonker says. “For the time being we think cash will keep on having an important role.”
       Studies of other nations tie in with these findings.

      Bill pay kiosk – County installs self-service kiosks

      bill pay kiosk

      The Cameron County Clerk’s office has installed self-service kiosks in Brownsville and San Benito .


      The kiosks, which offer instruction in both English and Spanish, allow county residents to pay misdemeanor court fines quickly, easily and conveniently, officials said.

      Bill Pay Kiosk – Outdoor thru wall Jack

      Announcing newest Bill Pay Kiosk Outdoor thru wall JACK in a small city market.

      JACK Flash Update:

      The city of Winnsboro has a population of around 3400 & about 1000 water accounts. Winnsboro JACK went live Sunday, July 19th, & during only the first three days of operation JACK completed over 60 successful transactions (payment times range from 3AM to 10PM) and collected over $6200.

      Winnsboro JACK is ON THE JOB and working 24×7 to provide payment convenience for all the citizens. In Winnsboro you may contact City Manager Jeff Howell or City Secretary Shelly Griffin for more information.


      Cash Automation – ARCA & Crane

      Press release issued by ARCA today.  The addition of the cash recycler is big news plus the new Android support.  At some point ARCA will abstract these devices into network appliances, and cash is still 50% and holding steady (and growing some).


      Envoy™ tested and certified by CPI engineers as an integration solution

      Mebane, NC (July 9, 2015) — ARCA, a global leader in cash and payment automation technology, announced today that its self-service software development platform, Envoy™, is now compatible with Crane Payment Innovation’s (CPI) all-new MEI SCR bill recycler and SC Advance series bill acceptors. Envoy™ accelerates the integration of self-service transaction software with kiosk hardware by bridging the gap between software development and hardware integration.

      “Envoy is designed to help software developers quickly integrate hardware – no matter which devices they choose,” said Brian Honeycutt, ARCA’s OEM Market Manager. “The majority of our customers are using industry leading MEI products to handle cash transactions, so supporting this hardware is critical to accelerating the customer’s software development. We want our customer to get from an initial concept to a production-quality kiosk as fast as possible.”

      By integrating Envoy™ with two of CPI’s most popular components, ARCA is demonstrating its commitment to helping developers and engineers integrate components seamlessly. The MEI SCR is a two-denomination cash recycler component engineered to reduce costs associated with cash management. When equipped with the bunch-note feeder (BNF) and a larger cash box, the SCR can alternatively be employed as an entry-level deposit device with multi-note escrow capabilities. The SC Advance series of bill acceptors are designed with enhanced bill recognition technology with multiple configurations allowing it to be tailored to many different environments.

      “Our engineers are working together with their ARCA counterparts to certify a wide range of CPI products on the Envoy platform, with the SCR and SC Advance product lines being the first out of the gate,” said Bassam Estaitieh, CPI’s Director of Marketing for Financial Services. “We see the value-add of the Envoy platform and believe it will unlock further market potential. Envoy will be instrumental in enabling cash automation products in the US and abroad.”

      Envoy’s key features include:
      Multi-vendor support – not just one brand, one product.
      Multi-platform – Supports Windows or Linux software development
      API supporting multiple programming languages
      Device testing and integrated diagnostic application

      Envoy is available for purchase immediately and is downloadable from the ARCA Developer Portal ( after registering.


      About ARCA
      Since 1998, ARCA has been helping people find better ways to automate financial transactions in bank branches, retail stores and self-service kiosks. Today, with customers in over 50 countries, ARCA continues to grow by providing technology and services to make transactions simpler, more efficient and more secure. To learn more about ARCA’s innovative culture and commitment to our customers, please visit

      About Crane Payment Innovations
      Crane Payment Innovations (CPI) is built on the technological cpi-logo heritage of such brands as CashCode, Conlux, MEI, Money Controls, NRI and Telequip and holds one of the world’s largest installed base of unattended payment systems. CPI payment systems are recognized for delivering the greatest positive impact on operator profitability and consumer satisfaction in a variety of industries, including the bill payment kiosks. From banknote acceptors and recyclers to a wide range of coin products, CPI devices are mission critical to the operation of self-service machines.

      Prepay Kiosk – Dubai to issue prepaid cards from unmanned kiosk machines in April

      Activation and issuance of DubaiCard will take less than a minute


      Sallie Henry, contracts manager at National Pay, said that there will be 200 kiosks in Dubai in phase one and expansion to other emirates.


      To get a card, she said that a customer needs to have the passport or Emirates ID. The Emirates ID is later checked with the fingerprint.


      The cards a machine dispense are general purpose reloadable cards, travel cards in different currencies, gift cards, a disposable virtual card for online purposes in collaboration with MasterCard and a SIM card for mobile phones

      DMV Kiosk – Ohioans could soon renew license-plate tags at supermarkets, under BMV test program

      Renewing your Ohio vehicle registration might soon be as easy as a trip to your local supermarket.


      The Ohio Bureau of Motor Vehicles is preparing to test self-service kiosks in supermarkets in Cleveland, Cincinnati and Columbus, according to the Ohio Department of Public Safety.

      The machines are part of the agency’s “BMV4U” pilot project set to start in the next six to eight weeks, said DPS Director John Born.

      Kiosk users will just need to swipe their driver’s license and credit card, and the machine will spit out vehicle registration stickers, Born said. The BMV won’t charge any additional fee for using the machines, DPS said, though credit-card charges will apply.

      TIO Networks poised to capture major portion of mobile payment market

      Fiscal 2014 was good to TIO Networks as well and saw the company pump up revenues 25% from the preceding cycle to $50.87 million with gross margins for the year also experiencing a bump to 29.4% from 21% reported a year ago. 


      Keeping up with Hamed Shahbazi at TIO.  2015 looks to be another breakout year for TIO and Bill Pay.

      How To : Bill Jams and Your Kiosk

      Bill jams are commonplace when your kiosk accepts cash payments. No matter how advanced the bill acceptor, there’s always that guy that inserts a bill covered in mud, or something worse, and gums up the device.


      Good pointer on EBDS and the Crane/MEI SC bill acceptors for kiosks.  Bill Jam is a supported error code for sure.  For multiple BAs too I would recommend native COM ports.

      NRF Wrap: Microsoft, NCR new self-service kiosk tech

      NRF Highlights

      Here are the items we saw and read related to NRF 2015.

      ZDNet wrap —

      At the National Retail Federation trade show, tech vendors are displaying a mix of self-service devices designed to drive higher sales and create repeat shoppers.


      NCR, Wincor, Microsoft, CKE Restaurants, Intel, TGI Fridays, Oracle, Dell, Beef-O-Bradys, Hardee’s, Carl Jr, Panasonic are the companies noted.

      Microsoft video on Carl Jr and CKE


      KIOSK Information Systems —  

      LOUISVILLE, Colo.–(BUSINESS WIRE)–KIOSK Information Systems (KIOSK) will feature MoneyGram’s new money transfer and electronic payment kiosk solution at NRF’s 2015 Big Show (Booth #4235). The MGiAlloy™ self-service platform transforms delivery efficiency for MoneyGram’s retail agents and enhances consumer access to alternative financial services. Picture of unit


      Cisco showing ShelfX technology in its booth at NRF
      Cisco showing ShelfX technology in its booth at NRF


      Nice channel view from Edgell covering printers, POS, Elotouch and more.

      There was an animated buzz to the show floor this year. There were more people at every turn, in every aisle, in every booth, at every table, in every section of the Jacob Javits Center – 32,000 attendees to be precise – the largest crowd in the history of the show according to the NRF. That doesn’t surprise me. There were times when I couldn’t get around the hordes of people striding casually in the aisles when I had thirty seconds to get to my next appointment. Weaving in and out of the crowds was challenging, but it also added to the energy of it all.

      I had the opportunity to visit the following booths: Verifone, Elo Touch Solutions, Balance Innovations, Star Micronics, Epson America, Zebra Technologies, Retail Pro, Microsoft, Vantiv, StopLift Checkout Vision Systems, and Seiko Instruments. I looked for channel insights. I asked how they support channel partners. I focused on channel-friendly products and solutions. I feel like I just scratched the surface of the show with my meetings, but I could only get in so much. So, here are the best things I saw and heard during my visits. I hope it proves valuable to you, the solution provider.