Category Archives: Financial kiosk

Financial Kiosk services have been around for a long time. These are often a billpay kiosk for courts and utility billpay but can also be financial services, cash back, ATMs and many other financial functions.  Selling new financial services using consumer friendly iPad and Android tablet kiosks is another one.

Verizon Bill Pay Kiosk is example

    • Wireless Bill Pay kiosk services- this is the most visible vertical and includes close to 10,000 retail billpay locations when you factor in Verizon, AT&T, Sprint, T-Mobile, and all of the Walmart and Costco’s
    • Variation of Telecom is the Cable Services and bill pay kiosks for providers such as Comcast and Time Warner.
    • Municipal bill pay services –  many cities opt for self-service bill pay for utilities, cable bills, traffic tickets and more.
    • Bank in a Box kiosks are the new generation of Multifunction financial service kiosks.  Historically they began with units like VCOM used by 7-Eleven.
    • Prison and jail kiosks are a variation of financial services.  Micropayment management by companies like JPay provide revenue stream to operator as well as the client.
    • For many years the ATM industry  and companies such as NCR, Wincor Nixdorf, Diebold have attempted to design multifunction ATMs that banks would “buy into”.  Advertising services and incorporating certain billpay functions and wire transfer were tried.  7-Eleven with VCOM is good example. The true purpose built function terminals won out in the end however.

Financial Case Study Links

Financial kiosk – The Value Added Tax refund kiosk

Financial Kiosk News

financial kiosk

A Star2 reader, who is a frequent traveller, shares her experiences on value added tax and the extremely tiring process of claiming it back.


In France, they have an automated kiosk called Pablo. Once Pablo approves your form, you don’t need to go to the customs counter at all; you can just line up and obtain your cash refund or put the form in the box and later get your refund credited into your nominated credit card.

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Biometric Financial Kiosk – New FNB kiosk with fingerprint technology. Here’s how it works 

Biometric Financial Kiosk – New FNB kiosk with fingerprint technologyBiometric Financial Kiosk

The machine can do everything except give out cash.


FNB has launched a new kiosk that allows you to open an account with only your thumbprints as verification.

The bank has formed a partnership with the department of home affairs, and uses government records to verify your identity.

“The machines are directly linked to Home Affairs and because they use fingerprint technology on their side, we are able to quickly verify who you are,” says Lee-Anne van Zyl, CEO of FNB Points of Presence.

The TouchPoint kiosk allows people to open an eWallet Extra account with their thumbprints. Existing FNB customers can also do all their general banking, except withdraw money.

RDM Releases New Single-Feed Network Check Scanners

Check Scanner Ethernet
RDM Check Scanner Ethernet

RDM Corporation (TSX:RC), a leading provider of specialized hardware and software solutions for electronic payment processing, announced that it is now shipping its new EC9600i single feed (SF) network check scanner models. The new EC9600i SF models are an extension of the family of EC9600i auto-feed (AF) network scanners introduced last year.


New networked check scanners make it easy for thin client and other devices to access networked scanner. Checks are up to 20% of transactions?


RDM’s EC9600i series network scanners simplify the check scanning process through RDM’s “one-touch” setup. Unique to the EC9600i scanner family, embedded software and industry standard networking protocol enable users to easily access the scanners securely over a network using their PCs, MACs, mobile devices or payment terminals, regardless of the operating system or browser and without additional hardware. The EC9600i scanners also work seamlessly in Citrix and other thin client environments.

EMV Liability Shift – ‘Vast majority’ of Americans have yet to receive chip cards

EMV Liability Shift

Despite the October 1st liability shift deadline looming, only 10 per cent of Americans have received the new chip-enabled cards, and nearly a third don’t know how to use them.


The survey, conducted by the GfK Public Affairs for Associated Press, found that out of 1004 Americans polled, only one in every ten have received the new cards.

Furthermore, out of those people who have received the cards just one-third (35 per cent) say they actually use them as intended on the new card readers.

Moreover, of the people who have received the chip cards, 70 per cent said they know how to use it, meaning nearly a third of people do not understand.

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.

ATM Kiosk – Personal Teller for Branch Supports Wallet & Mobile

ATM Kiosk embedded NFC device enables customers to conduct
transactions using leading mobile wallet providers like Apple Pay

CHARLOTTE, N.C. & LAS VEGAS – Oct. 13, 2015 – Source Technologies, a leading provider of integrated solutions for managing financial transactions and other secure business processes, announced at the 2015 BAI Retail Delivery Conference enhancements to its 8-Series Personal Teller Machine self-service Screenshot from 2015-10-14 07:24:07 retail banking atm kiosk, which now supports mobile wallet acceptance and tablet-assisted takeover.

Engineered specifically for retail banking transactions, Source Technologies’ Personal Teller Machine resides in the branch and automates 80 – 90 percent of transactions historically handled by tellers. Now, financial institutions’ customers can simply tap their smartphone on the Personal Teller Machine’s near-field communication (NFC) device to conduct a transaction using leading mobile wallets providers such as Apple Pay, Android Pay and Samsung Pay, among others.

In addition to mobile wallet acceptance, the Personal Teller Machine now supports tablet-assisted takeover, which enables a financial institutions’ staff to step in and operate the atm kiosk via tablet if needed. In this model, a financial institutions’ staff can better serve as “universal bankers” who focus on sales and service rather than just conducting routine transactions.

“More and more consumers have embraced self-service kiosks due to the speed, convenience and ‘cool’ factor these kiosks provide over traditional tellers, and our mobile wallet integration takes that modern banking experience just one step further,” said Keith Hamilton, CEO of Source Technologies. “Mobile wallets have quickly become a widely accepted form of payment – both by retailers and consumers – so financial institutions must keep up with consumers’ demands and expectations for mobile wallet acceptance in all aspects of their everyday lives, including banking.”

Hamilton continued, “With our Personal Teller Machine, consumers are empowered to conduct their own transactions, but still have the ability to quickly receive assistance if needed. Moving those common, repetitive transactions away from the teller enables a financial institution’s staff to take on more consultative roles, while saving resources and reducing in-store queues.

To learn more about Source Technologies’ Personal Teller Machine, visit booth #2223 at the 2015 BAI Retail Delivery Conference, or view the following video –

About Source Technologies
Founded in 1986, Charlotte, NC-based Source Technologies is redefining the branch channel by helping banks transform their branches with automation, innovative technology and superior engineering. The company’s print solutions empower businesses to automate the secure printing of sensitive information and negotiable documents, and its ground-breaking transactional and interactive kiosks for self-service and retail applications enhance the self-service experience. Customers include 6 of the Top 10 US banks, 69 of the Fortune 100, and thousands of small and mid-sized companies.  For more information, visit, or follow them on Twitter @source_tech and LinkedIn at

In Kiosk News – SlabbKiosks welcomes Rick Kobal to their sales team

SlabbKiosks Las Vegas, July 11, 2016 – Kiosk News – Rick Kobal has joined the SlabbKiosks’ sales team. The announcement was made today by the  company’s President, Peter te Lintel Hekkert. He indicated the move was necessary as the company continues to expand its customer base and increase production.

“We are very pleased to welcome Rick to our team,” said te Lintel Hekkert. “Having worked within the industry for many years, he brings a wealth of experience and knowledge and is a perfect fit in a formula that has worked for us for years – a lean, highly specialized and responsive staff with over 40 years of combined experience in the self-service industry.”

Rick has worked with one of the largest component suppliers for

Rick Kobal at recent kiosk trade show
Rick Kobal at recent kiosk trade show. Click for full size image.

the industry for the past five years and has acquired an in-depth understanding of the industry’s dynamics including changes in end user requirements that have inevitably propelled hardware development. He’s ideally positioned to meet the needs of SlabbKiosks’ clients in an industry that continues to evolve and will be a welcome addition to the company’s sales team.

“Having worked closely with Peter and his growing team over the last five years, I am excited to join SlabbKiosks,” commented Rick. “Exciting innovations continue in the kiosk industry – innovations that the company is positioned to deliver. We see new sectors adopting kiosks.  Diverse payment options are increasing kiosk functionality. I am eager to now be part of the overall solution design and supply.”

Rick has over 25 years of value selling and program management experience within the automotive, industrial OEM and distribution markets and has a proven record of significant sales growth in his previous managerial positions. He graduated Summa Cum Laude from Grove City College, Pennsylvania and holds a Bachelor of Science degree in Mechanical Engineering.


SlabbKiosks is a leading international manufacturer and distributor of cost-effective, interactive kiosks. The company has installed and customized interactive kiosks for thousands of clients in over 150 countries and distinguishes itself from the competition by offering the latest in technological advancements including the wireless kiosk, while utilizing high-quality components with designs that facilitate quick and efficient maintenance of their units.

Additional information can be found at:

For further press information about this release, please contact:

Kisha Wilson (Marketing Manager)
Tel: 702-605-4845

– END –

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.

Swedish central bank calls halt on moves to a cashless economy

Cashless society

While other central banks ruminate on ways to replace cash with digital currencies, Sweden’s Riksbank is kicking against the grain with calls fo


Signed by Stefan Ingves, the Riksbank Governor, the letter states that the banks have reduced their cash handling services too fast, resulting in a lack of cash services in less populated areas in particular, but for the public in general.

Mike Lee, CEO of the ATMIA, says: “This is a victory for common sense and for the future balance of the Swedish consumer economy and I’d like to congratulate the Swedish Riksbank for seeing through the mirage of anti-cash propaganda in the media to reveal the basic economic right of free citizens to choose their own payment methods at all times, whether cash or digital.”

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.

Diebold Venture With Inspur Provides ATMs & Kiosks To China

NORTH CANTON, Ohio, Dec. 18, 2015 /PRNewswire/ — Diebold Forms New Joint Venture With Inspur, One Of China’s Leading IT Companies, To Provide ATMs And…


NORTH CANTON, OhioDec. 18, 2015 /PRNewswire/ — Diebold, Incorporated (NYSE: DBD) today announced it is forming a new joint venture with a subsidiary of the Inspur Group, a Chinese cloud computing and data center company, to develop, manufacture and distribute financial self-service solutions in China.  Inspur will hold a majority stake of 51 percent in the new joint venture, which will be named Inspur Financial Information Systems, Ltd.  The joint venture will offer a complete range of self-service terminals within the Chinese market, including automated teller machines (ATMs). Also, Diebold will serve as the exclusive distributor outside of China for all products developed by the new joint venture, which will be sold under the Diebold brand. 

In addition, to support Diebold’s services-led approach to the market, Inspur will acquire a minority share of Diebold’s current China joint venture.  Moving forward, this business will be focused on providing a whole suite of services including installation, maintenance, professional and managed services related to ATMs and other automated transaction solutions. 

Inspur Group is an $8 billion Chinese multinational information technology provider headquartered in JinanShandong,China, with more than 70 years in business.  The company specializes in IT hardware and software, and is a leading self-service kiosk manufacturer for major financial institutions in China.  Inspur’s clients and business partners also include LG, IBM, Cisco, Microsoft, VMware and Micron.

“Partnering with Inspur enhances our competitive position and deepens the relationship with our customers in China,” saidAndy W. Mattes, Diebold president and chief executive officer.  “Inspur’s strong reputation as a leading China IT company with a global footprint allows our new joint venture to bring more innovative solutions to China’s financial institutions and strengthens Diebold’s go-to-market strategy in this important market.  We look forward to re-igniting growth in China and are excited to work with Inspur to sell a complete suite of self-service products and related services.” 

“We are very happy to enter into this venture with Diebold, a well-respected global leader in financial self-service solutions, to continue growing our own presence in this market in China,” said SUN Pishu, president and CEO of Inspur Group.  “Inspur is one of the fastest-growing self-service technology providers in China.  Combining both company’s technology, sales expertise and existing presence in China will be of great value, both to our clients and our respective businesses.” 

Upon closing the agreement, Diebold will appoint a chairman of the new joint venture, while Inspur will appoint a chief executive officer for the business to lead day-to-day operations. The agreement is anticipated to be finalized in mid-2016, pending regulatory and other approvals, with plans to begin manufacturing and distribution activity immediately after regulatory approvals. 

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!

Fintech universal banking model: 3 strategic questions

Thanks to Kirk at ARCA and also Innopay with original article


Fintech is unbundling the universal banking model: three strategic questions to answer

In the ‘universal model’ banks typically offer a broad product portfolio in retail, private, commercial, investment and transaction banking, along with wealth and asset management and insurance. This is depicted in the figure below.

Picture1Figure 1: The universal banking model, i.e. a bank’s business model based on offering a full range of financing products and services [1]

In the European ‘fintech’ landscape there is an increasing number of service providers that focus on improving specific parts of this traditional ‘universal banking model’ by using innovative technology. Fintech players focus on designing, building and executing specific parts of the banking value chain better, cheaper and faster than what is currently on offer at banks. With this strategy they are able to establish a market position for themselves in a specific niche.

In essence, fintech companies ‘attack friction’ and leverage innovative technologies (e.g. mobile Apps, APIs, cloud tech, crypto tech, artificial intelligence and data analytics) to address convenience, user experience and functionality (conversion) gaps that result from traditional banking products and services in finance. This technology development enables new companies to apply a ‘narrow finance’ strategy [2] , i.e. assess (a) specific part(s) of the business model and provide a superior alternative. This opportunity is evidenced by an uptake of investments in fintech markets worldwide: $4Bn in 2013 to over $12 Bn invested in 2014 [3]. Currently 36 fintech companies have passed the $1Bn valuation mark.

The wealth of new fintech companies that emerged in the narrow finance space is depicted in the figure below. New fintech initiatives offer a range of solutions resulting in an evolution and improvement of financial tools previously controlled by banks.

Picture2 Figure 2: The ‘breaking banks’ i.e. unbundling of the universal, full service model of banks into ‘bits and pieces’

This would not be a problem to bank giants, however the number of fintech players is so big and their pace of innovation so high it has become like ‘sandblasting’ to banks. One grain of sand does not have much impact, but many of them targeting a specific point at high velocity cuts right through any material.

Due to this brutal force all banking products and services are at risk now, as no bank (or any other service provider for that matter) can be good at everything, everywhere for everyone, especially in comparison to the highly specialized players they are competing with. In every single service segment, in both front- and back-office, there are fintech challengers well positioned to take business away from traditional, incumbent banks. From payments and transactions [4] to investing and trading, from lending to risk assessment, from small business banking services to funding and capital gathering. While competing for business is part of the game for banks, the situation is more serious now with virtually any piece of the value chain under attack resulting in continuously evolving rules of the game. 

To conclude, banking executives are very much aware of the fact that they are being disrupted and that change is inevitable as the traditional structures of banking are changing and margins will be further pressured in the future. However, truly understanding the implications of such disruption is a difficult task, resulting in many strategic questions in need of an answer. 

As innovation experts in the financial services sector we believe three strategic questions that the emerging fintech sector brings forward for incumbents are essential to answer:

  1. What are my ‘must win’ battles, what do I need to ‘defend’ and what am I willing to loose?
  2. How can I leverage fintech for the ‘must wins’ and ‘defends’?
  3. What do I need to change in my operating model to make this work?

Getting your answer to these questions and truly understand the implications, opportunities and threats of the emerging fintech landscape for your organization will be essential to stay ahead.

[1] [Finno], Is er een toekomst voor banken in de waardeketen? (Dutch only), March 2015, available here

[2] Chris Skinner, Will banks be laid low by a killer blow from new competition and regulation? June 2015, available here

[3] CB Insights, The Future of FinTech and Banking: Global Fin Tech Investment Triples In 2014, March 2015, available here

[4] Refer to our previous article in which we elaborate on the impact of PSD2 ‘Access to account’ (XS2A) on innovation in payment and other (data driven) transaction services 

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.

Premier Tax Free Shopping self-service kiosk refund platform

tax refund kiosk

Premier Tax Free Shopping unveils self-service refund platform


The kiosk is connected to all till points in-store, and automatically recalls the purchase information as soon as the receipt is scanned.

Using inbuilt scanners, the tourist can simply scan their passport and sign the form using an inbuilt signature pad. Respecting all local and international regulations, the printed tax-free form is fully compliant, and in some countries, such as France, it is linked to Customs to synchronise with local systems.

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.

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

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.

KIOSK Information Systems MoneyGram Financial Services at 2015 NRF Big Show

KIOSK will feature MoneyGram’s new self-service money transfer and electronic payment kiosk solution at NRF’s 2015 Big Show (booth 4235).


How to Make Your Kiosk Dispense Cash Like a Cashier

The ability to dispense cash from your kiosk can be invaluable for making change and reducing the need for human cashiers.  Traditional bill acceptors only accept cash, but bill recyclers have the ability to both accept and dispense cash like a human cashier


Your customers will appreciate your kiosks giving them change in bills, rather than dispensing a mountain of coins.

Even worse than dispensing coins is being mailed a check for the change.  Yes, I’ve actually seen this done.

So why would you ever use a regular bill acceptor again?

For all of the upsides of dispensing cash from a kiosk, there are a few downsides which you should be aware of:

  • Bill recyclers are bulky and may not fit into your existing kiosk without modifications.  This can often be overcome through the use of an external enclosure.
  • Bill recyclers are expensive, typically a few thousand dollars.  This can be offset by the savings of reducing or eliminating cashier window hours.
  • Bill recyclers are complicated devices that can take months to integrate into your kiosk application. Keep reading to learn how to cut the integration time way down from several months to a few weeks or even days.

I didn’t scare you off?  Great, keep reading to learn more about dispensing cash from your kiosk with a bill recycler.

The 3 Steps for Adding a Bill Recycler to Your KioskStep 1: Selecting the right bill recycler

Crane makes several bill recyclers, our favorite of which is the MEI BNR (video below).

The MEI branded BNR (Bank Note Recycler) links MEI’s industry leading cash accepting technology with a robust four denomination recycling system. The MEI BNR was designed to mimic cash handling capabilities of a human cashier yet provides greater security and cash management benefits.

The BNR’s modular design leave the configuration capabilities wide open making it ideal for applications in self-checkout, retail payment, financial services and transport markets.

When deciding on a bill recycler you also need to take into consideration your kiosk operating system.  If you’re running Android, good luck finding a bill recycler with an SDK for that operating system.

The Windows operating system offers the greatest number of bill recycler options due to the popularity of the OS.

Step 2: Integrating the bill recycler into your kiosk application

You have a couple options when integrating a bill recycler into your kiosk application.

The first option is to use the manufacturers SDK.  This is for experts only due to the complex nature of bill recyclers and long integration times.  For example, MEI said their typical integration time for the MEI BNR is 9 to 18 months.

Using the manufacturers SDK is too time consuming and complicated for most people.

The second and more attractive option is to take advantage of kiosk software which already supports your bill recycler.  KioskSimple offers a very affordable plugin for the MEI BNR which makes it possible to integrate the bill recycler into your kiosk application in anywhere from a few days to a few weeks.

The savings in development costs is MASSIVE when you take advantage of the right kiosk software.

You also need to take into account if your kiosk application is a website or native application.  I’m not aware of any bill recyclers with a JavaScript SDK for website integration.

This is why we developed the KioskSimple MEI BNR Plugin to support JavaScript, making it easy to integrate the bill recycler into your website.  We also support .NET C# for native WPF applications.

Step 3: Quality Assurance Testing

Dispensing bills is risky business because there’s no way to get the cash back if you make a mistake (other than the goodness of your customer’s hearts).

It’s critical that you test the hell out of your kiosk application to ensure that everything is running smoothly, especially when dispensing cash.

Ready, set, integrate!

Ready to get started integrating the MEI BNR with KioskSimple?  Checkout our detailed MEI BNR code examples in .NET WPF C# and JavaScript.

Please don’t hesitate to contact us with any questions.  We offer free phone and email support for developers!

…Or let us do it for you

Want some help integrating the MEI BNR into your kiosk application?

We’re happy to lend a helping hand with the integration, even if you’re not a KioskSimple customer.  Our kiosk consultants are available to come alongside your team and get your bill recycler integrated quickly.

Next week I’ll be releasing an article on the pitfalls of dispensing cash from your kiosk.  Please subscribe to our blog emailing list to receive regular blog updates.

ARCA Launches Automation Software For Self Service Providers & Kiosk

Envoy™ platform simplifies communication between transaction software and devices Mebane, NC (January 6, 2015) — ARCA, a global leader in cash and payment automation technology, announced today the release of its latest software solution, Envoy™ to help accelerate the integration of self-service transaction software with kiosk hardware.


Great stuff from ARCA who has always provided top tier application device support.

Device Roundup – EMV Kiosk Capable Card Reader, Pin Pad

Thanks to Andrew Savala with KioskSimple for this resource article.

EMV Kiosk Capable Card Readers, PIN Pads and Contactless Readers for Self-Service Kiosks

Ingenico kiosk EMV chip and PIN and contactless readerThe following is a list of EMV capable card readers, PIN pads and contactless card readers that are designed specifically for self-service environments like a kiosk.  As we’re beginning research and development on adding EMV capabilities to our US-based kiosk applications it makes sense to take inventory of the available EMV capable devices specifically designed for the self-service kiosk industry and weigh all of our options.  This is why I’m taking the time to assemble this list of EMV capable payment devices which will likely grow as the looming October 2015 EMV liability shift draws nearer.

Kiosk EMV chip and PIN

Ingenico iUP 250 + iUR 250

Ingenico makes the iSelf Series which includes EMV Chip and PIN devices designed specifically for self-service kiosk applications.  Combining iUP 250 & iUR 250 allows EMV Chip & PIN transactions in your kiosks while respecting PCi 3,x certification.

Ingenico iSelf-Series kiosk EMV chip and PIN

VeriFone UX 100 + UX 300

VeriFone makes the UX “Unattended Devices” for kiosks and other unattended environments.  PIN pad features LCD graphic screen that securely displays payment amount and engages customers through targeted messaging.

VeriFone Unattended Devices Kiosk EMV chip and PIN solutions

Kiosk EMV chip and contactless readers

IDTech ViVOpay Vend III

The ViVOpay Vend III contactless NFC, contact EMV, and magnetic stripe all-in-one payment device provides self-service kiosk operators with an integrated device that allows all three types of payment acceptance technologies.

IDTech ViVOpay kiosk EMV chip and contactless readers

MEI CASHFLOW® EasiChoice 4 in 1

With the EasiChoice bezel from MEI your self-service kiosks can accept any payment type the consumer has in their wallet: bills, coupons, magnetic stripe cards, NFC/contactless payments, and contactless EMV cards.�MEI 4-in-1 kiosk EMV chip and contactless readers

Kiosk EMV contactless NFC card readers

Ingenico iUC 180

The Ingenico contactless reader focuses on contactless transaction only, the iiUC 180 is the ideal solution for small transactions, especially in the vending industry.

Ingenico iSelf-Series kiosk EMV contactless NFC card readers

VeriFone QX 700

The VeriFone QX 700 provides rapid transaction speeds for all card types, including public transportation, stored value and other value-added applications.

VeriFone QX 700 EMV contactless reader NFC

IDTech ViVOpay Kiosk II

The ViVOpay Kiosk II is a flexible stand-alone contactless reader comprised of a compact controller module and an RFID antenna module packaged individually giving equipment manufacturers flexibility to integrate contactless payment functionality with their host systems.

IDTech ViVOpay kiosk EMV contactless NFC card readers

Which EMV hardware should I buy for my kiosks so I don’t have to replace it in the next 3 years?

This is a good question that is discussed in the video of the 2014 CPI EMV technology panel below.  The answer boils down to personal preference.  CPI makes the point that just because a card reader is EMV capable doesn’t mean your entire solution will be EMV compliant.  Your entire solution needs to receive end-to-end EMV certification and according to MEI this has not happened in the US using the MEI 4-in-1 at the time this video was recorded.  I’m not here to recommend EMV hardware for your kiosks just to spell out the options, so watch the video for more information and form your own opinions.  We plan to add EMV support to KioskSimplekiosk software for Windows in 2015.

Bitcoin ATM Kiosk Manufacturer TurnKey Kiosks Selected by Robocoin

TurnKey Kiosks LLC announces that it has been selected by Robocoin to manufacture the world’s leading Bitcoin ATM Kiosks. The biometrically enabled kiosks let customers instantly buy, sell or transfer Bitcoins. What started with the world’s first Bitcoin ATM in Vancouver, Canada, Robocoins have now been deployed to 19 countries with 12 unique currencies and growing. From Coffee shops to Casinos, the Robocoin platform started the Bitcoin ATM industry and has remained the market leader. Robocoin CEO Jordan Kelley remarked, “We have selected TurnKey as our Hardware partner because of their knowledge in the kiosk technology space, their flexibility, and their total commitment to our project”. Bitcoin kiosk

The company has established market leadership in the areas of Anti-Money Laundering and Know Your Customer compliance, as well as customer protection and user experience. Apart from being the first Bitcoin ATM in the world, Robocoin has also gained worldwide press for being the first Bitcoin ATM in the U.S., presenting for the U.S. Congress, and integrating software to target global banking and remittance markets. Robocoin has been featured in the Wall Street Journal, TIME, Forbes, The New York Times, NBC, and USA Today among others.

The Robocoin Kiosk comes in three models. 1) Robocoin Classic ($15,000) 2) Robocoin Recycler ($20,000) 3) Robocoin Recycler Max ($35,000), all available at

TurnKey Kiosks, is a custom kiosk manufacturer specializing in biometrically enabled transactional kiosks. Gary Strachan, Director of Operations for TurnKey Kiosks said “Turnkey is very proud and honored to have our kiosk selected by Robocoin. We worked very closely with the Robocoin Team to deliver a kiosk that enabled fast and secure Bitcoin transactions. It was also a challenge to launch with a world wide deployment, but we were happy to do so.” Turnkey continues their close relationship with Robocoin to keep on the forefront of technology required for Bitcoin transactions.

Western Union Launches Self-service Money Transfer Kiosk Service in the UAE

Customers can now remit money on a 24/7 basis with over 580 kiosks conveniently located across the UAE


The company significantly expands its network in the UAE by activating the Western Union money transfer service on more than 580 kiosks – which are strategically placed in shopping malls, supermarkets, residential areas, banks, hospitals, government facilities, gas stations, staff accommodations and other locations across all seven emirates in the country.


The self-service kiosks allow users to process different types of payment-based transactions – such as utility bill payments or Etisalat, Du or Salik top-ups – in addition to Western Union money transfers. Western Union is the only cash to cash remittance service offered on these kiosks, and the customer will enjoy a complete Western Union look and feel on every screen till the Money Transfer Control Number (MTCN) is generated.

Fujitsu Partners with OnCue

Fujitsu, a leading information communication technology (ICT) company, today announced an International Distribution and License Agreement with OnCue Technologies, a developer of in-aisle point-of-information solutions that are designed to enhance the consumer shopping experience.


Fujitsu will resell OnCue Technologies’ InfoCue and Expert OnCue mini kiosk solutions to big-box, grocery, beverage and hardware retailers in the United States.

OnCue Technologies’ cloud-based, customizable mini kiosks benefit retailers by enabling them to deliver expert advice and product information to customers in the aisle without requiring employee training. The responsive touch screen kiosks feature capabilities, including complete SKU data, audio and video multi-media responses to shopper requests, barcode scanning, and shopping list and coupon printing. The solutions empower consumers with immediate information needed to make a purchase decision.

Denver Area’s First Bitcoin ATM Kiosk

>PRWEB.COM Newswire


The company says their kiosk attendants are ready to help throughout the transaction process. That includes clearing up common misconceptions surrounding bitcoin, and explaining security risks; even sending a micro transaction to a new user’s wallet demonstrating the ease and speed of transactions on the bitcoin network. Also, according to Berger, “the opportunity to gain direct feedback from new or potential users will be invaluable to refining our education efforts. We hope to share that insight with other companies in the bitcoin space building user-centric platforms.”