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Micro ATM

Micro ATM API – Cash Withdrawal & Banking API for Fintechs & B2B Platforms

Provide your platform with secure, high‑performance Micro ATM services including cash withdrawal, balance checks, and mini statements without physical ATM infrastructure.

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Micro ATM API
Micro ATM Explained

What is the Micro ATM API?

A Micro ATM API connects your backend with banking networks and payment switch infrastructure. It enables debit‑card or Aadhaar‑based cash withdrawals, balance enquiry, and mini‑statements using POS or micro‑ATM devices.

This API‑first approach brings real‑time banking services to under‑banked regions, retail agents, and business correspondents.

Core Features of RK Fintech’s Micro ATM API

Debit‑Card Cash Withdrawal

Instant cash disbursement via swipe or chip card with PIN authentication.

Balance Enquiry & Mini Statement

Real‑time account status directly from bank core systems.

Aadhaar & Biometric Support

Optional Aadhaar‑based withdrawals using RD‑service devices.

RESTful JSON APIs

Clean endpoints for web, mobile, or backend integration.

Secure Transactions

TLS/SSL encryption, tokenization, and secure session handling.

Scalable Infrastructure

High‑volume ready with sandbox & production environments.

Why Use RK Fintech as Your Micro ATM API Provider?

How Integration Works

Request API access & receive sandbox credentials
Integrate REST endpoints for withdrawal & enquiry
Configure card reader or biometric device
Test transactions in sandbox environment
Go live with production APIs
Monitor MIS, logs, and transaction reports

Supported Use Cases

  • Fintech & Neo‑bank platforms
  • B2B aggregators & MSME providers
  • Mobile banking cash‑out apps
  • Micro‑ATM network operators
  • Retail agent banking networks
  • Full financial service stacks

Technical & Compliance Specifications

API Type RESTful JSON (Sandbox & Production)
Authentication Token‑based / API Key / Secure Sessions
Device Compatibility POS, Micro ATM, Card Reader, RD Biometric
Transaction Types Cash Withdrawal, Balance Enquiry, Mini Statement
Bank Connectivity Switch‑level, sponsor‑bank agnostic
Security TLS/SSL, Tokenization
Compliance RBI / NPCI (as per bank policy)

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Frequently Asked Questions (FAQs)

What is a Micro ATM API?
A Micro ATM API is a backend interface that allows fintech platforms or aggregators to enable card-based cash withdrawals, balance inquiries, and mini-statements using POS or micro-ATM devices, without owning ATM infrastructure.
What services does the Micro ATM API support?
Typical services include debit card cash withdrawals using PIN, balance inquiries, mini-statement retrieval, and optional Aadhaar or biometric-based withdrawals if supported.
Does the API support biometric or Aadhaar flows?
The Micro ATM API is mainly for card-based withdrawals, but Aadhaar-enabled biometric flows can be supported depending on device compatibility and bank partner availability.
What devices are compatible with the Micro ATM API?
Standard micro-ATM or POS devices with card readers or RD-service biometric support, commonly used in agent banking deployments.
How secure is the Micro ATM API?
Security is ensured through encrypted data transfer, token-based authentication, secure card and biometric protocols, and compliance with banking security standards.
Who can integrate the Micro ATM API?
Fintech platforms, banking correspondents, micro-ATM network operators, B2B aggregators, and businesses offering cash-out or agent banking services.
How long does API integration take?
Integration and testing usually take 1–2 weeks, depending on platform readiness and device configuration.
How is settlement handled for transactions?
Settlement and fund disbursement are managed by your banking sponsor or partner. RK Fintech provides the API layer and transaction routing only.
Can this API be combined with other fintech APIs?
Yes, the Micro ATM API can be integrated with payment, payout, bill payment, wallet, or other fintech APIs to build a unified platform.