ATMIA & Kahuna Release Future of ATM Interchange White Paper

BLOOMINGTON, IL & SIOUX FALLS, SD — Independent ATM deployers (IADs) throughout the United States have seen ATM-transaction revenue steadily decline over the last 10 years. Market saturation, increasing competition with surcharge-free ATM networks, cash-back debit options and increasing operational expenses resulting from more stringent regulatory and security mandates have all taken their toll.

But perhaps the biggest threat to the infrastructure of retail, off-premise ATMs in the U.S. has been fluctuating interchange fees – fluctuations that have not worked in the IAD’s favor.

To help address IAD concerns about interchange, ATMIA and Kahuna have produced a new white paper, The Future of ATM Interchange, which explores options to prevent further reductions of interchange in the U.S. ATMIA and Kahuna’s recent survey found that reduction in interchange was the number one concern of U.S.-based IADs.

Reductions in interchange implemented over time by the card networks to appease merchants, have hurt ATM operators. “The balance between supporting the needs of the issuer and the needs of the acquirer have to be resolved in order to protect independent deployers,” says David Tente, ATMIA U.S. executive director.

Available for download from the ATMIA and Kahuna websites, the comprehensive white paper offers perspective about interchange’s history, its evolution, tactics independent deployers can use to increase revenue under the current network rules, lessons from international markets, and what ATMIA and other groups that represent IAD interests are doing to stop interchange erosion.

“I believe IADs will find the white paper very informative,” says Bryan Bauer, president of Kahuna. “The better we understand the issues that impact interchange, the better prepared we will be to protect our businesses and work together to eliminate further decline in our revenue.”

To download the white paper, click here.

The ATM Industry Association is a global non-profit trade association with over 3,700 members in 60 countries. The mission of ATMIA is to promote ATM convenience, growth and usage worldwide, to protect the ATM industry’s assets, interests, good name and public trust; and to provide education, best practices, political voice and networking opportunities for member organizations.   Visit to learn more about the Association.

Kahuna ATM Solutions is the ATM industry’s ONLY business development service company dedicated to the success and profit maximization of independent ATM deployers and ATM operators. Originally founded in 1995, Kahuna ATM Solutions has been considered a trusted industry leader for over a decade. Currently, the Kahuna affiliate network contracts for the processing and management of more than 20,000 ATMs across the United States; accounting for over 60 million transactions annually. Visit or call 1-888-357-8472 to learn more.

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