ATM Switch

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ATM Switch

A high-availability ATM driving and transaction switching platform built for financial institutions managing large ATM estates. Supports all major ATM protocols, multi-scheme connectivity, and advanced services including cardless cash, dynamic currency conversion, and real-time monitoring.

Architecture Overview

ATM Switch Network Architecture

Click to expand. The diagram shows the ATM network topology — terminal connections, the central switch engine, scheme interfaces, and monitoring infrastructure.

ATM SwitchHigh-availability ATM driving & transaction switching — 99.999% SLAATM Switch EngineISO 8583 · NDC · XFSATM NetworkATM 1Branch ATMATM 2Off-site ATMATM 3Drive-throughATM 4Airport kioskCard SchemesVisa / PlusGlobal networkMastercardCirrus / MaestroUnionPayCUP networkDomesticEFTPOS / PromPayCash DispensingBalance EnquiryPIN ChangeCardless CashFX ConversionMini Statement99.999%Availability SLAActive-ActiveClustering< 200msResponse timeHSMPIN security
Expand diagram

Platform Capabilities

What the Platform Delivers

ATM driving via NDC, XFS, and ISO 8583
Multi-scheme connectivity (Visa, Mastercard, UnionPay, domestic)
99.999% availability with active-active clustering
Cash dispensing and deposit acceptance
Balance enquiry and mini-statement
PIN change and PIN unblock
Cardless cash via mobile OTP
Dynamic currency conversion (DCC)
Real-time ATM monitoring and alerting
Terminal management system (TMS)
HSM key management and injection
Fraud detection and velocity controls

Key Features

Built for APAC Requirements

Carrier-Grade Availability

Active-active clustering with geographic redundancy delivers 99.999% uptime — critical for ATM networks where downtime directly impacts customer access to cash.

Universal Protocol Support

Connect ATMs from all major manufacturers — Diebold Nixdorf, NCR, Nautilus Hyosung, and GRG — via NDC, XFS, and ISO 8583 without hardware replacement.

Advanced ATM Services

Deploy cardless cash, QR-based withdrawals, cheque deposit, and foreign currency dispensing — differentiating your ATM network beyond basic cash access.

Real-Time Monitoring

Monitor every ATM in the network in real time — cash levels, hardware status, transaction volumes, and fraud alerts — via a centralised operations dashboard.

Typical Use Cases

Who Uses This Platform

  • Banks managing large ATM estates across APAC markets
  • Independent ATM deployers (IADs) building shared networks
  • National switches integrating domestic ATM networks
  • Banks migrating from legacy ATM driving platforms
  • Financial institutions adding advanced ATM services to existing networks

Get Started

Ready to Implement?

Proximo's specialists will scope the implementation, manage the vendor relationship, and deliver a production-ready system — configured for your APAC market.

Discuss Your ATM Network