White and brown label ATM

White Label ATM



White Label ATMs are purely managed by third party service providers and have their label. These are branded non

bank ATM machines. Cash handling, management and logistics are provided by third party. Debit cards of all banks can be

operated through these machines. The role of the concerned bank is only limited to provide account information and back

end money transfers to the third parties managing these ATM machines. This initiative will enable the excluded segments

to avail ATM services as at present majority ATMs are confined to Urban/Metro areas only.

However, service provider levy charges which are to be either bear by the Bank or the customer. RBI has allowed

white label ATM's in India to have more penetration of ATM machines. Tata Communications Payment Solutions has

become the first company to launch this service in India under the brand name "Indicash". It has a tie up with

majority commercial banks and now you will soon see branded non bank third party white label ATM machines in

your vicinity.







 Brown Label ATM — We always think that the bank branded ATM machines operated by the bank concerned,

but this is not the case. Banks only handle part of the process that is cash handling and back-end server

connectivity. The ATM machine is owned by the third party service provider along with the physical

infrastructure. This type ATM is called as "Brown Label ATM" and acts as intermediate between Banks owned

ATM and White Label ATM.


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