Digital banking 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.