InComm collaborates with NCR Atleos for the implementation of Cardless Cash ATMs
In a groundbreaking development, InComm Payments and NCR Atleos have joined forces to enable cardless cash pickup at more than 23,000 ATMs across the United States. This partnership leverages InComm's extensive fintech and banking partner network and NCR Atleos' innovative API solution, ReadyCode, to bridge the digital-to-physical gap in self-service cash payments.
The ReadyCode API, developed by NCR Atleos, allows consumers to generate a secure code via their mobile app or other digital channels. This code can then be used at an NCR Atleos-operated ATM to withdraw cash without the need for a physical card. This partnership aims to address the challenge of accessing physical cash from digital platforms, offering a seamless conversion of digital money movement into cash disbursement at physical ATMs.
With over 23,000 ATMs enabled in more than 40 states, this program offers a large, retail-located ATM network that is accessible and convenient for consumers nationwide. This partnership benefits various stakeholders:
- For consumers, it provides secure, cardless, and convenient access to cash. - For fintech and banking partners, it extends their cash withdrawal services beyond traditional card usage. - For retailers hosting ATMs, it increases foot traffic as consumers visit their locations to pick up cash. - For financial institutions, it enhances operational efficiency by leveraging self-service digital ATM solutions.
John Houseal, VP of product at InComm Payments, highlighted that ReadyCode adds a new channel for money movement partners to serve customers beyond the teller counter. Ben Bregman, SVP at NCR Atleos, emphasized the flexibility for consumers to transact “where and how they want, without the need of a card,” also pointing out the increased ATM utilization for digital-first providers.
Based in Atlanta, Georgia, Atleos operates in the US and was formed in 2023 after the split of NCR Corporation. Atleos, with a market capitalization of $2 billion, helps boost operational efficiency for financial institutions, increase footfall for retailers, and provide consumers with secure and convenient digital-first, self-service financial experiences.
InComm Payments, a publicly traded company on the New York Stock Exchange (ticker NATL), manages over one billion cards a year and has over 525,000 points of retail distribution. It processes over $65 billion in annual transaction volume. InComm has adopted Atleos' ReadyCode API to offer this service to its fintech and banking partners.
InComm was founded in 1992 and operates in more than 40 countries around the world. The company made its platform debut at our platformFall 2011 and has since participated in notable events such as the FinDEVr SiliconValley 2014 developers conference.
This partnership, launched in mid-2025, leverages NCR Atleos’ independent and large ATM network and InComm Payments’ fintech relationships to deliver a modern, secure, and convenient cardless cash pickup experience in the U.S. [1][2][3][4][5]
[1] ReadyCode API enables cardless cash pickup at over 23,000 ATMs across the United States. [2] InComm Payments and NCR Atleos bridge the "digital-to-physical" gap in self-service cash payments. [3] The partnership offers a large, retail-located ATM network that is accessible and convenient for consumers nationwide. [4] The partnership benefits various stakeholders: consumers, fintech and banking partners, retailers, financial institutions. [5] The partnership leverages NCR Atleos’ independent and large ATM network and InComm Payments’ fintech relationships to deliver a modern, secure, and convenient cardless cash pickup experience in the U.S.
- The partnership between InComm Payments and NCR Atleos, rooted in finance and technology, aims to revolutionize self-service cash payments by leveraging digital channels to facilitate cardless cash pickup at over 23,000 ATMs across the United States.
- This strategic business alliance not only caters to consumers by providing a secure and convenient method to access cash, but also benefits retailers, financial institutions, and fintech and banking partners by enhancing operational efficiency, increasing foot traffic, and extending cash withdrawal services beyond traditional card usage, respectively.
