Overview
Unit cards may be used at ATMs that are part of the Visa, Plus, Interlink, Accel, or Allpoint networks. You can share this with your customers via Unit’s ATM locations API.Contactless ATM withdrawals are not currently supported.
Non-Allpoint ATMs will charge fees at the terminal (fees vary depending on the terminal operator) while Allpoint ATMs are surcharge-free for end-customers.
| Transaction | Allpoint ATMs | Non-Allpoint ATMs |
|---|
| Cash withdrawals | Yes
No fee to end-customer | Yes:
End-customer fees vary by ATM operator |
| Cash Deposits | Yes (only Allpoint+ ATMs)
No fee to end-customer | No |
Non-Allpoint ATMs
Functionality
End-customers can make withdrawals at eligible, U.S.-based ATMs that are part of the Visa, Plus, Interlink, or Accel networks.
Fees
In the US, most ATM operators set their own fees, so the range of fees is wide: ATM withdrawals typically cost end-customers between $2 and $5 on top of the withdrawn amount. The default rule in the market is that ATM fees are paid by the end-customer. It’s also the default behavior at Unit if the ATM doesn't belong to Allpoint.
When an end-customer withdraws funds from a non-Allpoint ATM, only one transaction will be created: an ATM transaction under the end-customer’s account (e.g. -$103.00), including attributes for the withdrawn amount (e.g. -$100.00) and the surcharge (e.g. -$3.00).
Allpoint ATMs
Functionality
Withdrawals: End-customers can make withdrawals at any eligible, US-based Allpoint ATM. AllPoint ATMs have a $400 withdrawal limit at all locations.
Deposits:
- End-customers can make cash deposits at any eligible, US-based Allpoint ATM
- Deposits are limited to $1,000 per transaction, and there are also daily limits (set at your account level)
- Allpoint ATMs do not accept checks, envelopes, or non-US dollars
There are ~1,400 Allpoint+ ATMs in the US in addition to the ~41,000 standard Allpoint ATMs in the US and ~14,000 non-US Allpoint ATM locations in the UK, Mexico, Canada, and Australia.
Fees
A surcharge-free ATM network like Allpoint is only free for the end-customer. Allpoint charges a subscription fee based on the active cards per month, as well as a fee per transaction.
When an end-customer uses an Allpoint ATM, only one transaction will be created: an ATM transaction under the end-customer’s account (e.g. -$100.00). All the fees below will be charged to you as part of your monthly Unit invoice.
| Network Fees | Note |
|---|
| Subscription | We have negotiated an extremely competitive rate typically available only to neo-banks with hundreds of thousands of users
*An active card is one that has been used (anywhere) in the last 60 days |
| Withdrawal transaction | This fee is the industry standard, the numbers are publicly available |
| Deposit transaction | This fee is the industry standard, the numbers are publicly available |
| Non-financial transaction | These actions may include: balance inquiry, mini statement printing, and PIN change |
Customizing Fees
With Unit, you can programmatically respond to ATM use and create custom fees or reimbursem*nts for some or all of your end-customers. You’ll need to make sure that such fees or reimbursem*nts are in line with your Terms and Conditions.
Examples:
- You can respond to fee transactions by reimbursing the same amount (or part of it) to the customer in real time
- You can charge an extra fee for non-Allpoint ATM transaction (as Chime does)
To implement such flows, take the following steps:
- Listen to the transaction.created webhook
- Inspect the payload for an ATM Transaction
- Respond to the ATM transaction by creating a fee (to charge the end-customer) or creating a book payment into the end-customer account (to reimburse the end-customer)
FAQs
The standard atmosphere (symbol: atm) is a unit of pressure defined as 101325 Pa. It is sometimes used as a reference pressure or standard pressure. It is approximately equal to Earth's average atmospheric pressure at sea level.
What does atm stand for in units? ›
Atmosphere (unit) (symbol atm ), a unit of atmospheric pressure.
What is atm measurement? ›
An atmosphere (atm) is a unit of measurement equal to the average air pressure at sea level at a temperature of 15 degrees Celsius (59 degrees Fahrenheit). One atmosphere is 1,013 millibars, or 760 millimeters (29.92 inches) of mercury. Atmospheric pressure drops as altitude increases.
What does 1 atm measure? ›
The standard unit for measuring barometric pressure is called an atmosphere (atm). In relation to the English system of measurement, one atmosphere (atm) equals 29.9213 inches of mercury (inHg). In both millibars (mb) and hectopascal (hPa), the standard pressure at sea level is 1013.25 mb or hPa.
Is 1 atm a SI unit? ›
The unit of pressure in the SI system is the pascal (Pa), defined as a force of one Newton per square meter N/m2. The conversion between atm, Pa, and torr is as follows: 1 atm = 101325 Pa.
What is the atm unit? ›
A standard atmosphere, abbreviated atm, is the unit of pressure equal to the average atmospheric pressure at sea level. Specifically 1 atm = 101,325 pascals, which is the SI unit of pressure.
What is atm short for? ›
ATMS, or automated teller machines, are banking outlets where you can withdraw cash without going into a branch of their bank. Some ATMs only dispense cash, while others allow transactions such as check deposits or balance transfers.
Is atm bigger than PSI? ›
One atmosphere (101.325 kPa or 14.7 psi) is also the pressure caused by the weight of a column of freshwater of approximately 10.3 m (33.8 ft).
What is atm size in inches? ›
The size of ATM cards is 85.60 mm × 53.98 mm (3.370 in × 2.125 in) and rounded corners with a radius of 2.88–3.48 mm, in accordance with ISO/IEC 7810#ID-1, the same size as other payment cards, such as credit, debit and other cards.
What is 5 atm measurement? ›
In a simple definition, 5 ATM refers to the watch's ability to withstand water pressure for up to that number. A watch with 5 atm is equivalent to 50 meters depth or 164 feet underwater.
The lowest sea-level air pressure ever recorded was 870 mb (25.69 in. Hg) measured on October 12, 1979 in the eye of Typhoon Tip as it moved over Guam.
What is the atmospheric pressure of 14.7 PSI? ›
The standard, or near-average, atmospheric pressure at sea level on the Earth is 1013.25 millibars, or about 14.7 pounds per square inch.
What is 10 atm measurement? ›
What is the basic unit of atm? ›
The standard atmosphere (symbol: atm) is a unit of pressure defined as 101325 Pa. It is sometimes used as a reference pressure or standard pressure. It is approximately equal to Earth's average atmospheric pressure at sea level.
What is 1 atm in other units? ›
1 atm = 101,325 Pascals = 760 mm Hg = 760 torr = 14.7 psi. The prefix "kilo" means "1,000", so one kilopascal = 1,000 Pa. Therefore, 101.325 kPa = 1 atm = 760 torr and 100 kPa = 1 bar = 750 torr.
Why use bar instead of atm? ›
Bar – Unit of Pressure
It's about the same as the air pressure at sea level on Earth. One bar equal 100 000 Pa, which is considerably less than the average atmospheric pressure at sea level (1 bar=0.9869 atm). The standard sea level pressure is defined as 1013 mbar, 1.013 bar, or 101.3 (kPa).
What is 1 atm to all units? ›
1 atm = 101,325 Pascals = 760 mm Hg = 760 torr = 14.7 psi. The prefix "kilo" means "1,000", so one kilopascal = 1,000 Pa. Therefore, 101.325 kPa = 1 atm = 760 torr and 100 kPa = 1 bar = 750 torr.
What does atm mean for weight? ›
ATM, GTM and Tare Weight
The maximum weight of a trailer is specified as either its Aggregate Trailer Mass (ATM) or Gross Trailer Mass (GTM). ATM is the combined weight of the trailer and its full load when it is not coupled to a tow vehicle.
Is 1 atm equal to 760 mmhg? ›
Atmospheric pressure is measured by a barometer and barometer's height at normal temperature and pressure at sea level is 76 cm of Hg or 760 mm of mercury, which represents 1 atm.
What is atm in water measurement? ›
Water Rating Definitions
| Water Rating | Definition |
|---|
| 1 ATM | Withstands pressures equivalent to a depth of 10 meters |
| 3 ATM | Withstands pressures equivalent to a depth of 30 meters |
| 5 ATM, Swim | Withstands pressures equivalent to a depth of 50 meters |
| 10 ATM | Withstands pressures equivalent to a depth of 100 meters |
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