ATM infrastructure

ATM Transaction Processing

Trionis provides real-time ATM transaction processing infrastructure for acquirers, ATM network operators and financial institutions.

Our platform supports domestic and international withdrawals through a multi-scheme gateway, enabling secure routing, simplified integration and access to global card networks.

ATM transaction processing

Real-time ATM transaction processing

Trionis supports the full lifecycle of ATM withdrawal transactions, in single message, with online reconciliation by financial period (usually daily, or part thereof) including correctly accounted online reversal handling and dispute cycles.

Authorisation routing

Secure routing of ATM transactions to domestic and international issuing institutions via scheme networks and bilateral connections.

Message processing

ISO 8583 transaction handling, protocol conversion and message validation across heterogeneous host environments, including bilateral support.

Daily & monthly reporting

Settlement reporting, reconciliation reports, and monthly traffic and financial reports are all available to help Trionis customers track volume and revenue.

How ATM processing works

Trionis acts as an intermediary processing layer between ATM networks and issuing banks, handling routing, validation and scheme connectivity.

1. ATM initiation

The transaction is initiated at the ATM terminal and forwarded to the acquiring host.

2. Trionis gateway

The transaction is routed through the Trionis Network for validation and routing.

3. Issuer / scheme

The request is forwarded to the issuing bank via the relevant card scheme network.

4. Response

Authorisation response is returned to the ATM in real time.

Multi-scheme connectivity

Trionis enables ATM operators to expand acceptance through a single integration to multiple international card schemes.

This model simplifies certification and operational management while allowing ATM networks to capture international transaction flows, particularly in cross-border and tourism-driven markets.

Trionis card scheme connectivity

Where it is used

ATM network operators

Expand scheme acceptance and simplify routing without maintaining multiple integrations.

Independent ATM deployers

Increase transaction volumes by supporting international cardholders and cross-border usage.

Financial institutions

Extend ATM network reach without building additional switching infrastructure.

Tourism markets

Support access to cash for international visitors while enabling broader payment acceptance.

Connect your ATM network

Trionis provides a single connection to global ATM transaction processing infrastructure.

Contact Trionis