Banking Service

Micro-ATM (M-ATM)

A portable mini-ATM that turns any debit card into instant cash. Customers swipe their card, enter PIN, and withdraw cash at your shop — just like a regular ATM, only closer.

Any Card

RuPay, Visa, Master

All Banks

Pan-India Coverage

Portable

Carry Anywhere

Become an Agent How It Works

M-ATM Cash Withdrawal Demo — Sarthi Agent

RuPay

•••• •••• •••• 7821

Card Holder VALID THRU

Bank HDFC Bank

Service Cash Withdrawal

Auth PIN Verified

Amount ₹ 5,000

Status Approved

Agent Commission + ₹ 18.00

What Is M-ATM

An ATM in Your Pocket

A small, portable card-swipe device that does everything a regular ATM does — right at your retail counter.

Micro-ATM (M-ATM) is a compact, battery-powered banking terminal certified by the National Payments Corporation of India (NPCI). It connects to your smartphone over Bluetooth or USB, and accepts any RuPay, Visa or MasterCard debit card — allowing customers to withdraw cash, check balance and view mini statements just like at a bank ATM.

While AEPS uses Aadhaar + fingerprint, M-ATM uses the traditional card + PIN method that most urban and salaried customers are already familiar with. This makes it the perfect complement to AEPS — together, they let your shop serve every kind of customer who walks in needing cash.

The device is portable enough to carry in a pocket, so an active agent can even take it to housing societies, weekly markets, fairs, or village haats — building a mobile cash-dispensing business on top of their regular shop income.

AEPSAadhaar Based

Customer needs Aadhaar + fingerprint
Aadhaar must be linked to bank account
Best for rural / unbanked customers
Requires biometric scanner

M-ATMCard Based

Customer uses any debit card + PIN
No Aadhaar linking needed
Works for everyone, especially urban
Requires a portable M-ATM device

Services Offered

Everything an ATM Does — From Your Counter

Each M-ATM transaction earns commission for you and saves a long ATM trip for your customer.

Cash Withdrawal

Customers swipe their debit card and enter their PIN to withdraw cash from their account. The agent dispenses cash; commission credited instantly.

Balance Enquiry

Quick balance check on any card-linked savings or current account — useful before a withdrawal or transfer.

Mini Statement

Customers can view or print their last few transactions to verify salary, pension or DBT credits without visiting a branch.

Card-Based Fund Transfer

On select devices, customers can transfer funds from their card to another account within seconds.

How It Works

Cash in 5 Simple Steps

Plug in the device, swipe the card, hand over the cash — the entire process takes under a minute.

Connect Device

Pair the M-ATM with your phone via Bluetooth or USB and open the Sarthi agent app.

Swipe / Insert Card

Customer swipes or inserts their RuPay, Visa or MasterCard debit card.

Choose Service

Select withdrawal, balance enquiry or mini statement, then enter the amount if needed.

Customer Enters PIN

Customer enters their 4-digit ATM PIN on the device. Authentication happens in seconds.

Cash & Receipt

Approval comes back instantly. Hand over cash, share the receipt, earn commission.

Why M-ATM

Serve Every Customer Who Walks In

M-ATM works for the customers AEPS doesn’t reach — salaried employees, students, urban shoppers and tourists who carry a debit card.

Works with any debit card — no Aadhaar linking required
Higher per-transaction limits than AEPS in many cases
Portable — serve customers at home, market or events
Battery-powered — works during power cuts
Pairs with AEPS — together you cover 100% of walk-ins
Recurring footfall — cash is a daily, weekly need

Earning Potential

Earn ₹8–₹20 Per Transaction

An active agent doing both AEPS and M-ATM together easily processes 50–80 cash transactions a day, especially during salary week.

₹10K

Max Per Tx

Instant

Commission

T+1

Cash Settle

No Cap

Daily Volume

RuPay Visa MasterCard Maestro

Get Started

What You Need to Become an M-ATM Agent

The only extra thing — a portable Micro-ATM device, which Sarthi can help you procure.

PAN Card

For tax compliance and KYC verification of the agent.

Aadhaar Card

For agent identity proof — e-KYC done digitally in minutes.

Shop Proof

GST, Udyam, Gumasta or any registered shop document.

Bank Account

A current or savings account for daily commission settlement (T+1).

Smartphone

Any Android phone with Bluetooth — pairs with the M-ATM device.

Micro-ATM Device

An NPCI-certified portable terminal. One-time purchase, lifetime use.

Compatible Devices iServeU M-ATM Mosambee BPC M-ATM Bharat Pay M-ATM

FAQs

Frequently Asked Questions

Everything you need to know about offering Micro-ATM service at your shop.

What’s the difference between M-ATM and AEPS?

AEPS uses Aadhaar number + fingerprint biometric and works only when the customer’s Aadhaar is linked to their bank. M-ATM uses a debit card + PIN, just like a regular ATM, and works for any cardholder. Most successful Sarthi agents offer both — AEPS for rural / unbanked customers, M-ATM for urban / salaried customers.

What is the maximum withdrawal limit?

Per-transaction and daily withdrawal limits are governed by the customer’s card-issuing bank — typically up to ₹10,000 per transaction. Daily totals depend on the customer’s ATM withdrawal limit set by their bank.

Which cards does the M-ATM accept?

All major Indian and international debit card networks — RuPay, Visa, MasterCard and Maestro. The device accepts both magnetic-stripe and EMV chip cards.

How does cash settlement work?

For each successful M-ATM transaction, the customer’s account is debited and the equivalent amount is settled to your Sarthi-linked bank account on a T+1 basis (next working day). Your commission is credited to the agent wallet instantly.

Do I need an internet connection?

Yes — the M-ATM connects to your smartphone, which uses 4G / Wi-Fi to authorize transactions through the partner bank. Even slow 2G / 3G networks work for most devices.

What if a transaction fails after card swipe?

If the customer’s card is debited but cash isn’t dispensed, the amount is automatically reversed by the partner bank, typically within 1 to 7 working days. You can also raise a complaint from your dashboard for faster resolution.

How much does the M-ATM device cost?

Device prices vary by brand and feature, but a basic NPCI-certified Micro-ATM typically costs between ₹2,500 and ₹5,500 as a one-time purchase. Sarthi can help you procure a verified device during onboarding at the best price.

Micro-ATM (M-ATM)