Financial Services & Payment Technology
M3 Technology Solutions provides a full suite of financial service capabilities built into every kiosk platform — from cash access and payment processing to EMV technology and prepaid card issuance. All services are PCI compliant and cloud-connected.
ATM
M3t is a competitive provider of advanced ATM functionality, driving more cash and revenue to your locations with a full suite of hardware and software solutions.
Proven at Scale
M3t’s ATM feature is deployed across thousands of kiosks nationwide, providing reliable cash access that generates significant transaction volume for operators. Our direct network connections deliver low-cost cash access to consumers while maximizing revenue for your business.
Cash Advance
For operators looking to maximize available cash for their customers, Cash Advance allows consumers to access the cash advance limit on most major credit cards including Visa and MasterCard — providing an additional revenue stream beyond standard ATM transactions.
Major Card Support
Works with Visa, MasterCard, and other major credit card brands for broad consumer access.
Revenue Driver
Generates additional transaction revenue beyond standard ATM by tapping into credit card cash advance limits.
PCI Compliant
All transactions processed through M3t’s PCI-compliant infrastructure for maximum data security.
UltraCash®
UltraCash® is a proprietary M3t cash access feature developed in partnership with Fiserv. It allows consumers to create a revolving line of credit accessible on any M3t kiosk where the feature is enabled — offering flexible, on-demand cash access for a 6-day period.
Revolving Credit Line
Consumers establish a short-term line of credit and draw funds all at once or in increments of their choosing.
Cross-Kiosk Access
Once established, the credit line is accessible on any M3t kiosk terminal offering UltraCash® across all locations.
Fiserv Partnership
Built on Fiserv’s trusted financial infrastructure for reliable, secure transaction processing.
Cash to Prepaid Card
M3t’s premier cashless venue solution. Cash-to-card technology allows consumers to load cash onto a digital wallet or branded prepaid card in minutes — enabling a quick, easy, and secure transition to cashless transactions at any venue.
Instant Conversion
Convert cash to a prepaid open loop card in under two minutes through an intuitive self-service experience.
Cashless Venues
Purpose-built for stadiums, arenas, theme parks, and any environment transitioning to cashless operations.
Digital Wallet Support
Load funds to physical prepaid cards or digital wallets for maximum flexibility and consumer convenience.
Processing
M3t provides advanced cash access processing through direct network connections, enabling low-cost fund access for consumers. Full PCI compliance ensures that every transaction meets the highest security standards for data protection.
Direct Network Connection
Connect directly to payment networks for faster transactions and lower processing costs.
PCI Compliant
M3t maintains full PCI compliance so operators can trust that every possible security measure protects cardholder data.
Low-Cost Access
Optimized processing rates allow consumers to access funds at competitive costs, driving higher transaction volumes.
EMV Technology & Cloud Kernel
EMV technology is a core M3t competency. Our Level II & III certified EMV kernel processes chip-based credit card transactions on all types of POS and kiosk terminals — with the flexibility to run on the terminal itself or in the Microsoft Azure cloud.
Cloud-Based EMV Kernel
The first EMVCO and UL certified cloud-based EMV solution in the United States, hosted on Microsoft Azure for rapid deployment.
OS Independent
Cloud architecture eliminates dependency on specific terminal operating systems — connect any unattended kiosk or POS device.
Certified & Proven
Certified with processors including WorldPay, Cardtronics, and Switch Commerce on over 3,000 terminals in the U.S.
Flexible Deployment
Run the kernel in the cloud or directly on the terminal. M3t’s expert team walks you through integration and full certification.
Payments
Cutting-edge payment technology enabling acceptance of all major credit card brands for merchandise purchases and financial transactions. M3t’s payment solutions support both contact (chip insert) and contactless (tap-to-pay, mobile wallet) functionality across all kiosk platforms.
Contact & Contactless
Accept EMV chip cards, contactless tap payments, Apple Pay, Google Pay, and other mobile wallets.
All Major Brands
Process Visa, MasterCard, American Express, Discover, and other major card networks.
Integrate Financial Services Into Your Operation
Contact M3 Technology Solutions to learn how our financial service capabilities can drive revenue at your locations.
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