ATM Transactions

By default, debit cards issued using the Treasury Prime platform will have access to withdraw cash from any ATM which operates on the Pulse or Mastercard network (look for the logos). Use of these ATMs will incur a usage fee for the cardholder. We have also partnered with Allpoint to allow free ATM access within the Allpoint network. Enabling access to the Allpoint network is optional and does incur a small usage fee for your business; however, you may pass this on to the cardholder at your discretion.

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ATM cash deposits are not available at this time.

ATM Transactions

An ATM withdrawal will result in the creation of an auth-clear-request Card Event, and–if approved–a debit Transaction on the account.

Approved ATM Withdrawal

If the auth-clear-request is approved (the account has sufficient funds), a debit Transaction will be made on the account.

Declined ATM Withdrawal

If the auth-clear-request is declined, no subsequent transactions are created. Common reasons for a request
to be declined include insufficient funds and surpassing Card Control withdrawal limits (if defined).

Card Event Object with ATM Sub-Object

The below example shows a Card Event containing an atm sub-object. This demonstrates the type of data included in an auth-clear-request callback.

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Note: The network_fee field represents the fee that will be charged to the end user for using this ATM.

{
  "message_type": "auth-clear-request",
  "amount": "20.00",
  "bank_id": "bank_treasuryprime",
  "org_id": "org_1fdy4di87s78",
  "decline_reason": null,
  "updated_at": "2022-06-16T20:57:52Z",
  "currency": "USD",
  "status": "pending",
  "id": "cnm_44jj33abcd1234",
  "card_id": "card_12345abcde123",
  "trace_id": "9eda29541ed2asdf1231e61cabcdef123",
  "network": "mastercard",
  "network_created_at": null,
  "merchant": {
    "name": "Card Transaction Clear Request",
    "mcc": "4000",
    "mid": "0045025839033",
    "address": {
      "city": "LAS VEGAS",
      "state": "NV",
      "postal_code": "88901",
      "country": "USA"
    }
  },
  "processor": "marqeta",
  "networkdata": null,
  "created_at": "2022-06-16T20:57:52Z",
  "atm": {
  "network": "mastercard",
  "network_fee": "3.00"
 },
}