The customer
Initiates a PIN-based cash-access transaction at the terminal and receives a receipt for it.
- Sees the cash-access amount and any fee before confirming
- Enters a PIN, exactly as at any ATM
- Gets a receipt for the cash-access transaction
The 10-second transaction flow
One transaction. Three parties. A record at every step.
Remote ATM cash access gives your customer a clear, receipted cash-access option at the point of sale, while your team gets a reconcilable record of every transaction. No card acceptance on your menu, nothing disguised as something it isn't.
No obligation • We’ll confirm state and business eligibility first
Step by step
How Remote ATM cash access works
One transaction, three parties, a record at every step. Scroll to trace it end to end.
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1
Customer requests cash access
At checkout, the customer starts a PIN-based cash-access request on the EllaCash terminal. The action is theirs, and it’s explicit — they see exactly what they’re doing and what it costs.
Request created at the terminal -
2
The Remote ATM flow authorizes and records it
The request routes through the ATM network for authorization. Every transaction gets its own record and its own receipt — the cash-access event is never disguised as anything else.
Record and receipt for every transaction -
3
You complete the cash purchase
Your team finishes the sale in cash and sees the transaction land in reporting in real time, itemized and reconcilable against your drawer at close.
Ledger entry visible in reporting
How this differs from a cashless ATM
The original “cashless ATM” model disguised a purchase as an ATM withdrawal, and industry analysis says that form is no longer compliant. Remote ATM cash access is structured differently: the customer makes a real, receipted cash-access transaction, and the merchant completes a separate cash purchase.
The exact program structure, the parties involved, and their roles are documented and reviewable. Review the compliance model or see the side-by-side comparison.
Transaction terminology shown for illustration. Final language is subject to counsel and partner approval.
Who’s involved
The three parties in every transaction
A flow your counsel can evaluate names its parties and their roles. Here is exactly who does what, and what EllaCash is and is not.
Your dispensary
Completes the retail purchase in cash and reconciles every transaction in reporting.
- Runs the flow at the counter, window, or door
- Completes the sale in cash, on your existing POS lane
- Reconciles the ledger against the drawer at close
EllaCash
Provides the terminals, the transaction flow, the reporting, and Tulsa-based support.
- Configures and installs hardware
- Routes authorization through the ATM network
- Delivers the record, receipt, and reporting
A financial technology company — not a bank.
The customer experience
What the customer sees and receives
Clarity is the point. The customer always knows the amount, the fee, and that a cash-access transaction is happening — separate from the products they’re buying.
- On screenThe cash-access amount and the flat convenience fee, shown before they confirm.
- ActionA PIN entry on the terminal — the same familiar step as any ATM.
- ReceiptA printed receipt for the cash-access transaction, separate from the sales receipt.
- ThenYour team completes the purchase in cash and hands over the product.
Amounts and fees shown are illustrative. Actual fee and disclosures are confirmed for your program during the fit check.
CASH ACCESS RECEIPT
Merchant: Your Dispensary · Tulsa, OK
Transaction IDEC-4471-2209
TypeCash access
Cash amount$60.00
Convenience fee$3.50
Total dispensed$63.50
Retain for your records · Illustrative
Hardware & connectivity
Built for the counter you actually have
Three terminal formats cover retail, drive-through, and delivery. Each runs the same flow and reports to the same ledger.
Countertop terminal
The core deployment. Sits beside your register and runs the flow without changing your POS lane.
- Placement
- Counter
- Connectivity
- Wi-Fi & optional 4G
- Receipt
- Printed
Handheld terminal
Handheld 4G terminal for speed at the window — the transaction finishes before the car does.
- Placement
- Window
- Connectivity
- Wi-Fi & optional 4G
- Receipt
- Printed
Handheld unit
A portable terminal for delivery teams — offered only where the program is contractually and legally supported.
- Placement
- Handheld
- Connectivity
- Cellular
- Eligibility
- Varies by state
- Receipt
- Printed
A standard internet connection is all that’s required at the counter. Specific hardware for your locations is confirmed during the site review. See deployment scenarios.
Money movement
Cash, settlement, refunds, and disputes
Every one of these is a defined program procedure with a named owner and a timeline — documented during onboarding and reviewable before you sign.
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Cash handling
The customer’s cash-access transaction and your retail purchase are distinct events. Your team completes the purchase in cash from the drawer, and each cash-access transaction posts to reporting so the drawer reconciles at close.
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Settlement
Convenience-fee settlement follows a defined schedule confirmed for your account. You see settlement activity in the same reporting view as your transaction ledger.
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Refunds & adjustments
Refunds and adjustments follow a documented procedure with defined roles, so exceptions are handled consistently rather than case by case at the counter.
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Disputes & exceptions
Disputes route through a named escalation path with a timeline, not a generic call center. Exception handling and monitoring are part of the program’s ongoing oversight.
Procedure summaries shown for orientation; the governing documents are provided for your review during onboarding.
The distinction that matters
Cashless ATM vs. Remote ATM cash access
The two names get used interchangeably. They should not be — the difference is exactly what your counsel and your bank will ask about.
Dimension
Legacy “cashless ATM”
Remote ATM cash access
What the transaction is
A purchase processed as if it were an ATM withdrawal
A real, receipted cash-access transaction, separate from the purchase
The record
The network sees a cash disbursement that didn’t happen
Each event has its own record and receipt; nothing is disguised
Compliance standing
Widely described as no longer compliant; merchants shut down
Structured to be documented and reviewable end to end
What the customer gets
Product, but a receipt that misstates what occurred
A receipt that accurately reflects the cash-access transaction
Educational comparison, not legal advice. Final program terminology is subject to counsel and partner approval. Read the deeper explainer: Cashless ATM or Remote ATM?
Mechanics, answered
The questions buyers ask about how the flow actually runs. Every answer carries a review date, because the rules in this category change.
See all buyer questionsWhat does the customer actually do?
They start a PIN-based cash-access request at the terminal, see the amount and fee, confirm, and receive a receipt — the same familiar steps as any ATM. Your team then completes the purchase in cash.
Reviewed July 2026Does this change my POS or checkout lane?
No. The EllaCash flow runs alongside your existing POS rather than replacing it. Workflow fit for your counter, window, or delivery setup is covered in the site review.
Reviewed July 2026What equipment and connectivity are required?
A countertop terminal with Wi-Fi (optional 4G) at the counter, and a handheld 4G terminal at the drive-through window. Delivery uses handheld units on cellular where the program is supported.
Reviewed July 2026How are refunds, exceptions, and disputes handled?
Each is a defined program procedure with a named owner and timeline, documented during onboarding and reviewable before you sign. Disputes route through a named escalation path.
Reviewed July 2026How is this different from a cashless ATM?
Remote ATM keeps the cash-access transaction and the purchase distinct, each with its own record. The legacy cashless-ATM model disguised purchases as withdrawals and is widely described as no longer compliant. See the comparison and Compliance & Trust.
Reviewed July 2026See the flow with your own numbers.
In 10 minutes, we’ll confirm eligibility, walk through the transaction flow, and outline setup and economics for your locations.
You’ll meet with a product specialist — not a generic call center.
