For established independent ATM operators
Your ATM portfolio opened the door. Now build beyond it.
Turn the merchant relationships you already have into a stronger payments portfolio—without starting over, damaging trust, or figuring out merchant services alone.
Built by payments operators
ATM + merchant-services experience since 2007
A focused 30-day path
Your ATM Portfolio
3. Payments Portfolio
4. Business Security
One relationship. More ways to create value.
2. Merchant Trust
Cash usage changes. Competition grows. Good locations get harder to find.
The market is changing
Your growth strategy cannot depend on surcharge income alone.
The expensive problem
You built valuable relationships. Someone else is earning the processing revenue.
Most established ATM operators do not have an access problem. You already know the merchants. You already service their locations. You already understand payments.
The gap is a repeatable way to turn that trust into a broader relationship—without sounding like a salesperson or adding operational chaos.
“The problem is not whether you can add merchant services. It is whether you can add it in a way that protects what you already built.”
Four pillars. One stronger portfolio.
The signature method
The Beyond the ATM Method turns expansion into a clear, supported process.
01
02
03
04
Identify the ATM locations, merchant relationships, and account types with the strongest fit for payments expansion.
Portfolio Audit
Offer Alignment
Match the right merchant-services conversation and solution to each business—without forcing a generic pitch.
Relationship Conversion
Use the trust you have already earned to open a natural business conversation, starting with a controlled group of merchants.
Operational Integration
Build a repeatable process for onboarding, installation, training, service, and follow-up that works alongside your ATM route.
OUTCOME 01
Portfolio Growth
+
OUTCOME 02
Business Security
Beyond the ATM Portfolio Expansion Program
The signature offer
A focused 30-day, one-on-one training and implementation experience for established operators ready to add merchant services with structure and support.
Days 1–7
Find the opportunity
Review your route, merchant mix, goals, capacity, and strongest expansion candidates.
Days 8–14
Understand the payments
Learn statements, pricing, equipment, underwriting, compliance, funding, and account fit.
Days 15–21
Present the right solution
Use discovery, prepare outreach, and guide qualified merchants through a needs-based conversation.
Days 22–30
Launch and support
Coordinate onboarding, installation, training, first deposits, follow-up, and portfolio tracking.
This is for you if…
You operate an established ATM portfolio
You have active merchant relationships
Your growth has slowed or become harder
You want revenue beyond surcharge income
You want a supported, repeatable method
Do not approach every merchant.
Start with the right opportunities.
A controlled first move
We help you select a manageable first group, learn what works, and build confidence before you scale. That protects your route, your reputation, and your time.
Program overview — what the 30 days look like in practice
Video coming soon
30
DAY CORE
IMPLEMENTATION PATH
2007
PAYMENTS EXPERIENCE
THAT STARTED IN THE FIELD
Built by an operator, for operators
Strategy grounded in real payments operations.
Beyond the ATM is led by Yonas, founder of Star Financial. Since 2007, he has worked across ATM placement, processing, service, cash management, merchant services, and financial-institution programs.
This is not theory borrowed from outside the industry. It is a practical method built around the realities ATM operators face: route demands, cash exposure, merchant trust, installation, support, and the need to grow without creating another full-time job.
Yonas Marcos
Founder, Star Financial
Frequently asked questions
Clear answers for ATM operators
Your next step
Find the revenue gap
inside your current portfolio.
The Portfolio Expansion Fit Call is a focused conversation about your route, merchant relationships, operating capacity, and whether the Beyond the ATM program fits your next stage.
