--- title: ATM BIN Sponsorship | Become an IAD | Cashflows description: Bypass the time-consuming & costly process of gaining card-scheme membership to become an independent ATM business (IAD) with BIN Sponsorship from Cashflows. --- [![blue_logo](https://www.cashflows.com/hs-fs/hubfs/Blog%20images/Blog%20Images%202021/blue_logo.png?width=143&height=26&name=blue_logo.png) ](https://www.cashflows.com) - Products - [ Payment Processing ](https://www.cashflows.com/solutions/payment-processing) ![payment-processing-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/payment-processing-icon.svg) #### [Payment Processing](https://www.cashflows.com/solutions/payment-processing) Fast, secure, easy - card processing to support your business #### [Anytime Settlement Get access to your funds within hours](https://www.cashflows.com/solutions/anytime-settlement) #### [Account Updater Automatically update lost or stolen card details](https://www.cashflows.com/solutions/account-updater) #### [Direct Send Pay out to card in minutes](https://www.cashflows.com/solutions/instant-payout) #### [3D Secure V2.2 Get ready for two-factor authentication](https://www.cashflows.com/solutions/3d-secure) #### [Network Tokens Revolutionizing digital transactions](https://www.cashflows.com/solutions/network-tokens) - [ In-Person Payments ](https://www.cashflows.com/solutions/point-of-sale) ![payments-in-person-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/payments-in-person-icon.svg) #### [In-Person Payments](https://www.cashflows.com/solutions/point-of-sale) All you need for taking card payments in person #### [SUNMI P3 Seamless, secure and speedy payments](https://www.cashflows.com/solutions/sunmi-p3) #### [SUNMI P2 SE Smart POS with the power of Android](https://www.cashflows.com/solutions/sunmi-p2-se) #### [SUNMI P3 Mix All-in-one POS solution for business](https://www.cashflows.com/solutions/sunmi-p3-mix) #### [Countertop card machine Castles Vega Countertop specifications](https://www.cashflows.com/countertop-card-machine) #### [Mobile card machine Castles Vega 3000 Mobile specifications](https://www.cashflows.com/mobile-card-payment-machine) #### [Smart POS card machine Castles Saturn 1000 F2 specifications](https://www.cashflows.com/smart-pos-card-machine) #### [Compare Card Machines Compare our latest card machines](https://www.cashflows.com/compare-card-machines) - [ Payment Gateway ](https://www.cashflows.com/solutions/online-payments) ![online-payments-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/online-payments-icon.svg) #### [Payment Gateway](https://www.cashflows.com/solutions/online-payments) Start taking payments online today #### [Hosted Checkout Easy, secure and compliant payments for your website](https://www.cashflows.com/solutions/hosted-checkout) #### [Virtual Terminal Phone payments made easy for your team](https://www.cashflows.com/solutions/virtual-terminal) #### [Pay by Link Take card payment on invoices and emails](https://www.cashflows.com/solutions/pay-by-link) #### [Cashflows Portal Access to your data and payment tools in real-time](https://www.cashflows.com/solutions/cashflows-portal) #### [Click to Pay The revolutionary digital wallet](https://www.cashflows.com/solutions/click-to-pay) - [ Fast Onboarding ](https://www.cashflows.com/solutions/fast-onboarding) ![CF NAV - Faster Customer Onboarding 2024](https://www.cashflows.com/hubfs/Icons/CF%20NAV%20-%20Faster%20Customer%20Onboarding%202024.svg) #### [Fast Onboarding](https://www.cashflows.com/solutions/fast-onboarding) A game-changing tool that puts you in control of your customer applications - [ Omnichannel ](https://www.cashflows.com/solutions/omnichannel) ![omnichannel-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/omnichannel-icon.svg) #### [Omnichannel](https://www.cashflows.com/solutions/omnichannel) Take payments wherever your customers shop - [ Cashflows Advance ](https://www.cashflows.com/solutions/cashflows_advance) ![Cashflows Advance](https://www.cashflows.com/hubfs/Cashflows%20Advance.svg) #### [Cashflows Advance](https://www.cashflows.com/solutions/cashflows_advance) Alternative business financing - [ Solutions for sectors ](https://www.cashflows.com/solutions/solutions-for-sectors) ![CF NAV - Solutions for Sectors 2024](https://www.cashflows.com/hubfs/Icons/CF%20NAV%20-%20Solutions%20for%20Sectors%202024.svg) #### [Solutions for sectors](https://www.cashflows.com/solutions/solutions-for-sectors) Your industry supported with card payments #### [Retailer payment systems Retail payment solutions to support your business.](https://www.cashflows.com/solutions/retail) #### [Insurance payment processing Seamless payment processing for Insurance, Brokers and MGA's.](https://www.cashflows.com/solutions/insurance) #### [Financial services payment solutions From recurring billing, to payout, we’re ready to support you.](https://www.cashflows.com/solutions/financial-services) #### [Veterinary payment systems Payments you can trust to help your business grow.](https://www.cashflows.com/solutions/vets) #### [Dental payment systems Seamless and secure systems for dental payments.](https://www.cashflows.com/dental-payment-systems-cashflows) - [Partner with us ](https://www.cashflows.com/solutions/partnership-opportunities) - [Shift ](https://www.cashflows.com/shift) - About - Resources - Support - [Developers ](https://developer.cashflows.com/) [ Login ](https://www.cashflows.com/login) [ Contact sales ](https://www.cashflows.com/contact) **** - Products - [![payment-processing-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/payment-processing-icon.svg) #### Payment Processing Fast, secure, easy - card processing to support your business ](https://www.cashflows.com/solutions/atm#Payment-Processing) - [![payments-in-person-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/payments-in-person-icon.svg) #### In-Person Payments All you need for taking card payments in person ](https://www.cashflows.com/solutions/atm#In-Person-Payments) - [![online-payments-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/online-payments-icon.svg) #### Payment Gateway Start taking payments online today ](https://www.cashflows.com/solutions/atm#Payment-Gateway) - [![CF NAV - Faster Customer Onboarding 2024](https://www.cashflows.com/hubfs/Icons/CF%20NAV%20-%20Faster%20Customer%20Onboarding%202024.svg) #### Fast Onboarding A game-changing tool that puts you in control of your customer applications ](https://www.cashflows.com/solutions/fast-onboarding) - [![omnichannel-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/omnichannel-icon.svg) #### Omnichannel Take payments wherever your customers shop ](https://www.cashflows.com/solutions/atm#Omnichannel) - [![Cashflows Advance](https://www.cashflows.com/hubfs/Cashflows%20Advance.svg) #### Cashflows Advance Alternative business financing ](https://www.cashflows.com/solutions/cashflows_advance) - [![CF NAV - Solutions for Sectors 2024](https://www.cashflows.com/hubfs/Icons/CF%20NAV%20-%20Solutions%20for%20Sectors%202024.svg) #### Solutions for sectors Your industry supported with card payments ](https://www.cashflows.com/solutions/atm#Solutions-for-sectors) - Partner with us - Shift - About - Resources - Support - [Developers ](https://developer.cashflows.com/) [ Login ](https://www.cashflows.com/login) [ Contact sales ](https://www.cashflows.com/contact) Back [![payment-processing-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/payment-processing-icon.svg) #### Payment Processing Fast, secure, easy - card processing to support your business ](https://www.cashflows.com/solutions/payment-processing) ##### Features #### [Anytime Settlement Get access to your funds within hours](https://www.cashflows.com/solutions/anytime-settlement) #### [Account Updater Automatically update lost or stolen card details](https://www.cashflows.com/solutions/account-updater) #### [Direct Send Pay out to card in minutes](https://www.cashflows.com/solutions/instant-payout) #### [3D Secure V2.2 Get ready for two-factor authentication](https://www.cashflows.com/solutions/3d-secure) #### [Network Tokens Revolutionizing digital transactions](https://www.cashflows.com/solutions/network-tokens) Back [![payments-in-person-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/payments-in-person-icon.svg) #### In-Person Payments All you need for taking card payments in person ](https://www.cashflows.com/solutions/point-of-sale) ##### Features #### [SUNMI P3 Seamless, secure and speedy payments](https://www.cashflows.com/solutions/sunmi-p3) #### [SUNMI P2 SE Smart POS with the power of Android](https://www.cashflows.com/solutions/sunmi-p2-se) #### [SUNMI P3 Mix All-in-one POS solution for business](https://www.cashflows.com/solutions/sunmi-p3-mix) #### [Countertop card machine Castles Vega Countertop specifications](https://www.cashflows.com/countertop-card-machine) #### [Mobile card machine Castles Vega 3000 Mobile specifications](https://www.cashflows.com/mobile-card-payment-machine) #### [Smart POS card machine Castles Saturn 1000 F2 specifications](https://www.cashflows.com/smart-pos-card-machine) #### [Compare Card Machines Compare our latest card machines](https://www.cashflows.com/compare-card-machines) Back [![online-payments-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/online-payments-icon.svg) #### Payment Gateway Start taking payments online today ](https://www.cashflows.com/solutions/online-payments) ##### Features #### [Hosted Checkout Easy, secure and compliant payments for your website](https://www.cashflows.com/solutions/hosted-checkout) #### [Virtual Terminal Phone payments made easy for your team](https://www.cashflows.com/solutions/virtual-terminal) #### [Pay by Link Take card payment on invoices and emails](https://www.cashflows.com/solutions/pay-by-link) #### [Cashflows Portal Access to your data and payment tools in real-time](https://www.cashflows.com/solutions/cashflows-portal) #### [Click to Pay The revolutionary digital wallet](https://www.cashflows.com/solutions/click-to-pay) Back [![CF NAV - Faster Customer Onboarding 2024](https://www.cashflows.com/hubfs/Icons/CF%20NAV%20-%20Faster%20Customer%20Onboarding%202024.svg) #### Fast Onboarding A game-changing tool that puts you in control of your customer applications ](https://www.cashflows.com/solutions/fast-onboarding) Back [![omnichannel-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/omnichannel-icon.svg) #### Omnichannel Take payments wherever your customers shop ](https://www.cashflows.com/solutions/omnichannel) ##### Features Back [![Cashflows Advance](https://www.cashflows.com/hubfs/Cashflows%20Advance.svg) #### Cashflows Advance Alternative business financing ](https://www.cashflows.com/solutions/cashflows_advance) Back [![CF NAV - Solutions for Sectors 2024](https://www.cashflows.com/hubfs/Icons/CF%20NAV%20-%20Solutions%20for%20Sectors%202024.svg) #### Solutions for sectors Your industry supported with card payments ](https://www.cashflows.com/solutions/solutions-for-sectors) ##### Features #### [Retailer payment systems Retail payment solutions to support your business.](https://www.cashflows.com/solutions/retail) #### [Insurance payment processing Seamless payment processing for Insurance, Brokers and MGA's.](https://www.cashflows.com/solutions/insurance) #### [Financial services payment solutions From recurring billing, to payout, we’re ready to support you.](https://www.cashflows.com/solutions/financial-services) #### [Veterinary payment systems Payments you can trust to help your business grow.](https://www.cashflows.com/solutions/vets) #### [Dental payment systems Seamless and secure systems for dental payments.](https://www.cashflows.com/dental-payment-systems-cashflows) ## Transform your 
ATM estate with Cashflows Reduced costs, new revenue streams, operational efficiency - whatever the outcome you’re looking for, Cashflows always delivers. [ Join us ](https://www.cashflows.com/contact/atm) [Trustpilot](https://uk.trustpilot.com/review/www.three.co.uk) ![CF ATM - Hero](https://www.cashflows.com/hubfs/CF%20ATM%20-%20Hero.png) ## Card schemes we support ![Visa](https://www.cashflows.com/hs-fs/hubfs/Cashflows_February2021/Images/Visa.png?width=120&height=94&name=Visa.png) ![mc_symbol_opt_53_2x](https://www.cashflows.com/hs-fs/hubfs/mc_symbol_opt_53_2x.png?width=125&height=89&name=mc_symbol_opt_53_2x.png) ![Acceptance_Mark_Lockup_DCI_Primary_Horizontal-1](https://www.cashflows.com/hs-fs/hubfs/Acceptance_Mark_Lockup_DCI_Primary_Horizontal-1.jpg?width=259&height=80&name=Acceptance_Mark_Lockup_DCI_Primary_Horizontal-1.jpg) ![UnionPay](https://www.cashflows.com/hs-fs/hubfs/Cashflows_February2021/Images/UnionPay.png?width=120&height=95&name=UnionPay.png) ![JCB](https://www.cashflows.com/hs-fs/hubfs/Cashflows_February2021/Images/JCB.png?width=120&height=111&name=JCB.png) ![CF ATM - Partner](https://www.cashflows.com/hs-fs/hubfs/CF%20ATM%20-%20Partner.png?width=604&height=374&name=CF%20ATM%20-%20Partner.png) ### Your partner for ATM Through close collaboration and a deep understanding of your needs, we’ll put our expertise and resources to work for you, with results that will transform your ATM business. We boast more than 50 years of combined team experience in ATMs and have been experts in (BIN) Card scheme sponsorship since 2011, having worked with major banks and independent ATM deployers alike. ## Integrations are simple with our experienced team and pre-built connections to all major processors: ![mc_vocalink_rgb_pos](https://www.cashflows.com/hs-fs/hubfs/mc_vocalink_rgb_pos.png?width=285&height=80&name=mc_vocalink_rgb_pos.png) ![DieboldNixdorf_0](https://www.cashflows.com/hs-fs/hubfs/3rd%20Party%20Logos/DieboldNixdorf_0.png?width=224&height=145&name=DieboldNixdorf_0.png) ![Chipcard logo colour](https://www.cashflows.com/hs-fs/hubfs/Chipcard%20logo%20colour.png?width=494&height=145&name=Chipcard%20logo%20colour.png) ![HPS logo colour-1](https://www.cashflows.com/hs-fs/hubfs/HPS%20logo%20colour-1.png?width=300&height=91&name=HPS%20logo%20colour-1.png) ![Evry_logo_RGB_PPT](https://www.cashflows.com/hs-fs/hubfs/Evry_logo_RGB_PPT.png?width=200&height=104&name=Evry_logo_RGB_PPT.png) × Your browser does not support the video tag. ### What is our BIN Sponsorship Model? BIN sponsorship, or Card scheme sponsorship is the quick and convenient alternative to joining a card scheme directly. A scheme-assigned BIN (bank identification number) enables organisations to process card payments through that scheme. However, becoming a direct scheme member can be complex and time-consuming. Our BIN Sponsorship model is designed to help banks and ATM businesses take away administrative and regulatory burden. We can also help to get you up and running with new card types in a fraction of the time that traditional membership takes. Most importantly, it is about saving you money in the running of your ATM estate. If you are looking at ways to manage your estate more efficiently, with Cashflows you can. #### What partnering with Cashflows means for your business ![CF Icon - Tick- Purple](https://www.cashflows.com/hubfs/CF%20Icon%20-%20Tick-%20Purple.png) ##### More revenue​ Support for both local and tourist cardholders on international card schemes means maximising revenue with increased transaction types. ![CF Icon - Shield Tick- Purple](https://www.cashflows.com/hubfs/CF%20Icon%20-%20Shield%20Tick-%20Purple.png) ##### Simple set up Using our scheme relationships, we enable our clients to accept a variety of cards in their ATMs. This means greater speed to market and less complexity. ![CF Icon - Mobile - Purple](https://www.cashflows.com/hubfs/CF%20Icon%20-%20Mobile%20-%20Purple.png) ##### Cost savings Our Card scheme sponsorship model means less hassle and time spent managing scheme membership. The costs associated with ongoing compliance and regulatory burdens are reduced – helping your profit margins. ![CF Large Icon - Mobile](https://www.cashflows.com/hubfs/CF%20Large%20Icon%20-%20Mobile.png "CF Large Icon - Mobile") ##### Enhanced Safety Network tokens reduces the risk of fraudsters accessing card data. ![CF Large Icon - Scalability](https://www.cashflows.com/hubfs/CF%20Large%20Icon%20-%20Scalability.png "CF Large Icon - Scalability") ##### <65m transactions settled per annum ![Payments V3 - Icon](https://www.cashflows.com/hubfs/Payments%20V3%20-%20Icon.png "Payments V3 - Icon") ##### <£4bn settled per annum ![CF Large Icon - ATM](https://www.cashflows.com/hubfs/CF%20Large%20Icon%20-%20ATM.png "CF Large Icon - ATM") ##### 11 markets covered across Europe and growing data. ### We help businesses flourish [ See all our success stories ](https://www.cashflows.com/case-study) ![CF Loomis Card](https://www.cashflows.com/hubfs/CF%20Loomis%20Card.png) “Loomis France has worked with Cashflows for over two years. We established a partnership around ATM activities and are now in discussions on further payment services. In the project-build phase, Cashflows effectively managed the fast-moving environment and requirements of a complex ATM setup. Once up and running, Cashflows has been ever reliable and acted with a partner-oriented mindset.” ![Loomis logo](https://www.cashflows.com/hs-fs/hubfs/Loomis%20logo.jpg?width=105&height=66&name=Loomis%20logo.jpg) ##### Loomis France View case study ![CF Loomis Card](https://www.cashflows.com/hubfs/CF%20Loomis%20Card.png) View case study ![CF Cardtronics Card](https://www.cashflows.com/hubfs/CF%20Cardtronics%20Card.png) “Throughout our relationship with Cashflows they have demonstrated themselves as being highly approachable, knowledgeable, and committed. We look forward to continuing a productive working relationship with Cashflows as we continue to drive our payments innovation strategy, delivering choice and access to cash for consumers.” ![Cardtronics logo](https://www.cashflows.com/hs-fs/hubfs/Cardtronics%20logo.jpg?width=152&height=47&name=Cardtronics%20logo.jpg) ##### Cardtronics ![CF Cardtronics Card](https://www.cashflows.com/hubfs/CF%20Cardtronics%20Card.png) [ See all our success stories ](https://www.cashflows.com/case-study) ## Knowledge [View all →](https://www.cashflows.com/blog) ![Strategies to enhance your checkout experience](https://www.cashflows.com/hubfs/ECEXP.jpg) ### [Strategies to enhance your checkout experience](https://www.cashflows.com/blog/enhance-your-checkout-experience) 13.05.2025 . 4 min [Insights](https://www.cashflows.com/blog/tag/insights) [Featured](https://www.cashflows.com/blog/tag/featured) ![Video Series: Understanding funding problems facing SMEs](https://www.cashflows.com/hubfs/Series%20Frame.png) ### [Video Series: Understanding funding problems facing SMEs](https://www.cashflows.com/blog/understanding-funding-problem-facing-smes) 25.07.2024 . 3 min [Insights](https://www.cashflows.com/blog/tag/insights) ![The Future of Retail Payments: Adapting to the digital demands](https://www.cashflows.com/hubfs/Podcast%20-%20Retail%20Systems%20copy.jpg) ### [The Future of Retail Payments: Adapting to the digital demands](https://www.cashflows.com/blog/the-future-of-retail-payments) 12.07.2024 . 2 min [Mobile Payments](https://www.cashflows.com/blog/tag/mobile-payments) [In-person Payments](https://www.cashflows.com/blog/tag/in-person-payments) [Insights](https://www.cashflows.com/blog/tag/insights) [Featured](https://www.cashflows.com/blog/tag/featured) ## See what our customers are saying [Trustpilot](https://uk.trustpilot.com/review/cashflows.com) ```json { "@context" : "https://schema.org", "@type" : "VideoObject", "caption" : { "@type" : "MediaObject", "contentUrl" : "https://www.cashflows.com/media-transcripts/173976233603/en.vtt", "inLanguage" : "en", "name" : "en Captions" }, "contentUrl" : "https://2198271.fs1.hubspotusercontent-na1.net/hubfs/2198271/CF327%20Advanced%20Webinar%20Snippet%201%20V1.mp4", "dateModified" : "2025-11-24T18:39:52.467Z", "duration" : "PT33.664S", "height" : 1080, "name" : "CF327 Advanced Webinar Snippet 1 V1", "thumbnailUrl" : "https://2198271.fs1.hubspotusercontent-na1.net/hubfs/2198271/CF327%20Advanced%20Webinar%20Snippet%201%20V1.mp4/medium.jpg?t=1764009592467", "uploadDate" : "2024-07-25T12:53:34.576Z", "width" : 1920 } ``` ```json { "@context" : "https://schema.org", "@type" : "VideoObject", "caption" : { "@type" : "MediaObject", "contentUrl" : "https://www.cashflows.com/media-transcripts/173973124360/en.vtt", "inLanguage" : "en", "name" : "en Captions" }, "contentUrl" : "https://2198271.fs1.hubspotusercontent-na1.net/hubfs/2198271/CF327%20Advanced%20Webinar%20Snippet%202%20V1.mp4", "dateModified" : "2025-11-24T18:39:52.877Z", "duration" : "PT46.848S", "height" : 1080, "name" : "CF327 Advanced Webinar Snippet 2 V1", "thumbnailUrl" : "https://2198271.fs1.hubspotusercontent-na1.net/hubfs/2198271/CF327%20Advanced%20Webinar%20Snippet%202%20V1.mp4/medium.jpg?t=1764009592877", "uploadDate" : "2024-07-25T12:53:42.646Z", "width" : 1920 } ``` ```json { "@context" : "https://schema.org", "@type" : "VideoObject", "contentUrl" : "https://2198271.fs1.hubspotusercontent-na1.net/hubfs/2198271/CF327%20Advanced%20Webinar%20Snippet%203%20V1.mp4", "dateModified" : "2024-07-25T12:53:44.905Z", "duration" : "PT54S", "height" : 1080, "name" : "CF327 Advanced Webinar Snippet 3 V1", "thumbnailUrl" : "https://2198271.fs1.hubspotusercontent-na1.net/hubfs/2198271/CF327%20Advanced%20Webinar%20Snippet%203%20V1.mp4/medium.jpg?t=1721912024905", "uploadDate" : "2024-07-25T12:53:44.899Z", "width" : 1920 } ``` ```json { "@context" : "https://schema.org", "@type" : "VideoObject", "caption" : { "@type" : "MediaObject", "contentUrl" : "https://www.cashflows.com/media-transcripts/173972931867/en.vtt", "inLanguage" : "en", "name" : "en Captions" }, "contentUrl" : "https://2198271.fs1.hubspotusercontent-na1.net/hubfs/2198271/CF327%20Advanced%20Webinar%20Snippet%204%20V1.mp4", "dateModified" : "2025-11-24T18:39:56.003Z", "duration" : "PT53.355S", "height" : 1080, "name" : "CF327 Advanced Webinar Snippet 4 V1", "thumbnailUrl" : "https://2198271.fs1.hubspotusercontent-na1.net/hubfs/2198271/CF327%20Advanced%20Webinar%20Snippet%204%20V1.mp4/medium.jpg?t=1764009596003", "uploadDate" : "2024-07-25T12:53:42.480Z", "width" : 1920 } ``` ```json { "@context" : "https://schema.org", "@type" : "VideoObject", "caption" : { "@type" : "MediaObject", "contentUrl" : "https://www.cashflows.com/media-transcripts/173976084839/en.vtt", "inLanguage" : "en", "name" : "en Captions" }, "contentUrl" : "https://2198271.fs1.hubspotusercontent-na1.net/hubfs/2198271/CF327%20Advanced%20Webinar%20Full%20Video%20V1.mp4", "dateModified" : "2025-11-24T18:40:48.247Z", "duration" : "PT23M16.032S", "height" : 1080, "name" : "CF327 Advanced Webinar Full Video V1", "thumbnailUrl" : "https://2198271.fs1.hubspotusercontent-na1.net/hubfs/2198271/CF327%20Advanced%20Webinar%20Full%20Video%20V1.mp4/medium.jpg?t=1764009648247", "uploadDate" : "2024-07-25T12:58:22.386Z", "width" : 1920 } ```