> For the complete documentation index, see [llms.txt](https://docs.xft.finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.xft.finance/learn/flows/payments/atms.md).

# ATMs

1a: Authorization

<figure><img src="/files/MQDmRT5k0TJIp8n7Kzvr" alt=""><figcaption></figcaption></figure>

1b: Fees

<figure><img src="/files/tb55yxRIX86ErjR9Rv8i" alt=""><figcaption></figcaption></figure>

1c: Settlement

<figure><img src="/files/9kVPC7y57Pxyp4E6IxKB" alt=""><figcaption></figcaption></figure>

1c (cont.): Settlement

<figure><img src="/files/IJZpZIoRXYbTNyiUNCln" alt=""><figcaption></figcaption></figure>

***

<mark style="color:purple;">RESOURCES</mark>

[A Guide to the ATM and Debit Card Industry](https://www.kansascityfed.org/documents/6674/GuideATM_DebitCardIndustry_2003.pdf)