> 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="https://960155864-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FVw4YaRvQtCLcdva1K37V%2Fuploads%2Fd5kVxYahHmuKBYRQDrCZ%2Fimage.png?alt=media&amp;token=e12aaba9-76db-435e-96dc-84bbdefc8545" alt=""><figcaption></figcaption></figure>

1b: Fees

<figure><img src="https://960155864-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FVw4YaRvQtCLcdva1K37V%2Fuploads%2F5q2Oqs9XJdeGK8mMqGHD%2Fimage.png?alt=media&amp;token=bd389f33-ae27-4e54-8fc4-56b25ec52d50" alt=""><figcaption></figcaption></figure>

1c: Settlement

<figure><img src="https://960155864-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FVw4YaRvQtCLcdva1K37V%2Fuploads%2Fdnhy1AFHtFavEnyfVCtI%2Fimage.png?alt=media&amp;token=9f3a7b87-eb75-40b0-8b9e-7cfc2275d979" alt=""><figcaption></figcaption></figure>

1c (cont.): Settlement

<figure><img src="https://960155864-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FVw4YaRvQtCLcdva1K37V%2Fuploads%2FDD1oYBRX9tyoL73zU8u6%2Fimage.png?alt=media&amp;token=070b0afe-fb8d-477d-a6f0-dcaad7d93d76" 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)