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Analyzing ATM Routing Scenarios and Implications for Stakeholders in the US

This document outlines the objectives of the AID “What-Ifs” Sub-group regarding the maintenance of existing US ATM routing infrastructure. It examines how ATM acquirers utilize network BIN tables and proprietary routing logic to determine transaction routing at their ATMs, including obligations to adhere to network operating rules. The group considers various scenarios concerning EMV cards issued in the US and their implications, from single applications to multiple applications and AIDs, to better educate stakeholders on transaction routing strategies.

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Analyzing ATM Routing Scenarios and Implications for Stakeholders in the US

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  1. ATM Working Group AID “What-Ifs” Sub-Group

  2. AID “What-Ifs” Sub-group Objective for consideration – Maintain existing US ATM routing infrastructure • ATM Acquirers, utilizing network BIN tables and proprietary routing logic, decide where to route transactions acquired at their ATMs • Taking into consideration their obligations to the network operating rules for networks they choose to accept at their ATMs • Some ATM Acquirers choose to “blackhole” all acquired ATM activity to their processor or network, for subsequent routing to other networks, at the acquirers instructions • On-Us ATM transactions are typically not routed through shared networks, but maintained within the acquirers own systems for routing and authorization • Some acquirers may elect to route a portion of their on-us activity through a shared network for specific business reasons

  3. AID “What-Ifs” Sub-group We should look at each of the following potential scenarios to understand the implications for all stakeholders and educate the relevant working groups of those implications • Scenario 1 – EMV card – US issued, one EMV application, one AID • Scenario 2 – EMV card – US issued, one EMV application, multiple AIDs • Scenario 3 – EMV card – US issued, two EMV applications, one or more AIDs under each application • Scenario 4 – EMV card – Non-US issued, one EMV application, multiple AIDs

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