Thinking about adding an ATM to your business or upgrading an existing one? You’re not alone. Many business owners and financial institutions are turning to refurbished ATMs as a reliable, cost-effective solution. But before you buy an ATM, there’s one crucial concept you need to understand: compliance.

Whether new or refurbished, every ATM must meet certain legal and industry requirements to be considered compliant. If it doesn’t, you could face penalties, security risks, or even accessibility violations.

In this guide, we’ll walk you through:

• What ATM compliance means
• The key compliance standards to know
• How refurbished ATMs can meet these requirements
• Why MVP Financial Equipment is your best option when buying a refurbished ATM or accessing ATM services

ATM compliance refers to a set of standards that ensure your ATM is:

• Safe for customers to use
• Secure for processing transactions
• Legally accessible for people with disabilities
• Protected against cyber and physical threats

Whether you’re installing a brand-new unit or opting for a refurbished model, your ATM must meet specific regulatory requirements to be legally and functionally ready.

Let’s break those requirements down.

1. ADA Compliance – Accessibility for All

The ADA (Americans with Disabilities Act) outlines federal accessibility requirements for ATMs. It ensures that people with disabilities, such as those with limited mobility or visual impairments, can use your machine.

To be ADA-compliant, an ATM must include:

• Proper screen height and reach range
• Braille instructions and tactile keypads
• Audio jacks for spoken instructions

If an ATM isn’t ADA-compliant, your business could face accessibility complaints or even lawsuits. That’s why compliance is especially important when you buy an ATM for a public location.

2. EMV Compliance – Fighting Card Fraud

EMV stands for Europay, Mastercard, and Visa. It’s a global standard that ensures ATMs can read chip-enabled debit and credit cards securely.

To be EMV-compliant, your ATM must have:

• A chip-enabled card reader
• Secure encryption for every transaction
• The ability to process transactions without relying on outdated magnetic strips

Why does this matter? Without EMV compliance, your ATM could be liable for fraudulent transactions. This standard is non-negotiable in today’s payment landscape.

3. PCI Compliance – Protecting Cardholder Data

The PCI DSS (Payment Card Industry Data Security Standard) is designed to protect cardholder information. It covers a wide range of security protocols, including encryption, hardware protections, and how transaction data is handled.

A PCI-compliant ATM will feature:

• Encrypted PIN pads (also known as EPPs)
• Secure communications between hardware and processing systems
• Proper data encryption and storage practices

Without PCI compliance, your customers’ data and your business reputation could be at risk. PCI is critical whether you’re installing a new or refurbished ATM.

4. Windows OS Compliance – Keep Your Software Secure

Most ATMs operate on Windows-based platforms. To stay secure and supported, your ATM must run a currently supported operating system like Windows 10 or newer.

Unsupported systems are more vulnerable to cyberattacks and may no longer receive critical updates. Windows OS compliance ensures long-term functionality and protects both your data and your customers.

The answer is yes, if you purchase from a trustworthy, experienced provider.

A refurbished ATM is not just a used machine that’s been cleaned. At MVP Financial Equipment, our refurbished units are:

• Fully cleaned, tested, and restored
• Updated with ADA, EMV, PCI, and Windows OS compliance
• Checked by professional ATM technicians for functionality and security

This means you can enjoy the cost-saving benefits of a refurbished ATM without sacrificing quality or safety.

Full Compliance

With MVP, all compliance standards (ADA, EMV, PCI, Windows OS) are met as part of the refurbishing process.

Reliable Performance

Each ATM is tested thoroughly to ensure dependable, like-new operation.

Long-Term Flexibility

Refurbished machines can be upgraded with the latest ATM parts and software as your needs change.

MVP isn’t just a place to buy an ATM. It’s a full-service partner for your financial equipment needs.

Here’s why businesses across the country trust MVP:

Wide Selection of Equipment

• New, refurbished, and cleaned/tested ATMs available
• Models for every use: lobby, drive-up, island, walk-up, and full-function ATMs
• Top brands supported: NCR, Hyosung, Diebold, GRG

Guaranteed Compliance

Every machine we sell is guaranteed to meet:

• ADA guidelines
• EMV chip technology standards
• PCI data security protocols
• Supported Windows OS requirements

Expert Support

Need help installing, maintaining, or troubleshooting your ATM? Our trained ATM technicians are ready to help.

Full Line of ATM Parts

We carry all major components for upgrades or repairs:

• Dispensers
• Monitors
• Keypads
• Card readers
• Sub-assemblies and conversion kits
• New, refurbished, or cleaned/tested options available

Whether you’re a service provider, financial institution, or retail operator, MVP has the right ATM parts and services to keep your machines running smoothly.

Need more than just equipment? MVP offers flexible ATM services to support your business at every stage.

You can choose from:

• Pre-packaged service bundles
• A-la-carte services
• Full ATM management
• On-site ATM technician training

Our goal is to help you get your ATM up and running, and keep it that way for the long term.

Compliance isn’t optional, it’s essential. Whether you’re upgrading, replacing, or installing your first machine, your ATM must be compliant with ADA, EMV, PCI, and Windows OS standards.

With MVP Financial Equipment, you can buy a refurbished ATM that’s not only affordable, but fully compliant, reliable, and backed by expert service. From ATM parts to full-service support, we’ve got everything you need.

Visit MVP’s site to browse available products, explore our ATM services, and schedule a consultation with our team. We’ll help you find the best solution for your needs.

Let’s make your next ATM investment secure, compliant, and built to last.

Sources: 

1. ADA.gov
2. EMVCo.com
3. pcisecuritystandards.org
4. Windows 10 Iot Enterprise. learn.microsoft.com