TR‑31 is a security standard that governs how ATM transaction keys are handled, exchanged, and stored, focusing on encryption and key management. Maintaining TR‑31 compliance helps protect against unauthorized access and tampering of sensitive ATM data. We assist our clients by implementing protocols, managing key loading securely, and ensuring audits and controls are in place to meet TR‑31 requirements.

The liability shift for counterfeit card fraud took effect in October 2016 for MasterCard and in October 2017 for Visa. If your ATM is not EMV-capable after those dates, you may bear liability for fraud. Because EMV implementation can take 12‑16 months (or more, depending on your hardware/software environment), we strongly recommend planning well in advance. We help clients design and execute EMV migration strategies to minimize disruptions.

ATM compliance audits should be performed at least annually, or more frequently if there are changes in regulations, hardware, or your operating environment. Regular audits help identify vulnerabilities, ensure your ATMs meet current security and accessibility standards, and avoid costly penalties. Central ATM offers scheduled compliance reviews to keep your network secure and aligned with industry requirements.

The Americans with Disabilities Act (ADA) requires that ATMs be accessible to individuals with disabilities. That includes requirements around reach ranges, tactile keypads, audio prompts, proper screen contrast, and sufficient clear space around the unit. Non‑compliance can result in legal risk, fines, or customer accessibility issues. We offer ADA compliance audits and modifications (hardware and software) to bring your ATM installations up to standard and help you avoid violations.