What Does PCI Compliance Mean for Merchants that Own Their ATMs?
BFC Enterprises • November 19, 2023

If you own your own ATMs, Payment Card Industry (PCI) Compliance is essential for ensuring ongoing security – not just for your customers but also for your bottom line. However, with an upcoming compliance deadline of January 1, 2025, many merchant ATM owners are unsure how this impacts them directly. 

While the 2025 deadline largely applies to ATM manufacturers and processors, taking proactive steps now to meet compliance can significantly reduce your risk exposure. 

Here’s what merchants need to know.

Looming Compliance Deadlines 
According to experts at the recent at the recent National ATM Council conference in Las Vegas, NV, the 2025 PCI compliance standards require:
  • ATM manufacturers to have upgrade paths outlined and new, compliant equipment and software available.
  • Processors to accept and encrypt transactions using the latest secure key block standards.
While merchants may think this buys them time, failing to upgrade non-compliant machines can leave merchant owners and operators highly vulnerable.

Exposure from Older, Non-Compliant ATMs
Criminals actively target older ATMs that have potential vulnerabilities. This concept has been consistently proven as bad actors go after machines that have failed to block off access points, lockdown software entry points, update operating systems, or upgrade to EMV. These machines are the ones most likely to lack:
  • Encrypted PINs and data
  • Anti-skimming and tampering protections
  • Updated software security
But it’s more than attracting ATM crime. Come 2025, non-compliant ATMs will face:  
  • Supply delays if seeking last-minute upgrades or even newer ATMs, as demand spikes.
  • Greater liability if breached, as older ATMs lack security.
Though risks today appear minimal, merchants - even one ATM upgrade behind - compound their vulnerabilities. Machines that are several updates behind are just increasing their risk. More importantly, ATMs that are not fully compliant face a real possibility of taking on the liability should their machine become the target of an attack.

Partnering With a Reliable ATM Provider Can Help
Rather than shoulder the weight of liability or the ATM upgrade costs now and down the road when the inevitable mandatory security upgrade arises, merchants should consider partnering with a reliable ATM provider. BFC Enterprises, which has been in business more than three-quarters of a century, partner can take on the ownership and capital costs of maintaining upgrades and compliance of merchant machines. This includes passing off the liability associated with potentially out-of-date equipment or software.

By taking a proactive approach to ATM compliance now, merchants can focus on their business operations and making money – rather than potential risks and losses. Partnering with BFC Enterprises is an effective way to cost-effectively provide customers with secure, compliant ATMs while reducing your long-term risk exposure. 

Don’t wait until the last minute – make the smart choice for your business before January 2025. 
Contact BFC Enterprises today to see how your business can continue to provide safe and secure cash access while still benefiting from ATM surcharge income.

By BFC Enterprises October 27, 2025
That's exactly why partnering with BFC Enterprises to select and manage your amusement games is a smart move. You get expertly matched equipment that maximizes fun, keeps customers engaged, and hits your revenue goals, without any of the guesswork or hassle. Game Selection Backed by Real Experience BFC Enterprises has spent decades placing games in all kinds of business environments. We've seen what works in shopping centers versus family restaurants. We know which games draw teenagers at youth sports facilities and which ones keep adults entertained at bars while they wait for their food. When we evaluate your location, we're looking at your customer base, your foot traffic patterns, and your available space. We're thinking about who's walking through your doors, how long they typically stay, and what kind of entertainment matches their vibe. Then we match game styles to those factors for optimal performance. You shouldn't have to figure this out through expensive trial and error. We already know what works. Maximize Play and Profit Here's a truth every business owner should know: not all amusement games perform equally in every location. Some games get tons of attention and consistent play. Others just take up space. We use data and hands-on experience to choose games that will actually get played. We place the ones that grab attention, generate consistent activity, and deliver the highest revenue return. This means more passive income for you without spending months testing different machines to see what sticks. Think of it this way: we're not just dropping random equipment in your location and hoping for the best. We're strategically placing proven performers that match your specific environment. That's the difference between a few extra bucks a month and a meaningful revenue stream. Regular Rotation Without the Hassle Even the best games can get stale after a while. That's why we don't just set it and forget it. BFC Enterprises actively monitors game performance at your location. When we notice engagement dropping or when there's an opportunity to refresh things, we rotate games to keep your customers interested and having fun. We also select seasonal prizes that keep people playing longer and coming back to see what's new. The best part? You don’t have to track any of this yourself. We handle the strategy, the swaps, and the prize selection. Your customers stay entertained, and you keep earning, all without lifting a finger. Full-Service Support You Can Count On When you partner with BFC Enterprises , you're not just getting equipment delivered and left behind. You're getting complete, ongoing support. We handle compatibility issues, maintenance, prize stocking, and repairs. If something breaks, you're not scrambling to fix it or figure out who to call. Our team takes care of everything while you focus on what you do best – serving your customers and running your business. This is truly passive income. No headaches, no technical problems to solve, no wondering if you picked the right equipment. Just steady earnings from games that work. The Bottom Line Adding amusement games to your location is a smart way to increase customer engagement, extend dwell time, and create an additional revenue stream. But only if you choose the right games and manage them properly. When you partner with BFC Enterprises, you get the best-performing, highest-return amusement setup – customized specifically to your business and your customers – without any of the work. We bring the expertise, the equipment, and the ongoing support. You bring the space and the customers. Together, we create more fun, more engagement, and more profit. Ready to get started? Contact BFC Enterprises today and let's build the perfect amusement game setup for your location. 📞 (314) 961-9000 🌐 bfcenterprises.com/contact
Boost staff morale, reduce turnover, and create a new revenue stream with an ATM on-site
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