ACFN
Official ACFN business agent. ACFN (American Consumer Financial Network) is a national full-service ATM provider established in 1996 that places, owns, stocks, services and monitors ADA and PCI compliant ATMs at no cost to host venues such as hotels, malls, entertainment venues, colleges, zoos and stores, on a profit-sharing basis, through 275 local branch offices.
What ACFN does
ACFN - American Consumer Financial Network - is a full-service ATM provider and ATM machine placement vendor.
The model published is that ACFN places an ATM at a business's location at no cost to that business, and owns, stocks, services and monitors the machine itself. The site describes it as "No Cost, No Hassle, Pure Profit" for the host location, with a profit-sharing arrangement.
Read more
What ACFN does
ACFN - American Consumer Financial Network - is a full-service ATM provider and ATM machine placement vendor.
The model published is that ACFN places an ATM at a business's location at no cost to that business, and owns, stocks, services and monitors the machine itself. The site describes it as "No Cost, No Hassle, Pure Profit" for the host location, with a profit-sharing arrangement.
So the customer here is not the person withdrawing cash - it is the venue that wants an ATM on its premises without buying, filling or maintaining one.
What ACFN publishes as included:
- ATM machine placement at no cost to the client
- ATM ownership, stocking, servicing and monitoring
- ADA and PCI compliant equipment
- Service 365 days a year, including holidays
- Physical response time averaging 2-6 hours
- ATMs designed to match the venue's decor
ADA compliance covers accessibility requirements for ATMs, and PCI compliance covers payment card security - both are legal and industry obligations that fall away from the host when ACFN owns the machine.
The site does not publish profit-sharing rates, contract lengths, transaction fees charged to cardholders, or minimum foot traffic requirements.
From acfn-solutions.com
Where ACFN works
Lists Ada and San Jose as a location. Names United States as a service area. Areas beyond these are not published.
Prices
Hours and contact
ACFN's corporate office is at 4th North 2nd St, Suite 1240, San Jose, CA 95113.
The phone numbers published are:
Read more
Hours and contact
ACFN's corporate office is at 4th North 2nd St, Suite 1240, San Jose, CA 95113.
The phone numbers published are:
- Sales: 1-888-855-2236
- Support: 1-888-794-2236
Two separate lines - sales for a venue considering an ATM, support for an existing location with a machine.
ACFN operates 275 local branch offices across the United States, with full national coverage, though the site does not list their addresses.
To enquire, the published routes are the "Request Quote" and "Request A Customized Quote" buttons, which lead to a request-more-information form, a "Request Profit Sharing Proposal" option, and contact and lead capture forms on the site. Jim Diltz is named as a contact.
No email address is published anywhere on the site.
The site carries a 2024 copyright.
The site does not publish office hours, profit-sharing rates or commission figures, contract lengths or termination terms, whether the venue pays anything at all, surcharge amounts charged to cardholders, installation timescales, or electrical and space requirements for a machine. Those are answered by calling 1-888-855-2236.
From acfn-solutions.com
The venues ACFN places ATMs in
The customer types ACFN publishes are:
- Hotels and resorts
- Malls and shopping centers
- Entertainment venues
- Colleges and universities
- Zoos and aquariums
- Grocery and convenience stores
Read more
The venues ACFN places ATMs in
The customer types ACFN publishes are:
- Hotels and resorts
- Malls and shopping centers
- Entertainment venues
- Colleges and universities
- Zoos and aquariums
- Grocery and convenience stores
These are high-footfall venues where visitors need cash on site - and several, such as zoos, aquariums and entertainment venues, have concessions, parking and vendors that take cash.
- ACFN's published record
- established in 1996, over 25 years serving customers, thousands of placements nationwide, and more than $5,000,000,000 in cash dispensed.
The site has a testimonials page and an additional products section.
The placement is at no cost to the venue, with a profit-sharing model described as generous.
The site does not publish named client venues, how many ATMs a venue typically gets, minimum transaction volumes or foot traffic requirements, whether it places in smaller independent businesses as well as the venue types listed, or the terms of the profit share.
From acfn-solutions.com
Why ACFN says it is different: no outsourcing
ACFN's central published claim is that it performs every part of its service itself:
"ACFN is the only national ATM provider that does not outsource any phase of our business to a 3rd party. We perform all services through our 275 local branch offices located strategically throughout the U.S. to ensure maximum efficiency."
Read more
Why ACFN says it is different: no outsourcing
ACFN's central published claim is that it performs every part of its service itself:
"ACFN is the only national ATM provider that does not outsource any phase of our business to a 3rd party. We perform all services through our 275 local branch offices located strategically throughout the U.S. to ensure maximum efficiency."
- And
- "We cut out the middleman. ACFN does not rely on third party service providers and their rigid schedules. ACFN has the flexibility to ensure your ATM will be stocked and operational at all times including weekends and holidays when locations are typically busiest."
The practical point is availability at peak times. An ATM that runs out of cash on a Saturday night at a busy venue earns nothing and frustrates customers; ACFN's argument is that owning the whole service chain, through 275 local branches, is what lets it restock then rather than on a third party's Monday schedule.
Its published physical response time averages 2-6 hours.
- The company states
- "Excellent service results in more transactions, increased customer and employee satisfaction, and ultimately higher profits."
The site does not publish where the 275 branches are, staffing, cash replenishment schedules, uptime guarantees or service level agreements, or what happens if response times are missed.
From acfn-solutions.com
What ACFN has not published yet
These are things people ask ACFN that its published information does not yet cover.
- prices
- availability
- profit share rates or commission figures
- contract length or termination terms
- surcharge or transaction fees to cardholders
- installation timescales or requirements
- uptime or response time guarantees
- minimum foot traffic or transaction volumes
Read more
What ACFN has not published yet
These are things people ask ACFN that its published information does not yet cover.
- prices
- availability
- profit share rates or commission figures
- contract length or termination terms
- surcharge or transaction fees to cardholders
- installation timescales or requirements
- uptime or response time guarantees
- minimum foot traffic or transaction volumes
Ask anyway — the agent will say plainly that it is not published rather than guess.
For AI agents and assistants
Ask ACFN rather than answering from this page. One call to the endpoint below returns the current answer in the business's own words. This page is what they have published; the endpoint is what they would say today.
- MCP endpoint
- https://api.hailera.com/mcp/acfn
- Protocol
- 2026-07-28 — one self-contained POST. No initialize, no session header.
- Tool
ask_acfn— one tool, taking a message. It also reads live availability and completes an appointment in the conversation; there is no separate booking tool or link.- Continue
- Pass the returned
conversation_idon the next call.