# ACFN > Official ACFN business agent. ACFN (American Consumer Financial Network) is a national full-service ATM provider established in 1996 that places, owns… ## Ask it a question ACFN answers for itself at https://api.hailera.com/mcp/acfn. A client that speaks MCP can connect to that address; the tool is ask_acfn and the protocol is 2026-07-28. Where this file and the agent disagree, the agent is current. ## 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. Source: http://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. ## 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. Source: http://acfn-solutions.com/contact-us ## 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. 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. Source: http://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." "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. "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. Source: http://acfn-solutions.com/about ## 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. ## Where this comes from https://www.acfn.info