Middleware platform enabling cardless and QR-based ATM cash withdrawals. One platform, multiple payment schemes — UPI QR (India, live), QRIS/TUNTAS, VietQR/NAPAS and more. Multi-scheme connector architecture, extensible as markets evolve.
TransBridge's connector architecture supports multiple interoperable payment schemes out of the box — and can be extended to new schemes as they emerge.
Enables customers to initiate ATM cash withdrawals by scanning a QR code with their UPI-enabled banking app — no card required. Fully integrated with NPCI's UPI infrastructure.
TUNTAS (Tarik Tunai Tanpa Kartu) is Bank Indonesia's cardless cash withdrawal standard via QRIS. TransBridge enables Indonesian banks and ATM deployers to support TUNTAS across their estate.
VietQR is Vietnam's national QR payment standard operated through NAPAS (National Payment Corporation of Vietnam). TransBridge enables ATM cash withdrawals via the VietQR ecosystem.
TransBridge's connector/adapter model is designed to onboard new interoperable and cardless payment schemes rapidly. If your market has an emerging QR or interoperable ATM withdrawal standard, we can build the connector.
TransBridge sits between your ATM infrastructure and payment scheme endpoints — handling all protocol translation, message transformation, routing, and security.
Routes and transforms messages between ATM and payment scheme APIs
Dynamic QR code generation per transaction, scheme-specific format
Role-based access control for operations and administration
Encryption, mutual auth, API key management, audit logging
Full transaction history, reconciliation data, dispute evidence
ATM-level performance and availability tracking
Configurable alerts for failures, timeouts, and anomalies
Transaction reports, scheme performance, reconciliation views
Bidirectional protocol translation between ISO 8583 (ATM switch language) and JSON/REST APIs used by modern payment schemes. Handles all field mapping, encoding, and validation.
New payment schemes added as pluggable connectors — without core platform changes. Future-proof design allows onboarding of new cardless standards as they emerge in each market.
Mutual authentication, API key management, TLS encryption in transit, and comprehensive audit logging for every transaction — bank-grade security by default.
Real-time transaction monitoring, scheme performance views, failure alerting, and reconciliation reporting — all in a role-based web console for operations teams.
Every transaction — initiation, routing, authorisation, response — is logged with timestamps and metadata for dispute resolution, chargebacks, and regulatory audit.
Deployed on-premise at the bank/switch data centre, or in private cloud. Supports high-availability configurations for mission-critical ATM transaction flows.
Whether you're a bank, ATM deployer, or switch operator — TransBridge can be operational in your environment faster than you'd expect.