Money Transfer

Money Transfer & Electronic Payments

MoneyGram’s new kiosk solution enables consumers to independently stage money transfer and electronic payment transactions using a highly secure & reliable platform.   The platform is designed to deliver high volume financial services in retail stores, banks, and post offices throughout the US. 

MoneyGram’s goal in deploying kiosks was to improve delivery efficiency for their retail partners.  They worked with KIOSK’s Software Solutions team to develop a very simple and intuitive user interface that facilitates self-service transaction steps, thereby reducing ongoing labor delivery costs.  Automation of transaction staging streamlines both transfer and payment processes, delivering an improved user experience and driving ongoing customer loyalty. 

The custom portfolio includes both counter-top and pedestal mount kiosks, providing a compact and modernized service footprint.  The platform is built for flexibility, reliability, and durability to eliminate Store Associate maintenance demands.  The solution includes extensive remote monitoring capability for maximized performance and simplified service updates. 

MoneyGram KIOSK Solution Video
Bill Payment

Bill Payment Kiosks

2013 statistics from the FDIC report 7.7% of households in the United States as unbanked (9.6 million households).   Further, a full 20% are underbanked - meaning they have a bank account but also use alternative financial services outside of the banking system.   This growing demographic, combined with retailer profitability pressures combine to drive continuous self-service bill payment demand.  Few kiosk applications can compete with the ROI and mutual benefits of bill payment:

Business / Deployer Benefits:

  • Cost effective delivery of repetitive transactions (cash, credit, debit, check)
  • Lower staffing / overhead costs (reduced headcount / re-directed staff productivity)
  • Faster revenue recognition
  • Improved customer satisfaction (inclusive of under-banked customers)
  • Secure, encrypted transactions
  • Consistent upsell presentation / data capture


Consumer Benefits:

  • Total payment flexibility
  • Real-time confirmation for last minute payments
  • Proactive financial management (avoid late fees, service interruptions, re-connect fees)
  • Multilingual user interface
  • Faster service, extended hours

 KIOSK has over 10,000 points of presence in self-service bill payment with solutions ranging from in-store single provider bill payment, to utility and cable service providers, and retailer multifunction platforms.  

Bill Pay Software

Kiosk Bill Payment Software

Modular Application Design

KIOSK's Application Development Team delivers licensable code modules for virtually all key Bill Payment transaction requirements. This rich code library provides turnkey development elements, reducing development costs. Remaining customization is focused on customer-specific API integration, user flow, branding, and incremental feature additions.

Bill Pay Application Functionality

KIOSK's Base Bill Pay application manages all common payment transaction needs, with hardware controls to drive payment components.

Key application features include:

  • Complete payment fulfillment options including cash, credit / debit (fully secure and encrypted), checks, gift cards, and electronic check payment
  • Capability to support multiple bills and back-end payment systems, providing simple platform expansion
  • Prepaid accounts / auto-replenishment
  • Full-feature Remote Management platform (KIOSK CORE)
  • Comprehensive reporting

Additional details in the KIOSK Bill Payment Solution Brochure.

Branch Automation

Branch Automation Kiosks

The profitability pressures tied to traditional brick and mortar branch banking have many institutions re-thinking self-service technology measures to more efficiently advance customer service delivery.  KIOSK provides both standard and custom platforms that expand beyond ATM functionality to cut transaction costs and deliver a broader range of profitable banking services.    

Working with leading expert providers of retail branch banking software; KIOSK can provide a complete solution integrated into the Financial Institution’s own core processing platform.  Utilizing a modular platform design approach, KIOSK can integrate custom transaction components to drive branch automation goals.

 Common Consumer Transaction Features Include:

  • Deposits (cash, check imaging, mixed)
  • Withdrawls
  • Payments
  • Transfers
  • Ancillary product sales presentation
  • Multi-account managment
  • Statement printing
  • Secure authentication options

The platform is both XFS and PCI DSS compliant.  The base application elements support key automation transaction features (above) with efficient “drag and drop” customization tools.  Custom UI and workflow composition are created and integrated with a secure API interface to the client’s own platform.