How Ready Credit and KIOSK Information Systems Helped Thousands of Businesses Go Cashless While Still Serving Cash Customers
Twenty years. Thousands of locations. One powerful solution.
For most businesses, cash is a necessary headache.
Counting, securing, reconciling, and transporting cash consumes time and resources operators would rather invest elsewhere. Yet eliminating cash entirely is not an option. Millions of Americans still rely on it. And in New York State, refusing a cash paying customer is now against the law. Operators are adopting cash payment kiosks to modernize transactions without excluding cash-paying customers.
Ready Credit Corp has spent 20 years solving that tension. For the last decade, KIOSK Information Systems has been the hardware partner that helped bring the solution to life. Together, they have help businesses across North America and Canada modernize cash management while continuing to serve cash-paying customers.
The model is straightforward. Venues place a ReadySTATION® kiosk at key customer touchpoints. Guests insert cash and instantly receive a ReadyCARD® prepaid card to use anywhere Mastercard® or Visa® is accepted. From that moment on, the entire venue operates digitally. No cash drawers, counting, or armored carriers. Operators will continue serving cash-paying and unbanked customers.
Why Businesses Are Modernizing Cash Payments
Businesses across hospitality, healthcare, transportation, entertainment environments, and financial services continue to manage high volumes of cash transactions every day. At the same time, operators face increasing pressure to improve transaction speed, reduce labor demands, and modernize customer experiences.
Self-service cash payment kiosks help organizations streamline payment operations while continuing to support customers who rely on cash. By reducing manual cash handling, businesses can improve efficiency, shorten lines, and minimize operational complexity across high-traffic environments.
“We patented and solved the cost and complexity of cash handling twenty years ago and are continuously innovating – so our customers never have to think about it again.”
Brian Hedberg, CEO, Ready Credit Corp
The Cash Problem Is Bigger Than Most Operators Realize
Cash handling remains one of the most underestimated cost centers across retail, hospitality, food service, and entertainment. Industry research estimates that U.S. businesses spend more than $40 billion annually managing cash, factoring in labor, security, losses, and processing. This includes armored carrier fees, staff hours spent counting and reconciling, shrinkage from error and theft, and the friction that slows transaction speeds and extends lines at peak times.
At the same time, a full move away from cash is not realistic for most operators. The Federal Reserve estimates that roughly one in five American adults is unbanked or underbanked relying on cash as their primary or only form of payment or only payment method. These are not fringe customers. They are regulars at sports venues, transit hubs, hotel lobbies, hospitals, and retail floors across the country.
For twenty years, this tension left businesses with an impossible choice: accept cash and absorb the cost, or go cashless and exclude a meaningful portion of their customers. That tension left businesses stuck. Ready Credit and KIOSK have built a third path.
The Cash Payment Solution That Modernizes Operations Without Excluding Anyone
Modern cash payment kiosks help businesses reduce cash-handling complexity while improving operational efficiency and customer accessibility.
- Faster transaction times
- Reduced labor demands
- Improved payment accessibility
- Lower cash-handling risk
- Streamlined digital payment operations
- Better customer experiences in high-volume environments
“At KIOSK, we view cash-to-digital conversion as another example of how self-service technology removes friction from the customer journey while improving operational efficiency for our clients.”
Kim Kenney, CEO, KIOSK Information Systems
Benefits of Cash Payment Kiosks
Modern cash payment kiosks help businesses reduce cash-handling complexity while improving operational efficiency and customer accessibility.
- Faster transaction times
- Reduced labor demands
- Improved payment accessibility
- Lower cash-handling risk
- Streamlined digital payment operations
- Better customer experiences in high-volume environments
Industries Benefiting from Cash Payment Kiosks
Financial Services
Cash automation and payment kiosks help financial institutions and service providers improve transaction security, reduce manual cash handling, and deliver more accessible payment options.
- Utility and bill payment centers supporting cash-to-card transactions
- Public-facing payment environments transitioning toward digital payments
- Financial service locations reducing cash-handling risk and operational overhead
Healthcare
Healthcare organizations use self-service kiosks to streamline patient check-in, payment collection, and visitor management while improving operational efficiency across hospitals and clinics.
- Hospital campuses offering cash-to-card payment options for cafeterias and pharmacies
- Healthcare systems supporting visitor and patient payments in cashless environments
- Medical facilities reducing manual cash handling across multiple departments
Hospitality
Hotels and hospitality environments use cash payment kiosks to reduce front desk congestion, improve guest convenience, and simplify cash handling operations while maintaining seamless digital payment workflows.
- Hotel lobbies and resorts improving guest payment convenience during check-in and amenity purchases
- Hospitality food and beverage environments reducing cash-handling complexity during high-volume operations
- Guest service areas supporting cash-paying travelers while maintaining digital payment workflows
Retail
Retailers use cash payment kiosks to modernize checkout experiences, support cash acceptance, and reduce labor demands while improving customer convenience.
- Shopping malls offering cash-to-card conversion for cashless retailers
- Large retail environments reducing cash handling at checkout lanes
- Self-service retail stores supporting prepaid cash conversion for digital purchases
Entertainment & Leisure
Sports venues, casinos, entertainment destinations, and leisure environments use cash payment kiosks to support cashless operations, reduce transaction lines, and improve guest experiences for high-volume events and attractions.
- Casinos and gaming venues supporting cashless transaction environments
- Concert venues and entertainment destinations reducing cash-handling complexity during high-volume events
- Sports arenas and stadiums converting cash into prepaid payment cards for concessions and merchandise
Transportation
Transit agencies, parking environments, and mobility providers rely on secure self-service payment technology to support ticketing, fare collection, and customer service in high-traffic environments.
- Transit stations supporting digital fare systems for cash-paying riders
- Airports reducing cash handling in concessions and parking operations
- Parking environments converting cash into prepaid digital payment methods
Real World Results: What Operators are Saying About Our Cash Payment Kiosks
Ready Credit holds an Excellent-rated Net Promoter Score, placing the company in the top quartile of the fintech industry. That score reflects consistent feedback from operators across entertainment, hospitality, transportation, and healthcare – the core verticals where ReadySTATION® has been deployed at scale.
The themes that come up repeatedly in customer feedback are telling. Operators describe machines that stay up and run reliably through demanding environments. They cite fast issue resolution, proactive service communication, and a system that functions independently with minimal demands on their own staff. For a venue manager overseeing a major event, that kind of self-sufficient performance is not a luxury. It is operationally essential.
“ReadySTATION® gives businesses a smarter, simpler path to cash acceptance – fully compliant, fully operational, and customer centric.”
Brian Hedberg, CEO, Ready Credit Corp
New York State Just Made This Decision for Thousands of Businesses
On March 20, 2026, New York Senate Bill S4153A took effect statewide. The law prohibits food, retail, hospitality, and entertainment businesses from refusing cash for in-person transactions. Businesses cannot impose higher prices for cash-paying customers. They cannot apply a surcharge. And they cannot opt out.
The law was designed to protect unbanked and cash-reliant residents who have been increasingly excluded as more businesses shift to digital-only payments. New York City has operated under a similar rule since 2020 through NYC Local Law 34. The statewide expansion now covers every operator in those sectors across the state.
For any business that has gone fully cashless, this creates an immediate compliance requirement with no workaround. They must accept cash. Yet most lack the infrastructure to do so efficiently. That is exactly where Ready Credit and KIOSK Information Systems step in. ReadySTATION® provides a proven path to full compliance without the need for cash drawers, armored carriers, or late-night reconciliation. A guest simply inserts cash and receives a ReadyCARD® prepaid card, loaded and ready to spend. The business remains operationally cashless, every customer is served, and compliance is fully achieved. The result is full legal compliance and a more efficient way to accept cash without any of the costs and complexities that come with handling it.
Twenty Years of Partnership, Built for This Moment
ReadySTATION® is the product of a twenty-year hardware and software partnership between Ready Credit and KIOSK Information Systems. Ready Credit delivers the payment platform, prepaid card network, compliance infrastructure, and customer service operation, while KIOSK provides the engineering, manufacturing, and deployment expertise that ensures reliable kiosk experience at scale.
That combination has been tested across thousands of locations in some of the most demanding environments in North America and Canada. Sports arenas. Airport terminals. Hotel lobbies. Hospital campuses. Transit hubs. Built for environments where uptime is critical and high transaction volumes leave no room for friction.
As New York State’s law takes hold and the conversation around cash acceptance expands, operators are seeking certainty, not speculation. Backed by a twenty-year track record, this partnership offers a proven platform with an excellent rated NPS, trusted by Fortune 100 clients, and validated through decades of real-world self-service deployment.
Considering a Cashless Conversion Strategy?
KIOSK Information Systems and Ready Credit can help evaluate:
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Cash-to-card conversion
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Venue modernization
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Compliance with cash acceptance regulations
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Self-service deployment strategy
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Managed services and nationwide support
KIOSK Information Systems and Ready Credit continue helping operators modernize payment operations across hospitality, healthcare, transportation, entertainment, and other high-traffic environments.
Learn how self-service cash payment kiosks can improve operational efficiency while maintaining accessibility for cash-paying customers.
For KIOSK customers seeking modern cash payment kiosks and a trusted cash management partner, Ready Credit delivers a proven solution backed by successful large-scale deployments across entertainment, hospitality, transportation, and healthcare environments.
