From 1st July 2025, ATM circuit will inaugurate a new course with the introduction of Revised ratesSet to redefine the dynamics of electronic payments in Italy. The price list, which has been updated after more than two years, has already been communicated to banks and intermediaries, drawing the attention and expectations of professionals. But let’s see what the changes are and what the consequences will be for the users.
Prices are calibrated for each purchase.
The real innovation is in one’s introduction. The fee structure is proportional to the transaction value.. Eating breakfast at a bar will result in lower costs than purchasing luxury items. This approach is intended to support Low margin traderswhile generating more substantial revenue for high-end purchases. The strategy also includes integration with advanced digital services such as Apple Pay and Amazon, with the aim of making the circuit globally competitive.
In addition, the new model provides a Greater focus on the needs of small businessesSeeking to minimize the economic impact on local businesses. This approach could represent an incentive for digitization even in regions underserved by electronic payments.
Corporate changes that evolve.
With the entry of FSI FundBancomet, the main shareholder now with 44 per cent capital, has accepted one. A more dynamic and business model. No longer a simple support company for banks, but an actor willing to invest in international expansion and emerging technologies. This change of pace came in 2024 with the appointment of a new board of directors and a strategy aimed at strengthening the presence in Europe.
ATM Handles 29.1 million cards. And closed 2023 with a turnover of 52.5 million euros, recording an increase of 8.3% compared to the previous year. Contactless transactions have now crossed 73 percent of the total, reflecting the changing habits among consumers. However, ATM withdrawals continued to decline, with a decline of 5%, reaching 476 million operations.
Dissatisfaction with respect to payments
The new tariff list has created some tension among operators in the sector. While ATM fees tend to be lower than major institutions like Visa and MasterCard, the impact on banks and intermediaries is negligible. The latter must decide whether to absorb the costs or (in all likelihood) Transfer them to merchants.. This situation may lead some merchants to reduce the use of electronic payments, especially for small value transactions, a process already widely used everywhere.
The biggest concern is the possible backlash from smaller vendors, who may prefer it. Back to cash To avoid further reducing its already low margins.
Effects on consumers
While the fee increase is not expected to directly affect consumers, there is a risk that merchants, who already accept small cards Reluctant to accept payments, can adopt. More restrictive policies.
It can Further slow the spread of digital payments. In those sectors where cash prevails. However, Bancomat is betting on its ability to offer a more flexible and efficient system, able to meet the needs of a rapidly developing market.
