Cash Pick-Up enables businesses, governments and other organizations to instantly deliver cash to Recipients via their mobile devices. No card or bank account required.

The Recipient receives a text message with a simple pin code that can be input by the Recipient at any enabled ATM to obtain the cash – without the use of any Recipient card or bank account.

How Cash Pick-Up Works.

Sender Identifies Recipient and Amount to a certified Cash Pick-Up Partner

Recipient receives a text message (and a secret code sent separately by sender)

Recipient goes to the nearest participating ATM in the network

Recipient uses the order credentials to withdraw cash (no debit card or bank account required)

The Solution

Cash Pick-Up enables the instant sending of cash to Recipients via their mobile devices and supports many different use cases, including:

Disaster / Financial Relief

Cash Pick-Up is the fastest and most efficient way for government entities, disaster/financial relief organizations, charities, insurance carriers and other organizations to get funds to those in need.


Airlines can provide immediate cash to compensate and support passengers impacted by flight delays, flight cancellations, lost baggage and other travel issues.


Cash Pick-Up enables digital account providers such as challenger banks, online gaming operators, currency exchanges and mobile operators to offer their customers instant cash withdrawals without the need for a card.


Cash Pick-Up is the newest, most innovative solution to reward and engage your customers.

P2P Transfers

Cash Pick-Up is the fastest, most convenient way for a sender to deliver a domestic or cross-border P2P transfer.

The Technology

Pin4 provides an end-to-end solution including:

  • PCI Certification
  • Order entry APIs
  • ATM connectivity/disbursement authorization
  • Robust order management and reporting platform
  • Global multicurrency platform

Proprietary technology platform

Operating in Europe for over ten years
Successfully disbursed millions of cardless cash transactions representing Billions of Euros

Pin4  developed and launched Cash Pick-Up™ as a new and innovative cardless cash solution.


About Pin4

At Pin4, we believe there are many circumstances where, and many individuals for whom, cash is still “king.” Our mission is to enable fast and efficient cash disbursements and cash access leveraging consumer’s mobile phones and the existing global network of over 3.5 million ATMs.

Whether we are disbursing cash for disaster or financial relief, digital account withdrawals, consumer incentives, remittances or another purpose, Pin4 can support this as a real-time digital, mobile, cardless ATM withdrawal.

Pin4 is available on over 50,000 ATMs across the U.S. (under the brand Cash Pick-Up), the U.K. (under the brand Pin4 Cash) and Spain (under the brand HalCash) and disburses millions of transactions each year representing hundreds of millions of dollars. Pin4 is also in the process of expanding into new countries and regions.