About the brand
Hitachi Payment Services Franchise
Franchise Quick Facts
| Brand Name | Hitachi Payment Services |
|---|---|
| Industry / Business Category | Payment Solution Services / White Label ATM & POS Services |
| Founded Year | 2005 |
| Franchise Started Year | 2017 |
| Total Franchise Outlets | 1,000–10,000 |
| Estimated Investment | INR 2 Lakh – 5 Lakh |
| Franchise Fee | INR 1,60,000 |
| Royalty Fee | Not specified; may include service or transaction-based fees |
| Space Requirement | 50–120 Sq.ft |
| Staff Requirement | Minimal; primarily for ATM operation and maintenance supervision |
| Expected Payback Period | 10–11 months |
1. What is Hitachi Payment Services?
Hitachi Payment Services is a non-bank payment solutions provider licensed by the Reserve Bank of India to deploy White Label ATMs (WLAs) under the brand Hitachi Money Spot. The company also manages ATMs, CRMs, and POS devices across Tier 3–Tier 6 towns. The franchise opportunity falls within the broader financial services and payments infrastructure category, serving semi-urban and rural banking markets.
2. How the Business Works
Franchisees provide access to banking and payment services through Hitachi Money Spot ATMs or CRMs. Customers interact via self-service kiosks for cash withdrawal, deposit, and other banking transactions. Revenue is generated through transaction fees, service commissions, and operational management of devices. Daily operations involve ensuring machine uptime, routine maintenance, and monitoring cash replenishment schedules.
3. Products or Services Offered
| White Label ATMs (WLAs) | Self-service ATMs in semi-urban and rural locations |
|---|---|
| Cash Recycling Machines (CRMs) | Automated cash deposit and withdrawal services |
| POS Devices | Managed point-of-sale terminals for merchant payments |
| Financial Transaction Support | Banking access through interoperable platforms |
| Master Franchise Opportunities | Franchisee onboarding and management for regional networks |
4. How the Franchise Model Works
Franchise partners operate individual ATMs or CRMs under Hitachi Money Spot branding. Responsibilities include:
- Daily operation and monitoring of assigned ATMs or CRMs
- Ensuring electrical and site requirements are met
- Collaborating with Hitachi Payment Services for cash management and technical support
- For Master Franchisees: recruiting, training, and managing sub-franchisees in designated regions
The franchisor provides branding, technical support, and operational guidelines to ensure uniform service quality.
5. Franchise Cost and Investment Overview
| Estimated Investment | INR 2–5 Lakh covering ATM setup, space modifications, and initial operational costs |
|---|---|
| Franchise Fee | INR 1,60,000 |
| Setup Components | ATM/CRM installation, signage, VSAT equipment, minimal electrical infrastructure |
| Royalty / Ongoing Fees | Not specified; often includes transaction-linked commissions |
The investment is structured to cover infrastructure setup and initial operational readiness.
6. Space and Infrastructure Requirements
| Space Requirement | 50–120 Sq.ft for ATM or CRM installation |
|---|---|
| Shop-in-shop Option | 6 ft. × 6 ft., Full Shop Option: 8 ft. × 10 ft. |
| Signage Requirements | Wall signage 8 ft. × 3 ft., optional lollipop 2 ft. × 2 ft. |
| VSAT Space | 6 ft. × 6 ft. on roof |
| Electrical Requirement | Single phase, minimum 1 KVA |
Franchisees must ensure secure and accessible locations with reliable electrical supply.
7. Training and Franchise Support
Franchisees receive:
- Technical guidance for ATM/CRM installation and maintenance
- Operational training to manage daily transactions
- Branding and site signage specifications
- Master Franchisees receive additional support for sub-franchisee management
- Ongoing assistance for cash management, troubleshooting, and regulatory compliance
8. Revenue Model and ROI Factors
Revenue streams include:
- Transaction-based commissions from ATM and CRM operations
- POS device management fees
- Master Franchise revenue through sub-franchisee operations
Payback typically occurs within 10–11 months, depending on transaction volume, device uptime, and location footfall.
9. Brand History and Expansion
| Established Year | 2005 |
|---|---|
| Franchise Started | 2017 |
| Number of Franchise Outlets | 1,000–10,000 |
| Geographic Focus | Tier 3–Tier 6 towns across India |
| Expansion Strategy | Deploy more White Label ATMs and POS devices to expand semi-urban and rural banking coverage |
10. What Makes This Franchise Different
This franchise targets underbanked regions, combining RBI-licensed white label ATM services with POS infrastructure. Unlike general financial franchises, it focuses on semi-urban and rural markets, integrating technology with banking access, making it both socially impactful and commercially scalable.
11. Key Advantages of the Franchise
- Access to a licensed RBI White Label ATM network
- Established brand with 9,700+ ATMs and 2 million POS devices
- Support for Master Franchise opportunities to manage sub-networks
- Low staffing and operational requirements
- High demand in semi-urban and rural financial access markets
12. Who Should Consider This Franchise
- Entrepreneurs seeking low-footfall, semi-urban revenue streams
- Investors interested in payment infrastructure and fintech operations
- Individuals capable of overseeing device operations and basic cash management
- Master Franchise prospects aiming to build regional networks
Similar Franchise Opportunities
- Oxigen Services – Payment and banking infrastructure solutions
- Fino Payments Bank ATM & POS Network – Semi-urban banking access
- PayNearby – Financial services distribution for underserved regions
- Tata Communications Payment Solutions – POS and banking technology franchises
- ItzCash (Now PayMatrix) – White label ATM and payment services
These operate in the financial access and payments franchise sector, providing similar business models for entrepreneurs and investors.
Investment and financials
Investor fit profile
Franchise support
Brand strength
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Licences and compliance
Frequently asked questions
Initial investment ranges between INR 2 Lakh – 5 Lakh, covering ATM/CRM setup, signage, VSAT, and minimal operational infrastructure.
Franchisees operate white label ATMs, CRMs, or POS devices, generating revenue through transaction commissions. Master Franchisees manage sub-franchisees in their territory.
Required area ranges from 50–120 Sq.ft depending on ATM or CRM type, with additional space for signage and VSAT placement.
Typical payback is 10–11 months, influenced by transaction volume, location traffic, and uptime.
Prospective franchisees or master franchisees must contact Hitachi Payment Services to initiate application, site assessment, and agreement formalities. ## Similar Franchise Opportunities
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