That ATMs Setup which are, owned and operated by non-banks are called white label ATMs and are authorized under the Payment and Settlement Systems Act, 2007, by the RBI. Using these ATMs is similar to using an ATM of a bank other than the bank where you have your account. Currently there are eight white label operators in the country — AGS Transact Technologies, BTI Payments, Hitachi Payment Services, Muthoot Finance, RiddiSiddhi Bullions, SREI Infrastructure Finance, Tata Communications Payment Solutions, and Vakrangee. While debit card issuance increased rapidly in the last few years, the number of ATMs has not increased commensurately, creating a challenging situation for banks and inconvenience to customers