Any cash register can be a Virtual ATM.
People need better access to basic banking services, no matter where they are. SPARE powers a network of retailers that let you withdraw, deposit cash and other basic transactions from your bank, credit unions, digital wallets or any other financial institution.
RETAIL IS THE NEW BANK
One request. Three moving parts. Cash in hand.
SPARE connects a financial institution’s app to a nearby participating retailer, so account holders get access at the register.
1. Request in the app
An account holder requests access through their bank or credit union app and picks a nearby participating retailer.
2. SPARE connects the network
SPARE securely links the app to an available retailer’s POS, similar to how a transfer pings a network.
3. Access at the register
The account holder visits the retailer and completes the transaction at the point of sale. No ATM required.
JOIN OUR NETWORK
Find your path into SPARE.
SPARE connects a financial institution’s app to a nearby participating retailer, so account holders get access at the register.
BANKS
Scale access, cut channel cost.
Deliver banking services through an asset-light retail distribution layer instead of new ATMs and branches.
Explore for Banks →
CREDIT UNIONS
Extend member access locally.
Reach members where they already live and shop, without expanding your physical footprint.
Explore for Credit Unions →
ISO & RESELLERS
Add a new line for your merchants.
Offer your portfolio a recurring revenue stream with no additional hardware and no operational burden.
Explore for ISOs →
RETAILERS
Earn from the cash you handle.
Turn your existing register into a revenue source. No machines to service, no floor space to give up.
Start Earning →
MODEL THE UPSIDE
Explore the earning potential.
Adjust deployment pace, transaction volume, and revenue share to project monthly and cumulative returns from a virtual ATM network.
Activate SPARE through the Clover App Marketplace.
SPARE turns everyday retail locations into points for cash and banking access, with no new hardware and no new branches.
Better coverage, no hardware, no card required.
| Traditional access | Where it breaks | SPARE Virtual ATM |
|---|---|---|
| Dedicated cash machine | Costly to place and service | ✓Runs on the POS already in store |
| Card required | Locks out non-cardholders | ✓Requested from your banking app |
| Fixed locations | Coverage gaps | ✓A dynamic network of retailers |
| Bank branch visit | Limited hours and geography | ✓Access wherever a retailer already is |
| Cash back at checkout | Tied to making a purchase | ✓Cash access is the main event |
| Check cashing storefront | A separate errand, separate fees | ✓Same trip, same register |
Bring SPARE to your network.
Whether you run a financial institution, a retail footprint, or a merchant portfolio, there is a path in.