Payment Alliance International

Financial Services90% confidence

Payment Alliance International (PAI) is an independent ATM deployer and payment processor that operates and services ATMs in retail and other locations across the United States.

Louisville, KY
gopai.com
Owned by The Brink’s Company

About Payment Alliance International

Payment Alliance International (PAI) is one of the largest independent ATM deployers in the United States, managing and processing cash machines placed in convenience stores, small retailers, gas stations, and other public locations. When you see “PAI ATM” on a transaction description, it typically refers to an ATM owned or operated by PAI on behalf of a business where the machine is physically located.

A charge with a description like “WITHDRAWAL AT ATM #424483 PAI ATM … MERCHANT CATEGORY CODE: 6011” indicates that you used a PAI-operated ATM to withdraw cash. The total amount on your statement may include both the cash withdrawn and any ATM surcharge fee, and your own bank may add an additional out-of-network fee as a separate line item. Sometimes you may see a small pending amount or an authorization before the final withdrawal amount posts.

If you have questions about this charge, first compare the date, time, and location on your statement to when and where you used an ATM. You can usually confirm the operator (PAI) and surcharge amount on the ATM receipt or on-screen disclosure at the time of withdrawal. For disputes, missing cash, or an apparently incorrect amount, contact your own bank or card issuer first—they will initiate an ATM dispute with the processor. If needed, you can also reference information on PAI’s website or the contact details printed on the ATM itself for further follow-up.

Bank Statement Variations

1 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to Payment Alliance International.

  1. WITHDRAWAL AT ATM #424483 PAI ATM LOWDEN LANE BLD COLCHESTER CT MERCHANT CATEGORY CODE: 6011

Frequently Asked Questions

Why does my bank statement show a charge from PAI ATM with Merchant Category Code 6011?

MCC 6011 is the standard code for ATM withdrawals. A description like “PAI ATM” means you used an ATM operated by Payment Alliance International, and the posted amount reflects the cash you withdrew plus any surcharge fee disclosed on the ATM.

Why is the amount from the PAI ATM higher than the cash I took out?

Many PAI-operated ATMs charge a usage surcharge (for example, $2–$4) that is added to your withdrawal amount. For instance, if you withdrew $100 and the ATM surcharge was $3, your statement may show a single $103 charge from PAI ATM, and your bank might also assess a separate out-of-network fee.

Can I get a refund of the PAI ATM surcharge fee?

Surcharge refunds are generally handled by your own bank or card issuer, not directly by PAI. Some banks automatically reimburse ATM fees each month; otherwise, you can contact your bank’s customer service to ask if they will credit the surcharge. If there was a clear ATM error, your bank can open a dispute with the ATM operator.

What should I do if I didn’t receive cash from the PAI ATM but was still charged?

If an ATM failed to dispense cash or dispensed the wrong amount, immediately note the time, location, and any on-screen error message, then contact your bank or card issuer and file an ATM dispute. They will investigate with PAI using the terminal ID (like ATM #424483), date, and time to verify the error and may issue a provisional credit while the case is reviewed.

Why do I see a pending or temporary PAI ATM charge that later disappears or changes amount?

Some ATM transactions may first appear as a pending hold for the requested amount and then finalize with the exact withdrawal plus any surcharge fee. In some cases a failed or reversed transaction may leave a temporary pending entry that drops off after your bank completes its nightly processing.

How can I verify that a PAI ATM charge is legitimate?

Match the transaction date, time, and city (for example, COLCHESTER, CT) with when you used an ATM, and check any receipts you kept. The ATM receipt usually includes a terminal ID that corresponds to the number in the descriptor (such as ATM #424483). If you don’t recognize the transaction, contact your bank immediately to report possible fraud.

Who do I contact if I have a dispute about a PAI ATM transaction?

Start by contacting the customer service number on the back of your debit or credit card—your bank or card issuer must handle ATM disputes on your behalf. Provide them with the transaction details, including the descriptor (“PAI ATM”), amount, date, and location. They will coordinate with PAI and the ATM owner during the investigation.

Are there limits on how much I can withdraw from a PAI ATM in one day?

Yes. PAI ATMs are subject both to the machine’s own limits and to the daily withdrawal limits set by your card-issuing bank. If an attempted withdrawal is declined or partially approved, it is often because you have reached your bank’s daily limit or the ATM’s maximum per-transaction limit.

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