Requirements for ATM Receipts Initiative

---

[Saudi Central Bank]
[SAUDI CENTRAL BANK]

Reference: 43067037
Date: 1443/08/03
Attachments: 12 pages

Circular

Dear Sirs,
Peace, mercy, and blessings of God be upon you, Subject: Standardization of ATM Receipt Standards.

Based on the authorities vested in the Saudi Central Bank under its system issued by Royal Decree No. (M/36) dated 11/4/1442 AH, and the Banking Control System issued by Royal Decree No. (M/5) dated 22/2/1386 AH, and referring to the ATM Service Level Agreement (Second Edition) issued under SAMA Circular No. (41932/227) dated 15/3/1441 AH, and continuing the efforts made to develop the Kingdom's payment infrastructure systems.

Attached is the ATM Receipts Initiative issued by Saudi Payments, which banks must implement on ATMs. The initiative aims to reduce customers' requests for paper receipts in ATM transactions by standardizing screen workflows across all devices to ensure the following:

• Preserving the environment and public appearance.
• Unifying the user experience across all ATMs.
• Emphasizing data privacy protection for cardholders.
• Reducing costs for service providers.

Accordingly, the Saudi Central Bank emphasizes that all banks and financial institutions operating in the Kingdom and members of the Saudi Payments network must comply with the attached initiative. Coordination on this matter can be made with Saudi Payments specialists via email (onboarding@saudipayments.com).

For information and implementation effective from 2022/6/30.
Yours sincerely,

Fahd bin Ibrahim Al-Shathri
Deputy Governor for Supervision
On behalf of / Ziyad bin Bandar Al-Yousef
Deputy Governor for Development and Technology

Distribution Scope:

• Banks and financial institutions operating in the Kingdom.
• Saudi Payments.

P.O. Box 2992, Riyadh 11169, Kingdom of Saudi Arabia. Phone: +966 11 463 3000

---

[SAUDI PAYMENTS]

Requirements for ATM Receipts Initiative

November 2021

---

Table of Contents

1. INTRODUCTION 3
   1.1 PURPOSE OF DOCUMENT 3
   1.2 SCOPE OF DOCUMENT 3
   1.3 AUDIENCE OF DOCUMENT 3
2. OVERVIEW 4
3. NEW ATM SCREEN WORKFLOWS 5
   3.1 CASH WITHDRAWAL TRANSACTION STREAM 5
   3.2 NON-CASH TRANSACTIONS STREAM 6
4. APPENDIX 7
   4.1 WORKFLOWS FOR CASH WITHDRAWAL TRANSACTIONS STREAM 7
   4.1.1 WORKFLOW FOR CASH WITHDRAWAL (WITHOUT RECEIPT) 7
   4.1.2 WORKFLOW FOR CASH WITHDRAWAL WITH RECEIPT 8
   4.2 WORKFLOWS FOR NON-CASH TRANSACTIONS STREAM 10
   4.2.1 WORKFLOW FOR BALANCE ENQUIRY 10
   4.2.2 WORKFLOW FOR MINI STATEMENT 11
   4.2.3 WORKFLOW FOR CASH DEPOSIT 12

---

1. Introduction

In line with SAMA’s and Saudi Payments’ vision to make continuous improvements in payment infrastructure of the Kingdom, ATM Receipts initiative aims to minimize Cardholders’ dependency on paper receipts for ATM transactions.

The sole objectives of this initiative are to:

• Enable cost efficiency for Acquirers
• Maximize customer data privacy and protection
• Save environment and go green!

1.1 Purpose of Document

The purpose of this document is to assign rules and requirements related to ATM Receipts to external stakeholders who play significant roles in the success of this change. This document is intended to govern the responsibilities of mada Members from multiple aspects for the purpose of ensuring the quality of the solution.

1.2 Scope of Document

This document covers the rules and requirements for ATM Receipts initiative. It also contains detailed workflows of the new enhancements on ATM screens. This document, however, does not contain certification procedures nor terms and conditions.

1.3 Audience of Document

The intended audience of this document is mada Members who are familiar with the basic guidelines of ATM functionalities, and who must comply with these rules at all times.

---

2. Overview

ATM Receipts is an enhancement initiative that drives the market to minimize dependency on receipts for the four (4) most commonly performed transactions on ATMs.

This initiative focusses on improving and unifying the screen workflow across all ATMs (off-us and on-us) in an attempt to unify user experience and reduce demand on receipts as a result. However, paper receipts shall still be available and provided to Cardholders whenever requested.

Currently, the Home page on ATMs –after inserting the card and entering the PIN– displays the four major transactions (Cash Withdrawal, Balance Inquiry, Mini Statement, and Cash Deposit if available). As part of this initiative, the Home page will be limited to whatever is available of those four transactions and must be fixed and unified across all ATMs (including on-us and off-us). In addition to the four transactions, the Home page also provides an ‘Others’ option which opens up to any other transaction(s) and/or service(s) (i.e. PIN Change, Transfer...etc.).

The new enhancement on ATM screen flow runs into two streams: (1) Cash Withdrawal transaction stream, and (2) Non-cash transactions stream. Each of which has its own mechanism to achieve the same goal of receipt reduction.

*Non-cash transactions include (1) Balance Enquiry, (2) Mini Statement, and (3) Cash Deposit –which is currently available for on-us only.

---

3. New ATM Screen Workflows

3.1 Cash Withdrawal Transaction Stream

Since Cash Withdrawal is the top transaction in terms of initiation and receipt requests, there will be two separate transactions for Cash Withdrawal:
(1) The first transaction is “Cash Withdrawal” which is presented within the Home page on the ATM. This transaction should not provide a receipt upon completion. (2) The second transaction is “Cash Withdrawal with Receipt” which will be added inside the ‘Others’ page from the Home page. This transaction should provide a receipt upon completion.

More importantly, after choosing either of the two transactions, if Cardholder selects one of the listed amounts on the screen, card and cash should be collected immediately and without displaying the account balance. However, in case Cardholder chooses “Another amount” and manually enters the amount, an option to “Confirm and Display Balance” will be given to the Cardholder in addition to the default option(s). The new workflow for Cash Withdrawal transactions will be as follows:

[Diagram showing: Insert card -> Enter PIN -> Select transaction (Cash Withdrawal / Others: Cash Withdrawal with Receipt) -> Select amount (50, 100, 500, 1000, Another amount, 5000) -> Collect card (balance is not displayed) / Collect cash (with receipt if chosen) / Enter amount (SAR) -> Confirm / Adjust / Confirm and Display Balance -> Your new balance is (SAR) / Please collect your card]

*Select transaction: This screen does not provide full content, as it is an illustration for the purpose of describing the stream only. *Select amount: This screen does not provide accurate content. Amounts may vary.

A detailed workflow for the Cash Withdrawal transactions stream can be found in the Appendix.

---

3.2 Non-cash Transactions Stream

As mentioned earlier, non-cash transactions include Balance Enquiry, Mini Statement, and Cash Deposit.
There will be two changes (or additions) to enhance the screen flow and reduce receipt demand for this stream:

First, upon choosing Balance Enquiry or Mini Statement, the account balance or mini statement, respectively, will be shown on the screen. And upon choosing Cash Deposit, the deposited amount as well as the new balance will be shown on the screen.

Second, at the end of either of the three transactions, a receipt will not be automatically printed. However, an option to “collect a receipt and exit” will be given to the Cardholder in addition to the default option(s) – if chosen, the process should be ended and the card should be collected along with the receipt.

The new workflow for the non-cash transactions will be as follows:

[Diagram showing: Insert card -> Enter PIN -> Select transaction (Balance Enquiry, Mini Statement, Cash Deposit) -> Your balance/statement/deposit amount is -> Would you like another transaction? (Yes / No / Would like to collect a receipt and exit) -> Collect card (with receipt if chosen)]

*Select transaction: This screen does not provide full content, as it is an illustration for the purpose of describing the stream only.

A detailed workflow for the non-cash transactions stream can be found in the Appendix.

---

4. Appendix

4.1 Workflows for Cash Withdrawal Transactions Stream

4.1.1 Workflow for Cash Withdrawal (without receipt)

Please insert your card
Please enter your PIN
Please select a transaction

• Cash Withdrawal
• Cash Deposit (if available)
• Balance Enquiry
• Mini Statement
• Others

This screen should be limited to these four transactions, along with “Others” option. Any additional transaction or service must be added in the “Others” page.

Please select an amount

• 50 | 100
• 500 | 1000
• 5000 | Other

1. If cardholder selects an amount, card and cash must be collected without displaying balance.
2. This diagram is for illustration purposes. Amounts in reality may vary.

Please enter an amount
SAR ______

• Confirm
• Adjust
• Confirm and Display Balance

If cardholder chooses “Adjust”, amount should be emptied to be entered again.

---

• Confirm
  Thank you
  Please collect your card

• Confirm and Display Balance
  Thank you
  Your new balance is
  SAR ______
  Please collect your card

4.1.2 Workflow for Cash Withdrawal with Receipt

Please insert your card
Please enter your PIN
Please select a transaction

• Cash Withdrawal
• Cash Deposit (if available)
• Balance Enquiry
• Mini Statement
• Others

This screen should be limited to these four transactions, along with “Others” option. Any additional transaction or service must be added in the “Others” page.

Please select a transaction

• Cash Withdrawal with Receipt
• PIN Change

This screen must include these two transactions as a minimum. More transactions/services may be added.

---

Please select an amount

• 50 | 100
• 500 | 1000
• 5000 | Other

1. If cardholder selects an amount, card and cash must be collected without displaying balance.
2. This diagram is for illustration purposes. Amounts in reality may vary.

Please enter an amount
SAR ______

• Confirm
• Adjust
• Confirm and Display Balance

If cardholder chooses “Adjust”, amount should be emptied to be entered again.

• Confirm
  Thank you
  Please collect your card and receipt

• Confirm and Display Balance
  Thank you
  Your new balance is
  SAR ______
  Please collect your card and receipt

---

4.2 Workflows for Non-cash Transactions Stream

4.2.1 Workflow for Balance Enquiry

Please insert your card
Please enter your PIN
Please select a transaction

• Cash Withdrawal
• Cash Deposit (if available)
• Balance Enquiry
• Mini Statement
• Others

This screen should be limited to these four transactions, along with “Others” option. Any additional transaction or service must be added in the “Others” page.

Your balance is
SAR ______
Would you like another transaction?

• Yes
• No
• Would like to collect a receipt and exit

If cardholder chooses “Yes”, the home page should be displayed as per the normal process.

• No
  Thank you
  Please collect your card

• Would like to collect a receipt and exit
  Thank you
  Please collect your card and receipt

---

4.2.2 Workflow for Mini Statement

Please insert your card
Please enter your PIN
Please select a transaction

• Cash Withdrawal
• Cash Deposit (if available)
• Balance Enquiry
• Mini Statement
• Others

This screen should be limited to these four transactions, along with “Others” option. Any additional transaction or service must be added in the “Others” page.

Your mini statement is
[Lines]
Would you like another transaction?

• Yes
• No
• Would like to collect a receipt and exit

If cardholder chooses “Yes”, the home page should be displayed as per the normal process.

• No
  Thank you
  Please collect your card

• Would like to collect a receipt and exit
  Thank you
  Please collect your card and receipt

---

4.2.3 Workflow for Cash Deposit

Please insert your card
Please enter your PIN
Please select a transaction

• Cash Withdrawal
• Cash Deposit (if available)
• Balance Enquiry
• Mini Statement
• Others

This screen should be limited to these four transactions, along with “Others” option. Any additional transaction or service must be added in the “Others” page.

The deposited amount is
SAR ______
Your new balance is
SAR ______
Would you like another transaction?

• Yes
• No
• Would like to collect a receipt and exit

If cardholder chooses “Yes”, the home page should be displayed as per the normal process.

• No
  Thank you
  Please collect your card

• Would like to collect a receipt and exit
  Thank you
  Please collect your card and receipt

---