COadmPin4 – Pin4 Cash

Pin4 and PaaL Partner to Provide Enhanced Disaster and Humanitarian Financial Aid Disbursals

COadmPin4 — Tue, 04 Nov 2025 15:43:34 +0000

Pin4 and Payments as a Lifeline (PaaLPay.org) have partnered to achieve the shared goal of delivering disaster and aid funds to individuals in need – fast, secure with dignity.

Pin4 is a global technology company enabling national and local government entities, charities, non-profits and other relief organisations to deliver cash securely and instantly to those in need via their mobile phones. There is no faster or more convenient way to deliver aid to individuals in need, with approximately 30% of recipients having their cash in hand within 1 hour and 70% having their cash in hand within 24 hours after Pin4 receives the order request. Providing aid recipients with cash also maximizes the recipients’ dignity and allows the recipients to conveniently and efficiently pay for their most pressing needs, whether these are food, clothing, electricity, shelter, transportation to a safe place or another need. The relief recipients can withdraw their cash in real-time at any participating ATM using just their mobile phones without the need to have or use any bank account or plastic card. The government or relief organization maintains real-time visibility and control regarding the status of all withdrawals. Pin4 is convenient – enabled on approximately 50,000 ATMs worldwide, including over 28,000 ATMs across the U.S.

PaaL is a non-profit coalition of financial services companies dedicated to delivering humanitarian financial aid and disaster funds to those in need. Pin4 joins PaaL’s unique network of payments companies, charities, foundations and government entities working together to transform the humanitarian financial aid industry. PaaL’s active network enables the delivery of funds into the hands of survivors – safe, secure, with dignity, and within hours/days vs. weeks.
“We literally have relief recipients who don’t have any money standing by the ATM waiting for their order to be issued.” says Jim Leroux, President of Pin4. “The incredible speed with which our relief recipients withdraw and use their cash for their most pressing needs shows the extent to which relief recipients can benefit from a payment solution that is instant, dignified and cash-based.”

“Pin4 is a welcome addition to the PaaL coalition.” says Kirsten Trusko, Co-Founder of PaaL. “Pin4 adds a key benefit to disaster and aid organizations – near immediate access to cash. All PaaL Members’ card/ecard/QR PaaL member solutions assure funds are delivered with equity – including to the Underbanked who too often need the funds most and receive them last…”

Pin4 is actively supporting financial relief efforts in the U.K. and Spain and currently supports approximately 50 local councils, charities and other relief organisations, including providing funds for Ukrainian refugees, financial relief for the needy in Spain through Caritas Espanola and various cost of living, energy support and other grant payments in the U.K. Pin4 and PaaL are looking forward to building on these successful programs and expanding this support to humanitarian financial aid organizations and programs across the U.S.

More information about PaaL is available at www.paalpay.org and about Pin4 at www.pin4.com.

Empowering Disaster Survivors: Introducing Cardless Mobile ATMs

COadmPin4 — Tue, 04 Nov 2025 14:34:36 +0000

How the payments community can more effectively help those in need when disaster strikes using existing technologies and infrastructure.
– By Jim Leroux, President, Pin4

During and after a disaster, one of the most pressing challenges for survivors is how to pay for essentials such as food, water, shelter, clothing and transportation. Disasters can take out infrastructure making it impossible to use traditional electronic payments such as credit and bank cards, exacerbating an already dire situation. Also, the most severely impacted survivors are likely to be unbanked, underbanked or otherwise disadvantaged individuals who may be excluded from mainstream financial services. In these situations, truly “cash is king” as it enables survivors to pay for essentials even when other types of payments are not available. However, the question arises of how to securely and efficiently get cash in the hands of these survivors. The answer is cardless mobile ATMs, which can provide a cash lifeline to those in need.

*Important: Cardless ATM cash is already available in the U.S. and other countries. Millions of cardless ATM cash disbursements are made each year, including financial assistance payments to those in need. This article explores the specific use of portable mobile ATMs (such as those used today for festivals and other events) with existing cardless ATM capabilities to respond to disasters and other emergencies.

Portability

Cardless mobile ATMs are an innovative response to the critical issue of distributing cash to disaster survivors. These ATMs are small and light enough to be transported directly to the site of the disaster and can be placed in or near the emergency response centers or in other areas convenient to the survivors. These ATMs can then operate independent of the normal power and mobile phone grids, relying on generators or batteries for power and portable cellular and satellite resources for connectivity.

Ease of Use

One of the key advantages of cardless mobile ATMs is their ease of use. The cardless cash process is simple so that the withdrawal can be done by any survivor, regardless of their familiarity with ATMs or payment cards. The survivor does not need to have or use any plastic card or bank account and only needs to follow the clear prompts on the ATM screen.

The solution is also easy for aid organizations to use. Orders can be securely and efficiently submitted by aid workers on site at the emergency or remotely from the organization’s offices, in each case using tablets, laptops or other devices.

Security and Accountability

Each order is secured by unique credentials the survivor enters into the ATM to authorize the withdrawal. These credentials are generated by the cardless ATM system when the aid organization submits the order request. These credentials can be transmitted to the survivor’s mobile phone via text message or communicated directly by the aid organization if the survivor does not have or has lost their mobile phone.

For the aid organization, using a cardless ATM solution enables real-time issuance, tracking and reporting of relief payments and avoids the need to manage and secure physical cash. This provides the aid organization with full transparency and accountability and also ensures the financial assistance reaches those who need it most.

Driving Inclusive Disaster Recovery

In times of crisis, financial inclusion becomes even more crucial. Cardless mobile ATMs promote the recovery of vulnerable communities and individuals, including those excluded from traditional financial services. By offering cash aid directly to survivors, the survivors are empowered to use the funds according to their own unique needs, fostering a sense of hope, dignity and independence during challenging times

Versatility in Deployment

The flexibility of cardless mobile ATMs makes them suitable for a wide range of disaster scenarios. Whether it’s a hurricane, wildfire, flood or other calamity, these ATMs can be swiftly deployed to provide cash aid where it’s needed the most, even if the area is rural or remote.

Collaborative Efforts for a Resilient Future

As we continue to grapple with the impact of disasters, collaboration between participants is absolutely critical. Governments, NGOs, non-profits, foundations, insurers and payments companies must work together to develop enhanced ways of delivering aid to those in crisis. To rapidly deploy cardless mobile ATMs when disaster strikes, it is important to prepare in advance and even run a few small “pilots.” In this way, the participants can “pre-position” the necessary resources and be ready to act rapidly when the disaster strikes.

When done properly, aid can then be delivered to survivors within minutes instead of days, weeks or longer. In summary, cardless mobile ATMs offer aid organizations a unique and compelling way to assist disaster survivors. These ATMs offer a secure, efficient and flexible way to rapidly get cash in the hands of individuals in crisis.

*Pin4 (pin4.com) is the largest global provider of cardless ATM cash solutions, currently operating in the U.S. and Europe. Pin4 is also a member of PaaL (Payments as a Lifeline), a non-profit coalition of financial services companies dedicated to delivering humanitarian financial aid and disaster funds to those in need.

PaaL Report on providing cash financial assistance using Pin4 Cash instant ATM payouts

COadmPin4 — Sat, 01 Nov 2025 12:04:52 +0000

Pin4 enables instant ATM payouts to individuals in need for approximately 50 relief organizations across the U.K. and Spain, including Ukrainian refugee and Caritas Espanola financial support.

Many beneficiaries are in critical need of immediate financial assistance for themselves and their families, resulting in nearly 70% of orders withdrawn in the first 24 hours.

Many beneficiaries have more than just one pressing need and allocate their financial assistance as necessary to address these needs.

Learnings include:

Pre-Positioning – Because the relief organizations have been set up on the Pin4 system in advance, they are able to respond immediately to individuals in need.
Speed of Delivery – Being able to rapidly provide cash-in-hand is critical to assisting those in need.
Flexibility/Dignity/Independence – Because many individuals have more than one pressing need, financial assistance should be flexible enough to enable the beneficiary to choose which of their most pressing needs to address.

Hurricane season could turn ‘hyperactive’ amid unprecedented conditions, new outlook warns – USA Today

COadmPin4 — Sat, 01 Nov 2025 12:04:37 +0000

The Colorado State University team now predicts 18 named storms this season, of which nine will be hurricanes. Four are expected to be major hurricanes with sustained winds of 111 mph or greater.

With over 3,000* participating ATMs in Florida and the surrounding SE states, Pin4 and its partners can assist relief organizations by providing instant emergency cash to impacted individuals before, during and after the storm.

* Active number of pre-positioned ATM’s available for assistance

Pin4 and PaaL Partner to Provide Enhanced Disaster and Humanitarian Financial Aid Disbursals

COadmPin4 — Sat, 01 Nov 2025 12:04:06 +0000

Pin4 and Payments as a Lifeline (PaaLPay.org) have partnered to achieve the shared goal of delivering disaster and aid funds to individuals in need – fast, secure with dignity.

More information about PaaL is available at www.paalpay.org and about Pin4 at www.pin4.com.