What this variant means
This registry groups this wording with PAI ISO; check the identity evidence before treating it as the same merchant.
The registry records An independent ATM as a possible interpretation of PAI ISO. This descriptor-to-company association has not passed claim-level evidence review. Compare the exact line, amount and posted status with your own receipt or account activity; the name alone cannot confirm the merchant or whether you authorized the payment.
The notes below are unreviewed registry explanations, not confirmation of merchant identity, authorization or current policy. Claim-level source review is pending for this entry.
Why it shows up like this
Unreviewed registry note: A charge listed as PAI ISO on your bank or credit card statement indicates cash withdrawn from an independent automated teller machine operated through Payment Alliance International. This company provides transaction processing for thousands of non-bank ATMs located inside gas stations, convenience stores, and bars.
Unreviewed registry note: This entry typically appears because the cash withdrawal amount is bundled together with the operator surcharge fee charged by the machine. For instance, withdrawing sixty dollars with a three-dollar surcharge results in a total charge of sixty-three dollars. Because your statement displays the processor name rather than the merchant address, identifying the exact physical location can be challenging.
Don’t recognize it? You might still
- Unreviewed registry note: Bar and gas-station cash withdrawals are exactly the transactions people forget.
- Unreviewed registry note: The amount doesn't match what you took out because the surcharge is folded in.
- Unreviewed registry note: The ATM's location often doesn't appear at all.
What to do, in order
- Subtract a typical fee Unreviewed registry note: Take the charge, subtract $2.50–$4.00, and see if the remainder is a round number — that's the withdrawal you made.
- Match the date to a cash-spending occasion Unreviewed registry note: Nights out are the classic source of forgotten PAI ISO entries.
- Report genuinely unknown withdrawals fast Unreviewed registry note: An ATM withdrawal you didn't make means your card was skimmed or stolen. Lock the card and call the bank's fraud line the same day.
Quick questions
Why is PAI ISO charging me a fee?
Unreviewed registry note: The fee belongs to the ATM operator, not PAI — it's the surcharge you accepted on the machine's screen, bundled into the total.
Is a PAI ISO charge on a day I didn't withdraw cash always fraud?
A registry match cannot establish that you authorized a transaction or that it is safe. Compare the original account records. If you did not authorize a payment, contact your issuer promptly through its official channel.
Frequently asked questions
Is PAI ISO FEE the same as PAI ISO?
The registry groups PAI ISO FEE with PAI ISO, but their shared merchant identity is unconfirmed. Ask your issuer for the merchant or ACH originator details and compare the amount and date with your own records.
The original descriptor
This line is a variant of PAI ISO in this registry. Read the evidence limits in the full entry and confirm the relationship with your issuer.
Independent reference — not affiliated with Payment Alliance International. Billing names and policies change; verify with the merchant or your bank before acting.
Sources and evidence
Sources may support different parts of this page. A company homepage does not establish a statement descriptor, refund policy or contact detail. Check the claim notes and your own receipt before acting.
- Payment Alliance International — official site https://gopai.com
- National ATM Council — PAI member profile https://www.natmc.org
Evidence review pending · pending · About UnknownCharges