Split First ATM marks two decades of success, while Split POS builds on that legacy with a next-generation platform empowering merchants and agents with customized, trusted payment solutions.
The Power of Relationships: How Split First ATM Built Two Decades of Trust — and How Split POS Carries That Legacy Forward.
In 2005, Akram Othman and Ymad Elabed stood at the precipice of a financial revolution. Both driven by a passion to streamline payment solutions for businesses, they founded Split First ATM from their base in Tampa, Florida. Years later, building on that foundation, the company launched Split POS — a next-generation platform that has become a centerpiece of their growth. Today, Split First ATM and Split POS together handle nearly $2 billion annually, cementing their reputation as trusted leaders in U.S. payment processing for both merchants and agents nationwide.
However, the journey to being recognized by Best of Best Review as the ‘Best Payment Processing Company in the U.S. for 2025’ didn’t come easy. It was built not just on numbers but on relationships—ones with their merchants, agents, and employees. Through resilience, innovation, and a relentless focus on mutual success, Split POS and Split First ATM have empowered thousands of businesses nationwide, crafting solutions that cater to every unique need.
The Birth of a Payment Solution Giant
When Othman and Elabed first came together to create Split First ATM, they understood that the payments industry was ripe for disruption. In an era where solutions often came in one-size-fits-all packages, they saw an opportunity to personalize payment services. Whether merchants needed credit card processing, ATM services, or specialized programs like dual pricing and cash discounting, Split First ATM became known for providing tailored solutions. Years later, that foundation gave rise to Split POS — the company’s next-generation platform for advanced POS systems and digital-first payments.
From day one, their approach was clear: solve problems in a way that best suits the business. This customer-centric ethos has been a driving force in their success. But it wasn’t just about providing the best services—it was about building trust and helping entrepreneurs thrive.
“We’ve spent two decades building trust the old-fashioned way — through results, referrals, and relationships. That foundation is exactly what allows our agents and merchants to thrive with us today,” said Hasan Ali… “Now, we’re ready to show the world the payments power player we’ve become.”
Breaking Through Challenges
For Split First ATM, and later Split POS, growth didn’t come by accident. They faced significant obstacles in a highly competitive industry — one dominated by billion-dollar corporations. Yet, the company stood firm on its core belief: the path to success lies in helping others succeed.
A pivotal moment came when the company focused on providing agents with more than just the opportunity to sell products. Split First ATM first focused on building trust with merchants, and over time the company expanded to create a platform for agents — offering training, resources, and ongoing support to help them build sustainable, long-term businesses. This empowered a new generation of entrepreneurs in the payments space, many of whom are still with the company today, growing their own portfolios.
As the company expanded its reach across the U.S., it developed strong relationships with major processors, making them uniquely positioned to offer customized solutions to a range of clients, from small retailers to large enterprises. Their approach to flexibility and adaptability became their signature. For Split First ATM and, later, Split POS, innovation wasn’t just about keeping up with industry trends; it was about staying ahead of them.
Embracing Entrepreneurship
One of the company’s greatest successes has been fostering entrepreneurship in a space traditionally dominated by large corporations. Independent agents nationwide have launched businesses with Split First ATM’s guidance — and today many rely on Split POS as the next-generation platform powering their growth. These agents are not just part of a sales network—they are entrepreneurs in their own right, building businesses that provide them with long-term residual income.
The model benefits everyone involved: merchants save money on transaction fees, agents earn commissions while growing their businesses, and the company itself continues to expand. The focus on sustainable, mutually beneficial growth has positioned Split POS and Split First ATM as true partners to both merchants and agents.
“Every agent we work with gets the opportunity to build something for themselves. It’s a win-win: they grow their business, and our company thrives as a result,” said Ali.
Driving Innovation While Staying True to Values
What truly sets Split POS and Split First ATM apart in a crowded marketplace is their commitment to driving innovation while staying grounded in their core values. The company was an early champion among ISOs of dual pricing programs, which allowed businesses to pass on credit card processing fees to customers, giving merchants a proven way to lower costs.
Beyond technology, however, Split POS and Split First ATM’s dedication to relationship-building has played a central role in their success. They have steadily grown through word-of-mouth referrals, as opposed to relying heavily on paid advertising or flashy marketing campaigns. This organic growth speaks volumes about the company’s reputation and the trust it has built with clients and agents alike.
Celebrating 20 Years and Looking Toward the Future
As Split First ATM marks its 20th anniversary — and Split POS continues to scale as the company’s next-generation platform — the organization is more poised than ever to continue its growth trajectory. With nearly $2 billion annually across card processing and ATM withdrawals, and a nationwide client base, the company is entering its third decade with a renewed focus on innovation and customer service. Split First ATM and Split POS were recognized by Best of Best Review as the Best Payment Processing Company in the U.S. for 2025, a testament to their consistent drive to innovate and serve their customers.
The future of payments belongs to providers who deliver lower costs, smarter technology, and flexible solutions for businesses of all sizes. Split First ATM and Split POS are well-positioned to lead that charge. They understand that for merchants to succeed, they need to lower their operational costs and streamline payment processes, and that’s exactly what the company delivers.
“We’ve always believed in creating the best possible solutions for our clients, and that will remain our focus as we continue to evolve,” said Othman.
Empowering Growth and Financial Independence
As Split First ATM — with Split POS as its next-generation platform — forges ahead, they continue to emphasize the importance of agent empowerment. By offering financial independence through customizable business opportunities, they not only support entrepreneurs but also help them build wealth through long-term, passive income streams. This vision of growth and opportunity is at the heart of everything the company does.
For the next generation of entrepreneurs and businesses looking for customized payment solutions, Split First ATM and Split POS are trusted partners. With over 20 years of experience through Split First ATM, and the advanced technology of Split POS, a legacy of innovation, and a commitment to helping clients succeed, they are ready for what the future holds.
Want to learn more about how Split POS and Split First ATM can help your business thrive? Explore their services and discover how their tailored payment solutions can empower you and your business to succeed. Visit their website or connect with their team today.
About Split POS and Split First ATM:
Split First ATM and Split POS, based in Tampa, Florida, are leaders in payment processing, POS systems, ATM services, and dual pricing/cash discount programs. Split First ATM has over 20 years of industry experience, while Split POS is the company’s next-generation platform. Together, they handle nearly $2 billion annually across card processing and ATM withdrawals. The companies serve thousands of merchants nationwide while supporting a network of independent agents, providing solutions that reduce costs, streamline operations, and create long-term growth opportunities.
Connect with Split POS and Split First ATM:
Website: www.splitfirstatm.com
Website: www.splitpos.com
Instagram: @PaymentProcessor | @splitfirstatm
