Decision Guide

Self-Service vs Staff-Managed COAM Payouts

When implementing HB 353 compliant gift card payouts, you have two main options: self-service kiosks or staff-managed systems. Here's how to choose the right fit for your operation.

Understanding Your Options

Self-Service Kiosk

A standalone touchscreen terminal where players load their own gift cards without staff assistance. Think ATM-style experience.

Players handle everything themselves
Available 24/7, even when staff is busy
Requires dedicated floor space and power

Staff-Managed (Tablet)

Your existing staff uses a tablet or computer to load gift cards for players. Similar to processing a credit card payment.

Staff handles the transaction for players
Personal service, can answer questions
Lower hardware costs, faster setup

Self-Service Kiosk: The Details

Self-service kiosks put players in control. They approach the machine, follow on-screen instructions, and load their card without waiting for staff.

Pros

  • 24/7 Availability

    Players can load cards anytime, even during peak hours when staff is overwhelmed

  • No Staff Training

    Staff only needs to know how to reboot the machine or call support - no transaction training required

  • Faster Transactions

    Average transaction takes 10-15 seconds. No waiting for staff to finish helping another customer

  • Reduced Labor Costs

    Staff can focus on other tasks while the kiosk handles payouts automatically

  • Professional Image

    Modern kiosks signal that you're serious about technology and player experience

Cons

  • Higher Upfront Cost

    $2K-$5K+ per kiosk. Some providers offer leasing or free hardware for high-volume locations

  • Physical Footprint

    Requires dedicated floor space and power outlet. Not ideal for cramped locations

  • Hardware Maintenance

    Touchscreens, printers, and card readers can malfunction. Downtime = lost revenue

  • Less Personal

    Some players (especially older demographics) prefer human interaction and may resist using kiosks

Best For:

  • High-volume locations with 10+ machines and frequent payouts
  • 24/7 operations like convenience stores and gas stations
  • Locations with limited staff or high turnover
  • Operators with budget for upfront hardware investment
  • Tech-savvy player base comfortable with self-service

Staff-Managed: The Details

Staff-managed systems use tablets or computers behind the counter. When a player wins, staff logs in, enters the amount, and loads the card - similar to processing a credit card.

Pros

  • Lower Upfront Cost

    $500-$1K for tablet and accessories, or free from providers like Loop Pay. Much cheaper than kiosks

  • Personal Touch

    Staff can build rapport with players, answer questions, and provide white-glove service

  • No Floor Space Needed

    Tablet stays behind the counter. Perfect for tight spaces

  • Faster Setup

    Can be operational in 1-2 days vs 1-2 weeks for kiosk installation

  • Less Maintenance

    Software-based system with fewer moving parts. Tablets rarely break

Cons

  • Staff Training Required

    Every employee needs training. High turnover means constant retraining

  • Slower During Peak Times

    Players must wait for staff, who may be helping other customers

  • Human Error Risk

    Staff can make mistakes entering amounts. Requires double-checking

  • Limited to Staff Hours

    Players can't cash out when staff is unavailable or busy

Best For:

  • Lower-volume locations with 1-5 machines and infrequent payouts
  • Bars and restaurants with existing attentive staff
  • Tight spaces where a kiosk won't fit
  • Budget-conscious operators who want to minimize upfront costs
  • Older player demographics who prefer human interaction

Which Is Right for You?

Answer these five questions to find your best fit.

Number of Machines

Self-Service

10+ machines

Staff-Managed

1-9 machines

Daily Payout Volume

Self-Service

15+ payouts/day

Staff-Managed

1-14 payouts/day

Staff Availability

Self-Service

Limited or high turnover

Staff-Managed

Dedicated staff always present

Budget for Hardware

Self-Service

$2K-$5K+ per location OK

Staff-Managed

$0-$1K preferred

Location Type

Self-Service

24/7 convenience store, gas station

Staff-Managed

Bar, restaurant, smaller venue

Floor Space

Self-Service

Plenty of room for kiosk

Staff-Managed

Limited space

The Hybrid Approach

You don't have to choose just one! Many operators use both methods:

  • Self-Service as Primary, Staff as Backup

    Kiosk handles most transactions, but staff have a tablet to process payouts when the kiosk is down or players need help

  • Different Systems for Different Locations

    Self-service kiosks at high-volume 24/7 locations, staff tablets at low-volume bars and restaurants

  • Start Staff-Managed, Add Kiosks Later

    Get compliant quickly with tablets, then upgrade to kiosks once you see the volume and ROI

Pro tip: Loop Pay supports both approaches on the same platform. You can mix and match based on what works best for each location.

Common Questions

Can I switch from staff-managed to self-service later?

Yes, absolutely. Many operators start with staff-managed tablets to get compliant quickly, then add kiosks once they understand their volume and can budget for hardware. With Loop Pay, your player data and transactions carry over seamlessly.

Do both methods comply with HB 353?

Yes. HB 353 doesn't specify how gift cards must be loaded - only that payouts must be gift cards (or lottery tickets). Both self-service and staff-managed methods are fully compliant as long as you use a certified provider.

How long does training take for staff-managed systems?

Most staff can learn Loop Pay's tablet system in 10-15 minutes. It's as simple as using a credit card terminal: enter amount, confirm, done. We provide video tutorials and live training during onboarding.

What happens if a self-service kiosk breaks?

Loop Pay provides a staff tablet as backup. If your kiosk goes down, staff can process payouts via tablet while we arrange repairs or replacement. You're never fully offline.

Can I use both methods at the same location?

Yes! Many locations use a kiosk for most transactions and staff tablets for special cases (large payouts, players who need assistance, etc.). This gives you maximum flexibility.

Not Sure Which Is Right for You?

Talk to our team. We'll walk through your location specs, volume, budget, and player demographics to recommend the best fit. No pressure, just honest guidance.

Free consultation with Georgia-based experts
See live demos of both approaches
Get transparent pricing for your volume

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