Hitachi Payment Services, a subsidiary of Japan-based Hitachi, has launched UPI-ATM as a White Label ATM (WLA), operated by non-banking entities, with the National Payments Corporation of India (NPCI). Touted as Hitachi Money Spot UPI ATM, it allows customers to withdraw cash without using a debit or credit card. A UPI-ATM allows you to withdraw cash from your bank accounts using the United Payments Interface (UPI) applications.