Depositing cash on the ATM is a totally a different story for another day. Zimswitch currently has ATM/POS intergration with most Banks and they should use that same intergration layer to develop vPayments, the same way they are modelling ZIPit along the ATM/POS grid.
I have been in the Banking ICT sector for the last 8 years and I know what I am talking about. Right now I am writing an API to enable ZIPIT on our core banking system.