I tried to use the Scotiabank ATM at the ZLO airport on Sunday but it did not dispense any cash or receipt and said the transaction was cancelled. I still received an email from Intercam saying I made a withdrawal. After a reasonably short call with Intercam and one back and forth via email to submit a written claim, they reimbursed me 100% within a couple hours (their email said up to 45 days).
So a happy ending but I will no longer say “yes” to completing a transaction when receipts aren’t available.
And an endorsement of Intercam, it was a pain to get the account set up, but have been happy with their service over the last couple seasons.