A point of sale exchange machine is able to exchange a number of different first types of credit or currency for any one of a number of different second types of credit or currency in conjunction with a mobile computing device having an internet connection. Furthermore, the point of sale exchange machine does not need to have an internet connection in order to function. Thus, the point of sale exchange machine can easily be positioned in a variety of different locations and can have a low operating cost due to its lack of an internet connection.