hotel staff checking in guests atm locationBusinesses that install ATM machines generate passive income through ATM transaction fees. These income streams can be set by the business owner and be part of their overall surcharge income stream.

Bars, nightclubs, gas stations, convenient stores, salons, barbershops, laundromats, among other commercial business types make ideal settings for ATMs as they often offer cash discounts to reduce credit card processing fees, helping to boost revenues.


No matter whether you own or rent an ATM machine, the location is an integral factor. To maximize profits and reach customers quickly and effectively. Think convenience stores, gas stations, clubs, bars, hotels or cash-only establishments when choosing your ideal spot for placing ATMs.

Establish your ATM as a limited liability corporation (LLC). This form of business entity offers limited personal liability and pass-through taxation – meaning only taxes due on income produced from its operations need be paid.

ATMs can be invaluable tools for banks and credit unions alike, providing service in areas that their traditional branches don’t reach. A bank might use video functionality in kiosks that enable remote teller service even after branches close – this extends its hours of operation while increasing revenues both from customers as well as internal profit sources.


An ATM business makes money through surcharge fees charged to non-customers of its network and collected by it and distributed monthly to its owner, typically 15-30 transactions monthly.


ATMs not only generate service fees, but can also bring additional income through merchant commissions. This fee is often split between the ATM operator and merchant depending on who negotiates better, creating extra earnings for an owner of an ATM. This extra income can add up quickly!

Since ATM industry expansion continues apace, some communities have advocated for caps or bans on surcharges. Their motivation stems from concerns that surcharges are anticompetitive: they allow large banks with extensive proprietary ATM networks to outcompete smaller and mid-sized banks with few machines of their own.

Some opponents of ATM surcharges contend they are unnecessary as card issuers already pass along interchange fees to consumers. Furthermore, these fees disproportionately affect lower income consumers who lack access to banks with free or reduced priced ATMs.


People tend to use ATMs for convenience, but you can also encourage them to spend more in your store by providing cash options like ATMs. When they have cash on hand, they might feel more at ease purchasing that latte or pair of shoes they were eyeing earlier.

An ATM can help your business establish itself by showing customers that you prioritize customer convenience over a competitor who only seeks profit. Customers who feel valued by your brand will appreciate it more.