About ATM Money Machine

Facts

• Businesses with ATMs see an 8% or greater increase in overall sales
• Customers who withdraw cash at your ATM typically spend 20–25% more in-store
• The average ATM processes around 300 transactions per month, signaling strong repeat usage
• In bars and nightclubs, 70–80% of ATM withdrawals are spent on-site; in retail stores, 30–50% stays in-store
• 85% of convenience store ATM users make an in-store purchase, and more than half pay with the cash they just withdrew
• ATMs dispensing $10 bills increase sales by 14–18% due to more flexible withdrawals
• Frequent users visit ATMs 8–10 times per month; the typical ATM user averages 7.4 visits monthly
• 63% of bank account holders use an ATM at least once a month
• ATM usage is highest among adults aged 25–49, a prime spending demographic
• 54% of customers say they would shop at a store less often if its ATM were removed
• The U.S. ATM market is projected to grow from $8.1 billion in 2024 to $12.6 billion by 2033

Benefits

• ATMs drive higher in-store spending, with customers spending up to 25% more per visit
• Businesses gain a new revenue stream through surcharge revenue on every transaction
• Surcharge fees can generate thousands in passive monthly income, often paying off the ATM in less than six months
• More cash sales mean fewer credit card swipes, saving businesses thousands annually in processing fees
• ATMs help reduce bad debt—cash doesn’t bounce, eliminating chargebacks, disputes, or fraudulent card transactions
• Cash transactions improve cash flow since funds are available immediately—no bank holds or delays
• ATMs keep customers on-site; without one, they may leave to find cash elsewhere (and spend with competitors)
• Offering cash access creates repeat loyalty—customers return to the same ATM regularly
• ATMs bring in new foot traffic, with many customers entering a store solely to use the ATM and making additional purchases once inside
• ATMs enhance business efficiency by speeding up transactions and reducing reliance on card systems that may go down
• Providing ATM access supports customer privacy preferences by reducing reliance on card transactions that leave digital trails
• Cash access broadens your customer base, appealing to demographics and industries that still prefer cash-first payments
• By recycling withdrawn cash back into deposits, ATMs reduce the need for frequent bank trips

Why have an ATM?

Even with debit and credit cards, cash continues to play a vital role in everyday transactions. For businesses, the rising cost of accepting card payments makes cash an even more valuable option. Instead of paying processors a percentage of your sales, an ATM allows you to keep money in your business and generate new revenue at the same time.

When you purchase an ATM machine from ATM Money Machine, you set your own surcharge. Every time a customer uses your ATM, you collect the surcharge revenue. On average, an ATM processes around 300 transactions per month, and customers typically spend 35–40% of the cash they withdraw right inside your business. In fact, 85% of convenience store ATM users make a purchase after withdrawing cash, with more than half paying with that cash.

ATMs are also a powerful draw for new and repeat business. If someone passes your location, the presence of an ATM encourages them to step inside—and often make additional purchases. Studies show customers spend 20–25% more when they have immediate access to cash. Removing an ATM can hurt loyalty: more than half of customers say they would shop less often at a store if its ATM were removed.

An ATM also saves you money by reducing card transactions, which means fewer processing fees, chargebacks, and disputes. Unlike checks or credit cards, cash doesn’t bounce—every transaction is instant and final. With cash access on-site, you keep customers engaged without the risk of declined cards or fraud.

Managing an ATM requires very little time. It only takes about three minutes to stock an ATM with cash, and on average just 10 minutes of work per month keeps your ATM running smoothly. Many of our customers earn thousands of dollars each month from surcharge revenue alone—not including the boost in sales from additional in-store spending.

ATM Money Machine makes the process simple: you buy the machine, we handle the programming, processing, and support. We even provide signage options to draw attention to your ATM. Our 24/7 technical support team is always available to assist you.

How will I know if my ATM will do well?

The best way to estimate ATM performance is to look at your daily traffic. On average, 4–8% of people who walk by an ATM will use it. If your business sees 150 customers a day, that’s 6–12 daily transactions. At a $2.95 surcharge, that equals $530–$1,100 per month in surcharge revenue. Many of our customers see 300 or more transactions monthly, with some high-traffic locations exceeding 2,000 transactions per month.

Every transaction not only generates surcharge revenue but also puts cash into your customers’ hands, which often gets spent right back in your business. That’s why having an ATM is one of the simplest, most effective ways to increase revenue, reduce costs, and keep customers coming back.

Cash is still king—and with an ATM, your business is in control of it.

ATM Money Machine carries all the major retail ATM manufacturers, offering a full lineup of Genmega ATMs, Nautilus Hyosung ATMs, and Triton ATMs. Each retail ATM brand delivers reliable, secure, and user-friendly machines designed to fit the needs of businesses that want to buy an ATM machine and generate more revenue.

Genmega ATMs

Genmega ATMs combine affordability with modern features, making them one of the fastest-growing retail ATM brands. The Genmega G2500 ATM is one of the most widely used machines in the retail ATM market, offering customizable toppers, flexible dispenser options, and an easy-to-use interface. The Genmega Onyx ATM features a sleek design, large touchscreen, and LED lighting to attract customers. For tighter spaces, the Genmega Onyx W ATM offers the same performance in a wall-mount retail ATM design. Genmega also manufactures through-the-wall ATMs such as the Genmega GT3000 ATM and Genmega GT5000 ATM, both designed with high-capacity dispensers, bright displays, and secure rear-access servicing. Genmega ATMs are dependable, user-friendly, and built for business owners who want maximum return on investment.

Hyosung ATMs

Nautilus Hyosung ATMs are some of the most popular retail ATMs in the United States, recognized for sleek design, strong security, and advanced technology. The Hyosung Halo II ATM is a compact, modern retail ATM that fits almost any location. The Hyosung Force ATM delivers a larger screen and advanced dispenser options, while the Hyosung Force T ATM provides a reliable through-the-wall retail ATM configuration. The Hyosung MX5200SE ATM is a versatile freestanding machine designed for high transaction volumes. Every Hyosung retail ATM combines intuitive interfaces, advanced fraud protection, and long-term durability—making them a leading choice for businesses looking to buy ATMs that last.

Triton ATMs

Triton has been a trusted American-made ATM manufacturer since 1979, producing durable retail ATMs built in Long Beach, Mississippi. Known for reliability and low total cost of ownership, Triton ATMs are engineered for easy servicing and long-term performance. The Triton ARGO 12.0 ATM and Triton ARGO 15.0 ATM feature large, high-visibility screens with modern retail ATM designs, while the Triton ARGO FT ATM offers through-the-wall installation for businesses that want secure, space-saving ATM options. Triton’s modular design and sturdy build make these retail ATMs a dependable choice for business owners who value uptime and straightforward maintenance.

How does everything all work?

When you buy an ATM from ATM Money Machine, the process is simple. Most business owners choose our plug-and-play option, where the ATM arrives completely pre-programmed. All you do is plug it in, load cash, and you are up and running. If you prefer, we can also coordinate a technician installation at your location.

Your ATM connects through an internet or phone line, or with a secure wireless box. Once online, the ATM communicates directly with our nationwide processing server. You set your own surcharge fee—whether $2.75, $3.25, or higher—the amount is entirely up to you, and the surcharge revenue is deposited into your bank account each business day after standard network fees.

Stocking your ATM is just as straightforward. Most owners load between $1,500 and $4,000 in cash at a time, though retail ATMs can hold up to $20,000 depending on the model. Withdrawals are recycled daily back into your account, so your funds are constantly in motion.

To make management easy, we provide real-time monitoring tools. You’ll have a secure web portal and mobile app to track every transaction, plus text and email alerts when your ATM is low on cash. Owning an ATM is not only simple, it’s one of the fastest ways to add a profitable new revenue stream to your business.

Why owning your own ATM is best for business owners

If you already own a retail business, the smartest option is to own the ATM that sits inside your location. This way, you collect surcharge revenue from every transaction while also reducing your costs on card payments.

Here’s why business owners benefit the most from owning their own ATM:

• Earn surcharge revenue on every transaction, creating a steady stream of passive income
• Reduce costly credit card processing fees, which average 2–4% per swipe
• Increase in-store spending, with customers typically spending 20–25% more when they withdraw cash on-site
• Improve cash flow—funds are deposited daily, unlike card payments that can take days to settle
• Eliminate chargebacks and fraud, since cash transactions are immediate and final
• Boost customer loyalty—54% of customers say they would shop less often if the ATM were removed
• Recoup your investment quickly—many owners pay off their machine in as little as 6 months

When you buy an ATM for your business, you’re not just saving money—you’re creating a steady income stream that builds month after month.

How much will my ATM cost and which ATM should I choose?

New retail ATMs start at $2,300 and typically range up to $2,900 depending on features and capacity. At ATM Money Machine, we carry all major brands—Hyosung, Genmega, and Triton—with a full selection of models: freestanding retail ATMs, compact wall-mount units, and through-the-wall ATMs for high-security installations.

Every new ATM comes with a standard warranty, and we offer a lifetime warranty option covering parts and labor for as long as you own the machine. We also offer certified used ATMs at lower upfront costs, giving you options for every budget. Leasing is not available, but we provide flexible purchase programs to make ownership easy.

Our team will help you choose the right machine for your location based on traffic, usage, and the specific needs of your business.

Is free placement right for me?

Free ATM placements are reserved for very high-traffic locations that process at least 500 transactions per month. In this program, ATM Money Machine provides the machine, loads the cash, and handles all service. The business owner receives a share of the surcharge revenue.

Typical free placement locations include large nightclubs, casinos, malls, hotels, and event venues.

For most small and medium-sized businesses, however, owning your ATM is far more profitable. With today’s lower ATM costs, business owners can easily purchase their own machine, collect the surcharge revenue, and benefit from more cash spending inside their store.

What if I don’t own a business?

You don’t need to own a storefront to start an ATM business. Many independent operators place ATMs in other people’s businesses and collect the surcharge revenue. It’s a proven way to build recurring income, and it can be scaled at your own pace.

Whether you want one machine as a side business or you plan to build a network of ATMs, ATM Money Machine gives you the tools and support to get started.

Why start an ATM business?

The ATM business is one of the simplest and most profitable small businesses you can own. With just 10 ATMs, many operators earn six figures annually while spending less than an hour per month per machine.

Key reasons to consider starting your own ATM business:

• Low startup costs compared to other businesses
• No employees or storefront required
• ATMs can be managed on your schedule, as a side business or full-time operation
• Machines last 7–10 years or more, generating long-term recurring revenue
• Fast ROI, often in less than six months

With minimal time commitment and strong passive income potential, the ATM business is one of the easiest ways to grow wealth and diversify income.

Startup costs

You should budget around $4,000–$5,000 to launch your first ATM location. This includes:

• ATM purchase: $2,000–$3,000
• Initial cash load: $1,500–$4,000

There are no franchise fees, and once your ATM is paid off, every transaction is profit after network fees.

What types of locations do best?

Any business with steady foot traffic can succeed with an ATM, but some industries are especially strong performers:

• Convenience stores and gas stations, typically averaging 300+ transactions per month
• Bars and nightclubs, where 70–80% of ATM withdrawals are spent immediately on-site
• Cannabis dispensaries and smoke shops, which remain cash-first businesses
• Busy restaurants, malls, tourist attractions, and transportation hubs

ATM Money Machine does not provide location services, but we often share leads when businesses in your area request placements.

Warranty options

Every new ATM purchased through ATM Money Machine comes with a lifetime warranty option. This covers parts and labor for as long as you own the machine, providing unmatched protection and peace of mind. Our ATMs are built to last, and many customers continue running the same machines profitably for a decade or more.

How much money can you make owning an ATM machine?

The figure out how much money an ATM will generate you have to look at is how many people come into the business a day. The average usage a day is anywhere from 4-8% of people that walk by the ATM machine. Therefore, if you have over 150 people coming in your business a day, you could have between 6-12 uses a day on your ATM machine. If you set your surcharge on your ATM machine at $2.95, which is what most banks charge to use their ATM, you could be making between $530-1,100. A majority of our customer’s average at least 300 ATM uses a month. Some of our customers see well over 2,000 transactions a month on their ATM machine. It all depends on how busy the location is. The way to determine how many transactions your ATM machine will do is to take the amount of people walking into your business and multiplying that by .06. Most restaurants see at least 300 people a day, giving your ATM machine close to 20 uses a day. Keep in mind; you will also see a majority of the cash being withdrawn out of the ATM machine spent inside your business. So not only are you making a profit off of the surcharges on the ATM machine, but you’re also going to see more cash being spent inside your business. And as we said before, CASH IS KING!

What Kind of Machine Should You Buy?

We carry all the major manufacturers of ATMs. We sell Hyosung, Genmega, and Triton models. We carry stand alone machines, wall mount ATM machines, and through the wall ATMs. Each business is unique, and therefore the specific type of machine we suggest will depend on the business.

Can you rent an ATM for an event?

There are not rental options for ATM Machines.

How do I purchase an ATM machine?

To move forward with the purchase of an ATM machine, give us a call at 609-641-7300!