A bakery or coffee shop should have an ATM because it gives customers easy access to cash while helping the business make and save money at the same time. When you own the ATM, you earn surcharge profit from every withdrawal. At the same time, more cash payments can help reduce the number of credit card swipes, which matters in a business that runs a high volume of smaller transactions all day long.
For bakeries and coffee shops, an ATM can support coffee sales, pastry purchases, breakfast sandwiches, desserts, grab-and-go items, and cash tips. It also keeps customers from leaving the store to look for cash somewhere else. Instead of paying card fees on every small order and even on tipped transactions, an ATM gives customers another way to pay while creating an additional revenue stream for the business.

Yes. For bakeries and coffee shops, reducing credit card processing fees is one of the biggest reasons to own an ATM. Credit card fees can run as high as 2–4% per transaction, plus monthly fees, compliance fees, and per-transaction costs depending on the processor. When a business is ringing up coffee, pastries, breakfast sandwiches, desserts, bottled drinks, and tips all day long, those fees can add up to hundreds or even thousands of dollars every month.
Tips are another major issue. When customers tip on a credit card, the business still pays processing fees on that tipped amount. That means the owner can lose money on money that was intended for the employee. An on-site ATM gives customers an easy way to pull out cash for their order and for tips, helping the business reduce card swipes, lower processing costs, avoid fees on tips, and keep more of each sale.

A coffee shop ATM can generate money in two ways: surcharge income and reduced card processing costs. Every time a customer withdraws cash, the ATM owner earns surcharge revenue. If the ATM is used regularly, those fees can turn into a steady additional income stream for the business.
The exact amount depends on foot traffic, location, visibility, surcharge amount, and customer demand for cash. Industry data shows that ATMs are commonly used hundreds of times per month in high-traffic retail settings, and the average ATM withdrawal is around $60. Even if only a portion of that cash is spent inside the coffee shop, it can support more cash sales, more tips, and fewer card transactions.

Yes. Cash access can directly influence customer spending, especially in places like bakeries and coffee shops where impulse purchases are common. Industry data shows that ATM users can spend 20–25% more than non-ATM users, and in-store ATMs are often tied to additional purchases because customers have cash in hand while they are already inside the business.
For a bakery or coffee shop, that extra spending can look like adding a muffin, cookie, sandwich, second drink, dessert, bottled beverage, or extra item at the counter. It can also mean leaving a cash tip instead of adding a tip to a credit card transaction. The ATM helps keep that spending inside the business instead of sending the customer somewhere else to find cash.

An ATM can help increase average order value because it gives customers immediate access to cash for add-on purchases. Coffee shops and bakeries make a lot of money from small upgrades and impulse items: pastries, breakfast sandwiches, desserts, specialty drinks, extra shots, bottled drinks, snacks, and grab-and-go items.
Cash also makes tipping easier. Instead of putting a tip on a card and creating another processing-fee issue for the business, customers can use cash from the ATM to tip directly. Over time, those extra purchases and cash tips can add up, especially in a busy café or bakery with steady daily traffic.

Yes. If a customer needs cash and there is no ATM available, they may leave to find one somewhere else. Once they leave, there is always a chance they do not come back or they spend their money at another business.
An ATM helps keep the customer, the purchase, and the cash inside your bakery or coffee shop. It turns the business into a more convenient one-stop stop, especially for customers who prefer cash, want to tip in cash, or need money for another stop nearby. The longer customers stay engaged inside the business, the more opportunity there is for additional purchases.

Yes. A visible ATM can bring people into a coffee shop who may not have planned to stop in otherwise. In one in-store ATM survey, 70% of respondents said they visited the store primarily to use the ATM. That matters because once someone is already inside, there is a real chance they will buy something.
The same survey found that 33% of ATM users made a purchase while they were in the store, and about 52% of those purchases were paid for using cash they had just withdrawn from the in-store ATM. For a coffee shop or bakery, that can mean someone comes in for the ATM and leaves with coffee, a pastry, breakfast sandwich, dessert, or drink. The ATM does more than create surcharge revenue — it can bring people through the door and turn cash-access visits into actual sales.

For most bakery and coffee shop owners, buying an ATM is the better long-term option because you own the machine, control the surcharge, and keep the surcharge revenue from each transaction. When you own the ATM, the income belongs to you, and you have more control over how the machine is managed.
With free ATM placement, the ATM is owned by another provider. That usually means the business only receives a small portion of the surcharge income and has limited control over cash loading, downtime, service response, and how quickly the machine is brought back online if there is an issue. For a coffee shop or bakery that wants to earn surcharge income, reduce credit card fees, support cash tips, and keep more control, owning the ATM is usually the stronger option.

To install an ATM in a bakery or café, you need a safe indoor location, a standard power outlet, and a way for the ATM to communicate, such as internet, phone line, or wireless service. You will also need cash to load into the machine.
ATM Money Machine ships ATMs pre-programmed and ready for the customer’s location, so setup is simple once the machine arrives. A good location is usually near the entrance, register, pickup area, or another visible spot where customers can easily see and access the machine. Better visibility usually creates better usage.

No. Owning an ATM is easier than many business owners expect. Once the machine is installed and loaded, day-to-day management is usually simple. The main responsibility is keeping the ATM stocked with cash and checking it during normal store routines. Receipt paper typically only needs to be replaced every few months, depending on usage. For a bakery or coffee shop, the real benefit is that the ATM can earn surcharge income, encourage cash payments, reduce credit card processing fees, support cash tips, help keep more customer spending inside the business, and give customers a convenient reason to keep coming back.