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• By recycling withdrawn cash back into deposits, ATMs reduce the need for frequent bank trips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?

Having an ATM gives your customers convenient access to cash and gives your business an additional revenue stream. When you own an ATM, you earn surcharge revenue every time a customer makes a withdrawal. You also keep customers on-site instead of sending them down the street to find cash — and in most cases, that cash gets spent right back in your business.

ATMs tend to work really well in convenience stores, restaurants, bars, nightclubs, salons, entertainment venues, hotels, and busy retail locations. The more foot traffic you have, the more your ATM gets used.

Here’s what owning one does for you:

• Surcharge revenue — Every transaction puts money in your pocket.
• Customer convenience — They get cash without leaving your location.
• More in-store spending — People who pull cash out tend to spend some of it before they walk out the door.
• Fewer card fees — More cash transactions means fewer credit card processing fees.
• No chargebacks — Cash is immediate. No declines, no disputes, no delays.
• Repeat visits — Customers come back to ATM locations they know and trust.
• Better retention — If they need cash, they’re not leaving to get it somewhere else.

ATM Money Machine handles everything from helping you pick the right machine to programming it before it ships, setting up processing, and supporting you after the sale. You’ll also have access to online monitoring, mobile tools, and cash-level alerts so managing your machine doesn’t become another job.

How Will I Know If My ATM Will Do Well?

ATM performance is usually driven by foot traffic, visibility, and how easy it is for customers to access and use the machine. Businesses with steady daily traffic are often good candidates because an ATM gives customers convenient cash access without ever leaving the business.

ATM placement also matters. An ATM should be easy to see, easy to reach, and located where customers naturally pass by. A visible machine near the entrance, checkout area, lobby, or other high-traffic area usually has a better chance of being used than one tucked away in a back corner.

ATM Money Machine helps business owners think through these details before buying. We look at your business type, traffic, available space, connectivity, and operating goals so you can choose an ATM setup that makes sense for your location.

Adding an ATM is not just about the machine. It is about choosing the right location, setting the right surcharge, keeping the machine stocked, monitoring performance, and having an experienced ATM provider to call when you need help.

ATM Money Machine carries all three major retail ATM brands — Genmega, Nautilus Hyosung, and Triton. We’ve sold and supported all of them for years, so if you have questions about which one is right for your location, we can give you a straight answer based on actual experience.

Genmega ATMs

Genmega has grown into one of the most popular retail ATM brands on the market, and for good reason. They’re competitively priced, reliable, and easy to work with. The Genmega G2500 is their most widely used model — it’s the one we sell most often because it hits a sweet spot of price, features, and durability. If you want something with more visual impact, the Genmega Onyx has a large touchscreen and LED lighting that stands out on a floor. Need a wall-mount? Genmega is actually the only retail ATM manufacturer that makes both countertop and wall-mount units, and the Genmega Onyx W fits that need well. For through-the-wall installs, the Genmega GT3000 and Genmega GT5000 are built for higher capacity and rear-access servicing.

Nautilus Hyosung ATMs

Hyosung is one of the most recognized names in retail ATMs in the U.S., and the machines hold up well over time. The Nautilus Hyosung Halo II is their entry-level model and one of the cleanest-looking compact ATMs on the market — it fits practically anywhere. The Nautilus Hyosung Force steps up with a bigger screen and more dispenser flexibility, and the Nautilus Hyosung Force T brings that same setup into a through-the-wall configuration. For higher-volume locations, the Nautilus Hyosung MX5200SE is a freestanding unit built to handle a heavier transaction load. Hyosung machines are known for strong fraud protection and intuitive screens that customers figure out quickly.

Triton ATMs

Triton has been manufacturing ATMs since 1979 and entered the retail ATM market in 1994. They make their ATMs machines in Long Beach, Mississippi, which matters if American-made equipment is important to you. Triton’s reputation is built on durability and low maintenance — these machines are designed to be serviced easily and run for a long time without issues. The ARGO 12.0 and ARGO 15.0 are their main retail floor models, both with large high-visibility screens. The ARGO FT handles through-the-wall installs for businesses that want a more permanent, space-saving setup. If buying American-made equipment is important to you, Triton is the only retail ATM manufacturer still building machines in the U.S.

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!