New ATMs start at $2,399 and go up from there depending on the brand, model, and configuration. Hyosung and Genmega both start at $2,399. Triton — which is American-made out of Long Beach, Mississippi — starts in the mid-$3,000s. Refurbished ATMs start at $1,550 and every one we sell is fully refurbished before it ships.

The right machine depends on your location, your space, and what matters most to you. A high-traffic retail environment has different needs than a small salon or a tight counter space. When you call us we’ll ask a few questions and tell you straight which model makes the most sense — no upsell, just what fits.

Owning an ATM generates income every time a customer makes a withdrawal. The surcharge is yours — and at the national average of $3.22 per transaction, 300 transactions a month puts nearly $1,000 in surcharge revenue in your pocket from a single machine. High-traffic locations do significantly more. We have customers processing over 2,000 transactions a month, which works out to over $6,400 a month from one ATM.

But the surcharge is just part of the picture. About 25% of cash withdrawn at a store ATM gets spent immediately in that same store. Cash customers also tend to spend more per visit than card customers. And every cash transaction saves the business 2-3% in credit card processing fees — no chargebacks, no disputes, no waiting days for funds to settle.

The income adds up fast when you have a good location. That’s what we’ve seen with our own customers year after year.

ATM machines make money through the surcharge fee charged on every withdrawal. When you own the ATM, that surcharge belongs to you. At the national average of $3.22 per transaction, 300 transactions a month generates nearly $1,000 in surcharge revenue from a single machine.

But the surcharge is just the start. Cash customers tend to spend more in the store immediately after withdrawing, which means your ATM is also driving additional sales. On top of that, every cash transaction saves you 2-3% in credit card processing fees — no batching out, no waiting 2-3 days for funds to settle, no chargebacks, no disputes. Cash is immediate and it’s final.

The surcharge is just the start.

Most of our customers have their machine paid off within six months — and many do it faster than that. How quickly depends on your location and foot traffic, but the numbers work fast when you’re in a busy spot.

New ATMs start at $2,399. At the national average surcharge of $3.22 and 300 transactions a month, that’s $966 a month in surcharge revenue. At that rate, the machine pays for itself in about 2-3 months. And that’s just the surcharge. Cash customers also tend to spend more in the store, which means the ATM is quietly driving additional sales on top of what it’s earning directly.

High-traffic locations do significantly better. We have customers processing over 2,000 transactions a month — that’s over $6,400 a month in surcharge income from a single machine. Even at 500 or 600 transactions a month, you’re looking at a machine that paid for itself in the first month and is pure profit after that.

The location is the biggest factor. Any busy location with consistent customer foot traffic can generate serious returns month after month. That’s not a projection — that’s what we see with our own customers.

The requirements are minimal. You need a location with customer foot traffic, a standard electrical outlet, and a way to connect — either an existing internet line, a phone line, or a wireless box that creates a dedicated signal for the ATM.

Every ATM owner also needs a merchant ID, which is required to process transactions. We handle that setup for you as part of the onboarding process. Every machine ships fully pre-programmed for your location. Once it arrives, you plug it in, connect it, load your cash, and you’re open for business. Most installations take less than 30 minutes.

Most locations load between $1,500 and $4,000 at a time. A slower location can get by on the lower end and reload less frequently. A busy bar, convenience store, or entertainment venue will go through cash faster and may need to load more often or start with a higher amount.

We generally recommend a minimum of $2,000 to start. That gives most locations enough to run for several days without running out. You can dial that number up or down once you see how your machine actually performs — our online reporting shows you every transaction in real time so you always know exactly where your cash level stands.

When you own the ATM, you handle the cash loading and keep the surcharge revenue. Most business owners load between $1,500 and $4,000 at a time depending on how busy the machine is. A lot of our customers use cash that’s already coming through the register to stock the ATM, which keeps money cycling through the business without extra bank trips.

Day-to-day maintenance is minimal. Loading cash takes about 3 minutes. Receipt paper needs to be swapped out every few months depending on transaction volume. That’s really it. Every machine we sell ships fully pre-programmed, so there’s no complicated setup — you plug it in, connect it, and you’re running.

ATM Money Machine is transparent about costs before the customer buys the machine. There are no surprise hidden fees added after the fact. Any applicable costs connected to the ATM program, processing, wireless option, equipment choice, or service option are explained up front so the customer knows what to expect before moving forward.

ATM Money Machine also provides 24/7 online reporting, so ATM owners can view transaction activity and see what is happening with their machine. That transparency matters. Customers should know what their ATM is doing, what revenue it is producing, and what costs apply.

New ATM machines are built with security in mind. They include secure safes, encrypted PIN pads, EMV card readers, locking cabinets, and compliance features designed to protect cardholder information and the cash inside the machine. Many models also offer upgraded lock options for additional protection.

ATMs can also be bolted to the floor for added security. Proper placement matters too. The best location is a visible, well-lit area where customers can access the machine easily and the business can monitor the area. ATM Money Machine helps customers choose secure ATM options that fit their business and location.

The right ATM depends on your location, your space, and what matters most to you. Those are the first things we ask when someone calls.

For most retail environments — bars, convenience stores, restaurants, entertainment venues — the Hyosung Halo II is our most popular recommendation. It’s reliable, easy to load, and handles high transaction volume without issues. The Hyosung Force is a step up if you need a higher-capacity machine.

If buying American-made matters to you, we recommend Triton. Their machines are built in Long Beach, Mississippi and have been in the field for decades.

If your space is tight or you need something that mounts to a wall or sits on a counter, Genmega is the brand to look at. The G2500 is one of the best value machines we carry, and Genmega is the only brand that offers wall-mount and counter-mount options.

We’ve been selling all three brands for years and know them well. Call us and we’ll tell you straight which one makes sense for your location.